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Speaker 1: Hey va fam, Welcome to Brown Ambition. I don't know

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Speaker 1: if y'all have clocked it, but every Sunday, if you're

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Speaker 1: listening to the show right now, actually in fact it's Sunday,

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Speaker 1: it is a very special day. It is a brand

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Speaker 1: new episode that I have started the past I don't know,

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Speaker 1: like a few weeks, a couple months now that I've

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Speaker 1: been doing it. I'm calling it wash Day. Woosah. And now,

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Speaker 1: if y'all know, wash day is the day. And that

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Speaker 1: can mean wash your hair, it can mean wash the windowsills.

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Speaker 1: My mom was always obsessed with washing the windowsills and

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Speaker 1: all those little nooks and crannies. It was like a

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Speaker 1: deep clean kind of day. But it's the kind of

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Speaker 1: episode that I want y'all to listen to while you

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Speaker 1: are doing some self care, while you are catching up

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Speaker 1: after a crazy week of work and wifing and partnering

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Speaker 1: and friending and sistering and daughtering and neighboring and all

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Speaker 1: the things. It is so much. I'm hoping that these

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Speaker 1: Sunday episodes would just be a time for you to

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Speaker 1: unplug a lie little bit and while you are catching up

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Speaker 1: on some self care or whatever you have to be

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Speaker 1: doing that, you can be listening to Brown Ambition, get

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Speaker 1: a little inspo, get some food for the soul and

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Speaker 1: for the mind. And I'm really really grateful to be

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Speaker 1: here with my guest for today, friend of the show,

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Speaker 1: two time Brown and Bull now three time Brown Ambition

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Speaker 1: guest for a va QA. But we have Giovanna gg

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Speaker 1: Gonzalez here, aka the first gen Mentor, and she's here.

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Speaker 2: What us Hey gg, Hey, Mandy, how are you?

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Speaker 1: Don't you just love technology because I just love that

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Speaker 1: we are in completely different countries and just yeah, we're

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Speaker 1: making continents, even making a whole episode of Brown Ambition together.

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Speaker 1: Welcome back to the show.

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Speaker 2: Thanks for having me on.

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Speaker 1: What do you do? What's your version of wash day? WUSA?

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Speaker 1: Do you have a wash day or like a day

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Speaker 1: of the week that's just about gig.

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Speaker 2: Since I've moved to Spain, I get that usually Monday

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Speaker 2: through Friday in the mornings, which is nice.

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Speaker 1: Oh. I love that. Yeah, anytime I drop the kids off,

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Speaker 1: it's like my little WUSAW moment of the week. Unfortunately,

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Speaker 1: I don't hit a wash day we saw on Sunday

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Speaker 1: because weekends are like a full contact sport and I'm

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Speaker 1: just like chasing and running, and I'm like, but but

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Speaker 1: I am down from Monday through Friday. That's mommy's time, Like,

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Speaker 1: there's childcare. So you mentioned Spain and I'm getting ahead

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Speaker 1: of myself because i want bea fan. Reintroduce us to

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Speaker 1: you to Gigi, the founder of First and Mentor, author,

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Speaker 1: best selling book author, speaker of financial coach, all the things.

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Speaker 1: Tell us quickly a little bit about you.

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Speaker 2: Yes, my name is Gigi. It's a common nickname that

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Speaker 2: my community knows me by on TikTok, Instagram and LinkedIn.

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Speaker 2: And I'm a former investment professional, turn TikToker, financial educator

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Speaker 2: and author of Gutura and Cash.

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Speaker 1: Kultura in Cash and Kultura. And it's only a year

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Speaker 1: and a half old. Don't need to go get your

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Speaker 1: copy please.

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Speaker 2: The audiobook is still too.

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Speaker 1: You did an audiobook too.

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Speaker 2: I narrated it. Yeah, so when we did our interview

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Speaker 2: for the launch, it wasn't available yet because I hadn't

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Speaker 2: narrated it. It's up now, Oh nice.

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Speaker 1: So where can you get it?

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Speaker 2: Wherever you get your audiobooks, And the same thing for

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Speaker 2: the physical book wherever you get your books, either on

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Speaker 2: your local bookstore or the Library, Amazon dot com, Maarnes

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Speaker 2: and Noble, all.

