1 00:00:06,040 --> 00:00:09,039 Speaker 1: Hey, Hey, vafam, it's Mandy here and I cannot wait 2 00:00:09,080 --> 00:00:12,240 Speaker 1: to introduce you to this week's guest. If y'all don't 3 00:00:12,240 --> 00:00:15,080 Speaker 1: know about my new friends, Julian and Kirsten Saunders, let 4 00:00:15,080 --> 00:00:16,880 Speaker 1: me tell you a little bit about them. They are 5 00:00:17,120 --> 00:00:20,200 Speaker 1: the Atlanta based yes my hometown, I love it, Atlanta 6 00:00:20,239 --> 00:00:23,759 Speaker 1: based co creators of the popular lifestyle blog and brand 7 00:00:24,000 --> 00:00:28,040 Speaker 1: Rich and Regular. They come with so much experience, y'all. 8 00:00:28,040 --> 00:00:30,680 Speaker 1: They paid off two hundred thousand dollars of debt in 9 00:00:30,800 --> 00:00:33,760 Speaker 1: just five years, and after they did that, they actually 10 00:00:33,800 --> 00:00:36,960 Speaker 1: walked away from their careers in the hospitality and marketing 11 00:00:37,159 --> 00:00:41,519 Speaker 1: marketing industries and quit before the age of forty. Since then, 12 00:00:41,600 --> 00:00:44,760 Speaker 1: they launched their popular web series called Money on the Table, 13 00:00:44,760 --> 00:00:47,680 Speaker 1: which use guys can check out at Richregular dot com, 14 00:00:47,920 --> 00:00:51,800 Speaker 1: and they also host their our podcast, Brother and Sister. 15 00:00:51,840 --> 00:00:54,080 Speaker 1: They host the Rich and Regular podcast, which you can 16 00:00:54,520 --> 00:00:56,640 Speaker 1: check out right after you listen to this one. Okay, 17 00:00:56,760 --> 00:01:00,760 Speaker 1: that's your assignment. Go check out Rich and Regular and Kirsten, 18 00:01:00,840 --> 00:01:03,240 Speaker 1: thank you so much for joining Brown Ambition. 19 00:01:03,760 --> 00:01:06,160 Speaker 2: You so much here. 20 00:01:06,400 --> 00:01:09,680 Speaker 1: Yes, I'm excited, so y'all wrote an entire The reason 21 00:01:09,680 --> 00:01:12,120 Speaker 1: we're talking today, I mean There's been so many reasons 22 00:01:12,160 --> 00:01:14,120 Speaker 1: to have y'all on, but this is a very special 23 00:01:14,160 --> 00:01:19,720 Speaker 1: episode because y'all are launching your first book, right Yes, yes, yes, 24 00:01:19,760 --> 00:01:23,160 Speaker 1: they call cashing out. Call it yet the book Baby, 25 00:01:23,240 --> 00:01:26,560 Speaker 1: we called cashing out Win the Wealth Game by walking Away. 26 00:01:26,680 --> 00:01:28,600 Speaker 1: When I saw this title, I was like, yes, yes, 27 00:01:29,240 --> 00:01:31,319 Speaker 1: like this is my time, this is my favorite. Let's 28 00:01:31,319 --> 00:01:34,399 Speaker 1: talk about quidding. Yeah, yes, And I was just saying, like, 29 00:01:34,480 --> 00:01:36,520 Speaker 1: as a couple, as a married couple, you guys also 30 00:01:36,560 --> 00:01:39,320 Speaker 1: share a son named Bo. What a beautiful, cute little name. 31 00:01:40,360 --> 00:01:42,360 Speaker 1: I'm just amazed because my husband and I feel like 32 00:01:42,360 --> 00:01:44,880 Speaker 1: we cannot do the dishes together, we can't clean the 33 00:01:44,880 --> 00:01:48,400 Speaker 1: house together without getting into some kind of philosophical debate 34 00:01:48,560 --> 00:01:50,480 Speaker 1: about how to do it. And y'all wrote an entire 35 00:01:50,680 --> 00:01:55,000 Speaker 1: book together. What was that like? As husband and wife? 36 00:01:54,280 --> 00:01:56,840 Speaker 3: It was challenging. It was a slow start. 37 00:01:57,200 --> 00:02:01,040 Speaker 4: Originally, we tried to write it together, like every chapter, 38 00:02:01,200 --> 00:02:03,800 Speaker 4: kind of sitting together and writing, and that process took 39 00:02:04,240 --> 00:02:05,960 Speaker 4: entirely too long, and then we. 40 00:02:05,920 --> 00:02:07,880 Speaker 3: Broke it up. Like you write a chapter, I write 41 00:02:07,920 --> 00:02:08,359 Speaker 3: a chapter. 42 00:02:08,440 --> 00:02:10,799 Speaker 4: But we have very different voices and we have very 43 00:02:10,840 --> 00:02:13,720 Speaker 4: different perspectives, and so a lot of the work was 44 00:02:13,760 --> 00:02:17,079 Speaker 4: trying to find the shared voice and then figure out 45 00:02:17,440 --> 00:02:19,400 Speaker 4: kind of how to get all the chapters done. 46 00:02:19,840 --> 00:02:21,480 Speaker 3: But all in all, it was a good experience. 47 00:02:21,520 --> 00:02:23,840 Speaker 4: It was just there's not a lot of co authors 48 00:02:23,880 --> 00:02:25,760 Speaker 4: out there, so it was just a bunch of trial 49 00:02:25,800 --> 00:02:27,519 Speaker 4: and error in us trying to figure out. 50 00:02:27,639 --> 00:02:28,520 Speaker 3: What works for us. 51 00:02:29,520 --> 00:02:33,120 Speaker 1: Well, there's co authors then, but it's not. I can't 52 00:02:33,120 --> 00:02:35,280 Speaker 1: think of a married couple that i've interview who's written 53 00:02:35,280 --> 00:02:37,560 Speaker 1: a book together. That's such a different dynamic. It's one 54 00:02:37,600 --> 00:02:40,280 Speaker 1: thing when you've hired a ghost writer or someone to 55 00:02:40,360 --> 00:02:42,239 Speaker 1: kind of download your thoughts and then they're going to 56 00:02:42,320 --> 00:02:44,000 Speaker 1: kind of put it in your voice and whatnot. But 57 00:02:44,600 --> 00:02:46,880 Speaker 1: I mean, congrats, So what made you, guys for your 58 00:02:46,919 --> 00:02:49,480 Speaker 1: first book want to write this book in particular? 59 00:02:50,320 --> 00:02:53,560 Speaker 2: You know, there are so many reasons why. I'll just 60 00:02:53,600 --> 00:02:56,160 Speaker 2: give you one of the more recent ones. And this 61 00:02:56,280 --> 00:02:57,960 Speaker 2: is not that recent, but it was like a couple 62 00:02:58,720 --> 00:03:02,840 Speaker 2: months ago. I remember sitting in the doctor's office taking 63 00:03:02,840 --> 00:03:05,840 Speaker 2: my mom to the doctor, and I remember waiting in 64 00:03:05,880 --> 00:03:07,880 Speaker 2: the waiting room and there was an older gentleman, a 65 00:03:07,880 --> 00:03:10,320 Speaker 2: black man. He might've been around sixty five years old, 66 00:03:11,000 --> 00:03:12,800 Speaker 2: and we were in the thick of writing the book 67 00:03:12,960 --> 00:03:14,680 Speaker 2: at that process, but I had already kind of thought 68 00:03:14,720 --> 00:03:17,440 Speaker 2: about it, and he was sitting there reading Rich Dad, 69 00:03:17,440 --> 00:03:20,680 Speaker 2: Poor Dad, and I was reminded because I hadn't thought 70 00:03:20,680 --> 00:03:22,280 Speaker 2: about the book in a really long time, but I 71 00:03:22,320 --> 00:03:24,920 Speaker 2: was reminded that that book was still relevant and that 72 00:03:25,000 --> 00:03:27,600 Speaker 2: it was a cultural reference point for a lot of people, 73 00:03:27,639 --> 00:03:29,560 Speaker 2: Like when they think money books is like literally one 74 00:03:29,600 --> 00:03:31,800 Speaker 2: of the first ones that they think about. And I 75 00:03:31,840 --> 00:03:33,720 Speaker 2: was just thinking about that. I was thinking about the 76 00:03:33,760 --> 00:03:36,280 Speaker 2: moment that we are in, not just in terms of 77 00:03:36,320 --> 00:03:39,280 Speaker 2: the Great Recession, but also you know what's been coined 78 00:03:39,280 --> 00:03:41,360 Speaker 2: as a social reckoning or just this great a sense 79 00:03:41,400 --> 00:03:44,760 Speaker 2: of awareness in terms of representation, and I felt like 80 00:03:44,800 --> 00:03:47,800 Speaker 2: we deserved something like that. I felt like I could 81 00:03:47,840 --> 00:03:49,839 Speaker 2: have used something like that leading up to the early 82 00:03:49,880 --> 00:03:52,560 Speaker 2: stages of our corporate career. I think Churrisen feels the 83 00:03:52,560 --> 00:03:55,840 Speaker 2: same way. And so we know the power of telling 84 00:03:55,920 --> 00:03:59,280 Speaker 2: our stories and people seeing themselves and hearing it in 85 00:03:59,360 --> 00:04:01,160 Speaker 2: our own voice, and we just knew that that was 86 00:04:01,200 --> 00:04:04,440 Speaker 2: something that when we enjoyed doing and we're really passionate about, 87 00:04:04,480 --> 00:04:07,720 Speaker 2: and so we were willing to undertake this process and 88 00:04:07,760 --> 00:04:09,200 Speaker 2: we're grateful that we were able to do it. 89 00:04:10,600 --> 00:04:13,720 Speaker 1: Yeah, so together y'all paid off two hundred thousand dollars 90 00:04:13,720 --> 00:04:16,920 Speaker 1: of debt. And you did that prior to leaving your jobs, right, 91 00:04:16,960 --> 00:04:20,720 Speaker 1: so clearly working like having a nine to five was instrumental. 92 00:04:20,760 --> 00:04:23,720 Speaker 1: And you guys building you know, your wealth and able 93 00:04:23,760 --> 00:04:26,440 Speaker 1: to pay off that debt. What was your strategy there? 94 00:04:26,640 --> 00:04:29,000 Speaker 1: Was it just you know, every extra dollar we are 95 00:04:29,040 --> 00:04:31,279 Speaker 1: going to be putting toward this debt. And like what 96 00:04:31,400 --> 00:04:33,600 Speaker 1: kinds of debt were they as a couple that y'all 97 00:04:33,600 --> 00:04:34,200 Speaker 1: were tackling. 98 00:04:34,520 --> 00:04:35,640 Speaker 3: Yeah, it was a combination. 99 00:04:35,839 --> 00:04:38,360 Speaker 4: The lion's share of the two hundred thousand was our mortgage, 100 00:04:38,400 --> 00:04:42,200 Speaker 4: but it was also car notes, student loan, tax debt, 101 00:04:42,320 --> 00:04:43,360 Speaker 4: credit card. 102 00:04:43,839 --> 00:04:46,920 Speaker 3: Pretty much, any kind of debt was yeah, I might 103 00:04:46,920 --> 00:04:47,640 Speaker 3: be forgetting that. 104 00:04:47,760 --> 00:04:48,920 Speaker 2: Yeah you said that tax debt. 105 00:04:49,040 --> 00:04:51,960 Speaker 1: Yeah, so you include so you paid off your whole house? 106 00:04:52,120 --> 00:04:55,280 Speaker 2: Yeah, we did, which sounds crazy given be. 107 00:04:55,240 --> 00:04:58,360 Speaker 4: Done in georgiown right, we had a ten thousand and 108 00:04:58,360 --> 00:04:59,200 Speaker 4: eight priced house. 109 00:04:59,400 --> 00:05:03,200 Speaker 1: Yeah, oh okay, it would get the discount post housing 110 00:05:03,240 --> 00:05:08,160 Speaker 1: market crash, I hope, yeah right, yeah, okay, but I 111 00:05:08,240 --> 00:05:09,640 Speaker 1: start a bunch of different types. 112 00:05:09,480 --> 00:05:12,119 Speaker 4: Paying off our debt as giving ourselves a raise. 113 00:05:12,279 --> 00:05:13,160 Speaker 3: We had two choices. 