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Speaker 1: Hey ba fam Mandy here, I am solo this week.

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Speaker 1: Tiffany left me. Y'all. No, in all seriousness, Tiffany got

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Speaker 1: an extraordinary opportunity and we love those here. I mean,

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Speaker 1: we don't call it Brown Ambition for nothing. So Tiffany

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Speaker 1: is off doing her thing this week, and I have

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Speaker 1: been saved by the one and only stock market slayer herself,

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Speaker 1: Deliane the Money Coach. You guys, I cannot wait for

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Speaker 1: you to meet Delianne. In fact, selfishly, I'm kind of

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Speaker 1: excited about this because with Tiffany being gone this week,

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Speaker 1: it gave me a chance to reach out to delian

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Speaker 1: and connect with her on IG. I just shot my

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Speaker 1: shot and I said, I love your content. I love

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Speaker 1: what you're doing. You're blowing up. I want you to

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Speaker 1: I'm on Brown Ambition and share your story with our audience.

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Speaker 1: And on top of that, it is Hispanic Heritage Month

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Speaker 1: and it really meant a lot to me that we

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Speaker 1: could showcase one of the baddest ass bad asses. I

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Speaker 1: don't know how to say that, one of the best

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Speaker 1: Latinas in the game right now. And the fact that

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Speaker 1: there even is a huge influencer space now for Latina

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Speaker 1: money coaches and money influencers, y'all. It has been a

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Speaker 1: long time coming. I am a huge fan of Delianne.

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Speaker 1: I know you guys will be too when you hear

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Speaker 1: from her. But let me do a quick intro. So

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Speaker 1: if you don't know about Delianne, she is a Latina

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Speaker 1: money expert and ex employment law attorney. Yeah, she was

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Speaker 1: an entire attorney y'all before she pivoted. And she is

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Speaker 1: going to talk about how she just quit her job

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Speaker 1: less than what six months ago, and how she's now

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Speaker 1: on track to retire by age forty five and move

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Speaker 1: to where, of course, to Portugal like everybody else, it seems.

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Speaker 1: Through her business, delian the Money Coach, Delianne has as

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Speaker 1: a goal to show investors that they don't need to

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Speaker 1: wait to become debt free or earn six figures in

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Speaker 1: order to reach financial freedom. Over twenty five hundred students

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Speaker 1: have enrolled in her Sleigh the stock Market course, which

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Speaker 1: you can find at the link in the show notes,

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Speaker 1: and Delian's been featured everywhere CNN, Time Business Insider, all

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Speaker 1: highlighting her work in support of financial literacy, and of

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Speaker 1: course check out the show notes to follow her on

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Speaker 1: Instagram and TikTok under her handle delian the Money Coach.

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Speaker 1: Now let me get out of my own way. Tiffany,

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Speaker 1: we hope you are slaying over in La doing your thing.

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Speaker 1: In the meantime, I'm so excited to introduce you guys

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Speaker 1: to delian So here is our conversation and be sure

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Speaker 1: to come back Friday when we air our BAQ and

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Speaker 1: A episode. Delianne stuck around and she helps me tackle

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Speaker 1: y'all's questions this week. All right, here we go, here's

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Speaker 1: the show. All right, Delianne, thank you, Thank you so

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Speaker 1: much for joining Brown Ambition. Thanks for saving my butt. Honestly,

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Speaker 1: I am honored.

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Speaker 2: You can call me anytime and I'll be here.

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Speaker 1: Just slid into your DMS. Well, listen you are. I mean,

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Speaker 1: we don't. We don't have co hosts that often. We

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Speaker 1: did have a few this past summer. And one of

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Speaker 1: my favorite things about inviting someone to sit in the chair,

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Speaker 1: the virtual chair across from me, is genuinely every story

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Speaker 1: is so unique, and yours is definitely one that I

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Speaker 1: have been following. It feels like for the past year

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Speaker 1: you've just blown up and I'm like, what is she doing?

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Speaker 1: She's got this? You've got this amazing platform. You are

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Speaker 1: empowering Latina women especially to take charge not just of

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Speaker 1: their finances but of the stock market, which is just

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Speaker 1: something that until a couple of years ago, there just

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Speaker 1: wasn't really anybody I feel like representing that space. So

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Speaker 1: thank God, thank Goodness for you and others like you,

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Speaker 1: and thank you for joining Brown Ambition.

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Speaker 2: Of course, thank you for having me. I'm always flattered

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Speaker 2: and I love spreading this idea that things are changing,

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Speaker 2: Like the conversation around money's changing, the people who are

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Speaker 2: talking about it are changing, and I'm like so honored

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Speaker 2: to be part of that movement.

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Speaker 1: Yeah, I mean when you so your background, I mean,

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Speaker 1: first of all, you've got you've had a bunch of

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Speaker 1: different lives, it feels like professionally, but you were an

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Speaker 1: attorney and then you transition from being a badass attorney

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Speaker 1: to an editor for like a legal publication, right, and

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Speaker 1: then you quit entirely and now you are delhi Enbado

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Speaker 1: Slay the stock market, teaching investing courses online. But let's

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Speaker 1: back it up, because I've been reading up on you

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Speaker 1: and I didn't realize you're originally from Brazil. And is

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Speaker 1: it true that you came to the US, and for

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Speaker 1: a long time you were actually undocumented. So tell me

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Speaker 1: about that, tell me about your origin story and sort

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Speaker 1: of how you have gotten to where you are today,

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Speaker 1: because that is such an incredible and unique story that

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Speaker 1: I don't think many people know about you.

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Speaker 2: Yeah, I mean, it's funny because it doesn't seem like

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Speaker 2: that long ago, but I'm like, wow, it's been a lifetime. So, yeah,

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Speaker 2: my father got laid off in Brazil and there aren't

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Speaker 2: that many opportunities where we're from, so he packed us

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Speaker 2: up brought us to the US. I was eight years old,

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Speaker 2: my sister was four, and we moved to Miami and

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Speaker 2: that's pretty much like where I grew up from eight

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Speaker 2: to twenty one. And yeah, we were documented, all of us,

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Speaker 2: So we were pretty much coached by our parents, like

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Speaker 2: stay out of trouble, go to school, you know, like,

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Speaker 2: don't misbehave, don't act out, because we can't bring attention

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Speaker 2: to ourselves, right, Like, every moment could be a risk

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Speaker 2: for one of us being sent back. So growing up

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Speaker 2: with that fear looming over you, it's something that you

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Speaker 2: don't ever really let go of, right, It's something that

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Speaker 2: is still a part of me today, anything having to

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Speaker 2: do with immigration still gets me like sweating, even when

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Speaker 2: I go to the airport and you have to go

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Speaker 2: through immigration. Here, I'm standing here with my American passport,

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Speaker 2: which I've wanted my entire life, and I didn't get

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Speaker 2: till what three four years ago I became a citizen,

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Speaker 2: and I still get like the sweats. So, yeah, we

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Speaker 2: weren't documented because we came over as tourists. We overstayed

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Speaker 2: our visa, you know, not something that was I was

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Speaker 2: consulted about. I was eight years old and I haven't

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Speaker 2: day spoke English.

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Speaker 1: None of you spoke English either, okay.

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Speaker 2: And so we all learned, you know, tray by fire.

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Speaker 2: I was an esaul. I was bullied during school, you know,

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Speaker 2: typical treatments that you get when you're a foreigner, when

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Speaker 2: you're different, right, and when you're growing up in elementary

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Speaker 2: high school, if you're different at all, you're gonna get bullied.

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Speaker 2: So this was part of that. But thankfully I was

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Speaker 2: in Miami. I definitely wasn't the only one, but growing

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Speaker 2: up there was a little claustrophobic. So finally I did

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Speaker 2: get my papers, I did become a resident, and I

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Speaker 2: just immediately enrolled in college, put myself through law school.

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Speaker 2: I paid all my student loan offs last year, which

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Speaker 2: was a who one hundred and fifty thousand dollars.

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Speaker 1: Let's just pause there for a second, because it was

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Speaker 1: a hundred and you're making it sound like, yeah, I

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Speaker 1: just did this, I got my papers. Yeah whatever, just

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Speaker 1: checking the boxes. One hundred and fifty k. Yeah, everyone

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Speaker 1: can do that. Uh huh. Now I'm going to retire

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Speaker 1: in Portugal. But let me slow it down. Okay, law school,

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Speaker 1: why law school? Why was that where? Why was that

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Speaker 1: sort of your your profession of choice? And talk to

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Speaker 1: me about the I mean, this thread of the mental

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Speaker 1: toll of that fear. You know, I don't know if

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Speaker 1: your parents are citizens now or what their status is,

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Speaker 1: but tell me about that fear and how that sort

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Speaker 1: of led you into your decision making when you were

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Speaker 1: when you were figuring out school and your career.

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Speaker 2: Yeah, it was terrifying because and it was also heartbreaking

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Speaker 2: because I saw all my classmates making big plans to

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Speaker 2: go to these colleges. They were getting scholarships, they were

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Speaker 2: getting financial aid. I didn't qualify for any of those things, right,

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Speaker 2: So I'm graduating at the top of my class in

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Speaker 2: high school, and I'm stuck. I'm pretty much frozen. There

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Speaker 2: is no assistance for anybody like me. I would go

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Speaker 2: to the school counselor I would talk to the principal,

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Speaker 2: there's like, there's nothing we can do. So I was

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Speaker 2: basically on my own until I figured out the immigration

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Speaker 2: situation on my own. But once that got resolved, I'm like, Okay,

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Speaker 2: I could start living my life because I literally felt

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Speaker 2: like my life was on pause. And why did I

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Speaker 2: choose law school? Well, it was either that or medical school,

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Speaker 2: because like any other immigrant, I'm like, I have to

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Speaker 2: overcompensate for all of my parents, you know, shortcoming, and

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Speaker 2: so I'm like, which one is it going to be?

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Speaker 2: I always knew I wanted to help people. Math completely

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Speaker 2: terrified me, even though I took calculus. Well whatever, I decided,

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Speaker 2: let's go to law school. No math. And then I

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Speaker 2: was deciding whether I was going to do immigration or

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Speaker 2: employment law. So I did my internship and immigration and

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Speaker 2: I tested that out, and I don't know, maybe it

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Speaker 2: was a little too close to home. It was just

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Speaker 2: too emotional for me. But I'm like, how can I

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Speaker 2: still help this population through another way? And so I

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Speaker 2: chose employment law and I did plain of side employment law.

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Speaker 2: So I represented employees in discrimination cases, wage in hour cases,

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Speaker 2: contract negotiations, you name it, right, I was doing those

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Speaker 2: type of cases. And I did that for seven years litigation,

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Speaker 2: and it was rewarding work. But if you've talked to

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Speaker 2: any attorney, being an attorney is extremely stressful. You're getting

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Speaker 2: stressed from all different levels, the partners, the clients, the

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Speaker 2: your coworkers, everywhere, right, And it's just this constant stress

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Speaker 2: and very little support, especially for people of color, especially

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Speaker 2: for women of color. And so I felt very isolated

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Speaker 2: and I felt overwhelmed, and I felt like I chose

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Speaker 2: a profession again because I was trying to prove a

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Speaker 2: point instead of really following my heart, you know. And

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Speaker 2: so and also because I wanted financial security. God, I

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Speaker 2: desperately want it. I was, you know, we were poor.

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Speaker 2: I was living in Miami. I was living in an apartment.

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Speaker 2: I tell people, I'm like, I used to live a

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Speaker 2: broom by the door because I would come in and

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Speaker 2: have to kill the cockroaches because it was like a

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Speaker 2: little kitchenette and it was there was no sink in

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Speaker 2: the bathroom. I had to like brush my teeth in

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Speaker 2: the shower. It was, you know, not a good situation.

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Speaker 2: And so for me, education meant lifting myself out of poverty,

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Speaker 2: Like I needed education to be that ladder for me

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Speaker 2: out and it did. It become that ladder, but it

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Speaker 2: also trapped me in this capitalist game that I didn't

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Speaker 2: realize I was now part of. And so walking away

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Speaker 2: from my legal career took a huge mindset chef for

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Speaker 2: me to have.

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Speaker 1: That was because that wasn't even that long ago, was it.

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Speaker 1: I mean we're talking about.

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Speaker 2: I mean I literally quit in March of this year.

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Speaker 1: Wait, just this past March?

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Speaker 2: Yeah, wow, March twenty twenty one, what I put in

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Speaker 2: my notice.

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Speaker 1: So that's a big milestone, especially for anyone who's like you.

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Speaker 1: For example, you discovered the Fire movement, financial independence retire early.

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Speaker 1: When was that a couple of years ago or so?

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Speaker 1: When you discovered that movie?

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Speaker 2: Yeah, twenty nineteen, twenty nineteen years soon, I'm heard of

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Speaker 2: moresonware a Like I discover something, I go all in.

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Speaker 1: I'm finding that out. I'm like, good lord, we've been

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Speaker 1: doing this show for six years anyway, So tell me,

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Speaker 1: I mean you discovered the Fire Movement, You're you quit

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Speaker 1: your job less than a year ago. How has the

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Speaker 1: what are your what are your parents think? What do

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Speaker 1: your parents think of what you're doing?

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Speaker 2: Yeah, I mean I unfortunately my dad's not in my life,

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Speaker 2: but my mom is. She lives in Brazil. She was

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Speaker 2: just wrapping her head around the fact that I was

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Speaker 2: an attorney. She's like starting to understand what I did.

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Speaker 2: And now I'm like, oh, I'm not that doing that anymore. Mom,

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Speaker 2: I teach people about investing in the stock market. She's like,

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Speaker 2: what so, But she's very supportive. She's like, she just

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Speaker 2: wants to see us all happy and healthy, taken care of. So, yeah,

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Speaker 2: we have this distant relationship because she's been living in

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Speaker 2: Brazil for the last what twelve thirteen years?

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Speaker 1: Oh so she went back when you were still, yeah,

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Speaker 1: in your twenties or so. And you so you have

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Speaker 1: a little sister.

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Speaker 2: I have two little sisters, one that lives in Hawaii

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Speaker 2: and one that lives in Colorado.

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Speaker 1: Do you guys take care I have siblings and where

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Speaker 1: I feel you because my siblings live in different states too.

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Speaker 1: And it's crazy because I feel like I spent my

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Speaker 1: twenties just not really caring about the distance. But Now

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Speaker 1: that I'm in my mid thirties and I got a baby,

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Speaker 1: I'm like, wait, why do you guys live so far away?