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Speaker 1: Those places, Amazing bookshop dot org. We love them. Support

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Speaker 1: local bookstores. All right, Well, I know that you randomly

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Speaker 1: popped into my mind, and that's how you're on the

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Speaker 1: show right now. I was like, Gigi, I love her.

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Speaker 1: Why haven't I had her on the show recently? I

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Speaker 1: did her on the show and thank you for being

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Speaker 1: down so last minute to come on. But in the

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Speaker 1: midst of trying to get you on, I find out

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Speaker 1: you ain't even in this country no more. You're in

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Speaker 1: a whole different a different continent, as you say, And

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Speaker 1: I'm like, rat, when did you move to? Because you're

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Speaker 1: my Chicago girl and you did my favorite thing ever,

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Speaker 1: which is you're like, yes, life update, here's a podcast episode.

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Speaker 1: You can listen to this, And I'm like, it's great,

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Speaker 1: because why don't we all do that for each other.

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Speaker 1: Just once a month, drop a podcast episode for your

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Speaker 1: family and friends. Just cut this up, because if you're

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Speaker 1: trying to rely on the Instagram or TikTok algorithm to

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Speaker 1: update you and show and like to show me gg content,

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Speaker 1: it's not happening. I'm getting gardening, I'm getting Nicolandria, I'm

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Speaker 1: getting that's it, gardening and Nicolandria. But I'm so excited

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Speaker 1: for you. So this was not an overnight thing. You know,

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Speaker 1: you didn't just up and move to Spain. You and

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Speaker 1: your partner move together. But this was years in the

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Speaker 1: making and it's been part of your financial journey. And

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Speaker 1: I know there's lots of ba Faan listening who probably

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Speaker 1: fantasize about living in a different country and you know,

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Speaker 1: just getting a different culture. And you know, they say

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Speaker 1: your money goes so much further outside the US. So

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Speaker 1: bring me to the beginning and tell us all about

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Speaker 1: the journe me of y'all picking up and moving to

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Speaker 1: Spain and how you financially planned for that.

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Speaker 2: Sure, so the beginning would go back to twenty eight

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Speaker 2: No Online twenty nineteen. That was when I went back

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Speaker 2: to my former high school to do a career day

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Speaker 2: and I spoke to seven classrooms of Algebra one students

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Speaker 2: and shared with them my career journey right as an

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Speaker 2: investment professional. I also talked about my college journey. Yeah, no,

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Speaker 2: it was. It's honestly one of my favorite days of

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Speaker 2: my whole entire life. I've never felt that I gat

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Speaker 2: to see. Oh yeah, I highly recommend it for anybody

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Speaker 2: that hasn't done career day at their former school.

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Speaker 1: It was an amazing field, especially those people don't know

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Speaker 1: how to contact me. I don't know if I want

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Speaker 1: to go back to my high school.

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Speaker 2: Well, I reached out to them because I'm still in touch. Yeah,

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Speaker 2: I'm still in touch with a few of my teachers

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Speaker 2: through Facebook. So one of my teachers posted, we're looking

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Speaker 2: at We're looking for any former students if you guys

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Speaker 2: want to come. And for me, that was really important

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Speaker 2: for me to do because I come from a cowtown.

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Speaker 2: It's a small agricultural border town in California, very under resourced, underfunded,

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Speaker 2: and these kids don't have exposure to many job careers

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Speaker 2: outside of working for the hospital sector or the medical

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Speaker 2: field or working in the border patrol because they're right

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Speaker 2: by the border. So I wanted to expose them to

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Speaker 2: a career in finance and investments. So AnyWho. All of

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Speaker 2: that to say is that when I was talking to

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Speaker 2: the seven classrooms of kids, and this is important because

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Speaker 2: I said it seven times, I repeated my story seven times.

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Speaker 2: When I shared my college journey, I told them that

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Speaker 2: my biggest regret was not studying abroad that the reason

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Speaker 2: I didn't study abroad was because I didn't have money

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Speaker 2: to study abroad and pay for that. I was living

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Speaker 2: off student loans, loans, and I didn't want to have

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Speaker 2: to take out yet another five to ten thousand for

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Speaker 2: a fun semester in Spain or wherever I was going

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Speaker 2: to study abroad, So instead I just stayed at UC

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Speaker 2: Santa Barbara, and I told the kids. Everybody that I

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Speaker 2: know that has studied abroad, and even if they've had

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Speaker 2: to take out loans for it, their face lights up

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Speaker 2: anytime they talk about that period of their life. So

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Speaker 2: I'm like, you're you're not going to regret it, just

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Speaker 2: because of the experience a unique experience it is to

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Speaker 2: be that age with few responsibilities in a new country. Partying,

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Speaker 2: yeah all, but I know, right, no responsible fat You're

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Speaker 2: all cute.