114 00:05:13,160 --> 00:05:15,000 Speaker 4: You could either kind of go hard at work and 115 00:05:15,080 --> 00:05:17,119 Speaker 4: try to make more money and get all the extra 116 00:05:17,160 --> 00:05:20,800 Speaker 4: responsibility that comes with that, which we did, but we 117 00:05:20,880 --> 00:05:25,360 Speaker 4: also spent just as much energy time strategic thinking and 118 00:05:26,120 --> 00:05:29,120 Speaker 4: conversation around the idea that if we paid off our debt, 119 00:05:29,120 --> 00:05:30,680 Speaker 4: if we could just get rid of a couple of 120 00:05:30,720 --> 00:05:34,040 Speaker 4: these expenses, you're talking about a couple extra thousand dollars 121 00:05:34,080 --> 00:05:36,560 Speaker 4: every single month, And in order to make that leap 122 00:05:36,880 --> 00:05:39,000 Speaker 4: in the job market, you would have either had to 123 00:05:39,080 --> 00:05:41,400 Speaker 4: pivot out of your career choice, out of our career 124 00:05:41,480 --> 00:05:44,680 Speaker 4: choice and into another company, or take on an extraordinary 125 00:05:44,720 --> 00:05:47,880 Speaker 4: amount of responsibility. And so we looked at paying off 126 00:05:47,880 --> 00:05:51,520 Speaker 4: debt as a lifestyle choice for us, and that's how 127 00:05:51,560 --> 00:05:53,280 Speaker 4: we tackled it. As soon as the money would come 128 00:05:53,279 --> 00:05:56,320 Speaker 4: in through our every bi weeekly paychecks, we would shave 129 00:05:56,360 --> 00:05:58,320 Speaker 4: off the top and we did a little bit of 130 00:05:58,360 --> 00:06:01,640 Speaker 4: everything in terms of methodology. Did the envelope system, we 131 00:06:01,680 --> 00:06:04,280 Speaker 4: did the avalanche method, we did the snowball method, we 132 00:06:04,320 --> 00:06:08,040 Speaker 4: did zero based budgeting, and we tried everything, and they 133 00:06:08,120 --> 00:06:09,960 Speaker 4: worked in different periods of our lives, and we just 134 00:06:10,040 --> 00:06:12,839 Speaker 4: kept trying until eventually it was it was gone. 135 00:06:13,839 --> 00:06:15,760 Speaker 1: And you were raising because your son is about as 136 00:06:15,839 --> 00:06:18,000 Speaker 1: old as it took you to pay off that debt. 137 00:06:18,520 --> 00:06:20,599 Speaker 3: Well, he was born. 138 00:06:20,760 --> 00:06:23,200 Speaker 4: He was born in the last quarter, so he was 139 00:06:23,839 --> 00:06:26,200 Speaker 4: born in twenty seventeen, and then we finished paying off 140 00:06:26,279 --> 00:06:28,640 Speaker 4: the debt the same in. 141 00:06:28,480 --> 00:06:29,239 Speaker 3: The year after. 142 00:06:29,480 --> 00:06:29,760 Speaker 2: Yeah. 143 00:06:29,839 --> 00:06:33,680 Speaker 1: Yeah, so when you were so, were you guys making 144 00:06:33,720 --> 00:06:36,520 Speaker 1: big career moves to increase your income to help you 145 00:06:36,520 --> 00:06:38,560 Speaker 1: paid on that debt? Was that one of the strategies 146 00:06:38,560 --> 00:06:40,320 Speaker 1: that you used for. 147 00:06:40,520 --> 00:06:43,919 Speaker 2: More sopha Kissen And it was interesting because we tackled 148 00:06:43,920 --> 00:06:46,280 Speaker 2: that as a team as well, and so as we 149 00:06:46,279 --> 00:06:48,919 Speaker 2: were looking at upward mobility, we both had a shot. 150 00:06:49,000 --> 00:06:51,080 Speaker 2: But she had a much better shot at getting that 151 00:06:51,160 --> 00:06:54,960 Speaker 2: big raise. I was much more interested in learning and 152 00:06:55,000 --> 00:06:57,919 Speaker 2: developing skills that I knew I could use outside of 153 00:06:57,920 --> 00:07:00,680 Speaker 2: the workforce. And so while we were tagged teaming debt, 154 00:07:00,720 --> 00:07:02,360 Speaker 2: even after we paid off the debt, it was like, 155 00:07:02,400 --> 00:07:05,360 Speaker 2: all right, how do we still continue to squeeze as 156 00:07:05,440 --> 00:07:07,599 Speaker 2: much juice as we can out of this job, but 157 00:07:07,760 --> 00:07:10,200 Speaker 2: also recognize that there's an endpoint and we need to 158 00:07:10,200 --> 00:07:12,360 Speaker 2: make sure that we're setting ourselves up to pivot out 159 00:07:12,360 --> 00:07:15,560 Speaker 2: of that successfully. And so at that point. With respect 160 00:07:15,560 --> 00:07:18,440 Speaker 2: to my job, I was handling it, but I wasn't 161 00:07:18,440 --> 00:07:20,840 Speaker 2: going as hard as I was in prior years. I 162 00:07:20,840 --> 00:07:24,440 Speaker 2: wasn't necessarily gunning for a promotion, which felt really good 163 00:07:24,480 --> 00:07:26,920 Speaker 2: because at that point we'd already you know, paid off 164 00:07:26,960 --> 00:07:29,120 Speaker 2: our debt, and when you start thinking about, like, what's 165 00:07:29,120 --> 00:07:30,920 Speaker 2: the real value in getting a job, it kind of 166 00:07:30,920 --> 00:07:33,840 Speaker 2: felt like that added responsibility was going to take away 167 00:07:34,240 --> 00:07:35,880 Speaker 2: from my at home life, It was going to take 168 00:07:35,880 --> 00:07:38,680 Speaker 2: away from my ability to build something outside of that 169 00:07:38,760 --> 00:07:40,360 Speaker 2: nine to five. And so at that point I was 170 00:07:40,440 --> 00:07:44,240 Speaker 2: much more interested in our real estate portfolio in this new, 171 00:07:44,720 --> 00:07:48,560 Speaker 2: greater world of content creation, which for us was very 172 00:07:48,600 --> 00:07:49,400 Speaker 2: new at the time. 173 00:07:50,440 --> 00:07:52,280 Speaker 1: Yeah. So, Kirsten, what did that look like for you? 174 00:07:52,320 --> 00:07:54,440 Speaker 1: Going for promotion or did you quit for a new 175 00:07:54,480 --> 00:07:56,040 Speaker 1: opportunity that paid you a lot more? 176 00:07:56,160 --> 00:07:59,600 Speaker 3: It was going for promotions. I did quit right before 177 00:07:59,640 --> 00:08:01,160 Speaker 3: I went from Eternity. 178 00:08:00,800 --> 00:08:04,320 Speaker 4: Leave, but I ultimately did not because they gave me 179 00:08:04,480 --> 00:08:05,640 Speaker 4: a raise to keep me. 180 00:08:06,400 --> 00:08:08,000 Speaker 3: But yeah, it was a series of promotions. 181 00:08:08,000 --> 00:08:11,920 Speaker 4: I had found a section of the company that had 182 00:08:12,080 --> 00:08:16,320 Speaker 4: very specific skill sets and required a lot of institutional 183 00:08:16,360 --> 00:08:19,680 Speaker 4: and experiential knowledge, and so I just kind of dedicated 184 00:08:19,720 --> 00:08:22,920 Speaker 4: myself to an area of the business and gradually moved 185 00:08:23,000 --> 00:08:24,480 Speaker 4: up the more that it grew. 186 00:08:24,880 --> 00:08:25,560 Speaker 3: But it was good. 187 00:08:25,640 --> 00:08:27,960 Speaker 4: It was good until it wasn't, which is typically how 188 00:08:27,960 --> 00:08:30,800 Speaker 4: these things go. I was promoted quite a bit and 189 00:08:30,840 --> 00:08:34,000 Speaker 4: then a reorg hit, which is pretty common in corporate America. 190 00:08:34,040 --> 00:08:36,160 Speaker 4: We talk about this in the book, that the average 191 00:08:36,200 --> 00:08:38,920 Speaker 4: tenure of a CEO these days is about five years. 192 00:08:39,480 --> 00:08:41,120 Speaker 4: And so when you think about, and I'm sure some 193 00:08:41,160 --> 00:08:45,320 Speaker 4: of the listeners have experienced this, how disruptive reorganizations can be, 194 00:08:45,440 --> 00:08:47,640 Speaker 4: especially if you're in a place where you like your boss, 195 00:08:47,720 --> 00:08:50,560 Speaker 4: you like your team, you like your workload, and then 196 00:08:50,600 --> 00:08:52,440 Speaker 4: all of a sudden, everything changes. 197 00:08:52,520 --> 00:08:53,560 Speaker 3: And that's what happened with me. 198 00:08:54,040 --> 00:08:55,760 Speaker 4: I liked where I was, and then all of a 199 00:08:55,800 --> 00:08:59,040 Speaker 4: sudden we got shifted and the priorities changed and I 200 00:08:59,080 --> 00:09:01,559 Speaker 4: needed to be and places, and I needed to support 201 00:09:01,679 --> 00:09:04,720 Speaker 4: China and Europe, and so I was taking four am 202 00:09:04,760 --> 00:09:08,440 Speaker 4: calls and seven pm calls and it just wasn't sustainable 203 00:09:08,480 --> 00:09:10,560 Speaker 4: for me. I felt like I had learned everything that 204 00:09:10,640 --> 00:09:13,600 Speaker 4: I needed to learn from the job and it was 205 00:09:13,640 --> 00:09:15,520 Speaker 4: time to cash out. 206 00:09:15,640 --> 00:09:18,720 Speaker 1: All right, So you both, but you're was your plan 207 00:09:18,800 --> 00:09:21,040 Speaker 1: eventually to walk away the same way, Julian, Like you 208 00:09:21,160 --> 00:09:23,640 Speaker 1: kind of knew, okay, I'm going to be, you know, 209 00:09:23,720 --> 00:09:26,040 Speaker 1: heading on this entrepreneurial path. Were you kind of just 210 00:09:26,080 --> 00:09:27,439 Speaker 1: waiting for the right moment, Kirsten. 211 00:09:27,720 --> 00:09:28,000 Speaker 3: Yeah. 212 00:09:28,000 --> 00:09:30,400 Speaker 4: The plan was to hit a number in our bank 213 00:09:30,440 --> 00:09:33,520 Speaker 4: account or in our investment portfolio before we walked away, 214 00:09:33,920 --> 00:09:36,760 Speaker 4: and we were on track to hit that probably mid 215 00:09:36,880 --> 00:09:39,040 Speaker 4: twenty twenty one. This was, of course, before we knew 216 00:09:39,080 --> 00:09:41,679 Speaker 4: there was a global pandemic coming, but we were on 217 00:09:41,800 --> 00:09:45,320 Speaker 4: track to hit it mid last year, and I. 218 00:09:45,280 --> 00:09:47,199 Speaker 3: Had started to feel the pressure to. 219 00:09:47,200 --> 00:09:50,560 Speaker 4: Leave, or the decision to leave, by the end of 220 00:09:50,600 --> 00:09:53,400 Speaker 4: twenty nineteen, so about two years ahead of schedule. But 221 00:09:53,480 --> 00:09:56,200 Speaker 4: we already had our business going, and so the question 222 00:09:56,400 --> 00:09:58,240 Speaker 4: was did I think I could make up for lost 223 00:09:58,240 --> 00:10:00,960 Speaker 4: time or at least get back a sense of quality 224 00:10:00,960 --> 00:10:03,920 Speaker 4: of life if I focused on this through twenty you know, 225 00:10:03,960 --> 00:10:05,960 Speaker 4: for the next couple of years. And so that's that 226 00:10:06,040 --> 00:10:07,440 Speaker 4: was kind of the catalyst of leaving. 227 00:10:08,320 --> 00:10:10,640 Speaker 1: So you were definitely part of the great reshuffling, the 228 00:10:10,679 --> 00:10:13,360 Speaker 1: Great resignation. I quit of twenty twenty. 229 00:10:13,120 --> 00:10:16,760 Speaker 4: Three weeks before the pandemic started, and it was. 230 00:10:16,800 --> 00:10:17,800 Speaker 1: The whole trendsetter. 231 00:10:19,320 --> 00:10:21,840 Speaker 4: The start of the start of what they're calling the 232 00:10:21,840 --> 00:10:24,520 Speaker 4: Great resignation. I'm wondering is if like the initial round 233 00:10:24,559 --> 00:10:27,240 Speaker 4: of furloughs where everybody was just kind of laid off 234 00:10:28,080 --> 00:10:30,839 Speaker 4: versus actually leaving on their own. I think I was 235 00:10:30,880 --> 00:10:33,400 Speaker 4: ahead of that curve of people just being like, you know, 236 00:10:33,640 --> 00:10:35,520 Speaker 4: f this, I'm going to figure it out on my own. 237 00:10:35,520 --> 00:10:37,960 Speaker 1: Well that's the thing, Like they talk about the great resignation, 238 00:10:38,160 --> 00:10:40,559 Speaker 1: but if you were approaching your career, I feel like 239 00:10:40,600 --> 00:10:43,280 Speaker 1: the correct way we you should be looking to leave 240 00:10:43,360 --> 00:10:45,640 Speaker 1: or move up and move around, you know, through your career. 241 00:10:45,760 --> 00:10:48,480 Speaker 1: So people act like, oh, it's a great resignation of trend. 