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Speaker 1: But how important are those relationships to you?

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Speaker 2: No? Absolutely, And so my sister now lives in Hawaii,

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Speaker 2: which is the closest we've been geographically in forever because

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Speaker 2: she's live in Singapore. So now it feels like she's

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Speaker 2: right there all of a sudden, but she'll probably be

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Speaker 2: moving again.

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Speaker 1: Yeah.

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Speaker 2: Same as I've gotten older, I felt that having that

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Speaker 2: physical proximity to your family is really really important. So

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Speaker 2: my hope is to retire in Portugal and bring my mom.

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Speaker 2: I want to like bring the nucleus back together. I'm

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Speaker 2: trying to convince my sister to move there my mom,

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Speaker 2: and I'm like, let's get the family back together.

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Speaker 1: Why Portugal? It seems like everyone's moving to Portugal. Portugal's

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Speaker 1: got some like serious shine on it right now? What

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Speaker 1: is in the water over there? Yeah, tell me about it.

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Speaker 1: How did you arrive at that decision and what drew

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Speaker 1: you to it?

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Speaker 2: I can't speak to for everyone else. I'm Brazilian, so

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Speaker 2: for me then is natural. I see Portuguese, although the

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Speaker 2: Portuguese there is different. I visited two three years ago. God,

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Speaker 2: everything's jumbled now, and I absolutely fell in love with it.

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Speaker 2: I've always loved Europe, Spain, Italy, France, but when I

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Speaker 2: visited Portugal it felt like home, Like the people were lovely.

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Speaker 2: It just it was safe, it was calm. Right, I'm

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Speaker 2: just coming from New York because I lived in New

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Speaker 2: York City for fifteen years. It was just a different vibe.

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Speaker 2: And when I started putting together my financial independence plan,

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Speaker 2: and I'm like, Wow, it's going to be difficult to

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Speaker 2: swing this here in the States, right, especially now that

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Speaker 2: I'm living California. But I'm like, what if I moved abroad? Right?

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Speaker 2: But then the again, the immigration thing came up, the fears.

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Speaker 2: I'm like, oh my god, I'm gonna deal with immigration again.

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Speaker 2: I just became a citizen. Now I'm gonna I don't know.

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Speaker 2: I felt like I was risking it. But then I

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Speaker 2: realized that becoming a citizen in Portugal is actually quite simple,

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Speaker 2: quite easy to move there, to become.

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Speaker 1: As I think of a country welcoming to immigrants.

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Speaker 2: Yes, right, how odd? And so they have something that's

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Speaker 2: called the D seven visa visa, which is basically, if

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Speaker 2: you have any kind of passive income. There's like a

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Speaker 2: threshold that you have to meet. You meet that threshold,

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Speaker 2: you can come live there and you can become a

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Speaker 2: citizen after five years done. And that gives me a

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Speaker 2: lot of peace of mind, not only for myself but

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Speaker 2: for my mom because I'm going to be taking care

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Speaker 2: of her. So even though I don't have kids, I

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Speaker 2: am taking care of a generation above me, right, and

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Speaker 2: so I want to make sure that she's taken care

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Speaker 2: of that she has health, insurance, access to all of that.

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Speaker 2: And it was important when I was choosing which country

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Speaker 2: that I could check those boxes.

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Speaker 1: Yeah, that's wonderful. So what's your goal? When are you

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Speaker 1: going to be in Portugal? When what it does? And

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Speaker 1: when you said, first of all, I'm a victim of

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Speaker 1: my own deadlines all the time, so I'm just I'm

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Speaker 1: going to ask you this, But I'm also thinking you

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Speaker 1: can move your deadlines anytime, girl, like, it is not

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Speaker 1: that big of a deal. I don't mean to put

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Speaker 1: any pressure on you, but any going to be there.

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Speaker 2: I'm so glad you said that because that's how I

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Speaker 2: am too. When I speak something into existence, I feel

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Speaker 2: obligated to make it happen exactly as I said it,

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Speaker 2: And that's such a I don't know if that's a

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Speaker 2: scorpio thing. I don't know if that's an immigrant thing

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Speaker 2: or a type a thing. Yeah, yes, the timeline is

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Speaker 2: about in the next two years.

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Speaker 1: Two years, okay, holy shit.

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Speaker 2: And yeah, the only reason for that is because I

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Speaker 2: want to get over there do some scouting, and I

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Speaker 2: haven't been able to because of you know, the panoramic.

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Speaker 2: So once I have a minute to hang over there,

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Speaker 2: do some house shopping, house hunting, feel a little bit

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Speaker 2: better about where we're going to land, then I will

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Speaker 2: probably be escalating those plants.

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Speaker 1: So what I love about your story too, is that

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Speaker 1: you acknowledge like I was a full a full lawyer,

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Speaker 1: a full attorney at law four blocks away from Wall Street,

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Speaker 1: and even I didn't know how investing work. You've said,

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Speaker 1: how investing works, you said, or how the stock market worked.

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Speaker 1: So what was that aha moment for you? And I'm

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Speaker 1: even just getting a sense from our conversation so far,

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Speaker 1: I'm sure like you learned it and you were immediately like, Okay, great,

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Speaker 1: these are the facts. Now I'm going to implement this,

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Speaker 1: and four years later you're going to be in Portugal.

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Speaker 1: But walk us back to that moment. What was that

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Speaker 1: like for you? I mean you you even say that

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Speaker 1: you weren't even investing in your four oh one k You.

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Speaker 2: Know, well I was. I was, Actually I was investing it,

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Speaker 2: thank god, from twenty eleven, but without understanding anything what

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Speaker 2: was going on inside of it. Like literally my hr person,

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Speaker 2: which was a woman of color, a black woman, which

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Speaker 2: I'm like, thank god, somebody was looking out, came to

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Speaker 2: me and said, excuse me, why aren't you investing in

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Speaker 2: the four one day? Literally free money? What are you

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Speaker 2: talking about? And I'm thinking, what are you talking about?

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Speaker 2: Why do I need to be thinking about this right now?

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Speaker 2: I have all these student loans. You want me to

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Speaker 2: think about my life in my sixties, I don't have

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Speaker 2: I'm trying to make life work here in New York City.

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Speaker 2: She's like, no, no, no, you have to sign up for it.

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Speaker 2: Thank god she did that, And so I have had

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Speaker 2: it for the last ten years, and it is the

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Speaker 2: account that I'm most proud of because it's the one

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Speaker 2: that I've put the least amount of money and it's

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Speaker 2: grown the most. So it shows you, like the power

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Speaker 2: of compound interest.

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Speaker 1: You know, we're like, we're stock markets soul sisters. I

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Speaker 1: feel like because I started my four one K and

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Speaker 1: twenty eleven as well, although I was for a year

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Speaker 1: not investing at all. And what I love about your

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Speaker 1: story and actually I was just CNBC recently ran a

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Speaker 1: story that I wrote about my net worth journey, and

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Speaker 1: first of all, the bros at CNBC on their ig

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Speaker 1: page like I can take it, Like what does that mean?

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Speaker 1: You know, baby, I'm a gangster two. So if you

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Speaker 1: come for me and try to tell me, oh, well,

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Speaker 1: of course you your net worth increased, you know, the

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Speaker 1: stock market's been up for a decade, I'm like, yeah,

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Speaker 1: that's the point. The point is that I started, and

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Speaker 1: that is what so many people struggle with. And that's

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Speaker 1: what I love about your story and mine is that

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Speaker 1: those little tiny baby for one case, they were like

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Speaker 1: a little seedling, you know, and I put my little

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Speaker 1: money in there and it was it's it's beautiful to

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Speaker 1: see the grow, but it's also like, yeah, give us

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Speaker 1: our give us our flowers for starting something before you.

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Speaker 1: But just like that, that that little like seed of

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Speaker 1: faith that you had that you're going to grow into

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Speaker 1: something larger and the patience and hell's yeah, we can

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Speaker 1: celebrate it, you know, a decade later. I love that.

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Speaker 2: I love that, I know, and it's such it's so

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Speaker 2: frustrating with the bros because they don't want to give

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Speaker 2: us our props because we were passive investors. We're not

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Speaker 2: stock pickers, right, we're not day trading. And so because

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Speaker 2: crypto we can, yeah, we can't, like, you know, sign

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Speaker 2: off on some fancy stock that made us a pajillion

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Speaker 2: percent return. Somehow, that lessons our accomplishment, which is complete

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Speaker 2: bs because at the end of the day, who makes

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Speaker 2: money is the person who did it consistently over time,

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Speaker 2: patiently kept their money in, let it grow, and didn't

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Speaker 2: mess around with it. And this is why women are

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Speaker 2: statistically better investors than men now, so because we know

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Speaker 2: how to do this. And so the only problem with

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Speaker 2: women quote unquote women is that we're not doing it enough.

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Speaker 2: That's it. If we just need to invest more, we

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00:20:31,960 --> 00:20:37,080
Speaker 2: need to participate more. But when we do, we're great investors.

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Speaker 2: So when I found out about financial independence and I

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Speaker 2: started learning about investing, my reaction was anger. To be honest,

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Speaker 2: I was really angry. I was angry that I didn't

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Speaker 2: know this stuff. I'm like, how is it that I'm

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Speaker 2: a professional making six figures, like you said, living in

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Speaker 2: New York City, surrounded by stock market information all day long,

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Speaker 2: and I don't understand the basics of investing. That's how

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Speaker 2: I knew. I was like, Wow, if the information is

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00:21:03,760 --> 00:21:06,080
Speaker 2: not trickling down to me, it's definitely not trickling down

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Speaker 2: to other people. Because all I hear everybody talking about

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Speaker 2: is real estate. That's it. You want to build wealth,

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Speaker 2: you got to go buy something. And so that's the

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Speaker 2: message that I was adhering to, hoarding cash in my

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Speaker 2: savings account, chasing your city real estate, never getting anywhere,

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Speaker 2: and I'm like, I don't understand how are people building

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Speaker 2: their net worth? Like, how am I ever going to

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Speaker 2: stop working someday? It seems like it's going to go

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Speaker 2: on forever. And so when I found out about it,

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Speaker 2: that's why I was it was such a quick buy

401
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Speaker 2: in for me. I mean, obviously I did my research,

402
00:21:38,240 --> 00:21:40,440
Speaker 2: I looked into it, but I was like, this is it,

403
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Speaker 2: this is the way out. And then I just started

404
00:21:44,520 --> 00:21:48,639
Speaker 2: using social media to share my own personal journey, and

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Speaker 2: that's when it started growing into something way more.

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Speaker 1: Yeah, So that decision that you made. I mean you,

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Speaker 1: like you said, is it right that you had this

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Speaker 1: big chunk of change like one hundred grand that you

409
00:22:00,440 --> 00:22:03,520
Speaker 1: had set aside for what a home like a down payment?

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Speaker 1: And you you discovered fire, and what did you decide

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Speaker 1: to do with that money instead?

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Speaker 2: So I split into three buckets. One was my emergency

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Speaker 2: fund because I need to sleep at night. I need

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Speaker 2: money in the bank, always in forever. And I tell

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Speaker 2: everybody that you do too. And then I sent another

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Speaker 2: big chunk to Navviant. Here, Naviant, take your freaking money.

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Speaker 2: Please get out of my face. Okay, no, this was

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Speaker 2: some also. This was October twenty nineteen, five months before

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Speaker 2: the pandemic. Yeah, you know, stock markets at all time highs.

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Speaker 2: I don't care. I'm like, I did my research. I'm

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Speaker 2: in it for the long run. Then I took another

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Speaker 2: fifty thousand dollars and I put it in a brokerage

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Speaker 2: account of Vanguard, five months before the pandemic. So I

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Speaker 2: did the scary thing that everybody's scared to do. Oh

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Speaker 2: my god, what if I put money in and then

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Speaker 2: the market crashes? It? Literally? I did it, and guess

427
00:23:01,280 --> 00:23:05,680
Speaker 2: what that money has recovered? And continued to grow since them. Dude,

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00:23:05,760 --> 00:23:07,960
Speaker 2: totally fine. The S and P five hundred was at

429
00:23:07,960 --> 00:23:11,200
Speaker 2: twenty nine hundred when I did that, which was all

430
00:23:11,240 --> 00:23:14,399
Speaker 2: time highs. Today it's at forty four hundred.

431
00:23:15,880 --> 00:23:18,439
Speaker 1: Yeah, so that's fifty K. What's the value today?

432
00:23:19,440 --> 00:23:21,680
Speaker 2: I mean, I don't have like the exact number on it,

433
00:23:21,920 --> 00:23:25,120
Speaker 2: but think about it. It dropped in value forty percent

434
00:23:25,160 --> 00:23:28,000
Speaker 2: in March, so I was down, Like it went into

435
00:23:28,000 --> 00:23:30,680
Speaker 2: my principle, which is the thing you never want, right,

436
00:23:30,800 --> 00:23:34,000
Speaker 2: So I lost all my growth and then the money,

437
00:23:34,080 --> 00:23:35,719
Speaker 2: some of the money that I put in, so it

438
00:23:35,800 --> 00:23:39,360
Speaker 2: was up to like almost sixty K by the time

439
00:23:39,400 --> 00:23:41,760
Speaker 2: the market crashed, so I put in fifty. It was

440
00:23:41,840 --> 00:23:44,320
Speaker 2: up till like sixty So I lost the ten that grew,

441
00:23:44,520 --> 00:23:46,680
Speaker 2: that grew, and then I lost another ten.

442
00:23:47,800 --> 00:23:50,400
Speaker 1: So what was your reaction? How did you stick with it?

443
00:23:50,880 --> 00:23:51,720
Speaker 1: How did you know? Yeah?

444
00:23:51,760 --> 00:23:54,680
Speaker 2: I mean it's funny because my reaction is actually documented

445
00:23:54,720 --> 00:23:57,280
Speaker 2: on Instagram because I remember, I'm in the middle of

446
00:23:57,359 --> 00:24:01,840
Speaker 2: launching my business. I'm talking about investing, and I'm literally

447
00:24:01,840 --> 00:24:06,000
Speaker 2: talking everybody else down off a ledge and I'm like,

448
00:24:06,320 --> 00:24:08,359
Speaker 2: this is the moment we've been waiting for. This is

449
00:24:08,480 --> 00:24:11,760
Speaker 2: what I've been telling you guys might happen, and so

450
00:24:13,240 --> 00:24:15,679
Speaker 2: I continue to pay off my student loans, but I

451
00:24:15,720 --> 00:24:18,800
Speaker 2: also continue to invest. And I'm so glad I did that.