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Speaker 1: But I'm just like thinking, like, go get you a

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Speaker 1: Latin love. I mean, that was my m I was

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Speaker 1: Latin lover. But go get you a little romance overseas romance.

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Speaker 2: Yes, yes, yes, yes, So again that was my biggest

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Speaker 2: regret and I shared that with the kids, and after

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Speaker 2: that that career day, I was definitely reflect on how

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Speaker 2: I felt, and I had a moment of woe is

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Speaker 2: me of like wow, like, well, I'm glad I got

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Speaker 2: to share this regret with the kids so they can

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Speaker 2: hopefully avoid it. But what about me is is that

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Speaker 2: it like I really am not going to get an

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Speaker 2: opportunity to experience life abroad because I'm past college age

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Speaker 2: and I'm a you know, mid career professional.

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Speaker 1: Oh how old are you? You're like thirty two years old?

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Speaker 2: Stop it, I am not I look young, but I

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Speaker 2: am going to be thirty six next month. I'm willing young.

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Speaker 1: Thanks think it's young because I'm only thirty seven, so

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Speaker 1: please we have to be the same age.

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Speaker 2: Yeah, yeah, yeah, I mean, I just I've been around

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Speaker 2: the block though, you know, so I've yeah, we've been

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Speaker 2: around the block at this age. So that's when I

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Speaker 2: started googling ways to still have a broad experience while young.

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Speaker 2: I didn't want to have to wait until I retire

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Speaker 2: to be able to do something like that. Yeah, and

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Speaker 2: I can't hurt yeah yeah, because retirement may not come.

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Speaker 2: You know a lot of people don't make it. That's

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Speaker 2: a reality, right, So I googled it, and I came

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Speaker 2: across this notion of a sabbatical. I say this notion

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Speaker 2: because in twenty nineteen they weren't common, and now post pandemic,

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Speaker 2: I think most people know what a sabbatical is. It's

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Speaker 2: extended time off from work. So in twenty nineteen, after

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Speaker 2: that career day, was when I had this epiphany of

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Speaker 2: that's what I want my big financial goal to be.

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Speaker 2: For other people, right, it's starting a family, buying their

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Speaker 2: first home, starting a business. Everybody has their own goals, right,

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Speaker 2: But for me, I really wanted to have the ability

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Speaker 2: to quit my job and go on a one year sabbatical.

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Speaker 2: So I started getting all my ducks in the role

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Speaker 2: and learning about personal finance. That's how I became a

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Speaker 2: money nerd chasing that dream. And just as I was

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Speaker 2: two thirds of the way to my savings goal, this

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Speaker 2: thing called the pandemic happened and all traveling came to

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Speaker 2: a screeching halt. There was no end in sight of

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Speaker 2: when the pandemic would end and borders would open. So

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Speaker 2: instead of using that money for a one year sabbatical,

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Speaker 2: I used it to start my brand, the First Gen Mentor,

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Speaker 2: which is what I do now as a content creator

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Speaker 2: and a financial educator. But now that I've been doing

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Speaker 2: this for four years. I've gotten my online service based

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Speaker 2: business in a place where I can take it abroad

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Speaker 2: with me. So now instead of being able to go

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Speaker 2: away for a year and have to go back to corporate,

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Speaker 2: I now can stay here in Spain long term because

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Speaker 2: I work for myself and I work remotely. So it's

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Speaker 2: been a long, windy journey, but I'm really happy I

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Speaker 2: stuck with the goal and you're there on a special

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Speaker 2: visa that you wouldn't have been able to do if

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Speaker 2: you had, you know, gone for your sabbatical, because at

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Speaker 2: the time you didn't.

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Speaker 1: You weren't the gig, the first gen mentor a digital

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Speaker 1: creator and businesswoman. So talk about this visa because I

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Speaker 1: don't think you even existed back when you first thought

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Speaker 1: about my being abroad, right.