242 00:10:48,480 --> 00:10:50,280 Speaker 1: I'm like, no, people are always going to be quitting, 243 00:10:50,280 --> 00:10:53,080 Speaker 1: which means we have job security. Kristen Julian and I like, okay, 244 00:10:53,080 --> 00:10:54,960 Speaker 1: people are always going to need some guidance when it 245 00:10:55,000 --> 00:10:58,000 Speaker 1: comes to their career. So I don't feel at all 246 00:10:58,080 --> 00:11:00,840 Speaker 1: like even my business as a career coach, like there's 247 00:11:00,880 --> 00:11:02,560 Speaker 1: going to come a time when it's going to dry up. 248 00:11:02,600 --> 00:11:05,079 Speaker 1: People are not going to be making career transitions, you know, 249 00:11:05,440 --> 00:11:08,080 Speaker 1: and getting to that place of being stalled. Nah, y'all 250 00:11:08,080 --> 00:11:11,920 Speaker 1: talk about something that's really interesting, the fifteen year career 251 00:11:12,160 --> 00:11:15,000 Speaker 1: and sort of how people can or should prioritize their 252 00:11:15,040 --> 00:11:17,520 Speaker 1: goals through each stage of their career so that they 253 00:11:17,559 --> 00:11:20,280 Speaker 1: can quit an under fifteen years. Is that right? Can 254 00:11:20,320 --> 00:11:21,000 Speaker 1: y'all talk about that? 255 00:11:21,360 --> 00:11:21,760 Speaker 3: Yeah? 256 00:11:21,760 --> 00:11:23,960 Speaker 4: So the fifteen year career was really just trying to 257 00:11:24,000 --> 00:11:26,120 Speaker 4: disrupt the construct that a lot of us have that 258 00:11:26,200 --> 00:11:29,840 Speaker 4: careers are this lifelong pursuit that you just continue to 259 00:11:29,880 --> 00:11:32,800 Speaker 4: work on it and it's a huge part of your identity, like. 260 00:11:32,760 --> 00:11:35,959 Speaker 3: You lead with your career, which you do who you are, and. 261 00:11:35,920 --> 00:11:38,640 Speaker 4: So the fifteen year career is actually encouraging people to 262 00:11:38,720 --> 00:11:41,120 Speaker 4: look at careers as a phase in your life the 263 00:11:41,160 --> 00:11:43,680 Speaker 4: same way we look at K through twelve education or 264 00:11:43,720 --> 00:11:47,080 Speaker 4: a bachelor's degree or an advanced degree if you if 265 00:11:47,080 --> 00:11:50,760 Speaker 4: you're a doctor or a lawyer, where in a stated 266 00:11:50,800 --> 00:11:53,720 Speaker 4: period of time, you're there to accomplish a goal and 267 00:11:53,720 --> 00:11:55,480 Speaker 4: then you're there to move on and that could be 268 00:11:55,520 --> 00:11:58,160 Speaker 4: to another career, or it could be to early retirement 269 00:11:58,240 --> 00:12:01,320 Speaker 4: or entrepreneurship. But we bring it up into three phases. 270 00:12:01,760 --> 00:12:04,080 Speaker 4: The first five years, if you have debt, it's really 271 00:12:04,120 --> 00:12:07,080 Speaker 4: about continuing to live frugally and treat that debt as 272 00:12:07,160 --> 00:12:10,160 Speaker 4: an emergency and pay it down. The second five years 273 00:12:10,240 --> 00:12:14,000 Speaker 4: is really about skill acquisition, like Julian was saying, acquiring 274 00:12:14,040 --> 00:12:16,800 Speaker 4: skills that are valuable in a market outside of just 275 00:12:16,840 --> 00:12:19,760 Speaker 4: your employer. And then the last five years is really 276 00:12:20,000 --> 00:12:22,800 Speaker 4: trying to figure out how to monetize those skills and 277 00:12:22,840 --> 00:12:28,400 Speaker 4: move on and actually translate them into capital, into actual dollars, 278 00:12:28,440 --> 00:12:30,720 Speaker 4: and then ramp up your investments while you're doing that. 279 00:12:31,280 --> 00:12:34,760 Speaker 4: And so the idea is that after fifteen years, you know, 280 00:12:34,800 --> 00:12:36,520 Speaker 4: you should be able to check the box and say 281 00:12:36,520 --> 00:12:39,240 Speaker 4: I'm good here, and you might continue. You could decide 282 00:12:39,280 --> 00:12:41,680 Speaker 4: that you want to stay in the latter phase because 283 00:12:41,720 --> 00:12:45,120 Speaker 4: you are enjoying making great money and having a skill 284 00:12:45,160 --> 00:12:48,000 Speaker 4: that's in demand. Or again you can decide to cash 285 00:12:48,040 --> 00:12:49,920 Speaker 4: out and just kind of do what you want to do. 286 00:12:49,880 --> 00:12:50,360 Speaker 3: With your time. 287 00:12:50,480 --> 00:12:52,920 Speaker 2: Yeah, and this is also assuming that you're investing along 288 00:12:52,960 --> 00:12:53,760 Speaker 2: the way right correct. 289 00:12:54,080 --> 00:12:55,480 Speaker 3: In addition important part YEA. 290 00:12:56,000 --> 00:12:58,880 Speaker 2: And doing all all those things, you're building an investment 291 00:12:58,960 --> 00:13:01,439 Speaker 2: portfolio or or whatever it is right. It could be 292 00:13:01,800 --> 00:13:03,640 Speaker 2: sitting in a brokerage account. It could be that you're 293 00:13:04,000 --> 00:13:08,360 Speaker 2: focusing on funding your retirement account up front, but you're 294 00:13:08,840 --> 00:13:11,760 Speaker 2: ideally putting yourself in a position so that at the 295 00:13:11,840 --> 00:13:14,360 Speaker 2: end of this period, you have an option to Heresin's point. 296 00:13:14,400 --> 00:13:17,000 Speaker 2: You don't have to walk away and go sit pinicolatas. 297 00:13:17,000 --> 00:13:18,880 Speaker 2: You may have the option to do that, but you 298 00:13:18,880 --> 00:13:22,640 Speaker 2: could decide to transition and focus on being you know, 299 00:13:22,760 --> 00:13:26,120 Speaker 2: the president of the HOA or someone that does something 300 00:13:26,160 --> 00:13:28,800 Speaker 2: in your county or whatever it is, any number of 301 00:13:28,880 --> 00:13:31,319 Speaker 2: things that you could do to fill your time outside 302 00:13:31,360 --> 00:13:31,679 Speaker 2: of just. 303 00:13:31,679 --> 00:13:36,640 Speaker 1: Please don't Why is that the dream? 304 00:13:37,080 --> 00:13:37,439 Speaker 4: Say that? 305 00:13:37,480 --> 00:13:40,160 Speaker 2: Because imagine a world where more of us are actually 306 00:13:40,200 --> 00:13:41,920 Speaker 2: able to do that job effectively. 307 00:13:42,200 --> 00:13:46,000 Speaker 1: So you know, maybe I just can't think of the 308 00:13:46,040 --> 00:13:48,800 Speaker 1: more scum of the earth than like HOA presidents. Why 309 00:13:48,840 --> 00:13:51,840 Speaker 1: are they so problematic? Sorry, you distracted me. 310 00:13:53,360 --> 00:13:56,640 Speaker 5: You distracted me back getting back to your point, Juliet, 311 00:13:56,720 --> 00:13:58,800 Speaker 5: It's funny because that when you talk about the fifteen 312 00:13:58,840 --> 00:14:00,680 Speaker 5: year stage, I think I'm in like year eleven of 313 00:14:00,720 --> 00:14:04,640 Speaker 5: my career post college and wait, how old am I? 314 00:14:04,640 --> 00:14:07,520 Speaker 1: I'm trying it's more than eleven years. It's like twelve 315 00:14:07,600 --> 00:14:10,920 Speaker 1: or thirteen. But anyway, and it has sort of lined 316 00:14:10,960 --> 00:14:13,400 Speaker 1: up in that I didn't approach it, you know, systematically 317 00:14:13,440 --> 00:14:15,040 Speaker 1: that but I'm kind of like, oh, I'm in that 318 00:14:15,520 --> 00:14:17,400 Speaker 1: I was in the past five years acquiring all these 319 00:14:17,400 --> 00:14:19,640 Speaker 1: skills and then now I'm on my own, like you 320 00:14:19,680 --> 00:14:23,080 Speaker 1: guys are monetizing them and creating this entrepreneur you know, 321 00:14:23,240 --> 00:14:26,720 Speaker 1: entrepreneurship journey for myself. So yeah, I definitely, I mean 322 00:14:26,760 --> 00:14:28,640 Speaker 1: and would endorse that. And Julian and I want to 323 00:14:28,680 --> 00:14:30,160 Speaker 1: talk to you. So what were some I know you 324 00:14:30,200 --> 00:14:33,800 Speaker 1: mentioned blogging, YouTube, video editing, you know, I'm sure those 325 00:14:33,840 --> 00:14:36,360 Speaker 1: types of skills, but what other skills were you leaning 326 00:14:36,360 --> 00:14:39,440 Speaker 1: on or looking to build that? And you said real 327 00:14:39,560 --> 00:14:41,480 Speaker 1: estate too, So can you talk about some of those 328 00:14:41,520 --> 00:14:44,080 Speaker 1: skills that you were acquiring so that set yourself up 329 00:14:44,120 --> 00:14:46,320 Speaker 1: so that rich and regular could be, you know, y'all's 330 00:14:46,320 --> 00:14:47,440 Speaker 1: primary source of income. 331 00:14:47,640 --> 00:14:47,960 Speaker 4: Sure. 332 00:14:48,120 --> 00:14:50,480 Speaker 2: So the primary skill that I was focused on building 333 00:14:50,520 --> 00:14:53,640 Speaker 2: was around marketing and branding. Part of that was because 334 00:14:53,640 --> 00:14:56,720 Speaker 2: that's what I studied in college. But I learned very 335 00:14:56,800 --> 00:15:01,280 Speaker 2: quickly how to make ideas grow, how to curate ideas, 336 00:15:01,760 --> 00:15:05,760 Speaker 2: how to communicate them. And so I spent that last 337 00:15:06,280 --> 00:15:08,800 Speaker 2: three maybe four years of my career sort of a 338 00:15:08,840 --> 00:15:12,760 Speaker 2: part of that organization focusing more so on learning, Right, 339 00:15:12,800 --> 00:15:16,480 Speaker 2: It wasn't about trying to get the skill set or 340 00:15:16,480 --> 00:15:17,840 Speaker 2: the job that I knew was going to help me 341 00:15:17,880 --> 00:15:19,920 Speaker 2: get a promotion. It was about what are the skills 342 00:15:19,920 --> 00:15:24,440 Speaker 2: that I can learn dealing with agencies, learning the fundamentals 343 00:15:24,440 --> 00:15:26,680 Speaker 2: of building a brand from people who've done it with 344 00:15:26,800 --> 00:15:30,720 Speaker 2: world class brands, Understanding the data, all of those things, 345 00:15:30,760 --> 00:15:35,400 Speaker 2: creative storytelling to your point about videos and photography, like 346 00:15:35,840 --> 00:15:39,040 Speaker 2: all of that kind of stuff, and even influencer marketing. 347 00:15:39,040 --> 00:15:41,880 Speaker 2: And it's actually a tiny part of our book, and 348 00:15:41,920 --> 00:15:44,400 Speaker 2: it was one of the things that really made me say, actually, 349 00:15:44,400 --> 00:15:46,440 Speaker 2: I think I could do this was because at that 350 00:15:46,920 --> 00:15:50,360 Speaker 2: earlier stage, it was like year seven for me, seven 351 00:15:50,400 --> 00:15:53,320 Speaker 2: out of the ten. Was the company that I was 352 00:15:53,320 --> 00:15:55,880 Speaker 2: working for decided to test out this little thing call 353 00:15:55,960 --> 00:15:58,440 Speaker 2: influencer marketing. And I was like, I don't know, but 354 00:15:58,480 --> 00:16:02,080 Speaker 2: I remember cutting a really check to cover this thing. 