452
00:24:18,840 --> 00:24:21,159
Speaker 2: And I did it all throughout twenty twenty. I actually

453
00:24:21,160 --> 00:24:24,119
Speaker 2: poured one hundred thousand dollars into the market in twenty twenty.

454
00:24:24,720 --> 00:24:27,240
Speaker 1: Okay, so glad I did. So you don't know the

455
00:24:27,320 --> 00:24:30,680
Speaker 1: exact value, I mean, do you not? Typically I try

456
00:24:30,680 --> 00:24:33,000
Speaker 1: to not look at my accounts too too often. I

457
00:24:33,000 --> 00:24:35,200
Speaker 1: try to look at my net worth and that nice

458
00:24:35,280 --> 00:24:38,080
Speaker 1: round number, and you know, that's what I'm kind of

459
00:24:38,119 --> 00:24:42,600
Speaker 1: focused on. But how often are you checking your numbers?

460
00:24:42,760 --> 00:24:44,639
Speaker 1: I think we got a question from someone who was like,

461
00:24:45,160 --> 00:24:47,919
Speaker 1: I've gotten it through Mandy Money, Just how do I

462
00:24:47,960 --> 00:24:51,080
Speaker 1: stop checking my accounts? I'm obsessed with watching the progress.

463
00:24:51,480 --> 00:24:53,640
Speaker 1: What's that relationship been like for you?

464
00:24:54,440 --> 00:24:57,000
Speaker 2: I think in the beginning, that's totally normal. If you're

465
00:24:57,160 --> 00:25:00,000
Speaker 2: brand into investing, of course they're gonna be watching it, right.

466
00:25:00,040 --> 00:25:03,560
Speaker 2: It's something so new, especially if you didn't take a

467
00:25:03,560 --> 00:25:05,280
Speaker 2: lot of time to learn about the history of the

468
00:25:05,280 --> 00:25:08,320
Speaker 2: stock market. You're kind of learning on the go, so

469
00:25:08,400 --> 00:25:11,040
Speaker 2: that's why you're so nervous. But trust me, you will

470
00:25:11,080 --> 00:25:14,160
Speaker 2: get bored with that because life will move on. You're

471
00:25:14,160 --> 00:25:16,920
Speaker 2: gonna get sick of seeing the ups and downs, and

472
00:25:17,840 --> 00:25:20,240
Speaker 2: people will just move on with their lives. So I

473
00:25:20,240 --> 00:25:22,879
Speaker 2: think that's actually a normal reaction. And I'm not gonna

474
00:25:22,960 --> 00:25:24,359
Speaker 2: tell you to not do it, because when you tell

475
00:25:24,400 --> 00:25:26,159
Speaker 2: people not to do something, then they really want to

476
00:25:26,200 --> 00:25:29,520
Speaker 2: do it. So it's fine. But I check my accounts

477
00:25:29,520 --> 00:25:32,760
Speaker 2: every day. But this is my job. Like that's why

478
00:25:32,800 --> 00:25:35,720
Speaker 2: I look at the market every day. I'm telling everybody, Hey,

479
00:25:35,840 --> 00:25:39,400
Speaker 2: my account, for instance today recording today, the market's down

480
00:25:39,400 --> 00:25:44,280
Speaker 2: two percent. My brokerage account just fell eight thousand dollars.

481
00:25:44,520 --> 00:25:47,320
Speaker 2: Like I know these things because I'm also sharing it

482
00:25:47,359 --> 00:25:49,760
Speaker 2: with my audience. I'm telling them, hey, I'm in it

483
00:25:49,800 --> 00:25:53,320
Speaker 2: with you. I'm seeing my account move down. Guess what

484
00:25:53,359 --> 00:25:56,159
Speaker 2: I just did. I just bought more. Like I'm talking

485
00:25:56,240 --> 00:25:59,600
Speaker 2: them through it as I'm experiencing, too, and I think

486
00:25:59,640 --> 00:26:01,480
Speaker 2: that that calms people down.

487
00:26:02,320 --> 00:26:04,480
Speaker 1: Yeah, okay, now that makes a lot of sense. I

488
00:26:04,560 --> 00:26:07,000
Speaker 1: try not to look. I don't even pay attention. It

489
00:26:07,040 --> 00:26:11,680
Speaker 1: was liberating. It's so much more liberating when you feel like, okay,

490
00:26:12,000 --> 00:26:15,040
Speaker 1: I am I've chosen this lifestyle as a passive investor.

491
00:26:15,680 --> 00:26:18,040
Speaker 1: The point of it is it's called passive. Like you

492
00:26:18,160 --> 00:26:20,159
Speaker 1: just float. You know, you're on your little raft and

493
00:26:20,200 --> 00:26:23,440
Speaker 1: you're just floating and you're just enjoying the scenery and

494
00:26:23,520 --> 00:26:27,240
Speaker 1: it's all working for you. It's just having that faith.

495
00:26:29,240 --> 00:26:31,720
Speaker 2: Okay, sorry, when I look at my phone, Okay, that's

496
00:26:31,760 --> 00:26:34,200
Speaker 2: what I did. I had ignored it for ten years.

497
00:26:34,240 --> 00:26:36,600
Speaker 2: I'm just now aware of it because I'm painfully aware

498
00:26:36,600 --> 00:26:40,040
Speaker 2: of everything about investing. But before that, I ignored it

499
00:26:40,040 --> 00:26:42,000
Speaker 2: for years and guess what, it grew and it did

500
00:26:42,000 --> 00:26:42,440
Speaker 2: its thing.

501
00:26:43,000 --> 00:26:46,160
Speaker 1: So you don't need to be watching it absolutely. Let's

502
00:26:46,160 --> 00:26:49,280
Speaker 1: talk about fire. Do you have a fire number? Is

503
00:26:49,320 --> 00:26:51,840
Speaker 1: there a I know we talked about time earlier in

504
00:26:51,880 --> 00:26:53,480
Speaker 1: the time when you want to be in Portugal, but

505
00:26:53,600 --> 00:26:56,000
Speaker 1: is there more than time? Is there like an actual

506
00:26:56,119 --> 00:26:58,919
Speaker 1: number you want to reach for your net worth or

507
00:26:58,960 --> 00:27:02,240
Speaker 1: your your portfolio before you know it's time to move.

508
00:27:02,560 --> 00:27:06,119
Speaker 2: Yeah, I don't necessarily need to hit fire to move.

509
00:27:06,520 --> 00:27:08,119
Speaker 2: I used to think that was the case, and it

510
00:27:08,320 --> 00:27:11,160
Speaker 2: was because I was tied to my nine to five, right,

511
00:27:11,200 --> 00:27:12,399
Speaker 2: So if I was going to stay in my nine

512
00:27:12,440 --> 00:27:14,920
Speaker 2: to five, then I had to hit fire before I

513
00:27:14,920 --> 00:27:17,760
Speaker 2: could quit my job. But I became financial independence sooner

514
00:27:17,800 --> 00:27:22,239
Speaker 2: because of my business, so things as changed faster than

515
00:27:22,240 --> 00:27:26,000
Speaker 2: I expected. But as far as financial independence, and I

516
00:27:26,080 --> 00:27:28,879
Speaker 2: like to call it financial dependence, relax early because I

517
00:27:28,920 --> 00:27:32,720
Speaker 2: think retiring just has this connotation that people get allergic

518
00:27:32,760 --> 00:27:35,320
Speaker 2: to it. They hear it, they're like, oh my god, retiring.

519
00:27:35,400 --> 00:27:41,480
Speaker 2: That sounds so done over right, And I'm like, it's

520
00:27:41,520 --> 00:27:44,080
Speaker 2: not that. It's just a moment where now you can

521
00:27:44,119 --> 00:27:47,840
Speaker 2: pause and decide what do you want your life to

522
00:27:47,880 --> 00:27:50,679
Speaker 2: look like? That's what it is. It gives you all

523
00:27:50,680 --> 00:27:53,920
Speaker 2: the freedom to decide. So for me, like I said,

524
00:27:53,960 --> 00:27:57,560
Speaker 2: financial independence relax early, I definitely have a number because

525
00:27:57,640 --> 00:28:01,240
Speaker 2: I'm very goal oriented, so it's important to have a number.

526
00:28:01,560 --> 00:28:03,560
Speaker 2: And so right now that number is one and a

527
00:28:03,560 --> 00:28:06,760
Speaker 2: half million, and that's just for me. But what I

528
00:28:07,600 --> 00:28:09,520
Speaker 2: a new term that I think I've coined. I haven't

529
00:28:09,560 --> 00:28:13,359
Speaker 2: heard anybody else use it is family fire, which it

530
00:28:13,400 --> 00:28:16,399
Speaker 2: means like, is there anybody else, like extended family or

531
00:28:16,440 --> 00:28:18,760
Speaker 2: someone outside of your household that you're also saving and

532
00:28:18,800 --> 00:28:21,840
Speaker 2: investing for which I am, which is my mom. So

533
00:28:21,920 --> 00:28:24,760
Speaker 2: our family fire number is actually two million, right so

534
00:28:24,920 --> 00:28:26,919
Speaker 2: to cover both me and my mom. And this is

535
00:28:27,280 --> 00:28:30,720
Speaker 2: all assuming that I am withdrawing somewhere between like fifty

536
00:28:30,800 --> 00:28:33,520
Speaker 2: to seventy thousand dollars a year to cover both my

537
00:28:33,640 --> 00:28:37,600
Speaker 2: living expences and her living expenses. So that's like where

538
00:28:37,960 --> 00:28:41,200
Speaker 2: you know, I'm directionally going. Obviously, things can change. That

539
00:28:41,280 --> 00:28:42,920
Speaker 2: number can go up, that number can go down, And

540
00:28:42,960 --> 00:28:45,480
Speaker 2: that's the beauty of fires that you're supposed to be

541
00:28:46,000 --> 00:28:49,360
Speaker 2: super flexible. Right, things can change, like the market can change.

542
00:28:49,400 --> 00:28:51,840
Speaker 2: Your plans can change, a lot of people think that

543
00:28:51,880 --> 00:28:54,320
Speaker 2: like you're locked in and then that's it, or that

544
00:28:54,360 --> 00:28:58,480
Speaker 2: you're living this pretty miserable, frugal lifestyle, right, Pinching pennies,

545
00:28:58,600 --> 00:29:03,040
Speaker 2: cutting coupons, not in yourself, Totally not true. I travel,

546
00:29:03,560 --> 00:29:07,000
Speaker 2: I spend money on leggings. I bought a peloton. I.

547
00:29:07,120 --> 00:29:09,160
Speaker 2: You know, the thing is what I've realized is that

548
00:29:09,200 --> 00:29:11,680
Speaker 2: I've learned how to value what I want to spend

549
00:29:11,680 --> 00:29:13,880
Speaker 2: my money on, Like what am I going to do

550
00:29:14,120 --> 00:29:16,800
Speaker 2: to It's like the Marie Condo of spending, Like, you know,

551
00:29:16,840 --> 00:29:18,760
Speaker 2: what is going to bring me the most joy, I'm

552
00:29:18,800 --> 00:29:20,800
Speaker 2: going to double down on those things and I'm going

553
00:29:20,880 --> 00:29:24,680
Speaker 2: to cut out all the junk. And you feel a

554
00:29:24,680 --> 00:29:27,560
Speaker 2: lot more like fulfilled when you do that.

555
00:29:28,440 --> 00:29:32,040
Speaker 1: Yeah, when you talk about family fire. I like that

556
00:29:32,120 --> 00:29:35,120
Speaker 1: expression because I think especially that is a point of

557
00:29:35,200 --> 00:29:39,640
Speaker 1: view that isn't typically, you know, spoken about, because the

558
00:29:39,680 --> 00:29:43,240
Speaker 1: people who generally lead conversations about fire are you know,

559
00:29:43,800 --> 00:29:47,160
Speaker 1: white men, white women, white families, and typically they may

560
00:29:47,160 --> 00:29:49,240
Speaker 1: not have to take care of a family or take

561
00:29:49,280 --> 00:29:51,640
Speaker 1: them along with them because their families are fine already.

562
00:29:51,920 --> 00:29:54,360
Speaker 1: But especially for you, you know, you're being an immigrant

563
00:29:54,400 --> 00:29:57,440
Speaker 1: with your with your mom, wanting to take care of

564
00:29:57,480 --> 00:30:01,080
Speaker 1: her and your your siblings as well. Do you feel

565
00:30:01,200 --> 00:30:04,720
Speaker 1: like I want to like phrase this the right way

566
00:30:04,720 --> 00:30:08,120
Speaker 1: because I got this question when I came clean. I

567
00:30:08,120 --> 00:30:10,280
Speaker 1: published a story on CNBC about my net worth and

568
00:30:10,320 --> 00:30:12,760
Speaker 1: how it's grown, and one of my really good friends

569
00:30:13,000 --> 00:30:15,120
Speaker 1: called me up and he's like, aren't you afraid people

570
00:30:15,160 --> 00:30:16,959
Speaker 1: are going to be coming with their hands out, you know,

571
00:30:17,000 --> 00:30:19,640
Speaker 1: trying to get those coins. And my reaction was just

572
00:30:19,720 --> 00:30:24,240
Speaker 1: like no, no, I mean it's not in a way

573
00:30:24,280 --> 00:30:26,640
Speaker 1: where it's I feel obligated to take care of people,

574
00:30:26,680 --> 00:30:29,760
Speaker 1: but it's like that's the point the point of breaking

575
00:30:29,840 --> 00:30:34,360
Speaker 1: you know, generational poverty and generational like lack of knowledge

576
00:30:34,360 --> 00:30:37,360
Speaker 1: of financial, financial finances and the financial markets is to

577
00:30:37,880 --> 00:30:40,600
Speaker 1: help them see what's possible in a way, And I

578
00:30:40,760 --> 00:30:43,920
Speaker 1: wonder there's a flip side though, It's like you'd be

579
00:30:44,000 --> 00:30:46,920
Speaker 1: surprised how much family doesn't want your advice when you

580
00:30:47,200 --> 00:30:49,440
Speaker 1: are like the money person. And so I'm wondering what

581
00:30:49,440 --> 00:30:52,200
Speaker 1: the dynamic is for you with your siblings, with your mom.