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Speaker 2: No, no, So back then I would have had to,

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Speaker 2: you know, do like country hopping and because yeah, you're

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Speaker 2: only allowed to stay for a certain amount of time

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Speaker 2: based on your passport and based on the country. Your

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Speaker 2: listeners are smart, so I'm sure they won't be surprised

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Speaker 2: to know that, yes, you do need visa to stay

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Speaker 2: long term in certain countries. So yes, back then, nothing

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Speaker 2: like that existed, and that's one of the good things

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Speaker 2: of the pandemic that remote work became a more widespread

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Speaker 2: and with that this digital nomad life as well. So

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Speaker 2: a lot of countries have taken notes that digital nomads

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Speaker 2: are typically high skilled professionals that can pay taxes, which

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Speaker 2: is ultimately why they offer the visa, because they want

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Speaker 2: to be able to attract those types of people and

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Speaker 2: have them pour into the local community as well as

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Speaker 2: pay taxes into the new country.

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Speaker 1: What an interesting concept. A country that actually welcomes immigrants

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Speaker 1: couldn't be America.

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Speaker 2: Could be a country I will say tax res. I

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Speaker 2: will say though this also, you know, yeah, they don't

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Speaker 2: do it out of the kindness of their heart. Again,

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Speaker 2: it's all because they're underfunded here with their social security

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Speaker 2: system and their pension system. And also it's definitely elitist.

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Speaker 2: I will acknowledge that in the sense that they require

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Speaker 2: a college education to be able to qualify for this visa.

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Speaker 2: They require that you have three years work experience in

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Speaker 2: this particular field. So if you're a new business owner

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Speaker 2: that just started this a year ago, you still wouldn't

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Speaker 2: be eligible. So, like I said, there's there's some elitism there.

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Speaker 1: Too, and you But now that you're there and you've

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Speaker 1: had all these qualifications, you had to work with an attorney. Right?

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Speaker 1: How long was the whole process and how much did

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Speaker 1: it cost? If anything?

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Speaker 2: Sure? I did not have to work with an attorney. Surprisingly,

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Speaker 2: a lot of people di wyatt. I got a really

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Speaker 2: good analogy from a Facebook community that I was a

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Speaker 2: part of. They said, can you change your own car oil?

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Speaker 1: Sure?

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Speaker 2: Do you want to? No? So that was a big

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Speaker 2: eye opener for me of like, I am not going

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Speaker 2: to dihy this. And another big motivator was are you

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Speaker 2: a night a fiance fan?

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Speaker 1: I love that show? Yes?

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Speaker 2: Okay, do you remember Geno and Jasmine?

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Speaker 1: Wait? No, I don't. I'm bad with their names. What

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Speaker 1: was their so?

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Speaker 2: Jasmine from Panama? They're they're popular. Geno'sone with the hat

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Speaker 2: and then Jasmin's from Panama Latino, big old lips, big

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Speaker 2: old booty, big old ass.

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Speaker 1: Oh damn, I must be behind. I haven't watched that season.

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Speaker 2: Okay, Yeah, they're huge because they've been on a couple

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Speaker 2: of seasons. So there is anybody that's a regular, they're

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Speaker 2: probably like screaming right now. They're like, well, how do

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Speaker 2: you not know? Geno, Jasmin of your name?

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Speaker 1: Sorry, I know the family Chantelle. That was the last season.

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Speaker 2: I wat, Yes, they're great too, They're great too, Yes, yes,

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Speaker 2: so so Gino and Jasmine. The reason I bring them

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Speaker 2: up is because Gino brought Jasmine from Panama and he

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Speaker 2: was cheap and didn't hire a lawyer, so when he applied,

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Speaker 2: he forgot to include her children on the visa, and

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Speaker 2: that was a whole storyline of like, you idiot, now

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Speaker 2: we have to restart the problem. Yeah. So I saw

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Speaker 2: that horror story and I said, we're not doing any

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Speaker 2: of that. We are going to pony up the money

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Speaker 2: to have an expert help us with this. So we

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Speaker 2: did hire an attorney. The investment was for two people,

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Speaker 2: because it was for me and my spouse. I believe

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Speaker 2: it was a little over three thousand dollars, so not cheap,

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Speaker 2: not cheap, but not terrible. The rates have gone up,

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Speaker 2: I'd say, because I know somebody that did this a

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Speaker 2: couple of years ago and it was only one thousand dollars.