355 00:16:02,160 --> 00:16:04,840 Speaker 2: And long story short, we paid a guy like ten 356 00:16:04,880 --> 00:16:08,800 Speaker 2: thousand dollars to take a vacation with his kids, eat 357 00:16:08,920 --> 00:16:12,600 Speaker 2: at a restaurant, and basically just go have a good 358 00:16:12,600 --> 00:16:15,880 Speaker 2: time because it was a hospitality company. And every now 359 00:16:15,920 --> 00:16:18,800 Speaker 2: and then, just for motivation, I go to his website 360 00:16:18,840 --> 00:16:21,000 Speaker 2: because it's like a really old school website and it 361 00:16:21,040 --> 00:16:23,320 Speaker 2: still has a ticker on it, and it's like one 362 00:16:23,400 --> 00:16:26,520 Speaker 2: hundred and sixty seven page views, and so for me 363 00:16:26,560 --> 00:16:28,480 Speaker 2: it was like motivation. It's like, oh wow, this guy 364 00:16:28,640 --> 00:16:31,320 Speaker 2: was able to do something incredible. He's not a celebrity, 365 00:16:31,920 --> 00:16:33,880 Speaker 2: but it was just very intriguing for me. And so 366 00:16:34,040 --> 00:16:37,680 Speaker 2: all of those skills and points in that particular story 367 00:16:37,920 --> 00:16:39,560 Speaker 2: was enough for me to say, Okay, as I'm thinking 368 00:16:39,560 --> 00:16:42,120 Speaker 2: about my own quality of life, do I believe that 369 00:16:42,160 --> 00:16:44,440 Speaker 2: if I stepped outside of this world that is very 370 00:16:44,440 --> 00:16:47,120 Speaker 2: comfortable and familiar, that I'd be able to figure it out? 371 00:16:47,280 --> 00:16:49,840 Speaker 2: And the answer was yes, because I'd acquired enough of 372 00:16:49,840 --> 00:16:51,320 Speaker 2: those skills that I knew that I could do some 373 00:16:51,360 --> 00:16:52,360 Speaker 2: of these things on my own. 374 00:16:53,440 --> 00:16:55,280 Speaker 1: I love that, and that's such a good message for 375 00:16:55,320 --> 00:16:58,200 Speaker 1: anyone working nine to five and feeling like even if 376 00:16:58,200 --> 00:17:00,400 Speaker 1: you feel like you don't have tons of career progress there, 377 00:17:00,440 --> 00:17:03,600 Speaker 1: you still have access to other people and like free 378 00:17:03,760 --> 00:17:06,320 Speaker 1: education if you're willing to chat with people and find 379 00:17:06,359 --> 00:17:09,960 Speaker 1: out about them. And that's what I call it being entrepreneurial, 380 00:17:10,200 --> 00:17:13,040 Speaker 1: you know, kind of moving within your within your zone 381 00:17:13,080 --> 00:17:15,880 Speaker 1: at work, and what can you take advantage of There's 382 00:17:16,040 --> 00:17:18,960 Speaker 1: there's intellectual property there that people have that they can 383 00:17:19,000 --> 00:17:21,640 Speaker 1: share with you, and you can really learn and leverage 384 00:17:21,640 --> 00:17:23,919 Speaker 1: that and I think that was so I mean, so 385 00:17:24,040 --> 00:17:26,520 Speaker 1: smart of you and so wise, and not enough people 386 00:17:26,600 --> 00:17:29,560 Speaker 1: working day to day think to actually like check in 387 00:17:29,600 --> 00:17:31,879 Speaker 1: with such and such, even if you're in product you know, 388 00:17:32,000 --> 00:17:34,720 Speaker 1: or check in with the marketing team or advertising or 389 00:17:34,760 --> 00:17:37,000 Speaker 1: whatever you know, or if you're in vice versa, you're 390 00:17:37,000 --> 00:17:39,760 Speaker 1: in your marketing to check in with the product team 391 00:17:39,760 --> 00:17:42,679 Speaker 1: how to build a product, a physical or digital product, 392 00:17:42,880 --> 00:17:47,040 Speaker 1: and how all that works while you've got the free access. 393 00:17:47,400 --> 00:17:49,200 Speaker 2: Sorry, I was just gonna say it was a huge 394 00:17:49,240 --> 00:17:51,520 Speaker 2: aha moment for me because I'd had to get over 395 00:17:51,560 --> 00:17:54,160 Speaker 2: the hump that you can't learn about something just because 396 00:17:54,200 --> 00:17:55,760 Speaker 2: you aren't in that role. 397 00:17:56,160 --> 00:17:56,320 Speaker 4: Right. 398 00:17:56,359 --> 00:17:58,440 Speaker 2: I had to give myself permission to say, actually, you 399 00:17:58,480 --> 00:18:01,919 Speaker 2: can learn about whatever you want now. It's quite honestly 400 00:18:01,960 --> 00:18:04,159 Speaker 2: a little difficult to do in certain roles and in 401 00:18:04,200 --> 00:18:07,159 Speaker 2: certain companies. Some companies are better than others. But I 402 00:18:07,240 --> 00:18:10,439 Speaker 2: was able to navigate that and extract as much value 403 00:18:10,440 --> 00:18:12,960 Speaker 2: from that experience. Even though some of the things that 404 00:18:13,000 --> 00:18:15,760 Speaker 2: I was doing, like wasn't being well received. Didn't mean 405 00:18:15,760 --> 00:18:18,639 Speaker 2: that it wasn't good work. Didn't mean that that presentation 406 00:18:18,840 --> 00:18:21,560 Speaker 2: or that idea wasn't feasible. It's just because it wasn't 407 00:18:21,560 --> 00:18:24,600 Speaker 2: accepted at work. And so once I flipped that switch, 408 00:18:24,600 --> 00:18:26,960 Speaker 2: and I realized I can take these same skill sets 409 00:18:26,960 --> 00:18:30,399 Speaker 2: and storytelling and managing campaigns and just apply it to 410 00:18:30,440 --> 00:18:33,120 Speaker 2: things outside of my job. And really at that point, 411 00:18:33,160 --> 00:18:35,879 Speaker 2: it's just about trying to find a willing a customer 412 00:18:35,880 --> 00:18:36,720 Speaker 2: that's willing to pay you. 413 00:18:38,000 --> 00:18:39,960 Speaker 1: Yeah, can we pivot and talk a little bit about 414 00:18:40,040 --> 00:18:43,399 Speaker 1: y'all's investment strategy because you mentioned investing. Y'all sound like 415 00:18:43,920 --> 00:18:46,040 Speaker 1: y'all are in real estate a little bit, maybe a 416 00:18:46,040 --> 00:18:48,919 Speaker 1: lot of bit? You can you were okay, talk to 417 00:18:48,960 --> 00:18:52,400 Speaker 1: me about your investing strategy because I know that's also 418 00:18:52,400 --> 00:18:54,639 Speaker 1: a key part of the book. It's not just about 419 00:18:55,040 --> 00:18:57,560 Speaker 1: using your career lever but in wealth building, but it's 420 00:18:57,560 --> 00:19:00,400 Speaker 1: also like how do we accelerate that through anting. 421 00:19:01,000 --> 00:19:04,040 Speaker 4: Yeah, So we used to be real estate investors. We 422 00:19:04,119 --> 00:19:08,320 Speaker 4: had a very small portfolio of two rental properties. Yeah, 423 00:19:08,320 --> 00:19:11,400 Speaker 4: two rental properties in our primary residents, so three houses 424 00:19:11,440 --> 00:19:15,359 Speaker 4: all together, and we liquidated those in twenty nineteen and 425 00:19:15,440 --> 00:19:19,360 Speaker 4: twenty twenty to focus more so on digital entrepreneurship in 426 00:19:19,680 --> 00:19:20,840 Speaker 4: other types of investing. 427 00:19:21,359 --> 00:19:23,080 Speaker 3: And so today because. 428 00:19:22,800 --> 00:19:25,640 Speaker 1: It was just a lot of work, like bandwidth wise. 429 00:19:26,680 --> 00:19:29,440 Speaker 2: Not really we had a management company that managed those 430 00:19:29,480 --> 00:19:31,840 Speaker 2: things for us in terms of the day to day, 431 00:19:32,400 --> 00:19:36,800 Speaker 2: but quite honestly, we had something to compare the work too, right, 432 00:19:36,920 --> 00:19:39,160 Speaker 2: And again I kind of felt as if, at the time, 433 00:19:39,320 --> 00:19:41,359 Speaker 2: or leading up to that point, we were really subscribing 434 00:19:41,400 --> 00:19:44,960 Speaker 2: to what I now consider a very traditional path to 435 00:19:45,000 --> 00:19:48,280 Speaker 2: building wealth. You've got stock markets in real estate. But 436 00:19:49,600 --> 00:19:52,600 Speaker 2: once we became introduced to digital entrepreneurship and we had 437 00:19:52,640 --> 00:19:54,199 Speaker 2: something to compare it to, and it was like the 438 00:19:54,200 --> 00:19:57,160 Speaker 2: money that we were making in you know, let's say 439 00:19:57,200 --> 00:20:00,520 Speaker 2: a month just based off of brand campaigns by far 440 00:20:00,680 --> 00:20:03,280 Speaker 2: eclipse the value that we were earning on our rental property. 441 00:20:03,480 --> 00:20:05,840 Speaker 2: And that's not to say that rental properties are bad, 442 00:20:05,920 --> 00:20:08,440 Speaker 2: but the particular properties that we have, while they were good, 443 00:20:08,960 --> 00:20:11,000 Speaker 2: it just wasn't necessarily worth the squeeze, I mean, and 444 00:20:11,040 --> 00:20:12,840 Speaker 2: there was still a lot of work to do, even 445 00:20:12,880 --> 00:20:15,399 Speaker 2: though we had a middleman, a management company, and they 446 00:20:15,440 --> 00:20:18,200 Speaker 2: earned their ten percent because they certainly made my life easier. 447 00:20:18,400 --> 00:20:21,320 Speaker 2: But even still, when we combine the work, the paperwork, 448 00:20:21,400 --> 00:20:24,080 Speaker 2: the follow up, the back and forth, and just the 449 00:20:24,119 --> 00:20:26,480 Speaker 2: sense of tension that you have when you own a 450 00:20:26,480 --> 00:20:29,280 Speaker 2: physical property and know that somebody is in it. After 451 00:20:29,280 --> 00:20:32,399 Speaker 2: a while, once we had that compared to all of 452 00:20:32,440 --> 00:20:34,439 Speaker 2: the other things that we've done, we realized, actually, we 453 00:20:34,480 --> 00:20:36,879 Speaker 2: just don't really want to do this anymore, and so 454 00:20:36,960 --> 00:20:38,680 Speaker 2: we made the decision to say, you know what, let's 455 00:20:38,720 --> 00:20:41,520 Speaker 2: invest in digital entrepreneurship. And that's kind of where we 456 00:20:41,560 --> 00:20:44,199 Speaker 2: are now, like focusing on the creator economy. We have 457 00:20:44,280 --> 00:20:46,760 Speaker 2: a new education and tech platform that we're in the 458 00:20:46,760 --> 00:20:48,840 Speaker 2: process of building out. We have this book, we have 459 00:20:48,920 --> 00:20:51,840 Speaker 2: all these other things. We just enjoy it and it 460 00:20:52,000 --> 00:20:54,560 Speaker 2: just you know, there's there's something too, like the value 461 00:20:54,600 --> 00:20:57,119 Speaker 2: in it aside from its profitability, but like we enjoy 462 00:20:57,160 --> 00:21:00,280 Speaker 2: it a lot more than we do being a landlord. 463 00:21:00,000 --> 00:21:03,520 Speaker 1: Which gotcha. I love that perspective. I think that's so 464 00:21:03,600 --> 00:21:05,959 Speaker 1: smart too. I mean, for people who maybe don't have 465 00:21:06,000 --> 00:21:07,920 Speaker 1: a digital brand to focus on it, it can make 466 00:21:07,960 --> 00:21:10,199 Speaker 1: sense to have that extra However, much you know on 467 00:21:10,240 --> 00:21:12,760 Speaker 1: top that you're getting from your renters. So what so, 468 00:21:12,840 --> 00:21:16,640 Speaker 1: now that you've you've liquidated your real estate properties, are 469 00:21:16,720 --> 00:21:18,440 Speaker 1: y'all are you about to tell me that you're into 470 00:21:18,480 --> 00:21:21,639 Speaker 1: like crypto and NFT? Are you a boring investor like 471 00:21:21,760 --> 00:21:25,880 Speaker 1: me with your index funds? What's what's inside your accounts. 472 00:21:25,960 --> 00:21:28,359 Speaker 4: Let's talk about We do dabble a little bit in crypto, 473 00:21:28,440 --> 00:21:30,600 Speaker 4: but it's just a dabble. It ain't it ain't a 474 00:21:30,640 --> 00:21:32,359 Speaker 4: substantial amount of our portfolio. 475 00:21:32,400 --> 00:21:33,480 Speaker 3: But we're die. 476 00:21:33,320 --> 00:21:37,600 Speaker 4: Hard index fund investors. We're DIY investors, and we love 477 00:21:37,960 --> 00:21:41,320 Speaker 4: index funds. We get the simplest path to wealth shout 478 00:21:41,359 --> 00:21:46,680 Speaker 4: out to Jail Collins, and we invest heavily in index funds. 479 00:21:47,119 --> 00:21:50,560 Speaker 4: We also front loaded our traditional retirement so we no 480 00:21:50,640 --> 00:21:53,960 Speaker 4: longer put a substantial amount of money in our traditional 481 00:21:54,000 --> 00:21:57,880 Speaker 4: retirement accounts, our four one k's, and we just invest 482 00:21:57,920 --> 00:22:00,199 Speaker 4: through taxable accounts like brokerage is. 483 00:22:00,240 --> 00:22:01,800 Speaker 3: We do have some tax advantage accounts. 