582
00:30:52,720 --> 00:30:55,320
Speaker 1: Do you feel like they they are coming to you

583
00:30:55,360 --> 00:30:57,360
Speaker 1: for advice? Are you trying to like show them the

584
00:30:57,360 --> 00:31:00,240
Speaker 1: way or are you just like, hey, uh, how on

585
00:31:00,240 --> 00:31:02,320
Speaker 1: this fire train? Don't worry about how we're getting there,

586
00:31:02,320 --> 00:31:03,400
Speaker 1: but like come Toasco.

587
00:31:04,080 --> 00:31:06,640
Speaker 2: That's kind of how I did it with my mom,

588
00:31:06,920 --> 00:31:12,640
Speaker 2: you know. She my mom basically was the stereotypical Latina mom,

589
00:31:12,680 --> 00:31:14,920
Speaker 2: where like the man took care of everything, my dad

590
00:31:14,960 --> 00:31:16,680
Speaker 2: took care of all the money on the household. She

591
00:31:16,800 --> 00:31:18,800
Speaker 2: just followed along. She took care of us, you know,

592
00:31:18,880 --> 00:31:21,480
Speaker 2: that was her job. And so she is just now

593
00:31:21,560 --> 00:31:23,960
Speaker 2: learning about money herself because she now has a business

594
00:31:23,960 --> 00:31:26,200
Speaker 2: in Brazil. She has a little pet shop, and so

595
00:31:26,240 --> 00:31:29,680
Speaker 2: she's learning about money herself. And I send my mom

596
00:31:29,720 --> 00:31:31,520
Speaker 2: money every month. She doesn't have to work if she

597
00:31:31,560 --> 00:31:35,080
Speaker 2: didn't want to, but she likes work. She's the first

598
00:31:35,080 --> 00:31:38,320
Speaker 2: time that she's like independent, so she's stepping into that,

599
00:31:38,400 --> 00:31:40,240
Speaker 2: and I want to be encouraging of that, but I

600
00:31:40,280 --> 00:31:42,280
Speaker 2: also want to make sure that my mom's taken care of.

601
00:31:43,040 --> 00:31:45,320
Speaker 2: And I tell her Mom, I could send you much more,

602
00:31:45,960 --> 00:31:48,239
Speaker 2: but I want you to know what the plan is

603
00:31:48,320 --> 00:31:49,840
Speaker 2: so you can see what I'm doing with the money.

604
00:31:49,880 --> 00:31:51,640
Speaker 2: And so I explained to her that I'm saving and

605
00:31:51,680 --> 00:31:53,560
Speaker 2: investing for us, that my plan is for us to

606
00:31:53,560 --> 00:31:56,080
Speaker 2: move to Portugal. What does she think of that I

607
00:31:56,120 --> 00:31:57,880
Speaker 2: would like to buy her a home. She's like, yeah,

608
00:31:57,880 --> 00:32:00,560
Speaker 2: that sounds amazing.

609
00:32:00,000 --> 00:32:00,800
Speaker 1: I was down.

610
00:32:01,080 --> 00:32:05,600
Speaker 2: She's down, totally down. Absolutely. So that's with my mom.

611
00:32:05,680 --> 00:32:08,440
Speaker 2: With my sister, it was a little different. It took

612
00:32:08,480 --> 00:32:10,640
Speaker 2: me months to be able to show her the power

613
00:32:10,680 --> 00:32:13,360
Speaker 2: of investing and the stock market and everything. And it's

614
00:32:13,400 --> 00:32:15,680
Speaker 2: funny because I'm like, dude, it's easier for me to

615
00:32:15,720 --> 00:32:17,800
Speaker 2: teach strangers on the internet about this stuff than it

616
00:32:17,880 --> 00:32:20,760
Speaker 2: was with you. And that's the you know how it

617
00:32:20,800 --> 00:32:22,880
Speaker 2: is with family, Right, you're going to approach family, it's

618
00:32:22,880 --> 00:32:25,080
Speaker 2: always going to be there's going to be more skepticism there.

619
00:32:25,520 --> 00:32:27,120
Speaker 2: But the funny thing is that we were both coaching

620
00:32:27,160 --> 00:32:29,640
Speaker 2: each other because my sister's my business coach, and so

621
00:32:29,720 --> 00:32:31,560
Speaker 2: here I am teaching her about money and she's teaching

622
00:32:31,640 --> 00:32:35,080
Speaker 2: me about business, and so we were able to build

623
00:32:35,080 --> 00:32:38,560
Speaker 2: that symbiotic relationship where now she's an investor, she has

624
00:32:38,600 --> 00:32:41,080
Speaker 2: her solo for one K and everything, and she's helped

625
00:32:41,120 --> 00:32:44,400
Speaker 2: me with my business. So it's worked out really well.

626
00:32:45,000 --> 00:32:47,760
Speaker 1: I can't think of a less passive thing than running

627
00:32:47,760 --> 00:32:50,360
Speaker 1: a business. Like maybe we can be passive investors, but

628
00:32:50,400 --> 00:32:52,240
Speaker 1: you can't be a passive There's I don't feel like

629
00:32:52,240 --> 00:32:55,000
Speaker 1: there's a They call it passive income, but it's not

630
00:32:55,040 --> 00:32:57,560
Speaker 1: really fair because you, dude, you're doing all of your

631
00:32:57,560 --> 00:33:00,160
Speaker 1: own content. You you kill it on the reels and

632
00:33:00,200 --> 00:33:03,360
Speaker 1: whatever the tiktoks that you're doing, and it's like that

633
00:33:03,520 --> 00:33:06,960
Speaker 1: takes work the amount of time to create the content

634
00:33:07,320 --> 00:33:10,280
Speaker 1: that ain't passive, you know what I mean? What do

635
00:33:10,320 --> 00:33:12,880
Speaker 1: you feel like you're working now more than ever to

636
00:33:12,920 --> 00:33:15,600
Speaker 1: get to fire and but is it different because you

637
00:33:15,600 --> 00:33:17,640
Speaker 1: you know you're enjoying it more. Tell me what the

638
00:33:17,720 --> 00:33:19,080
Speaker 1: dynamic is now for you and work.

639
00:33:19,080 --> 00:33:21,840
Speaker 2: And I'm very again, I'm very transparent about my journey.

640
00:33:22,720 --> 00:33:24,680
Speaker 2: I am not one of those people who was like, oh,

641
00:33:24,720 --> 00:33:26,320
Speaker 2: I was able to do all of the things when

642
00:33:26,360 --> 00:33:28,960
Speaker 2: only launched my business. You know, I still got my manicures,

643
00:33:29,000 --> 00:33:30,600
Speaker 2: and I still got this, and I still got to

644
00:33:30,680 --> 00:33:33,360
Speaker 2: enjoy my life and balance. You know, No, okay, there

645
00:33:33,400 --> 00:33:36,400
Speaker 2: was no balance. I basically launched my business at the

646
00:33:36,400 --> 00:33:38,800
Speaker 2: height of the pandemic. We were all locked inside. There

647
00:33:38,840 --> 00:33:40,600
Speaker 2: was no balance in any of our lives. I think

648
00:33:40,640 --> 00:33:45,600
Speaker 2: in that time we were all either being overworked, overstressed, overeating,

649
00:33:45,800 --> 00:33:47,920
Speaker 2: over drinking. We were doing all the things to like

650
00:33:48,000 --> 00:33:51,320
Speaker 2: self soothe, right, And so for me, I threw myself

651
00:33:51,360 --> 00:33:54,160
Speaker 2: into my work. I threw myself into my business, and

652
00:33:54,200 --> 00:33:58,400
Speaker 2: so I worked like twelve fourteen hour days, but it

653
00:33:58,400 --> 00:34:01,440
Speaker 2: didn't feel like work because I I was, you know,

654
00:34:01,520 --> 00:34:04,240
Speaker 2: working on something creative for the first time in my life.

655
00:34:04,240 --> 00:34:06,720
Speaker 2: Being an attorney is the opposite of being creative. It's

656
00:34:06,880 --> 00:34:09,600
Speaker 2: very rules based, right, It's very like, this is how

657
00:34:09,640 --> 00:34:13,759
Speaker 2: we do this. And so with my business, I got

658
00:34:13,760 --> 00:34:15,719
Speaker 2: to unlock a whole different side of my brain that

659
00:34:15,760 --> 00:34:18,520
Speaker 2: I didn't even know was there, and so I was

660
00:34:18,520 --> 00:34:21,000
Speaker 2: completely consumed with it. I absolutely loved it. And there

661
00:34:21,080 --> 00:34:23,360
Speaker 2: is a lot of front loading. When you start a business.

662
00:34:23,400 --> 00:34:24,759
Speaker 2: You are going to do a ton of work in

663
00:34:24,760 --> 00:34:28,400
Speaker 2: the beginning to like rev up, and then eventually if

664
00:34:28,440 --> 00:34:30,120
Speaker 2: you do it right, and you have a good coach,

665
00:34:30,160 --> 00:34:33,040
Speaker 2: which I did. She taught me how to build systems right.

666
00:34:33,080 --> 00:34:35,239
Speaker 2: You got to build systems, and you have to start

667
00:34:35,239 --> 00:34:38,920
Speaker 2: outsourcing things like if you don't start outsourcing things, if

668
00:34:38,920 --> 00:34:40,320
Speaker 2: you think you can do all of the things on

669
00:34:40,640 --> 00:34:42,200
Speaker 2: your own, you are going to burn out and your

670
00:34:42,239 --> 00:34:44,680
Speaker 2: business won't last very long. And I'm like, I want

671
00:34:44,719 --> 00:34:47,640
Speaker 2: this to be a sustainable business. Now. I work like

672
00:34:48,239 --> 00:34:50,960
Speaker 2: ten twelve hours a week, you know, and most of

673
00:34:50,960 --> 00:34:54,400
Speaker 2: that is creating content and just engaging with my audience

674
00:34:54,400 --> 00:34:56,560
Speaker 2: on Instagram, which is stuff that I loved and I

675
00:34:56,640 --> 00:34:58,319
Speaker 2: used to do for free, so now I get to

676
00:34:58,320 --> 00:35:03,080
Speaker 2: do it as part of my business. I am living

677
00:35:03,160 --> 00:35:05,480
Speaker 2: like that stereotype of like do what you love and

678
00:35:05,520 --> 00:35:09,200
Speaker 2: you never feel like you work a day. I always

679
00:35:09,239 --> 00:35:10,760
Speaker 2: thought that would be, but it's.

680
00:35:10,680 --> 00:35:13,160
Speaker 1: True except for all the ramp up. So tell me,

681
00:35:13,200 --> 00:35:15,480
Speaker 1: I'm a baby business owner. I don't know if you

682
00:35:16,040 --> 00:35:20,000
Speaker 1: have followed Brown Ambition, but I launched Launch sounds like

683
00:35:20,080 --> 00:35:23,799
Speaker 1: such an exciting and you know, a spectacular word, but

684
00:35:23,960 --> 00:35:26,680
Speaker 1: I just you know. I posted on Instagram that I

685
00:35:26,760 --> 00:35:30,240
Speaker 1: was setting up my own business in May or June,

686
00:35:30,840 --> 00:35:34,360
Speaker 1: and tips always kind of dropping little business coaching gems.

687
00:35:34,360 --> 00:35:37,560
Speaker 1: But you are I feel like, you know, how are

688
00:35:37,560 --> 00:35:39,520
Speaker 1: you so far ahead? But you're not even that far?

689
00:35:39,719 --> 00:35:42,360
Speaker 1: Like you just you just quit your job in March,

690
00:35:42,400 --> 00:35:44,319
Speaker 1: and I'm just I feel like I'm just kind of

691
00:35:44,400 --> 00:35:47,080
Speaker 1: accepting the fact that I'm a you know, entrepreneur now.

692
00:35:47,120 --> 00:35:50,439
Speaker 1: But tell me more, give me more tips. So, yeah,

693
00:35:50,760 --> 00:35:52,440
Speaker 1: what were the things that what are the things that

694
00:35:52,480 --> 00:35:55,080
Speaker 1: you're outsourcing that you feel like have helped your business

695
00:35:55,080 --> 00:35:57,280
Speaker 1: grow and helped you get to a ten hour work week?

696
00:35:57,960 --> 00:35:59,680
Speaker 2: Yeah, I mean, first of all, I got a virtual

697
00:35:59,680 --> 00:36:03,200
Speaker 2: assist a virtual assistant. They're in the Philippines. So if

698
00:36:03,239 --> 00:36:04,960
Speaker 2: you're starting out and you want.

699
00:36:04,800 --> 00:36:12,440
Speaker 1: To Philippines, they're amazing. Where do you find them or like, yeah,

700
00:36:12,480 --> 00:36:12,960
Speaker 1: you can.

701
00:36:12,800 --> 00:36:17,480
Speaker 2: Find them on fiver, on upwork. There's a website that's

702
00:36:17,520 --> 00:36:21,120
Speaker 2: like I think it's called Online Assistance dot pH or

703
00:36:21,120 --> 00:36:25,840
Speaker 2: something like that. Virtual Assistant dot pH. But they are amazing.

704
00:36:25,960 --> 00:36:30,520
Speaker 2: Do not sleep on Philippine virtual assistants, and so it's

705
00:36:30,520 --> 00:36:34,040
Speaker 2: a great way to start. Eventually, I will need a

706
00:36:34,080 --> 00:36:36,560
Speaker 2: personal assistant here in the States with me so that

707
00:36:36,600 --> 00:36:38,880
Speaker 2: we can be on the same time zone. But right

708
00:36:38,920 --> 00:36:40,280
Speaker 2: now it's all working out fine.

709
00:36:41,160 --> 00:36:44,280
Speaker 1: But basically what is that? What is that VA doing

710
00:36:44,400 --> 00:36:45,480
Speaker 1: that you find helpful?

711
00:36:46,080 --> 00:36:47,640
Speaker 2: Yes, So they're doing a lot of the stuff in

712
00:36:47,680 --> 00:36:50,240
Speaker 2: the background for me. So things that I used to do,

713
00:36:50,480 --> 00:36:55,960
Speaker 2: like when I go do my monthly class, I'd have

714
00:36:56,080 --> 00:36:59,840
Speaker 2: to email the list. I'd have to let everybody know

715
00:37:00,080 --> 00:37:03,319
Speaker 2: when it's happening, Hey, going live. Now i'd have to

716
00:37:03,360 --> 00:37:07,080
Speaker 2: do a tracking of who's buying when they're buying. I

717
00:37:07,080 --> 00:37:10,040
Speaker 2: have a community that's part of my course, and so

718
00:37:10,120 --> 00:37:12,960
Speaker 2: I need to track who's still part of the community

719
00:37:13,000 --> 00:37:16,880
Speaker 2: and whose community access has expired. They're doing all that tracking.