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Speaker 2: So as more people are looking to migrate, I think

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Speaker 2: the fees are going up.

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Speaker 1: And your husband what does he do?

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Speaker 2: He works for an construction consulting company and he does

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Speaker 2: operation one remotely. He's been with them three years. Yeah, yeah,

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Speaker 2: so he's fully remote to and luckily, because he does

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Speaker 2: work for a global company, they do have a Spanish

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Speaker 2: entity and they allowed him to transfer to Spain to

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Speaker 2: keep his rolling and all that.

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Speaker 1: So that was nice, nice, Okay. And is he neither

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Speaker 1: one of y'all? I mean, you're a Mexican from Mexican descent,

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Speaker 1: Mexican American, your husband is he Spanish at all?

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Speaker 2: He is? His parents His mom is white like from

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Speaker 2: England back in the day, and then his father is

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Speaker 2: like seventh generation Mexican American.

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Speaker 1: Okay.

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Speaker 2: So yeah, so he'd never learned Spanish because the mom

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Speaker 2: was a matriarch in the family, so whatever the mom

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Speaker 2: said went and she didn't learn, she didn't know Spanish.

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Speaker 2: So there was only English book in the household. So

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Speaker 2: that's been an adjustment for him for sure, having to

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Speaker 2: learn Spanish to be in Valencia.

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Speaker 1: Heyba, fam we got to take a quick break, pay

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Speaker 1: some bills and we'll be right back. Well, you also,

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Speaker 1: I mean, you've been on this journey to improve when

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Speaker 1: you are you speak Spanish, right, but you know, I

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Speaker 1: think like a lot of first gen children, you may

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Speaker 1: not be the kind the level of fluency that you

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Speaker 1: would like. So are you loving getting to speak You're

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Speaker 1: you know, so I know it's a different kind of Spanish,

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Speaker 1: but still speak Spanish every day. How's that going?

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Speaker 2: It's going great. Yeah, And for a little context, I

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Speaker 2: shared my journey to reclaiming Spanish because Spanish was my

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Speaker 2: first language, like a lot of first gen and then

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Speaker 2: I learned English later in life, I think at the

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Speaker 2: age of five or six. The reason I was sharing

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Speaker 2: that experience online was because I was looking to level

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Speaker 2: up my professional Spanish. I am. I've tested myself, so

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Speaker 2: I'm at a C one level. I don't know if

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Speaker 2: you're familiar with the levels of language proficiencies now, so it's.

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Speaker 1: Age Oh I am with my son because he's getting

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Speaker 1: that kind of assessment in school, but not for another language.

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Speaker 2: Nice. Yeah, So the highest level is C two. That's

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Speaker 2: when you fully like English. Is I'm a C two level, right,

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Speaker 2: I'm English dominant and then for Spanish I tested at

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Speaker 2: C one, which is just the one level below completely dominant.

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Speaker 1: Yeah.

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Speaker 2: Yeah, thanks. So that's because again what I'm lacking is

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Speaker 2: the professional Spanish, the corporate talk or even the personal

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Speaker 2: finance lingo that we didn't speak in my Mexican household, right,

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Speaker 2: So where would I ever have learned that? So I

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Speaker 2: hired a tutor to help me be more comfortable with

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Speaker 2: what would you would call professional Spanish and not Spanish

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Speaker 2: from rancho, you know, or whatever we use at home.

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Speaker 1: Well, I thought it was amazing. You know, our girl

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Speaker 1: Janise Torres her book Financially Lit, she did a Spanish

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Speaker 1: language version of that, and that's not nothing like, that's huge.

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Speaker 1: It's huge. Do you think there's a Spanish language version

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Speaker 1: of Cultura and Cash in the future.

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Speaker 2: Yeah, funny that you ask. It's the number one question

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Speaker 2: my readers ask me. It's definitely a resource that we

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Speaker 2: need in the community. The English version has been such

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Speaker 2: a success, and the Spanish version will allow English dominant

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Speaker 2: readers to help their Spanish dominant parents or other family members.