484 00:22:01,840 --> 00:22:05,120 Speaker 4: We have an HSA and we have a ur SEP 485 00:22:05,160 --> 00:22:08,600 Speaker 4: four one k which is for entrepreneurs. But for the 486 00:22:08,640 --> 00:22:12,600 Speaker 4: most part, we are done investing for our traditional retirement 487 00:22:12,680 --> 00:22:14,960 Speaker 4: life after sixty five. We're just gonna let the money 488 00:22:14,960 --> 00:22:18,280 Speaker 4: that's there sit and we're just focused on kind of 489 00:22:18,280 --> 00:22:20,840 Speaker 4: building that bridge fund in between now and then. 490 00:22:23,080 --> 00:22:25,359 Speaker 1: So do y'all mind if I asked that question how 491 00:22:25,440 --> 00:22:27,200 Speaker 1: much what was your goal? You said you mentioned a 492 00:22:27,280 --> 00:22:30,520 Speaker 1: number goal that you had for you know, walking away 493 00:22:30,520 --> 00:22:32,160 Speaker 1: from nine to five life. What was that goal? 494 00:22:32,760 --> 00:22:36,280 Speaker 4: I think at the time it was like one point 495 00:22:36,320 --> 00:22:40,879 Speaker 4: two million something like that. This was before so this 496 00:22:40,960 --> 00:22:44,440 Speaker 4: is the challenge with creating a five number or north star, 497 00:22:45,160 --> 00:22:48,040 Speaker 4: and before you've had a chance to like fully live 498 00:22:48,119 --> 00:22:50,879 Speaker 4: your life. At that time, it was before we had 499 00:22:50,880 --> 00:22:53,320 Speaker 4: had our son when we created that number, and it 500 00:22:53,359 --> 00:22:56,440 Speaker 4: was before we started to financially support or at least 501 00:22:56,480 --> 00:23:00,960 Speaker 4: assist Julian's mom, who is financially insecure and needs a 502 00:23:01,000 --> 00:23:04,200 Speaker 4: subsidy every month essentially to afford to live. She lives 503 00:23:04,200 --> 00:23:07,080 Speaker 4: off of Social Security. That amount is well below the 504 00:23:07,119 --> 00:23:08,840 Speaker 4: poverty line, and so in order to give her the 505 00:23:08,920 --> 00:23:11,359 Speaker 4: quality of life that we think she deserves, we have 506 00:23:11,440 --> 00:23:14,240 Speaker 4: to help. And so when we created that number, it 507 00:23:14,280 --> 00:23:16,280 Speaker 4: didn't include any of that stuff. It just kind of 508 00:23:16,320 --> 00:23:21,159 Speaker 4: took our expenses as to dinks, double income, no kids, 509 00:23:21,720 --> 00:23:25,359 Speaker 4: and expanded at times twenty five years or whatever the 510 00:23:25,400 --> 00:23:29,040 Speaker 4: formula is. And so when we started realizing that it 511 00:23:29,119 --> 00:23:32,960 Speaker 4: was very difficult to stick to a number because life 512 00:23:33,200 --> 00:23:36,320 Speaker 4: is still evolving and changing and we had decisions around 513 00:23:36,440 --> 00:23:39,280 Speaker 4: childcare and education that we still need to make, we 514 00:23:39,400 --> 00:23:43,120 Speaker 4: just then started focusing on an overall income strategy, with 515 00:23:43,280 --> 00:23:47,040 Speaker 4: investments obviously propping up the total value of our portfolio. 516 00:23:47,160 --> 00:23:50,480 Speaker 3: But yeah, that I think our number was somewhere around 517 00:23:50,480 --> 00:23:51,800 Speaker 3: the million dollar ballpark. 518 00:23:52,880 --> 00:23:55,720 Speaker 1: Well, so you guys't. It wasn't a we're going to 519 00:23:55,760 --> 00:23:58,440 Speaker 1: go live on a beach number and never make another cent. 520 00:23:58,560 --> 00:24:01,399 Speaker 1: Obviously you are. You remind me a lot. I'm thinking 521 00:24:01,400 --> 00:24:04,800 Speaker 1: of our rich journey, your counterparts in Portugal. I feel 522 00:24:04,840 --> 00:24:07,240 Speaker 1: like you guys are their power couple in the finance space. 523 00:24:07,720 --> 00:24:10,439 Speaker 1: But like obviously they were able to retire by forty, 524 00:24:10,440 --> 00:24:12,600 Speaker 1: but they ain't sitting on their hands. They're running a 525 00:24:12,680 --> 00:24:15,560 Speaker 1: huge multimedia brand just like you guys are. So that's 526 00:24:15,560 --> 00:24:17,280 Speaker 1: a source of income. So you may not need to 527 00:24:17,359 --> 00:24:19,879 Speaker 1: hit that million because you know you've got that money 528 00:24:19,880 --> 00:24:21,440 Speaker 1: coming in and you guys are your own. 529 00:24:21,680 --> 00:24:24,719 Speaker 2: Yeah, and that's the part movement that I don't that 530 00:24:24,800 --> 00:24:26,920 Speaker 2: I think gets a little cloudy, but I understand why 531 00:24:26,960 --> 00:24:29,680 Speaker 2: because when people are first introduced to it, they're introduced 532 00:24:29,680 --> 00:24:31,520 Speaker 2: to it in their very traditional sense. But back to 533 00:24:31,600 --> 00:24:35,560 Speaker 2: your point, income is the secret there, and especially when 534 00:24:35,560 --> 00:24:38,480 Speaker 2: you are comfortable and you have a pretty good sustainable 535 00:24:38,520 --> 00:24:40,760 Speaker 2: source of income and you know what it takes to 536 00:24:40,840 --> 00:24:43,639 Speaker 2: create that income. When you have that as an option, 537 00:24:44,280 --> 00:24:46,359 Speaker 2: you have so many other options in terms of what 538 00:24:46,400 --> 00:24:49,280 Speaker 2: you're willing to do in exchange for money and certainly 539 00:24:49,280 --> 00:24:50,960 Speaker 2: what you're willing to do in exchange all your time. 540 00:24:51,280 --> 00:24:53,600 Speaker 2: And I think for us, that's really what we want 541 00:24:54,480 --> 00:24:57,040 Speaker 2: for most people, we want to just give us more options. 542 00:24:57,240 --> 00:24:59,880 Speaker 2: And I would say specifically people of color who work 543 00:25:00,080 --> 00:25:03,600 Speaker 2: in traditional corporate environments, because we find that they're very 544 00:25:04,760 --> 00:25:07,720 Speaker 2: focused on that one way of getting a job is 545 00:25:07,760 --> 00:25:09,679 Speaker 2: really getting the next promotion. And it was like, that 546 00:25:09,800 --> 00:25:11,959 Speaker 2: is one way, and it's a popular way, and there 547 00:25:12,000 --> 00:25:13,800 Speaker 2: are certainly tons of tools and things that you can 548 00:25:13,840 --> 00:25:15,800 Speaker 2: do to get that, but we just want to make 549 00:25:15,800 --> 00:25:18,160 Speaker 2: sure that they're aware of some of these other things 550 00:25:18,200 --> 00:25:20,520 Speaker 2: that I think might be able to one give them 551 00:25:20,560 --> 00:25:23,720 Speaker 2: an opportunity to earn more income, but to just have 552 00:25:23,920 --> 00:25:26,920 Speaker 2: a better quality of life in the process. Not always, 553 00:25:26,960 --> 00:25:29,000 Speaker 2: but at least we want to make sure that they're 554 00:25:29,000 --> 00:25:29,480 Speaker 2: aware of that. 555 00:25:30,480 --> 00:25:35,919 Speaker 1: It's about creating professional and financial resiliency, having additional income 556 00:25:36,000 --> 00:25:38,040 Speaker 1: streams beyond just year nine to five. I mean, like 557 00:25:38,080 --> 00:25:39,960 Speaker 1: I've been laid off before. We just had these huge 558 00:25:40,000 --> 00:25:42,320 Speaker 1: layoffs from better dot com. Three thousand people lost their 559 00:25:42,400 --> 00:25:44,880 Speaker 1: jobs just a couple of weeks ago. I mean all 560 00:25:44,920 --> 00:25:48,560 Speaker 1: sorts of plate peloton. You hear these like headline making layoffs. 561 00:25:49,280 --> 00:25:51,960 Speaker 1: No job is secure, Like it's just bs. No job 562 00:25:52,000 --> 00:25:54,080 Speaker 1: is secure. And what I love about it is when 563 00:25:54,119 --> 00:25:56,560 Speaker 1: you have other skills Like I always had brown ambition, 564 00:25:56,680 --> 00:26:00,000 Speaker 1: for example, and it wasn't necessarily able to replace my income, 565 00:26:00,119 --> 00:26:02,760 Speaker 1: but it was something like when I went independent last summer, 566 00:26:02,800 --> 00:26:05,040 Speaker 1: it gave me a sense of structure, like at least 567 00:26:05,320 --> 00:26:07,199 Speaker 1: every week, I'm going to do BA and I'm going 568 00:26:07,240 --> 00:26:09,959 Speaker 1: to figure out mandy money, you know, as I go along. 569 00:26:10,200 --> 00:26:12,200 Speaker 1: And I love also and maybe you guys talk about 570 00:26:12,200 --> 00:26:14,399 Speaker 1: this as well, helping people figure out what kind of 571 00:26:14,440 --> 00:26:16,679 Speaker 1: skills they can leverage as a consultant, you know, to 572 00:26:16,760 --> 00:26:20,919 Speaker 1: actually work independently and getting work outside of your nine 573 00:26:21,000 --> 00:26:23,959 Speaker 1: to five? Was that important for you too, Kirsten? I mean, 574 00:26:24,000 --> 00:26:26,200 Speaker 1: I know, Julian, you know you were building these skill sets. 575 00:26:26,480 --> 00:26:29,160 Speaker 1: What sort of skills have you taken from your previous 576 00:26:29,200 --> 00:26:31,439 Speaker 1: work through your nine to five and sort of applied 577 00:26:31,440 --> 00:26:32,200 Speaker 1: to y'all's business. 578 00:26:32,600 --> 00:26:32,879 Speaker 3: Yeah. 579 00:26:32,920 --> 00:26:35,919 Speaker 4: So my previous work was on the product side of 580 00:26:35,920 --> 00:26:38,640 Speaker 4: the business, and it was kind of connecting our call 581 00:26:38,680 --> 00:26:41,560 Speaker 4: centers with our technology department, and so I got a 582 00:26:41,560 --> 00:26:44,760 Speaker 4: ton of experience in B to B relationships and partnerships, 583 00:26:45,119 --> 00:26:49,399 Speaker 4: as well as real time conversations, customer service and incentives, 584 00:26:49,840 --> 00:26:51,639 Speaker 4: and so I think what I've learned from that is 585 00:26:51,680 --> 00:26:55,480 Speaker 4: just how to position a offer or an idea as 586 00:26:55,520 --> 00:26:57,879 Speaker 4: something that people actually want and get them to take action, 587 00:26:58,359 --> 00:27:00,440 Speaker 4: and that's what we've applied to our business. I can 588 00:27:00,560 --> 00:27:03,159 Speaker 4: understand that saving money is not the sexiest idea in 589 00:27:03,200 --> 00:27:07,240 Speaker 4: the world. Index funds certainly are not the sexiest investment. 590 00:27:07,320 --> 00:27:10,600 Speaker 4: If you look on anybody for yourself, I love, you 591 00:27:11,680 --> 00:27:14,159 Speaker 4: got to learn how to make a problem sexy, and 592 00:27:14,200 --> 00:27:16,440 Speaker 4: you got to learn how to get people excited about 593 00:27:16,440 --> 00:27:20,080 Speaker 4: something that is fairly simple and understand to understand. I 594 00:27:20,080 --> 00:27:23,080 Speaker 4: think a lot of times we assume that it has 595 00:27:23,160 --> 00:27:26,520 Speaker 4: to be difficult to understand in order to be valuable, 596 00:27:26,640 --> 00:27:29,040 Speaker 4: or it has to be expensive in order to be valuable. 597 00:27:29,400 --> 00:27:32,040 Speaker 4: And in the case of investing and becoming a millionaire, 598 00:27:32,440 --> 00:27:35,960 Speaker 4: the solutions are actually pretty straightforward, and what it requires 599 00:27:36,080 --> 00:27:38,760 Speaker 4: is just a discipline and a commitment and maybe a 600 00:27:38,800 --> 00:27:42,200 Speaker 4: different social path, a different type of community to encourage 601 00:27:42,200 --> 00:27:43,760 Speaker 4: you to do the thing that you already know how 602 00:27:43,800 --> 00:27:44,040 Speaker 4: to do. 603 00:27:44,240 --> 00:27:46,280 Speaker 1: All right, let's take a quick break BA fam I 604 00:27:46,280 --> 00:27:48,959 Speaker 1: will be right back with more from my conversation with 605 00:27:49,160 --> 00:27:52,360 Speaker 1: the delightful Julia and Kirsten Saunders from Rich and Regular. 606 00:27:54,119 --> 00:27:56,360 Speaker 1: All right, da fam, we are back. I am back 607 00:27:56,400 --> 00:27:59,760 Speaker 1: with my guest today, Julian and Kirsten Saunders, husband and 608 00:27:59,800 --> 00:28:04,120 Speaker 1: wife and the power couple behind the brand Rich and Regular. 