720
00:37:17,640 --> 00:37:21,320
Speaker 2: They also upload my videos. Whenever I'm done doing my class,

721
00:37:21,360 --> 00:37:24,239
Speaker 2: I have to upload the replay and send that out

722
00:37:24,520 --> 00:37:26,759
Speaker 2: to everybody who attended. I used to do all this

723
00:37:26,760 --> 00:37:29,279
Speaker 2: stuff manually, so I'd be done with my class and

724
00:37:29,320 --> 00:37:31,800
Speaker 2: then I would spend another two three hours on my computer,

725
00:37:31,960 --> 00:37:37,080
Speaker 2: like finalizing everything, uploading videos, editing videos to send that out.

726
00:37:37,160 --> 00:37:39,680
Speaker 2: And now I literally just turn off my computer and

727
00:37:39,719 --> 00:37:42,279
Speaker 2: I can go have a drink, you know, and they

728
00:37:42,320 --> 00:37:46,720
Speaker 2: take care of everything like that. So that's something major

729
00:37:46,760 --> 00:37:49,560
Speaker 2: that they do. They she manages my community where people's

730
00:37:50,160 --> 00:37:52,640
Speaker 2: submit questions, so she collects all those questions for me.

731
00:37:52,680 --> 00:37:53,839
Speaker 2: So at the end of the day, it's all like

732
00:37:53,840 --> 00:37:56,160
Speaker 2: in a spreadsheet. I can just go in and like

733
00:37:56,840 --> 00:38:01,279
Speaker 2: answer them. I coach my students two times month, and

734
00:38:01,760 --> 00:38:03,200
Speaker 2: I want to take it to the next level though,

735
00:38:03,200 --> 00:38:05,480
Speaker 2: where I have an assistant also in my inbox, like

736
00:38:05,640 --> 00:38:09,799
Speaker 2: answering my email, scheduling my press calls, talking to people

737
00:38:09,800 --> 00:38:12,960
Speaker 2: about collaborations, Like I'm still doing all of that myself,

738
00:38:13,520 --> 00:38:15,760
Speaker 2: managing my email, but that's going to be the next level.

739
00:38:15,800 --> 00:38:17,719
Speaker 2: The one thing that I don't think I'll ever outsource

740
00:38:17,840 --> 00:38:21,280
Speaker 2: is my social media content. Like that's my face. Obviously,

741
00:38:21,320 --> 00:38:24,280
Speaker 2: I need to be present. That's the way I connect

742
00:38:24,320 --> 00:38:26,520
Speaker 2: with my audience. I write all my own captions, I

743
00:38:26,560 --> 00:38:29,360
Speaker 2: create all my own social media, but I have hired

744
00:38:29,400 --> 00:38:32,359
Speaker 2: a team to actually like post everything, so I don't

745
00:38:32,400 --> 00:38:34,600
Speaker 2: have to sit there and post things anymore. Like I

746
00:38:34,640 --> 00:38:36,920
Speaker 2: have somebody doing them making sure everything's going through. If

747
00:38:36,920 --> 00:38:39,560
Speaker 2: there's any glitches on Instagram, they take care of it.

748
00:38:40,000 --> 00:38:42,440
Speaker 2: So I create all of the creative but I have

749
00:38:42,560 --> 00:38:46,319
Speaker 2: people doing like the execution part of it. And you think, like,

750
00:38:46,400 --> 00:38:48,839
Speaker 2: what's the big deal, Like posting something on Instagram takes

751
00:38:48,880 --> 00:38:51,000
Speaker 2: two minutes. It doesn't. It takes time.

752
00:38:52,320 --> 00:38:54,840
Speaker 1: You who are you telling and like TikTok too. Are

753
00:38:54,880 --> 00:38:57,319
Speaker 1: you on TikTok? Are you TikTok? Are you the realest girl?

754
00:38:57,600 --> 00:38:59,960
Speaker 2: No? I have two hundred thousand followers on TikTok.

755
00:39:00,280 --> 00:39:02,560
Speaker 1: Oh shit, Okay, Yes, I feel like I see most

756
00:39:02,560 --> 00:39:05,360
Speaker 1: of your content ig on ig because TikTok knows me

757
00:39:05,400 --> 00:39:07,480
Speaker 1: too well and all they do is serve me. Plant content,

758
00:39:07,880 --> 00:39:12,080
Speaker 1: plants and TLC doctor pimple popper content.

759
00:39:12,239 --> 00:39:12,680
Speaker 2: Love it?

760
00:39:14,320 --> 00:39:16,239
Speaker 1: Yes, well, I love that you're doing your own thing.

761
00:39:16,280 --> 00:39:19,480
Speaker 1: And I think it's all about what you enjoy doing right,

762
00:39:19,520 --> 00:39:21,760
Speaker 1: And I think it's doing the work that you enjoy

763
00:39:22,080 --> 00:39:24,160
Speaker 1: at the parts of your job that you enjoy doing

764
00:39:24,200 --> 00:39:26,960
Speaker 1: that and doing it unapologetically because I've heard, well, you've

765
00:39:26,960 --> 00:39:28,759
Speaker 1: got to outsource your social and you've got to do this,

766
00:39:28,800 --> 00:39:31,200
Speaker 1: and you've got to you know, outsource writing, you know,

767
00:39:31,239 --> 00:39:33,840
Speaker 1: your articles. I would never have someone ghostwrite for me.

768
00:39:33,880 --> 00:39:37,040
Speaker 1: I just I have done it, and I've I've had

769
00:39:37,040 --> 00:39:39,920
Speaker 1: writers who or have people who have things ghost written.

770
00:39:40,040 --> 00:39:42,440
Speaker 1: I don't know, I can't even I'm trying. I have

771
00:39:42,440 --> 00:39:45,000
Speaker 1: an admin she tried to write an email, and even

772
00:39:45,040 --> 00:39:46,399
Speaker 1: that I'm like, oh no, no, no, this is how

773
00:39:46,440 --> 00:39:48,480
Speaker 1: I would say it, Like I have a particular way

774
00:39:48,480 --> 00:39:50,799
Speaker 1: of talking and speaking, and I'm like, maybe this isn't

775
00:39:50,840 --> 00:39:53,480
Speaker 1: something I can outsource, but so I appreciate that it's

776
00:39:53,480 --> 00:39:56,480
Speaker 1: about you know, but there's some things that I at

777
00:39:56,560 --> 00:39:59,640
Speaker 1: least can identify that I don't you know, that don't

778
00:39:59,640 --> 00:40:03,480
Speaker 1: need them magic Mandy touch or the magic flair you know,

779
00:40:03,640 --> 00:40:06,360
Speaker 1: or it's not even magic, just you know that personality,

780
00:40:06,960 --> 00:40:09,160
Speaker 1: which at the end of the day, is how you're

781
00:40:09,160 --> 00:40:12,719
Speaker 1: connecting to your community, right it's through they come to

782
00:40:12,800 --> 00:40:16,920
Speaker 1: see you specifically talking about the topic that you're talking

783
00:40:17,000 --> 00:40:20,279
Speaker 1: and using your point of view. How do you feel like,

784
00:40:20,680 --> 00:40:22,279
Speaker 1: I mean, you're such a strong I mean you're a

785
00:40:22,320 --> 00:40:25,959
Speaker 1: strong woman with a strong point of view. I feel

786
00:40:26,000 --> 00:40:28,120
Speaker 1: like it took me even longer to get to a

787
00:40:28,160 --> 00:40:30,400
Speaker 1: place because my backgrounds in journalism. I was in the

788
00:40:30,400 --> 00:40:35,200
Speaker 1: background interviewing the Delhians and the Tiffany's and learning a ton.

789
00:40:35,600 --> 00:40:38,600
Speaker 1: But it wasn't until the last year where I kind

790
00:40:38,600 --> 00:40:40,319
Speaker 1: of stood up and said, you know, I have a

791
00:40:40,360 --> 00:40:42,040
Speaker 1: point of view. I have thoughts, I.

792
00:40:43,160 --> 00:40:45,279
Speaker 2: Have I have ideas.

793
00:40:45,600 --> 00:40:48,080
Speaker 1: I do have opinions and strong ones at that about

794
00:40:48,120 --> 00:40:50,560
Speaker 1: how you know you manage your finances in your career

795
00:40:50,640 --> 00:40:52,920
Speaker 1: and all of that, Where do you think that confidence

796
00:40:52,960 --> 00:40:56,960
Speaker 1: came from for you? Because I admire it a lot,

797
00:40:57,560 --> 00:40:57,960
Speaker 1: Thank you.

798
00:40:59,040 --> 00:41:02,280
Speaker 2: I think I've always I've been very focused in my life.

799
00:41:02,600 --> 00:41:05,879
Speaker 2: I know, you don't put yourself through law school by

800
00:41:05,920 --> 00:41:08,720
Speaker 2: yourself and pay off one hundred thousand dollars student loans

801
00:41:09,000 --> 00:41:11,400
Speaker 2: when you don't have like a ton of focus. So

802
00:41:11,520 --> 00:41:13,520
Speaker 2: I've always been a very focused person in my life.

803
00:41:14,160 --> 00:41:17,560
Speaker 2: But that being said, I always credit my sister with

804
00:41:17,640 --> 00:41:21,240
Speaker 2: helping me find my voice. Because when I first started

805
00:41:21,239 --> 00:41:23,239
Speaker 2: my business, I'm like, should I talk about paying off debt?

806
00:41:23,239 --> 00:41:26,920
Speaker 2: Should I talk about building credit? Should I talk about investing?

807
00:41:27,200 --> 00:41:29,279
Speaker 2: I was trying to go all different directions. She's like,

808
00:41:29,320 --> 00:41:32,759
Speaker 2: you can't be something for everyone. She's like, no one's

809
00:41:32,800 --> 00:41:35,240
Speaker 2: going to listen to you if you try to serve

810
00:41:35,320 --> 00:41:38,400
Speaker 2: too many people, who can you serve the best? And

811
00:41:38,440 --> 00:41:40,520
Speaker 2: what are you going to enjoy the most? And let's

812
00:41:40,560 --> 00:41:44,160
Speaker 2: double down on that. And so when I realized that, yes,

813
00:41:44,200 --> 00:41:47,280
Speaker 2: payingoff debt is super important, managing money is super important.

814
00:41:47,520 --> 00:41:49,320
Speaker 2: But the thing that I was feeling the most passionate

815
00:41:49,360 --> 00:41:52,360
Speaker 2: and fired up about, no pun intended, was financially the

816
00:41:52,400 --> 00:41:55,279
Speaker 2: penans right. It was the journey that I myself was

817
00:41:55,320 --> 00:41:59,719
Speaker 2: personally going on and I'm like, gosh, I really want

818
00:41:59,719 --> 00:42:01,560
Speaker 2: to bring people with me. I don't want to, you know,

819
00:42:01,640 --> 00:42:04,120
Speaker 2: be alone in this journey. I always I also felt

820
00:42:04,200 --> 00:42:06,839
Speaker 2: kind of alone when I started, and so it was,

821
00:42:06,920 --> 00:42:09,000
Speaker 2: you know, from a selfish blaze of like not wanting

822
00:42:09,040 --> 00:42:12,520
Speaker 2: to be by myself and wanting to share. And it's

823
00:42:12,640 --> 00:42:15,600
Speaker 2: what I was educating and consuming at the moment. I

824
00:42:15,640 --> 00:42:19,879
Speaker 2: was just reading everything I could touch about this subject.

825
00:42:20,040 --> 00:42:22,200
Speaker 2: And so my sister, you know, was like, well, let's

826
00:42:22,200 --> 00:42:25,400
Speaker 2: do that. Let's focus on financial independence, let's focus on investing.

827
00:42:25,480 --> 00:42:27,640
Speaker 2: This is what you're you know, it seems to be

828
00:42:27,800 --> 00:42:30,840
Speaker 2: like your passion project, and let's grow from there. And

829
00:42:30,880 --> 00:42:34,279
Speaker 2: so having that direction helped to clear out a lot

830
00:42:34,280 --> 00:42:36,239
Speaker 2: of noise, and I didn't waste a lot of time,

831
00:42:36,280 --> 00:42:39,279
Speaker 2: because I think with the new entrepreneurs, unfortunately, finding your

832
00:42:39,360 --> 00:42:43,759
Speaker 2: voice is something where a lot of your like that

833
00:42:43,880 --> 00:42:46,600
Speaker 2: initial rev up, that initial oh my god, I'm so motivated,

834
00:42:46,640 --> 00:42:48,960
Speaker 2: I'm feeling so passionate. You can waste a lot of

835
00:42:48,960 --> 00:42:52,719
Speaker 2: that good energy just finding your niche. And so if

836
00:42:52,760 --> 00:42:55,000
Speaker 2: you can kind of clear through that pretty quickly and

837
00:42:55,120 --> 00:42:58,239
Speaker 2: just get to the point where you're like launching your offer, like,

838
00:42:58,280 --> 00:43:00,759
Speaker 2: what is it that you're going to sell? Just sell it.

839
00:43:01,760 --> 00:43:04,800
Speaker 2: You will save a lot of headaches, right, And what

840
00:43:04,920 --> 00:43:07,080
Speaker 2: I always tell people is like, don't worry about the branding.

841
00:43:07,160 --> 00:43:09,439
Speaker 2: It doesn't matter what your colors are, It doesn't matter

842
00:43:09,480 --> 00:43:11,920
Speaker 2: what kind of website you have. I did not just

843
00:43:12,560 --> 00:43:14,719
Speaker 2: launch a website. I launched my website two months ago.

844
00:43:15,520 --> 00:43:17,440
Speaker 2: So I hit a million dollars in revenue in my

845
00:43:17,480 --> 00:43:18,799
Speaker 2: business without a website.

846
00:43:19,520 --> 00:43:21,440
Speaker 1: Wow, Okay, you don't need a website.

847
00:43:21,520 --> 00:43:24,600
Speaker 2: So you need a landing page to sell your product,

848
00:43:25,080 --> 00:43:25,600
Speaker 2: that's it.

849
00:43:26,120 --> 00:43:29,920
Speaker 1: Yeah, So let's talk about that product. Because so you've learned,

850
00:43:30,160 --> 00:43:33,080
Speaker 1: you've learned the stock market. What is it that? So

851
00:43:33,120 --> 00:43:35,399
Speaker 1: you have a course, you have a community what?

852
00:43:35,960 --> 00:43:36,000
Speaker 2: So?

853
00:43:36,760 --> 00:43:39,440
Speaker 1: Yeah, tell the BA audience where they can find your

854
00:43:39,520 --> 00:43:41,359
Speaker 1: content and what they can expect when they do.

855
00:43:42,040 --> 00:43:45,040
Speaker 2: Sure. So I launched slate a stock market a year ago.

856
00:43:45,160 --> 00:43:48,160
Speaker 2: Actually it was exactly September a year ago, and I

857
00:43:48,280 --> 00:43:51,120
Speaker 2: reached her class. I think you, I've taught the class

858
00:43:51,200 --> 00:43:55,040
Speaker 2: live to ten people, and I was ecstatic because I'm like,

859
00:43:55,040 --> 00:43:56,640
Speaker 2: oh my god, I can't believe ten people showed up

860
00:43:56,680 --> 00:43:59,880
Speaker 2: for this amazing. And so I took all of that

861
00:44:00,080 --> 00:44:03,120
Speaker 2: content that I created for that class. And then I

862
00:44:03,320 --> 00:44:05,320
Speaker 2: message was like, well, let's turn this into a course.

863
00:44:05,480 --> 00:44:06,719
Speaker 2: You know, like you did it, you did all the

864
00:44:06,719 --> 00:44:09,319
Speaker 2: heavy lifting, you taught it, you created it. Let's turn

865
00:44:09,320 --> 00:44:13,120
Speaker 2: it into a course. And so I, you know, packaged

866
00:44:13,160 --> 00:44:15,520
Speaker 2: it in a in a digital way where people can

867
00:44:15,560 --> 00:44:18,680
Speaker 2: like purchase it altogether. And so now it's a digital

868
00:44:18,719 --> 00:44:20,600
Speaker 2: course that you can purchase, you can watch at your

869
00:44:20,640 --> 00:44:25,000
Speaker 2: own pace, and coupled with access to me with you know,

870
00:44:25,080 --> 00:44:27,400
Speaker 2: group coaching. So I go live twice a month and

871
00:44:27,440 --> 00:44:30,600
Speaker 2: I answer questions and I guide people through the material.

872
00:44:31,000 --> 00:44:34,320
Speaker 2: And so that combination of those two things is basically

873
00:44:34,440 --> 00:44:39,120
Speaker 2: you know, the product, and that's what I've been selling.

874
00:44:39,200 --> 00:44:41,840
Speaker 2: That's the only offer I have. I have no other products.

875
00:44:42,040 --> 00:44:42,480
Speaker 2: This is it.

876
00:44:42,520 --> 00:44:46,440
Speaker 1: Okay, There's no Delian t shirt, no Deli tote bag.

877
00:44:47,120 --> 00:44:51,919
Speaker 2: Nope, there's nothing else. So that's another misconception. People are like, oh,

878
00:44:52,000 --> 00:44:55,360
Speaker 2: I need multiple products, you know, to have a successful business.

879
00:44:55,520 --> 00:44:58,000
Speaker 2: Let me do this, let me do that. I barely

880
00:44:58,080 --> 00:45:01,680
Speaker 2: do sponsored content. I don't even like doing sponsored ads,

881
00:45:02,200 --> 00:45:05,120
Speaker 2: all right, I don't like it. I'm very picky with it.

882
00:45:05,160 --> 00:45:08,360
Speaker 2: I've done maybe six or seven collaborations total, in the

883
00:45:08,480 --> 00:45:11,719
Speaker 2: entire time that I've been in business. So for me,

884
00:45:11,960 --> 00:45:14,640
Speaker 2: I'm very picky about what I you know, who I

885
00:45:14,680 --> 00:45:19,880
Speaker 2: collaborate with, and but that's it. The ninety five percent

886
00:45:19,880 --> 00:45:21,239
Speaker 2: of the money that I've made in my business has

887
00:45:21,239 --> 00:45:23,160
Speaker 2: come from my course. The other five percent has come

888
00:45:23,200 --> 00:45:28,000
Speaker 2: from a few sponsorships and from speak engagements. I do

889
00:45:28,000 --> 00:45:30,800
Speaker 2: do workshops, like corporate workshops, so I've done one for Google.

890
00:45:31,000 --> 00:45:34,319
Speaker 2: I've done one for Hubble, so I do do that

891
00:45:34,400 --> 00:45:36,399
Speaker 2: as well, but the bulk of it has come from

892
00:45:36,400 --> 00:45:37,120
Speaker 2: this course.

893
00:45:37,960 --> 00:45:40,560
Speaker 1: That's exciting. So I mean, how do you keep that

894
00:45:40,600 --> 00:45:43,520
Speaker 1: fresh and engaging for yourself? Like? Do you It's only

895
00:45:43,560 --> 00:45:45,719
Speaker 1: been a year. And again I'm not trying, Like you know,

896
00:45:45,840 --> 00:45:48,760
Speaker 1: I'm not listen. I have one baby and already people,

897
00:45:49,000 --> 00:45:51,640
Speaker 1: I'm he's about to turn two. And just this morning,

898
00:45:51,680 --> 00:45:54,640
Speaker 1: I'm my mom was calling and she's like, no, no,

899
00:45:54,680 --> 00:45:58,040
Speaker 1: it's never that direct. It's always like today. It was

900
00:45:59,000 --> 00:46:01,319
Speaker 1: today it was I don't know, man, how are you

901
00:46:01,320 --> 00:46:02,920
Speaker 1: going to top this kid? I'm like, what do you mean?

902
00:46:02,960 --> 00:46:03,680
Speaker 1: How am I going to top?

903
00:46:03,719 --> 00:46:03,839
Speaker 2: End?

904
00:46:03,880 --> 00:46:05,759
Speaker 1: Well? When you know it's going to be a tough

905
00:46:05,800 --> 00:46:08,480
Speaker 1: act to follow when you have the next I'm like Bobe,

906
00:46:08,600 --> 00:46:10,759
Speaker 1: I don't know, just like I can't. I'm on the

907
00:46:10,800 --> 00:46:12,160
Speaker 1: way at the grocery store. I don't want to talk

908
00:46:12,200 --> 00:46:12,719
Speaker 1: about it right.

909
00:46:12,600 --> 00:46:13,480
Speaker 2: Now, disconnected.

910
00:46:13,680 --> 00:46:17,640
Speaker 1: Sorry, But when you think about you're so passionate and

911
00:46:17,760 --> 00:46:21,440
Speaker 1: especially about educating Latinas in this community, what do you

912
00:46:21,480 --> 00:46:23,799
Speaker 1: think is next? Is there a next level? Is there

913
00:46:23,800 --> 00:46:25,840
Speaker 1: something else that you want people to learn about that

914
00:46:25,880 --> 00:46:27,200
Speaker 1: you're equally passionate about.

915
00:46:28,040 --> 00:46:30,239
Speaker 2: I mean, now that I have launched the business from

916
00:46:30,320 --> 00:46:32,880
Speaker 2: beginning to end, right, I feel like the next progression

917
00:46:33,000 --> 00:46:37,799
Speaker 2: is helping people to understand social media better because I

918
00:46:37,840 --> 00:46:41,279
Speaker 2: absolutely love it, and I'm now noticing that people do

919
00:46:41,320 --> 00:46:45,279
Speaker 2: struggle with creating content and creating social media and understanding,

920
00:46:45,719 --> 00:46:48,440
Speaker 2: you know, how to create engaging content. For me, it's

921
00:46:48,440 --> 00:46:50,680
Speaker 2: something that comes really natural to me. Again, I think

922
00:46:50,680 --> 00:46:54,440
Speaker 2: we tend to downplay our gifts because because something comes

923
00:46:54,520 --> 00:46:56,920
Speaker 2: naturally to you doesn't mean that it doesn't have value

924
00:46:56,920 --> 00:46:59,959
Speaker 2: of you teaching it to someone else. And so that's

925
00:47:00,000 --> 00:47:02,200
Speaker 2: something that I've done my whole life, is like, oh

926
00:47:02,320 --> 00:47:04,440
Speaker 2: I understand this, so everybody else must too, and you

927
00:47:04,560 --> 00:47:08,640
Speaker 2: just assume, right. So I'm learning to like not do that.

928
00:47:09,160 --> 00:47:11,279
Speaker 2: But I think learning, you know, teaching people how to

929
00:47:11,320 --> 00:47:15,400
Speaker 2: grow on Instagram, on TikTok and and launch their own businesses.

930
00:47:15,920 --> 00:47:17,799
Speaker 2: I think that will probably be the next progression because

931
00:47:17,800 --> 00:47:21,799
Speaker 2: I get business questions all the time and so I

932
00:47:21,880 --> 00:47:24,000
Speaker 2: love talking about that just as much as investing, So

933
00:47:24,040 --> 00:47:27,480
Speaker 2: that would probably be the next product, but not for

934
00:47:27,520 --> 00:47:31,080
Speaker 2: a while. I'm like, I just feel like with investing,

935
00:47:31,480 --> 00:47:33,279
Speaker 2: it's incredible to me that people try to do so

936
00:47:33,400 --> 00:47:35,439
Speaker 2: much when it comes to the personal finance base because

937
00:47:35,440 --> 00:47:39,120
Speaker 2: I'm like, how I learned something new about investing every day,

938
00:47:39,800 --> 00:47:41,719
Speaker 2: So you know when people are like, oh, why don't

939
00:47:41,719 --> 00:47:43,279
Speaker 2: you branch out into this? Why didn't you branch out

940
00:47:43,280 --> 00:47:46,920
Speaker 2: into this? And I'm like, I feel like I am deeply,

941
00:47:47,440 --> 00:47:50,960
Speaker 2: you know, involved in investing because it's like there's constantly

942
00:47:51,000 --> 00:47:54,520
Speaker 2: new laws coming out, new regulations, just like just like

943
00:47:54,560 --> 00:47:56,719
Speaker 2: employment law. When I was an employment attorney, I'm like,

944
00:47:56,719 --> 00:47:58,960
Speaker 2: I couldn't imagine doing any other kind of law because

945
00:47:58,960 --> 00:48:02,880
Speaker 2: there's constantly new caselow coming out and keeping things fresh.

946
00:48:02,920 --> 00:48:05,520
Speaker 2: And that's how investing is. I mean, Biden is about

947
00:48:05,560 --> 00:48:08,000
Speaker 2: to pass a ton of new laws that's gonna change

948
00:48:08,000 --> 00:48:11,560
Speaker 2: the game. So I feel like that keeps things really

949
00:48:11,560 --> 00:48:12,440
Speaker 2: fresh and interesting.

950
00:48:13,160 --> 00:48:15,879
Speaker 1: Yeah, and tax codes too. I've never cared so much

951
00:48:15,880 --> 00:48:20,759
Speaker 1: about the tax code until so much. Yes, God, I

952
00:48:20,760 --> 00:48:22,400
Speaker 1: wish I could keep talking to you and asking you

953
00:48:22,440 --> 00:48:25,360
Speaker 1: a many questions, But I do want to get to

954
00:48:25,640 --> 00:48:27,600
Speaker 1: y'all's questions. You know, you got to tune in for

955
00:48:27,640 --> 00:48:29,600
Speaker 1: our B a Q and A show on Fridays. But

956
00:48:30,200 --> 00:48:33,080
Speaker 1: let me let me close with this. I mean, because

957
00:48:33,120 --> 00:48:36,040
Speaker 1: I think just from the outside looking at obviously, it

958
00:48:36,120 --> 00:48:38,560
Speaker 1: seems like Delianne, you just got here and you're already

959
00:48:38,600 --> 00:48:41,279
Speaker 1: killing the game. And you know, I'm learning a lot

960
00:48:41,320 --> 00:48:43,719
Speaker 1: just from watching you, and I'm just loving it because

961
00:48:43,760 --> 00:48:46,200
Speaker 1: it feels like there's more people at the cookout now

962
00:48:46,239 --> 00:48:47,919
Speaker 1: it's just as a party, you know what I mean,

963
00:48:47,960 --> 00:48:52,359
Speaker 1: Like there's just more voices, and I just I really

964
00:48:52,400 --> 00:48:56,200
Speaker 1: relate to your content as well. What makes you proudest

965
00:48:56,719 --> 00:48:59,800
Speaker 1: about your platform and the work that you're doing now

966
00:49:00,000 --> 00:49:02,520
Speaker 1: thinking about where you've come from and where you are now,

967
00:49:02,560 --> 00:49:07,000
Speaker 1: I mean, what brings you the most story And you're like, yeah,

968
00:49:07,080 --> 00:49:07,960
Speaker 1: I did the damn thing.

969
00:49:08,680 --> 00:49:11,799
Speaker 2: Yeah, I am just so proud that I'm opening the

970
00:49:11,880 --> 00:49:14,200
Speaker 2: door for so many people to think about money in

971
00:49:14,200 --> 00:49:17,080
Speaker 2: a different way. I've been approached by so many people

972
00:49:17,080 --> 00:49:19,839
Speaker 2: saying you know, I've heard other people talk about this,

973
00:49:20,000 --> 00:49:22,040
Speaker 2: talk about investing in the stock market, but I didn't

974
00:49:22,040 --> 00:49:25,400
Speaker 2: trust them, and I trust you, and I take that

975
00:49:25,520 --> 00:49:29,799
Speaker 2: really seriously. I'm like, wow, like having somebody's trust. I

976
00:49:29,840 --> 00:49:32,319
Speaker 2: don't take that lightly, you know. And so I don't

977
00:49:32,320 --> 00:49:34,239
Speaker 2: know if that's from me being an attorney or it's

978
00:49:34,280 --> 00:49:35,800
Speaker 2: just you know, hopefully I could say it's part of

979
00:49:35,840 --> 00:49:41,200
Speaker 2: my character and my integrity, but I take that really seriously.

980
00:49:41,280 --> 00:49:43,640
Speaker 2: I think that I'm out there representing our community and

981
00:49:43,680 --> 00:49:47,200
Speaker 2: I try to do it, you know, with nobility and

982
00:49:47,239 --> 00:49:50,200
Speaker 2: with honesty, and I always try to tell my audience

983
00:49:50,320 --> 00:49:52,920
Speaker 2: like I'm trying to be as transparent as possible. Probably

984
00:49:52,920 --> 00:49:54,680
Speaker 2: a little too much. My mom's like, do you need

985
00:49:54,719 --> 00:49:58,600
Speaker 2: to be as transparent? Yeah, some people are a little concerned.