609 00:28:04,320 --> 00:28:06,840 Speaker 1: There's a real difference between people who get the knowledge 610 00:28:06,840 --> 00:28:09,880 Speaker 1: and those who take action on the knowledge. And the 611 00:28:09,880 --> 00:28:12,600 Speaker 1: more that I do my work, I get I feel 612 00:28:12,600 --> 00:28:14,840 Speaker 1: like how teachers must feel when you look at a 613 00:28:14,840 --> 00:28:16,680 Speaker 1: student and you're like, but you got all the information, 614 00:28:16,800 --> 00:28:18,600 Speaker 1: you still didn't study or you didn't take that. You 615 00:28:18,600 --> 00:28:21,879 Speaker 1: don't like what's going on and having to release that. 616 00:28:23,400 --> 00:28:26,960 Speaker 1: But but that is why there will always be, you know, 617 00:28:27,080 --> 00:28:29,600 Speaker 1: an audience for people like you guys too, I mean, 618 00:28:29,640 --> 00:28:31,960 Speaker 1: because the people who want to do and take action, 619 00:28:32,080 --> 00:28:35,080 Speaker 1: like they will rise to the top, you know. And 620 00:28:35,119 --> 00:28:40,040 Speaker 1: it's that inertia that is killing so so many people. Yeah, 621 00:28:40,080 --> 00:28:41,600 Speaker 1: And I feel like as much as we want to, 622 00:28:41,800 --> 00:28:43,160 Speaker 1: I don't know if you guys have this too, but 623 00:28:43,200 --> 00:28:45,880 Speaker 1: I just want to like fix people's inertia. Like you 624 00:28:45,920 --> 00:28:47,920 Speaker 1: can do it and like motivate, but you can't. You 625 00:28:47,960 --> 00:28:50,800 Speaker 1: can't save or like push everyone. They kind of have 626 00:28:50,920 --> 00:28:55,640 Speaker 1: to reach whatever rock bottom or whatever you know, moment 627 00:28:55,800 --> 00:28:56,280 Speaker 1: in time. 628 00:28:56,760 --> 00:29:00,720 Speaker 2: As a treative entrepreneur, that is really what what inspires me. 629 00:29:01,240 --> 00:29:04,360 Speaker 2: It's how to move the people to your point in 630 00:29:04,440 --> 00:29:06,600 Speaker 2: terms of inertia, It's like, how do I move them? 631 00:29:06,680 --> 00:29:09,720 Speaker 2: How do I get them to care more today than 632 00:29:09,760 --> 00:29:11,800 Speaker 2: they did yesterday? And I think one of the things 633 00:29:11,800 --> 00:29:14,800 Speaker 2: that we try to do is actually to lead less 634 00:29:15,240 --> 00:29:18,400 Speaker 2: with education. I think there's still not enough, but I 635 00:29:18,400 --> 00:29:22,640 Speaker 2: think more often than not, people are trying to lead 636 00:29:22,760 --> 00:29:26,360 Speaker 2: with education under the assumption that they're not doing these 637 00:29:26,360 --> 00:29:28,840 Speaker 2: things because they don't know better. And I think the 638 00:29:28,880 --> 00:29:31,240 Speaker 2: reality is there's significant percentage of people who actually do 639 00:29:31,360 --> 00:29:34,720 Speaker 2: know better, but they're simply choosing to do otherwise. And 640 00:29:34,760 --> 00:29:37,640 Speaker 2: so for us, as frustrating as it can be, that 641 00:29:37,800 --> 00:29:40,560 Speaker 2: is the creative challenge is how do we inspire them? 642 00:29:40,600 --> 00:29:42,240 Speaker 2: How do we move them? How do we get their attention? 643 00:29:42,680 --> 00:29:46,240 Speaker 2: How do we break into the spaces where they are 644 00:29:46,280 --> 00:29:49,160 Speaker 2: paying attention and help them understand why this particular message 645 00:29:49,240 --> 00:29:52,840 Speaker 2: or these tactics are applicable to them? And so we do. 646 00:29:52,880 --> 00:29:54,520 Speaker 2: One of the things that we live by is really 647 00:29:54,560 --> 00:29:57,160 Speaker 2: aiming for the heart and not the head, and so 648 00:29:57,280 --> 00:29:59,600 Speaker 2: you're not going to get a lot of stats and data. 649 00:29:59,640 --> 00:30:01,280 Speaker 2: While we we have those things that we're ready to 650 00:30:01,360 --> 00:30:03,959 Speaker 2: shoot them out, but I'm much more interested in helping 651 00:30:04,000 --> 00:30:08,400 Speaker 2: people think about the fact that their parents may be aging, 652 00:30:09,040 --> 00:30:11,200 Speaker 2: and whether or not they want to spend a lot 653 00:30:11,200 --> 00:30:14,200 Speaker 2: of time being with their parents without having to ask 654 00:30:14,320 --> 00:30:17,200 Speaker 2: someone for some time off, or whether or not they 655 00:30:17,360 --> 00:30:20,800 Speaker 2: want the opportunity to really nurture a relationship between their 656 00:30:20,840 --> 00:30:23,959 Speaker 2: aging parents and their children and give them an opportunity 657 00:30:23,960 --> 00:30:26,760 Speaker 2: to be grandparents in a way that maybe your grandparents 658 00:30:26,840 --> 00:30:29,600 Speaker 2: didn't have to be to you, or to recognize what's 659 00:30:29,640 --> 00:30:33,280 Speaker 2: happening in the larger landscape in terms of gosh, women's 660 00:30:33,360 --> 00:30:36,920 Speaker 2: rights or you know, wealth and equality, and say, you know, 661 00:30:37,040 --> 00:30:40,040 Speaker 2: your skill set as a product designer could be so 662 00:30:40,200 --> 00:30:44,920 Speaker 2: useful for this nonprofit organization, or your public speaking skills 663 00:30:45,240 --> 00:30:47,160 Speaker 2: you know that you're using right now to motivate the 664 00:30:47,200 --> 00:30:50,680 Speaker 2: call center. Imagine if you applied that to you know, 665 00:30:50,720 --> 00:30:52,120 Speaker 2: I'm not going to say eah your way, but a 666 00:30:52,200 --> 00:30:56,880 Speaker 2: different a different part of the world of your local 667 00:30:56,920 --> 00:31:00,760 Speaker 2: community where impact may not necessarily be the find by 668 00:31:01,240 --> 00:31:03,719 Speaker 2: you know, clicks on a website or dollars that are 669 00:31:03,760 --> 00:31:06,480 Speaker 2: made and so for us, that's really what drives us 670 00:31:06,600 --> 00:31:09,479 Speaker 2: is to just help people connect those dots between wealth 671 00:31:09,520 --> 00:31:12,840 Speaker 2: and like sort of broader social and cultural causes. 672 00:31:14,080 --> 00:31:16,880 Speaker 1: Yeah, something earlier that you guys touched on and even 673 00:31:16,960 --> 00:31:21,600 Speaker 1: just now is that multi generational support, supporting family, supporting 674 00:31:21,720 --> 00:31:24,800 Speaker 1: aging parents, and for black and brown families, it's just 675 00:31:24,840 --> 00:31:26,120 Speaker 1: more likely that we are going to be in a 676 00:31:26,160 --> 00:31:29,240 Speaker 1: position where we need and it takes a village, and 677 00:31:29,280 --> 00:31:32,600 Speaker 1: we need to support and uplift some family members. And 678 00:31:32,640 --> 00:31:35,360 Speaker 1: we got a question to we do a Friday episode 679 00:31:35,400 --> 00:31:36,640 Speaker 1: be a Q and A, And we got a question 680 00:31:36,720 --> 00:31:38,440 Speaker 1: from a listener that got lots and lots of comments 681 00:31:38,440 --> 00:31:41,880 Speaker 1: on IG about just that it was basically a partner 682 00:31:41,920 --> 00:31:45,200 Speaker 1: who was upset or questioning whether or not she should 683 00:31:45,200 --> 00:31:48,600 Speaker 1: continue to allow her partner to subsidize his mother's income. 684 00:31:49,200 --> 00:31:51,440 Speaker 1: And it sounds like you guys are in that situation. 685 00:31:51,520 --> 00:31:54,400 Speaker 1: So can you talk a little bit about what helped 686 00:31:54,440 --> 00:31:58,400 Speaker 1: you guys have that conversation and kind of approach your 687 00:31:58,480 --> 00:32:00,280 Speaker 1: I mean, you have your family unit, right, but what 688 00:32:00,320 --> 00:32:03,560 Speaker 1: happens when you have family beyond your little unit who 689 00:32:03,560 --> 00:32:06,040 Speaker 1: may need support and as a couple, any any advice 690 00:32:06,120 --> 00:32:08,120 Speaker 1: for couples who were in that situation on how they 691 00:32:08,120 --> 00:32:10,480 Speaker 1: can approach it and think about it so that you 692 00:32:10,520 --> 00:32:12,960 Speaker 1: can kind of get to some kind of compromise and 693 00:32:13,000 --> 00:32:14,200 Speaker 1: it's not so contentious. 694 00:32:16,520 --> 00:32:19,680 Speaker 2: You know, it's a work in progress. It's something that 695 00:32:20,000 --> 00:32:22,480 Speaker 2: you know, started with me because my mom is the 696 00:32:22,480 --> 00:32:24,400 Speaker 2: one that we're from them, that we're supporting that were 697 00:32:24,440 --> 00:32:28,520 Speaker 2: financially supporting. I saw it coming. And for me, even 698 00:32:28,600 --> 00:32:31,200 Speaker 2: as as when I was working my traditional job, that 699 00:32:31,360 --> 00:32:34,760 Speaker 2: was in part what motivated me to always push for 700 00:32:34,840 --> 00:32:36,760 Speaker 2: that job because I knew not only did I just 701 00:32:36,800 --> 00:32:38,600 Speaker 2: want to make more, because I wanted a better quality 702 00:32:38,600 --> 00:32:42,080 Speaker 2: of life. I could see, you know, in sense the 703 00:32:42,120 --> 00:32:45,480 Speaker 2: bank accounts sort of dwindling on her side, and so 704 00:32:45,520 --> 00:32:47,120 Speaker 2: I knew that at any point I was going to 705 00:32:47,160 --> 00:32:48,800 Speaker 2: have to step in. And so it really mattered to 706 00:32:48,800 --> 00:32:50,920 Speaker 2: me when I didn't get a job that I felt 707 00:32:50,920 --> 00:32:52,760 Speaker 2: that I was qualified for it, because I was like, nah, 708 00:32:52,800 --> 00:32:54,920 Speaker 2: this is you know, the stakes are a lot higher 709 00:32:54,960 --> 00:32:58,240 Speaker 2: for me. And so there was that, and even when 710 00:32:58,240 --> 00:33:00,200 Speaker 2: we met for the first time, it was some then 711 00:33:00,200 --> 00:33:03,480 Speaker 2: that came up. We sort of, you know, our first 712 00:33:03,480 --> 00:33:06,480 Speaker 2: conversation about money actually led to our first argument but 713 00:33:07,040 --> 00:33:10,680 Speaker 2: that was part of the baggage, you know, looking back, 714 00:33:10,720 --> 00:33:12,719 Speaker 2: that was part of the baggage that I was carrying, right, 715 00:33:12,760 --> 00:33:15,040 Speaker 2: part of the reasons why I was so tight with money, 716 00:33:15,040 --> 00:33:17,760 Speaker 2: because there were all of these these these sources of 717 00:33:17,800 --> 00:33:20,040 Speaker 2: tension that I was thinking about, not only just growing 718 00:33:20,120 --> 00:33:23,560 Speaker 2: up in poverty in New York, but also knowing that, like, gosh, 719 00:33:23,640 --> 00:33:24,920 Speaker 2: you know, if we're going to go out and ball 720 00:33:25,000 --> 00:33:27,680 Speaker 2: out tonight, I'm going to feel really bad if I 721 00:33:27,680 --> 00:33:29,959 Speaker 2: get the phone call from my mom tomorrow knowing that 722 00:33:30,000 --> 00:33:32,400 Speaker 2: she needed two hundred or three hundred dollars for something. 