986
00:49:58,960 --> 00:50:02,240
Speaker 2: But I'm really proud of the movement that I'm seeing

987
00:50:02,280 --> 00:50:04,399
Speaker 2: in the Latino community because I think for a long

988
00:50:04,400 --> 00:50:07,160
Speaker 2: time we have been fearful of the financial industry with

989
00:50:07,440 --> 00:50:12,560
Speaker 2: cause like we have been we have been targeted, we

990
00:50:12,640 --> 00:50:15,920
Speaker 2: have been abused, we have been neglected by the financial community,

991
00:50:16,280 --> 00:50:19,440
Speaker 2: and so I feel like I'm trying to bridge some

992
00:50:19,560 --> 00:50:22,480
Speaker 2: of that gap, and I think I'm you know, making

993
00:50:22,480 --> 00:50:25,200
Speaker 2: my own little dent in a way. And so whenever

994
00:50:25,320 --> 00:50:28,439
Speaker 2: I do meet a new Latino Latina who was like, dude,

995
00:50:28,480 --> 00:50:30,440
Speaker 2: I started investing because of you. Thank you so much

996
00:50:30,440 --> 00:50:33,080
Speaker 2: for everything that you did. That is that's a huge,

997
00:50:33,120 --> 00:50:39,480
Speaker 2: huge compliment, and I am honored that anybody is using

998
00:50:39,560 --> 00:50:43,120
Speaker 2: my content to change their life. It's amazing.

999
00:50:44,160 --> 00:50:46,760
Speaker 1: I love that I lied, though, I have another question.

1000
00:50:47,000 --> 00:50:50,799
Speaker 1: I can't stop thinking about what an extraordinary story you

1001
00:50:50,880 --> 00:50:53,879
Speaker 1: have and the fact that you got citizenship just how

1002
00:50:53,880 --> 00:50:55,480
Speaker 1: many years ago? Four or five years ago.

1003
00:50:55,520 --> 00:51:01,319
Speaker 2: Yeah, I became a citizen in twenty fifteen, so right

1004
00:51:01,320 --> 00:51:05,359
Speaker 2: before the presidential So the Trump election was my first time.

1005
00:51:08,440 --> 00:51:11,760
Speaker 1: I wanted to ask, what's your relationship? I'm still figuring

1006
00:51:11,800 --> 00:51:14,520
Speaker 1: out and I you know, I feel like Michelle Obama,

1007
00:51:14,640 --> 00:51:17,279
Speaker 1: she got into some hot water. I'm not at all

1008
00:51:17,360 --> 00:51:21,719
Speaker 1: Michelle Obama's level. But whenever anybody tries to be a

1009
00:51:21,760 --> 00:51:23,839
Speaker 1: tiny bit critical of our country, I feel like people

1010
00:51:23,920 --> 00:51:26,040
Speaker 1: get really upset about it. But you know what, Hey,

1011
00:51:26,400 --> 00:51:29,279
Speaker 1: you like your family. I feel like the country is

1012
00:51:29,320 --> 00:51:31,239
Speaker 1: my family, so I can be a little critical. You know,

1013
00:51:31,440 --> 00:51:33,200
Speaker 1: it's Thanksgiving and you come over and it's like, oh,

1014
00:51:33,200 --> 00:51:34,719
Speaker 1: it is your name? Wait, like you can say that,

1015
00:51:35,239 --> 00:51:38,000
Speaker 1: But what is your relationship like with this country now?

1016
00:51:38,040 --> 00:51:41,120
Speaker 1: I mean you you came here undocumented at eight years old,

1017
00:51:41,160 --> 00:51:45,520
Speaker 1: You're from Brazil. You you kill yourself in school to become

1018
00:51:45,560 --> 00:51:47,920
Speaker 1: an attorney. You get saddled with six figure debt, and

1019
00:51:47,960 --> 00:51:50,120
Speaker 1: by the way, got no financial aid because you weren't

1020
00:51:50,640 --> 00:51:54,640
Speaker 1: you know, a citizen. You you pay that debt off.

1021
00:51:54,719 --> 00:51:58,680
Speaker 1: Now you're teaching people to be stock market investors and

1022
00:51:58,760 --> 00:52:03,160
Speaker 1: empowering women in the Latin X community. How do you

1023
00:52:03,200 --> 00:52:06,600
Speaker 1: feel about this country? And you're about to leave us

1024
00:52:06,600 --> 00:52:08,279
Speaker 1: and I'm kind of like, well, damn, we're losing a

1025
00:52:08,280 --> 00:52:11,000
Speaker 1: good one. But how has that changed? How has your

1026
00:52:11,000 --> 00:52:12,440
Speaker 1: relationship changed with America?

1027
00:52:12,960 --> 00:52:16,000
Speaker 2: Yeah? I mean it's always going to be complex, right,

1028
00:52:16,080 --> 00:52:18,200
Speaker 2: And I think the most beautiful thing about where we

1029
00:52:18,239 --> 00:52:21,520
Speaker 2: live is the fact that just because I'm proud to

1030
00:52:21,640 --> 00:52:24,000
Speaker 2: be here and I fought really hard to become an

1031
00:52:24,040 --> 00:52:27,080
Speaker 2: American citizen and I'm so glad i am, that doesn't

1032
00:52:27,120 --> 00:52:30,080
Speaker 2: mean that I don't have a right to criticize my

1033
00:52:30,160 --> 00:52:33,440
Speaker 2: country like I have every right and I do. You know,

1034
00:52:33,640 --> 00:52:36,359
Speaker 2: I tell people all the time that capitalism is a

1035
00:52:36,480 --> 00:52:40,200
Speaker 2: problematic system, right, But we can't just opt out of it.

1036
00:52:40,640 --> 00:52:44,319
Speaker 2: So this idea of like, oh, capitalism, you know, is

1037
00:52:44,960 --> 00:52:47,359
Speaker 2: the core of everything. It's the reason why we're in

1038
00:52:47,440 --> 00:52:49,400
Speaker 2: the trouble that we are. So you shouldn't invest, you

1039
00:52:49,400 --> 00:52:52,120
Speaker 2: shouldn't put your money in these companies because that's part

1040
00:52:52,160 --> 00:52:54,080
Speaker 2: of the problem. And I'm like, that's not going to

1041
00:52:54,080 --> 00:52:57,040
Speaker 2: solve the problem. Like taking yourself out of the room,

1042
00:52:57,520 --> 00:52:59,759
Speaker 2: giving up your seat at the table is not going

1043
00:52:59,800 --> 00:53:01,719
Speaker 2: to all of the problem. If anything, I want more

1044
00:53:01,760 --> 00:53:03,600
Speaker 2: seats at the table. I want more voices at the

1045
00:53:03,640 --> 00:53:06,479
Speaker 2: table so that we can change the conversation. So that's

1046
00:53:06,880 --> 00:53:09,240
Speaker 2: how I see it. I see it as like money

1047
00:53:09,280 --> 00:53:11,120
Speaker 2: is going to give us a voice, because that is

1048
00:53:11,239 --> 00:53:14,520
Speaker 2: what is the loudest in this country, is money, And

1049
00:53:15,719 --> 00:53:18,040
Speaker 2: it's going to give us an opportunity to like say

1050
00:53:18,080 --> 00:53:20,799
Speaker 2: what's important to us, right, like, especially for Latinos, like

1051
00:53:20,840 --> 00:53:23,960
Speaker 2: we are such a force in this country, so we

1052
00:53:24,160 --> 00:53:29,839
Speaker 2: have to come together and show our voice. So for me, yeah,

1053
00:53:29,880 --> 00:53:32,400
Speaker 2: it's always going to be a complicated relationship with America,

1054
00:53:32,600 --> 00:53:35,399
Speaker 2: especially you know, going through the immigration process like I did.

1055
00:53:35,960 --> 00:53:40,160
Speaker 2: But I will never deny that my life is one

1056
00:53:40,239 --> 00:53:42,799
Speaker 2: hundred times better living here than it would have it

1057
00:53:42,800 --> 00:53:45,160
Speaker 2: would have been if I had stayed in Brazil for sure.

1058
00:53:45,440 --> 00:53:48,960
Speaker 2: If I had been in Brazil, I think, yeah, my

1059
00:53:48,960 --> 00:53:50,920
Speaker 2: life would have been completely different. I probably would have

1060
00:53:51,000 --> 00:53:53,520
Speaker 2: like three or four kids by now. This is literally

1061
00:53:53,760 --> 00:53:55,320
Speaker 2: the life that my cousins are living. They all have

1062
00:53:55,360 --> 00:53:58,120
Speaker 2: three or four kids, their stay at home moms. Not

1063
00:53:58,160 --> 00:54:00,680
Speaker 2: if there's anything wrong with that life, but it wasn't

1064
00:54:00,680 --> 00:54:03,319
Speaker 2: the life that I feel like I was, you know,

1065
00:54:03,480 --> 00:54:05,719
Speaker 2: destined to live. It would have just been the life

1066
00:54:05,719 --> 00:54:08,319
Speaker 2: that you live because of the situation that you're in,

1067
00:54:08,520 --> 00:54:10,359
Speaker 2: Like you, I would have been stripped of any other

1068
00:54:10,480 --> 00:54:15,440
Speaker 2: choices basically, So I'll never deny the opportunities that I've

1069
00:54:15,440 --> 00:54:17,520
Speaker 2: been given here. But that doesn't mean that there aren't

1070
00:54:17,680 --> 00:54:20,080
Speaker 2: points valid points to criticize.

1071
00:54:20,800 --> 00:54:24,560
Speaker 1: Yeah, and I feel like you even deserve more opportunities

1072
00:54:24,600 --> 00:54:27,759
Speaker 1: to criticize because like I was just born here. I

1073
00:54:27,840 --> 00:54:29,359
Speaker 1: ended to try that hard, you know what I mean,

1074
00:54:29,480 --> 00:54:31,920
Speaker 1: Like you had to work for it. So yeah, can

1075
00:54:31,960 --> 00:54:33,839
Speaker 1: we can we hear what Delianne has to say about

1076
00:54:33,880 --> 00:54:36,680
Speaker 1: this country, you know what I mean? So we didn't

1077
00:54:36,680 --> 00:54:37,920
Speaker 1: take a quick break, and then we're going to come

1078
00:54:37,920 --> 00:54:40,520
Speaker 1: back and do one of my favorite segments, Brown Boost,

1079
00:54:40,520 --> 00:54:43,440
Speaker 1: Brown Break. Are you ready? I'm so ready, all right,

1080
00:54:43,480 --> 00:54:46,680
Speaker 1: let's take a quick break, well a quick break. We'll

1081
00:54:46,760 --> 00:54:51,600
Speaker 1: be right back with the beautiful and delightful Delianne Bados.

1082
00:54:52,640 --> 00:54:55,120
Speaker 1: We are back, all right, Delianne. I'm putting you in

1083
00:54:55,120 --> 00:54:57,280
Speaker 1: the hot seat. You have some big budgeties to shoes

1084
00:54:57,280 --> 00:54:59,440
Speaker 1: to fill. What are you going to do? Are you

1085
00:54:59,480 --> 00:55:01,440
Speaker 1: gonna boost or are you going to break?

1086
00:55:02,280 --> 00:55:05,560
Speaker 2: Mmmm? So I'm going to do both because.

1087
00:55:07,680 --> 00:55:08,319
Speaker 1: I'll allow it.

1088
00:55:08,440 --> 00:55:12,640
Speaker 2: Yes, So I'm going to boost this meal prep company

1089
00:55:12,680 --> 00:55:14,719
Speaker 2: that I've been using because I needed to take a

1090
00:55:14,719 --> 00:55:15,360
Speaker 2: break from.

1091
00:55:15,160 --> 00:55:18,400
Speaker 1: Cooking, all right, prepper, Okay, okay.

1092
00:55:18,560 --> 00:55:21,800
Speaker 2: Cooking was just going it's it was taking over my life, Mandy.

1093
00:55:21,840 --> 00:55:24,440
Speaker 2: I just couldn't do it. I'm like, I, especially when

1094
00:55:24,440 --> 00:55:27,240
Speaker 2: you're launching a business, You're gonna end up eating takeout

1095
00:55:27,239 --> 00:55:30,120
Speaker 2: every single day, And I'm like, Okay, something needs to stop.

1096
00:55:30,600 --> 00:55:34,480
Speaker 2: So if I searched far and wide for a company

1097
00:55:34,480 --> 00:55:36,799
Speaker 2: that actually delivers like fresh food to my door, they

1098
00:55:36,800 --> 00:55:39,400
Speaker 2: do it twice a week. It's not like frozen anything

1099
00:55:39,440 --> 00:55:41,560
Speaker 2: like that. It's not I'm not going to say the

1100
00:55:41,600 --> 00:55:44,040
Speaker 2: name of any other companies, but you.

1101
00:55:44,000 --> 00:55:45,160
Speaker 1: Know what I mean, it's not for us to think

1102
00:55:45,200 --> 00:55:46,480
Speaker 1: of them.

1103
00:55:46,520 --> 00:55:49,880
Speaker 2: It's fresh delivered to my door. It's local to San Diego.

1104
00:55:50,280 --> 00:55:52,080
Speaker 2: And I'm like, that's the trick. When you're gonna find

1105
00:55:52,080 --> 00:55:53,839
Speaker 2: a company that's going to deliver food to your door,

1106
00:55:53,880 --> 00:55:56,080
Speaker 2: it has to be local. It can't be like shipped

1107
00:55:56,080 --> 00:55:59,359
Speaker 2: through the mail. So they deliver it fresh twice a week.

1108
00:55:59,560 --> 00:56:03,680
Speaker 2: It's the it's woman owned. Can I say the name

1109
00:56:03,680 --> 00:56:03,840
Speaker 2: of the.

1110
00:56:03,840 --> 00:56:06,839
Speaker 1: Company, absolutely, yeah, Okay, I'm waiting.

1111
00:56:07,040 --> 00:56:09,960
Speaker 2: Okay, good. The name of the company's Mikayla's. So if

1112
00:56:09,960 --> 00:56:14,400
Speaker 2: you're in San Diego, highly recommend. And it's been amazing

1113
00:56:14,480 --> 00:56:16,719
Speaker 2: And now I have all this free time to do

1114
00:56:16,880 --> 00:56:19,919
Speaker 2: all the other things that I do, like making more tiktoks.