723 00:33:32,760 --> 00:33:35,440 Speaker 2: And so all of those little things sort of factored 724 00:33:35,440 --> 00:33:37,480 Speaker 2: into the way that I managed my career. It bled 725 00:33:37,520 --> 00:33:41,000 Speaker 2: into how we managed our relationship, and so it really 726 00:33:41,040 --> 00:33:46,720 Speaker 2: just started with having conversations. One having sick conversations with myself. Two, 727 00:33:46,840 --> 00:33:51,200 Speaker 2: finding the courage to talk about money to my mom, 728 00:33:51,280 --> 00:33:54,920 Speaker 2: who was an elder and also has to overcome, you know, 729 00:33:55,000 --> 00:33:58,480 Speaker 2: sort of these generational differences, like teaching her that it's 730 00:33:58,480 --> 00:34:01,680 Speaker 2: okay to be vulner to share these things, to admit 731 00:34:01,720 --> 00:34:05,000 Speaker 2: that you're struggling, don't wait until the last second. You 732 00:34:05,080 --> 00:34:07,360 Speaker 2: know that it doesn't matter what happens. We're going to 733 00:34:07,400 --> 00:34:09,120 Speaker 2: be here to support you. And oh, by the way, 734 00:34:09,280 --> 00:34:11,920 Speaker 2: by we, I mean me and my wife. And so 735 00:34:11,960 --> 00:34:14,120 Speaker 2: you don't just have to tell me. You can tell 736 00:34:14,160 --> 00:34:16,400 Speaker 2: either one of us if I'm not there. So it 737 00:34:16,480 --> 00:34:19,880 Speaker 2: took it, honestly, like it took seven years just to 738 00:34:19,920 --> 00:34:24,319 Speaker 2: get her comfortable with realizing that we're a team and 739 00:34:25,200 --> 00:34:29,239 Speaker 2: you're going to be taking yes, yes, to get her 740 00:34:29,320 --> 00:34:34,280 Speaker 2: on board. But yeah, like it was just slowly peeling away. 741 00:34:34,560 --> 00:34:38,520 Speaker 2: And even after we made progress, we realize that, you know, 742 00:34:38,680 --> 00:34:40,920 Speaker 2: she goes back into her own world, and so we 743 00:34:41,000 --> 00:34:44,120 Speaker 2: have to invite her back into this world where we're 744 00:34:44,160 --> 00:34:46,680 Speaker 2: a team. You know, she's not really accustomed to a 745 00:34:46,840 --> 00:34:50,200 Speaker 2: village support and so it's it's it's been interesting, but 746 00:34:50,239 --> 00:34:54,080 Speaker 2: I'm grateful, you know, Caresten's on board and it's been 747 00:34:54,120 --> 00:34:56,880 Speaker 2: it's been helpful. But we got to keep talking and 748 00:34:57,239 --> 00:34:59,640 Speaker 2: try to make talking about it fun or funny because 749 00:34:59,680 --> 00:35:02,000 Speaker 2: I've that that helps a lot too, and mention it to. 750 00:35:02,000 --> 00:35:05,520 Speaker 1: You you'll amount, Oh, sorry. 751 00:35:04,760 --> 00:35:06,080 Speaker 4: No, I was just going to say, mention it to 752 00:35:06,120 --> 00:35:08,800 Speaker 4: your friends, like it is something that I think according 753 00:35:08,800 --> 00:35:11,800 Speaker 4: to the data, forty eight percent of Americans over forty 754 00:35:11,840 --> 00:35:15,160 Speaker 4: are dealing with and so You're likely not alone if 755 00:35:15,440 --> 00:35:17,960 Speaker 4: you are feeling the pressure or your spouse is feeling 756 00:35:17,960 --> 00:35:21,000 Speaker 4: the pressure and you're not aligned on what the approach 757 00:35:21,000 --> 00:35:23,360 Speaker 4: should be. It's something that we're all going through. And 758 00:35:23,400 --> 00:35:27,080 Speaker 4: this is the consequence of companies not thinking about retirement. 759 00:35:27,120 --> 00:35:31,800 Speaker 4: They kind of pass that responsibility onto the employee after 760 00:35:31,840 --> 00:35:35,080 Speaker 4: they got rid of pensions, and so messages like saving 761 00:35:35,160 --> 00:35:37,680 Speaker 4: and all of it, Like, you're going to experience a 762 00:35:37,719 --> 00:35:41,239 Speaker 4: generation that didn't necessarily do what they were supposed to 763 00:35:41,239 --> 00:35:44,520 Speaker 4: do because their parents were taking care of in their retirements. 764 00:35:44,560 --> 00:35:47,040 Speaker 4: And so it's something that we're all collectively as a 765 00:35:47,080 --> 00:35:50,080 Speaker 4: society going to deal with. In some circles has already 766 00:35:50,080 --> 00:35:52,319 Speaker 4: been called a crisis, and others it's just kind of 767 00:35:52,360 --> 00:35:56,520 Speaker 4: like this weird social dynamic that we're managing as individual families. 768 00:35:56,560 --> 00:35:58,759 Speaker 4: But I'd encourage people to talk about it. 769 00:36:00,239 --> 00:36:03,400 Speaker 1: Yeah, And I think it's you said you saw it coming, Julian, 770 00:36:03,480 --> 00:36:05,640 Speaker 1: and I think some of us out you know, you 771 00:36:05,719 --> 00:36:07,719 Speaker 1: may see it coming in your own quiet way. And 772 00:36:07,760 --> 00:36:09,600 Speaker 1: maybe you're the spouse, and I feel like if you're 773 00:36:09,640 --> 00:36:13,680 Speaker 1: the if you're the actual daughter or son or you know, child, 774 00:36:14,239 --> 00:36:16,200 Speaker 1: it may be harder for you to see your parents 775 00:36:16,239 --> 00:36:18,120 Speaker 1: in that vulnerable position. Sometimes it's like the out the 776 00:36:18,440 --> 00:36:21,000 Speaker 1: other spouse, who can kind of who maybe sees it coming? 777 00:36:21,040 --> 00:36:23,719 Speaker 1: And how do you even broach that subject? Like are 778 00:36:23,719 --> 00:36:26,840 Speaker 1: we going to talk about this? You know, Grandpa seems 779 00:36:26,840 --> 00:36:29,680 Speaker 1: a little unhealthy. What's going to happen if grandma's alone? 780 00:36:29,719 --> 00:36:32,040 Speaker 1: And what are we going to do? Like my husband 781 00:36:32,080 --> 00:36:34,440 Speaker 1: and I, I know I'm stuck in New York. I 782 00:36:34,480 --> 00:36:36,880 Speaker 1: want to go back to Georgia for Stacy Abrams and 783 00:36:36,880 --> 00:36:40,840 Speaker 1: other reasons. But you know his parents are here, and 784 00:36:41,040 --> 00:36:44,200 Speaker 1: you know they are They are similar to your mom, Julian, 785 00:36:44,360 --> 00:36:47,560 Speaker 1: just on a fixed income right now, and it is nothing, nothing, nothing, nothing. 786 00:36:47,560 --> 00:36:49,800 Speaker 1: It's crazy, right, work really hard and you got nothing 787 00:36:50,200 --> 00:36:52,400 Speaker 1: and we're just starting to have that conversation. So did 788 00:36:52,480 --> 00:36:54,960 Speaker 1: y'all kind of create here's how much she needs her 789 00:36:55,040 --> 00:36:57,440 Speaker 1: so much more comfortable as a stipend each month or 790 00:36:57,480 --> 00:36:59,840 Speaker 1: as a you know, contribution on a monthly. 791 00:37:00,680 --> 00:37:04,000 Speaker 2: Yeah, it was. It was a pretty all hands on 792 00:37:04,080 --> 00:37:08,880 Speaker 2: deck situation, just getting all the documents in order, creating 793 00:37:08,920 --> 00:37:11,360 Speaker 2: a formal budget for her for the very first time, 794 00:37:11,480 --> 00:37:15,279 Speaker 2: putting her basically on a spending plan, helping her even 795 00:37:15,520 --> 00:37:15,879 Speaker 2: as you. 796 00:37:15,880 --> 00:37:22,800 Speaker 6: Went all the way everything, giving her a general timeline 797 00:37:22,840 --> 00:37:24,560 Speaker 6: in terms of this is how many years you have 798 00:37:24,719 --> 00:37:29,080 Speaker 6: reevaluating her investment strategy because she had a financial advisor 799 00:37:29,120 --> 00:37:30,880 Speaker 6: that you know, again she had pennies in there, so 800 00:37:30,920 --> 00:37:32,239 Speaker 6: he wasn't really looking. 801 00:37:31,960 --> 00:37:36,920 Speaker 2: At, you know, her account with any sense of real care, 802 00:37:37,320 --> 00:37:39,440 Speaker 2: and so looking at that stuff and say, you're seventy 803 00:37:39,520 --> 00:37:41,200 Speaker 2: years old, there's no real reason for you to be 804 00:37:41,560 --> 00:37:43,720 Speaker 2: invested in these kinds of things. You should be drawing 805 00:37:43,760 --> 00:37:46,120 Speaker 2: down and so, you know, just helping her get to 806 00:37:46,160 --> 00:37:49,920 Speaker 2: that point was really really helpful, and even taking the 807 00:37:49,960 --> 00:37:52,040 Speaker 2: step further, which was the big one, and helping her 808 00:37:52,080 --> 00:37:55,680 Speaker 2: realize that a significant percentage of the world that she 809 00:37:55,760 --> 00:37:59,839 Speaker 2: had amass was all in her home, which she really 810 00:38:00,000 --> 00:38:04,120 Speaker 2: couldn't necessarily access and so and really afford right, and 811 00:38:04,200 --> 00:38:06,840 Speaker 2: so getting her to a point where she felt like 812 00:38:07,120 --> 00:38:09,640 Speaker 2: selling the home was actually the best thing for her, 813 00:38:09,680 --> 00:38:12,400 Speaker 2: so that she could downsize have more cash that she 814 00:38:12,400 --> 00:38:15,480 Speaker 2: could actually use to do other things travel see her 815 00:38:15,520 --> 00:38:17,719 Speaker 2: friends cover for her medicine. Like it was the first 816 00:38:17,719 --> 00:38:21,440 Speaker 2: time anyone I think it ever really intervened on that level. 817 00:38:21,440 --> 00:38:24,480 Speaker 2: Because she's also single and all of these other reasons. 818 00:38:24,480 --> 00:38:27,120 Speaker 2: She was not a college graduate, and so it was 819 00:38:27,160 --> 00:38:29,640 Speaker 2: it was I felt more than anything proud that we 820 00:38:29,640 --> 00:38:33,080 Speaker 2: were able to actually help and even now like proud 821 00:38:33,080 --> 00:38:35,120 Speaker 2: that we're able to give her a quality of life. 822 00:38:35,120 --> 00:38:38,520 Speaker 2: We wound her, you know, less than half a mile 823 00:38:38,600 --> 00:38:40,640 Speaker 2: away from where we are now, so she can see. 824 00:38:40,719 --> 00:38:42,719 Speaker 1: She's down in atl you're from. She was she in 825 00:38:42,719 --> 00:38:43,719 Speaker 1: New York before. 826 00:38:43,920 --> 00:38:47,480 Speaker 4: No, she was in she was another suburb, suburb of Atlanta, 827 00:38:47,960 --> 00:38:52,160 Speaker 4: but she was living in senior housing, which was subsidized 828 00:38:52,160 --> 00:38:53,680 Speaker 4: by the government, which is how she was able to 829 00:38:53,719 --> 00:38:56,759 Speaker 4: afford it. But when COVID hit, they obviously canceled all 830 00:38:56,800 --> 00:38:59,680 Speaker 4: of the interactions between seniors, so a lot of the 831 00:39:00,320 --> 00:39:03,000 Speaker 4: she had moved there for weren't available. And then seeing 832 00:39:03,080 --> 00:39:05,440 Speaker 4: you know, ambulances every week was just doing a number 833 00:39:05,520 --> 00:39:06,480 Speaker 4: on her mental health. 834 00:39:06,920 --> 00:39:09,560 Speaker 3: And so we realized, yeah, we realized it. 835 00:39:09,680 --> 00:39:12,319 Speaker 4: Probably it's either not the right senior community for her, 836 00:39:12,360 --> 00:39:14,239 Speaker 4: she needs something a little more active, she's you know, 837 00:39:14,280 --> 00:39:18,359 Speaker 4: a little spicy, or she wasn't ready for senior housing yet. 838 00:39:18,400 --> 00:39:19,720 Speaker 3: And so we started. 