1115
00:56:20,800 --> 00:56:23,439
Speaker 1: Yes, the world needs more tiktoks. Okay, please don't part

1116
00:56:23,480 --> 00:56:27,560
Speaker 1: for yourself. Clear, that's awesome. I've tried, yes, so no,

1117
00:56:27,680 --> 00:56:29,600
Speaker 1: I love that. I think I've tried all of the

1118
00:56:30,320 --> 00:56:33,759
Speaker 1: main I'm going off my microphone. Sorry, Dennis, I'm back.

1119
00:56:33,760 --> 00:56:36,560
Speaker 1: I'm back in the middle. Yeah, I think I've tried

1120
00:56:36,600 --> 00:56:39,319
Speaker 1: all of the same meal kit meal kit things, but

1121
00:56:39,680 --> 00:56:41,480
Speaker 1: especially the ones that come delivered. When I was on

1122
00:56:41,560 --> 00:56:44,279
Speaker 1: maternity leave, it was a it was a lifesaver just

1123
00:56:44,280 --> 00:56:46,239
Speaker 1: to have something I didn't have to think about. But

1124
00:56:46,360 --> 00:56:49,600
Speaker 1: just putting nutrients in my body. But like the taste

1125
00:56:49,600 --> 00:56:53,000
Speaker 1: soul begin to set, like taste the same, and that's

1126
00:56:53,000 --> 00:56:56,200
Speaker 1: that's awesome. So Mikayla's and it's local to San Diego,

1127
00:56:57,239 --> 00:56:58,600
Speaker 1: so we'll put a link to that in our show

1128
00:56:58,640 --> 00:57:02,440
Speaker 1: notes and shouts out to a woman a business. Okay,

1129
00:57:02,440 --> 00:57:04,160
Speaker 1: so that's your boost. You said you got a break.

1130
00:57:04,480 --> 00:57:05,080
Speaker 1: What's it gonna be?

1131
00:57:05,160 --> 00:57:07,680
Speaker 2: Well, that was the break though. The break was I'm

1132
00:57:07,680 --> 00:57:08,640
Speaker 2: not cooking.

1133
00:57:08,600 --> 00:57:12,920
Speaker 1: So okay, we're taking a break from cooking. Okay, gotcha.

1134
00:57:12,960 --> 00:57:16,280
Speaker 1: And the boost was Mikayla's. I see what you did there.

1135
00:57:16,360 --> 00:57:19,600
Speaker 1: That counts, that counts. It's your first time. I would

1136
00:57:19,640 --> 00:57:22,760
Speaker 1: call that a full boost because it was all positive.

1137
00:57:23,160 --> 00:57:25,560
Speaker 1: But I feel you, I feel you. We missed the break,

1138
00:57:25,800 --> 00:57:28,360
Speaker 1: you know, when you had your breakdown from trying to

1139
00:57:28,400 --> 00:57:30,920
Speaker 1: cook and do your tiktoks at the same time. But

1140
00:57:31,320 --> 00:57:33,160
Speaker 1: it works, it works, it works. I'm going to do

1141
00:57:33,200 --> 00:57:36,680
Speaker 1: a boost too, because I'm feeling pretty optimistic today. I

1142
00:57:36,720 --> 00:57:40,920
Speaker 1: don't have regular TV, so I don't watch primetime television anymore,

1143
00:57:41,040 --> 00:57:44,760
Speaker 1: so I didn't watch the Emmys, but thank goodness for

1144
00:57:44,920 --> 00:57:48,280
Speaker 1: IG because I was able to watch the incomparable Debbie

1145
00:57:48,320 --> 00:57:51,840
Speaker 1: Allen's acceptance speech. So, Debbie Allen, are you familiar with

1146
00:57:51,880 --> 00:57:54,880
Speaker 1: her or her work? If you're a Graz's Anatomy fan,

1147
00:57:55,000 --> 00:57:57,400
Speaker 1: I'm like, you know, stand from the beginning. That is

1148
00:57:57,440 --> 00:58:02,480
Speaker 1: where I became familiar with her as as Catherine, doctor Catherine. Wait,

1149
00:58:02,480 --> 00:58:05,840
Speaker 1: why I'm Avery on Gray's Anatomy. But she is so

1150
00:58:06,080 --> 00:58:08,960
Speaker 1: much more than an actress. Debbie Allen is iconic as

1151
00:58:09,000 --> 00:58:15,200
Speaker 1: a dancers, as someone who's created opportunities for black and

1152
00:58:15,240 --> 00:58:18,439
Speaker 1: brown especially youth to become to have a to get

1153
00:58:18,440 --> 00:58:21,520
Speaker 1: a career in dance and to find their way. And

1154
00:58:21,520 --> 00:58:25,600
Speaker 1: she's a director and amazing, amazing, and she won the

1155
00:58:25,640 --> 00:58:29,320
Speaker 1: Spectacular Award at the Emmys, the Governor's Award or something miraculous.

1156
00:58:29,720 --> 00:58:33,920
Speaker 1: But her speech was just so powerful, And I encourage

1157
00:58:34,000 --> 00:58:37,640
Speaker 1: anyone who's listening right now to go find Debbie Allen's

1158
00:58:37,680 --> 00:58:40,880
Speaker 1: speech because to see, just see a black woman who

1159
00:58:40,880 --> 00:58:45,280
Speaker 1: has been doing the work for decades get her flowers.

1160
00:58:45,360 --> 00:58:47,600
Speaker 1: It doesn't get her flowers while she's still here, you

1161
00:58:47,640 --> 00:58:49,440
Speaker 1: know what I mean? Yes, I just feel like it

1162
00:58:49,760 --> 00:58:53,520
Speaker 1: doesn't happen enough. And her speech was at the very

1163
00:58:53,600 --> 00:58:56,120
Speaker 1: end she goes, you know, I want people to hear

1164
00:58:56,160 --> 00:58:58,920
Speaker 1: this speech from Texas women to hear young women to

1165
00:58:58,920 --> 00:59:01,320
Speaker 1: hear this speech from Texas all the way to Afghanistan

1166
00:59:01,960 --> 00:59:05,640
Speaker 1: and be inspired. And I just love her so much, so,

1167
00:59:05,920 --> 00:59:07,240
Speaker 1: shouts out to Debbie Allen.

1168
00:59:08,280 --> 00:59:10,520
Speaker 2: I usually don't watch a word show, but I'm like,

1169
00:59:10,560 --> 00:59:12,320
Speaker 2: now I'm gonna have to look that up because that

1170
00:59:12,400 --> 00:59:15,280
Speaker 2: sounds like it was worthy of watching. You know.

1171
00:59:15,960 --> 00:59:17,960
Speaker 1: I like to just look at the highlights, So what

1172
00:59:18,120 --> 00:59:21,800
Speaker 1: was the best speech? Who looked crazy? You know VMA's

1173
00:59:21,880 --> 00:59:25,400
Speaker 1: or this. I'm just now finishing the VMA's performances, and

1174
00:59:25,760 --> 00:59:28,320
Speaker 1: I know most of the performances this year. I feel

1175
00:59:28,320 --> 00:59:31,000
Speaker 1: like I'm catching up with the youth, and I.

1176
00:59:30,960 --> 00:59:33,320
Speaker 2: Feel like I'm not. And I'm on TikTok and I'm like,

1177
00:59:33,320 --> 00:59:35,520
Speaker 2: I don't know any of these musics, but I use

1178
00:59:35,560 --> 00:59:37,640
Speaker 2: them because they're trending. They're like, oh you know the song.

1179
00:59:37,680 --> 00:59:41,800
Speaker 2: I'm like, no, it's trending. But I did catch like

1180
00:59:41,800 --> 00:59:44,640
Speaker 2: the met Gala, Like that's always fun to see what

1181
00:59:44,760 --> 00:59:46,960
Speaker 2: nobody's wearing. So I did catch that. And I even

1182
00:59:47,000 --> 00:59:49,840
Speaker 2: made a meme of Kim Kardashian because everybody was.

1183
00:59:49,800 --> 00:59:52,960
Speaker 1: Meing that's where I saw it. Yes, listen, we could

1184
00:59:52,960 --> 00:59:55,439
Speaker 1: spend an entire day about like, what did you say

1185
00:59:55,440 --> 00:59:58,200
Speaker 1: her outfit was like the debt coming up the stairs

1186
00:59:58,200 --> 00:59:59,560
Speaker 1: to get you or something like that.

1187
01:00:00,400 --> 01:00:04,600
Speaker 2: I did a few. I was like, like, her sister

1188
01:00:05,040 --> 01:00:08,480
Speaker 2: was Friday, and then Kim was Sunday Scaries. And then

1189
01:00:08,520 --> 01:00:13,600
Speaker 2: the other one I did was her sister was leaving

1190
01:00:13,640 --> 01:00:16,840
Speaker 2: Corporate America, and then Kim was health insurance.

1191
01:00:16,760 --> 01:00:21,120
Speaker 1: Because oh yes, can we wait a second, we didn't

1192
01:00:21,160 --> 01:00:24,480
Speaker 1: talk about that. What do you do for health insurance? Yeah?

1193
01:00:24,560 --> 01:00:26,400
Speaker 2: I paid seven hundred dollars a month.

1194
01:00:26,320 --> 01:00:31,080
Speaker 1: For Cobra Cobra Okay, yeah, so I could.

1195
01:00:30,960 --> 01:00:33,800
Speaker 2: Have gone in the marketplace and gotten something cheaper. But again,

1196
01:00:33,840 --> 01:00:35,600
Speaker 2: it was one of those things where I did a

1197
01:00:35,600 --> 01:00:37,840
Speaker 2: cost benefit analysis of like how much do I want

1198
01:00:37,880 --> 01:00:40,520
Speaker 2: to aggravate myself shopping for health insurance so that I

1199
01:00:40,520 --> 01:00:43,000
Speaker 2: could potentially maybe save two hundred dollars a month, which,

1200
01:00:43,120 --> 01:00:45,240
Speaker 2: by the way, I'm not denying that two hundred dollars

1201
01:00:45,240 --> 01:00:47,720
Speaker 2: a month is a lot of money, but for me personally,

1202
01:00:47,760 --> 01:00:49,760
Speaker 2: I'm like, is it worth it for me? And so

1203
01:00:49,840 --> 01:00:51,880
Speaker 2: I made the decision to keep the health insurance that

1204
01:00:51,920 --> 01:00:54,680
Speaker 2: I had. Again, I'm not planning to stay here forever.

1205
01:00:54,800 --> 01:00:57,560
Speaker 2: How much longer the country, so by the time my

1206
01:00:57,560 --> 01:01:00,320
Speaker 2: Cobra runs out, hopefully I won't be here and I'll

1207
01:01:00,360 --> 01:01:02,600
Speaker 2: be on that sweet sweet Portugal insurance that is only

1208
01:01:02,640 --> 01:01:05,640
Speaker 2: one hundred dollars a month. Thank you, amen, So I

1209
01:01:05,720 --> 01:01:06,760
Speaker 2: am waiting for that.

1210
01:01:07,520 --> 01:01:10,360
Speaker 1: I'm so glad you brought that up. People think solo

1211
01:01:10,360 --> 01:01:14,000
Speaker 1: preneur life is so sexy, and it's like, are you

1212
01:01:14,160 --> 01:01:17,320
Speaker 1: trying to have healthcare when you need it? Yeah, like

1213
01:01:17,640 --> 01:01:19,480
Speaker 1: you know what I mean, especially now of all time.

1214
01:01:19,520 --> 01:01:23,360
Speaker 1: So thanks for sharing that. Okay, this has been amazing, Delian.

1215
01:01:23,520 --> 01:01:26,439
Speaker 1: Thank you so much again for saving my as you say,

1216
01:01:26,520 --> 01:01:32,320
Speaker 1: my kulo and us. Thank you because Tiffany, Tiffany is

1217
01:01:32,360 --> 01:01:33,960
Speaker 1: off on the west I think she's on your side

1218
01:01:33,960 --> 01:01:36,080
Speaker 1: of town. She's on the West coast doing something fabulous

1219
01:01:36,120 --> 01:01:40,360
Speaker 1: in California. So thank you so much. I'm just loving.

1220
01:01:40,520 --> 01:01:42,200
Speaker 1: Thank you for doing what you're doing. It's so fun

1221
01:01:42,240 --> 01:01:45,400
Speaker 1: to watch you sore and it's so it's just nice

1222
01:01:45,400 --> 01:01:48,360
Speaker 1: to meet you and put a put a voice to

1223
01:01:48,480 --> 01:01:50,120
Speaker 1: the face and the name that I see so much.

1224
01:01:50,160 --> 01:01:51,360
Speaker 1: Thank you for joining us.

1225
01:01:51,560 --> 01:01:53,840
Speaker 2: Thank you for having me. This is an absolute honor.

1226
01:01:53,960 --> 01:01:57,080
Speaker 2: I love the show. I'm obsessed, and congratulations on launching

1227
01:01:57,120 --> 01:01:57,800
Speaker 2: your business too.

1228
01:01:58,240 --> 01:02:00,680
Speaker 1: Thank you. You know I'm doing it. All you gotta

1229
01:02:00,720 --> 01:02:02,600
Speaker 1: do is put it up on Instagram apparently in your

1230
01:02:02,680 --> 01:02:06,720
Speaker 1: business owner done. But it's amazing. All right, Well, thank

1231
01:02:06,800 --> 01:02:09,400
Speaker 1: y'all for listening. Stick around Delian because we're going to

1232
01:02:09,440 --> 01:02:12,240
Speaker 1: take some questions for Friday's be A, Q and A.

1233
01:02:12,720 --> 01:02:14,840
Speaker 1: But for those of you who don't follow Delian the

1234
01:02:14,840 --> 01:02:16,720
Speaker 1: Money Coach, you have got to follow her. Check the

1235
01:02:16,760 --> 01:02:19,320
Speaker 1: show notes. We'll have all of her socials there. Find

1236
01:02:19,320 --> 01:02:21,240
Speaker 1: out how you can slay the stock market as well

1237
01:02:21,480 --> 01:02:24,120
Speaker 1: at her website, so definitely scroll on down to the

1238
01:02:24,120 --> 01:02:26,160
Speaker 1: show notes and get all of those links