839 00:39:19,800 --> 00:39:22,800 Speaker 4: We moved her to a standard apartment, which is obviously 840 00:39:22,840 --> 00:39:25,200 Speaker 4: not subsidized by the government, and in the neighborhood that 841 00:39:25,200 --> 00:39:29,439 Speaker 4: we live in expensive it's a luxury apartment that has 842 00:39:29,480 --> 00:39:32,480 Speaker 4: the amenities she needed, like an elevator and covered parking 843 00:39:32,600 --> 00:39:36,279 Speaker 4: and access to a grocery store within walking distance. And 844 00:39:36,320 --> 00:39:39,000 Speaker 4: so yeah, that decision. Going back to your point about 845 00:39:39,040 --> 00:39:42,759 Speaker 4: a monthly stipend, our stipend has increased over time. We 846 00:39:42,880 --> 00:39:45,960 Speaker 4: now spend about fifteen hundred dollars a month on just 847 00:39:46,000 --> 00:39:48,840 Speaker 4: making sure that she's comfortable. And I don't know that 848 00:39:48,920 --> 00:39:51,600 Speaker 4: it won't increase again. Her rent just went up again 849 00:39:51,800 --> 00:39:55,040 Speaker 4: like everybody else's this year, and so we'll see how 850 00:39:55,040 --> 00:39:57,160 Speaker 4: it progresses and what decisions we need to make. But 851 00:39:57,200 --> 00:39:59,480 Speaker 4: we treated the same way we would if we had 852 00:39:59,480 --> 00:40:02,560 Speaker 4: had a second child and needed childcare. Where it's just 853 00:40:03,040 --> 00:40:06,960 Speaker 4: it's a responsibility. You figure out how to cover it. 854 00:40:07,120 --> 00:40:11,040 Speaker 4: You get creative, and you find community that offers resources 855 00:40:11,080 --> 00:40:13,439 Speaker 4: and solutions that you might not have thought of because 856 00:40:13,440 --> 00:40:14,440 Speaker 4: they've already been through it. 857 00:40:15,840 --> 00:40:17,720 Speaker 1: I mean, I look to you guys with such respect 858 00:40:17,760 --> 00:40:20,040 Speaker 1: and also as like goals because to be able to 859 00:40:20,080 --> 00:40:24,160 Speaker 1: support our parents and we have a young son too, 860 00:40:24,480 --> 00:40:28,120 Speaker 1: and just feel like everyone's good. That seems like a 861 00:40:28,360 --> 00:40:31,719 Speaker 1: beautiful place to be in. And I mean it's pressure, right, 862 00:40:31,880 --> 00:40:34,319 Speaker 1: it's pressure, and you got to keep those gears going 863 00:40:34,360 --> 00:40:36,239 Speaker 1: and keep the business going and all that. So I 864 00:40:36,960 --> 00:40:39,120 Speaker 1: just I see you acknowledge that pressure, but I also 865 00:40:39,160 --> 00:40:42,000 Speaker 1: am just I applaud you for that. It's thank you 866 00:40:42,120 --> 00:40:42,800 Speaker 1: to be really proud of. 867 00:40:42,920 --> 00:40:45,200 Speaker 2: I appreciate the realistic applause. 868 00:40:47,680 --> 00:40:51,280 Speaker 1: I know y'all tired, because, like you know, I don't. 869 00:40:51,120 --> 00:40:53,440 Speaker 2: Know that that tension ever really goes away. But at 870 00:40:53,480 --> 00:40:55,600 Speaker 2: the end of the day, you know, they're getting older. 871 00:40:55,760 --> 00:40:58,279 Speaker 2: And so as I think about how I would want 872 00:40:58,320 --> 00:41:01,400 Speaker 2: to spend this last chapter, like knowing that she's nearby, 873 00:41:01,640 --> 00:41:04,279 Speaker 2: knowing that we can on any day be able to 874 00:41:04,680 --> 00:41:07,560 Speaker 2: be there for her, and knowing that you know, our son, 875 00:41:07,719 --> 00:41:10,560 Speaker 2: who you know will be five next month, has the 876 00:41:10,640 --> 00:41:14,120 Speaker 2: type of relationship with his grandparents that we just never had. 877 00:41:15,160 --> 00:41:18,919 Speaker 2: Is really powerful. And so you know, I remember having 878 00:41:18,920 --> 00:41:21,919 Speaker 2: a conversation with someone about what to do with the money, 879 00:41:21,920 --> 00:41:24,400 Speaker 2: because I'll be I'll be completely honest. At first, I 880 00:41:24,520 --> 00:41:27,000 Speaker 2: was hesitant. Kirsten was the one that was really much 881 00:41:27,040 --> 00:41:31,439 Speaker 2: more willing to take this approach. I was much more 882 00:41:31,520 --> 00:41:34,200 Speaker 2: mindful of what else we could do with that money, 883 00:41:34,280 --> 00:41:36,279 Speaker 2: right I was looking at it from an investing standpoint, 884 00:41:36,920 --> 00:41:38,319 Speaker 2: But looking back, I think it is one of the 885 00:41:38,320 --> 00:41:42,000 Speaker 2: best decisions we've ever made. And so you know, and 886 00:41:42,040 --> 00:41:44,880 Speaker 2: again it's part of the tension, right you don't you 887 00:41:44,880 --> 00:41:47,640 Speaker 2: don't you know, you pay attention to what that money 888 00:41:47,680 --> 00:41:49,319 Speaker 2: could do, but at the end of the day, there's 889 00:41:49,360 --> 00:41:52,120 Speaker 2: some things you just can't put a price on. And 890 00:41:52,560 --> 00:41:54,399 Speaker 2: you know, we've got a lot of memories, a lot 891 00:41:54,400 --> 00:41:56,560 Speaker 2: of memories, and that's that's that's awesome. 892 00:41:57,360 --> 00:41:59,000 Speaker 1: She got you in the heart, just like you said, 893 00:41:59,480 --> 00:42:01,560 Speaker 1: got it you to think about your heart. It's why 894 00:42:01,560 --> 00:42:05,600 Speaker 1: they call it personal finance, right, you're right. Yeah, people 895 00:42:05,600 --> 00:42:08,120 Speaker 1: obsessed too much about try and do things the right way. 896 00:42:08,280 --> 00:42:11,720 Speaker 1: On paper, you know, giving fifteen hundred dollars away sounds 897 00:42:11,760 --> 00:42:13,560 Speaker 1: like not the best strategy, but when you see what 898 00:42:13,560 --> 00:42:16,080 Speaker 1: you get in return, yeah, absolutely, it makes perfect sense. 899 00:42:16,560 --> 00:42:18,120 Speaker 1: That's why I think it's so important for people like 900 00:42:18,200 --> 00:42:20,840 Speaker 1: y'all and even myself to be doing this work because 901 00:42:20,880 --> 00:42:24,600 Speaker 1: we come with that perspective of understanding, yeah, that it's 902 00:42:24,600 --> 00:42:27,080 Speaker 1: not just about dollars and cents and like what's on 903 00:42:27,120 --> 00:42:29,040 Speaker 1: a calculator at the end of the day, exactly. 904 00:42:29,200 --> 00:42:31,719 Speaker 4: Yeah, I mean people that is not forever, like unless she 905 00:42:31,800 --> 00:42:34,279 Speaker 4: lives to be seven hundred like a sea turtle like there. 906 00:42:34,160 --> 00:42:36,520 Speaker 1: Will be terrible to think that, but it's true, Like 907 00:42:37,640 --> 00:42:40,520 Speaker 1: you know, like this is oh, she's not listening right. 908 00:42:41,040 --> 00:42:46,280 Speaker 4: Knock on wood, obviously wishing her along prosperous life, but again, 909 00:42:46,400 --> 00:42:49,600 Speaker 4: thinking of you, of your life and seasons, thinking about 910 00:42:49,600 --> 00:42:52,960 Speaker 4: your financial situation in seasons has been more beneficial for 911 00:42:53,040 --> 00:42:57,480 Speaker 4: me than creating this plan that I apply pressure to 912 00:42:57,560 --> 00:43:00,520 Speaker 4: stick to. And I don't pivot ever, you know, I 913 00:43:00,520 --> 00:43:05,560 Speaker 4: don't consider the variables to change course not ideal, particularly 914 00:43:05,640 --> 00:43:07,320 Speaker 4: for people of color and women of color. 915 00:43:08,640 --> 00:43:10,640 Speaker 1: Can I ask y'all really quickly? I know we are 916 00:43:10,760 --> 00:43:12,799 Speaker 1: approaching the end, but we get this question all the time, 917 00:43:12,840 --> 00:43:14,840 Speaker 1: and I know everyone's approach is a little bit different. 918 00:43:14,880 --> 00:43:17,719 Speaker 1: But when it comes to your son and investing and 919 00:43:17,760 --> 00:43:20,520 Speaker 1: saving for him, what's do you have a strategy there 920 00:43:20,600 --> 00:43:22,000 Speaker 1: or kind of a path that you're on right now 921 00:43:22,040 --> 00:43:25,719 Speaker 1: for this season as a five year old? For him, I. 922 00:43:25,680 --> 00:43:29,359 Speaker 2: Look forward to employing him this year. I think he 923 00:43:29,440 --> 00:43:33,120 Speaker 2: deserves it. We certainly post enough pictures and reels of 924 00:43:33,200 --> 00:43:35,040 Speaker 2: him on Instagram for him to be a really key 925 00:43:35,160 --> 00:43:38,200 Speaker 2: model at this point. And so there's that we have 926 00:43:38,239 --> 00:43:40,799 Speaker 2: our five to two nine account. But yeah, I think 927 00:43:40,840 --> 00:43:43,960 Speaker 2: more than anything. I'm genuinely looking forward to, you know, 928 00:43:44,000 --> 00:43:48,560 Speaker 2: opening a custodial ira this year and paying him off 929 00:43:48,600 --> 00:43:51,160 Speaker 2: of you know, the payroll of the business and being 930 00:43:51,200 --> 00:43:54,480 Speaker 2: able to help him build wealth because again, you know, 931 00:43:54,520 --> 00:43:56,880 Speaker 2: I didn't start earning money until I was fifteen or 932 00:43:56,960 --> 00:43:59,239 Speaker 2: sixteen years old, and I was like fifty dollars a 933 00:43:59,280 --> 00:44:01,399 Speaker 2: week or something like that. And so to be able 934 00:44:01,440 --> 00:44:03,600 Speaker 2: to give him a head start, I think is is 935 00:44:03,640 --> 00:44:07,720 Speaker 2: really powerful. And again, like that combined with the type 936 00:44:07,719 --> 00:44:10,920 Speaker 2: of perspective that he will have on family or even 937 00:44:11,080 --> 00:44:15,200 Speaker 2: just parents, like having active parents that are able to 938 00:44:15,239 --> 00:44:18,239 Speaker 2: bring him on business chips with him. Like, I think 939 00:44:18,520 --> 00:44:21,480 Speaker 2: his upbringing and his perspective on the world will be 940 00:44:21,520 --> 00:44:24,239 Speaker 2: so different, and it won't just be because he has 941 00:44:24,320 --> 00:44:27,360 Speaker 2: a pot of money that's been working or growing in 942 00:44:27,400 --> 00:44:31,440 Speaker 2: the background. It'll be all of those things combined so that. 943 00:44:31,440 --> 00:44:34,120 Speaker 1: You seem a different way to be successful than like 944 00:44:34,160 --> 00:44:36,799 Speaker 1: our traditional dad goes to work from nine to five, 945 00:44:36,840 --> 00:44:39,080 Speaker 1: I see him before bedtime kind of thing. 946 00:44:39,440 --> 00:44:43,920 Speaker 2: Yes, yes, yes, yeah, Well. 947 00:44:43,719 --> 00:44:45,840 Speaker 1: Thank y'all so much. Wait, Kristen, were you going to 948 00:44:45,880 --> 00:44:48,600 Speaker 1: se Kristen, were you going to say something. 949 00:44:48,480 --> 00:44:50,200 Speaker 3: On the point, But I think we landed it. 950 00:44:50,280 --> 00:44:54,160 Speaker 1: So stuck the landing. I love it. Thank y'all so 951 00:44:54,160 --> 00:44:56,360 Speaker 1: so much for joining Broad Ambition. It's been such a 952 00:44:56,360 --> 00:45:00,480 Speaker 1: delightful conversation. I can't say enough. Congratulations again. In on 953 00:45:00,560 --> 00:45:03,040 Speaker 1: the new book, y'all go out and buy it. Is 954 00:45:03,080 --> 00:45:04,719 Speaker 1: it out yet? Is it when? It publishing? 955 00:45:05,000 --> 00:45:05,800 Speaker 3: June fourteenth? 956 00:45:06,680 --> 00:45:08,400 Speaker 1: June fourteenth, Okay, y'all got some time, but you can 957 00:45:08,440 --> 00:45:09,319 Speaker 1: probably pre order it right. 958 00:45:09,400 --> 00:45:15,880 Speaker 4: We'll put order audiobooka hardcover, kindle ebook, any types of 959 00:45:15,920 --> 00:45:16,839 Speaker 4: forms you can pre order. 960 00:45:17,160 --> 00:45:20,080 Speaker 1: Buy copies for your friends, your friends, friends, your mama, 961 00:45:20,160 --> 00:45:22,879 Speaker 1: your daddy, whatever. Cashing out Win the Wealth Game by 962 00:45:23,000 --> 00:45:27,319 Speaker 1: Walking Away by Julian and Kirsten Saunders, the founders of 963 00:45:27,400 --> 00:45:30,319 Speaker 1: Rich and Regular and go check out their podcast, Go 964 00:45:30,440 --> 00:45:34,080 Speaker 1: check out their YouTube series and their ig at the 965 00:45:34,239 --> 00:45:37,240 Speaker 1: It's called at the Table, Money on the Table, Money 966 00:45:37,239 --> 00:45:38,920 Speaker 1: on the Table, something by the Table. I got it 967 00:45:39,400 --> 00:45:43,200 Speaker 1: all right. Can't thank y'all enough for joining brown Envision. 968 00:45:43,239 --> 00:45:46,120 Speaker 1: Thank y'all, take take care, Thank you, thank you so much,