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Speaker 2: Understand this because the feedback I've gone is like, great,

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Speaker 2: now I know what to do with my money, But

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Speaker 2: if I want to help my mom, I don't know

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Speaker 2: how to explain interest rate in Spanish or compound interest

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Speaker 2: in Spanish. So they want the language. So yeah, something

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Speaker 2: I'm actively working on on trying to secure funding. If

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Speaker 2: for anybody, I didn't listen to the episode when I

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Speaker 2: talked about the process of publishing in Cash, I secionally

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Speaker 2: self published. I did hybrid publishing, so I paid to

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Speaker 2: have my book published. I did not get a book deal,

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Speaker 2: so that's why I have to come up with the

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Speaker 2: money to fund the translation. So that's in the work.

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Speaker 2: Stay tuned.

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Speaker 1: You chose that path, you know, you could have had

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Speaker 1: a traditional book deal had you wanted, but you were cool.

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Speaker 1: You got like a grant from TikTok and you did

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Speaker 1: it on your own, and that's just another path. But

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Speaker 1: you just let me know. I'll put you onto my

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Speaker 1: publisher real quick. I'm sure they would make you.

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Speaker 3: Yeah, okay, So actually share with you because I think

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Speaker 3: it's fun to kind of share this of the avenues

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Speaker 3: I'm exploring to get that translation done.

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Speaker 2: Yeah yeah, yeah, So I just sent a newsletter about

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Speaker 2: this to my email community, so that's why it's super

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Speaker 2: fresh in my mind. So I said, guys, these are

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Speaker 2: the avenues I've explored trying to one another grant. Thanks

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Speaker 2: to Trumpty Dumpty, those grants are more limited now.

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Speaker 1: Right, y' know that one?

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Speaker 2: Yeah, well, you know I heard Rosie O'Donnell called them

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Speaker 2: the tangerine Mussolini and I'm like, oh, I love that one.

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Speaker 2: That one's such a good one.

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Speaker 1: Yes, that's a good one, like disgusting Ben and Jerry's flavor.

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Speaker 2: Yeah, because like I feel like orange Cheeto's overplayed, so

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Speaker 2: tangerine mussolinium like that is.

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Speaker 1: Yeah, that's good. Yeah.

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Speaker 2: I like Trumpy Dumpty because he's shaped like Trumpty Dumpty.

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Speaker 2: So we hopefully we're allowed to body shane Donald.

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Speaker 1: Trump only Donald Trump and Mitch McConnell exclusively.

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Speaker 2: Then yeah right, so yeah, So again, grants aren't as

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Speaker 2: plentiful as they were in twenty twenty two. When I

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Speaker 2: won the grant funding to publish the English version. I

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Speaker 2: also got the interest of a California philanthropist that was

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Speaker 2: looking to fund the project, but we have it heard back.

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Speaker 2: And then I also looked into selling ad space. I thought, honestly,

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Speaker 2: I thought I thought I had I was gonna eat.

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Speaker 2: I was like, Oh, they're going to jump on this.

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Speaker 2: People's gonna yeah. I like small business owners. I would want,

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Speaker 2: you know, a promotion in my very specific book in perpetuity,

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Speaker 2: not one bite. So I'm like, all right, I'm trying people.

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Speaker 1: I'm trying, right, So g having like classified or like

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Speaker 1: newspaper advertising. I mean that's a that's a dusty old

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Speaker 1: kind of you know, that's old school.

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Speaker 2: Well, the thing is, though, I was again, I have

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Speaker 2: a very targeted reader because my book isn't for everybody.

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Speaker 2: It's very much for the first on community. So any

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Speaker 2: financial planners, any attorneys that are trying to target that person,

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Speaker 2: it would be a great way to get eyes to

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Speaker 2: them because those people are already my readers already reach

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Speaker 2: out to me. Do you have an estate attorney? You

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Speaker 2: can refer me to a financial planner that is familiar

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Speaker 2: with first and finances. So there's already that need. But

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Speaker 2: again there were no how much.

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Speaker 1: Would you need to raise? Like, how much would it

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Speaker 1: actually cost?

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Speaker 2: It's actually not that much. It's twenty five thousand dollars. Yeah,

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Speaker 2: So right now I'm on step four of my attempt,

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Speaker 2: and that is to go to Eva. So for people

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Speaker 2: who haven't read the book, I am proud to share

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Speaker 2: the book was endorsed by Eva Longoria, my lifelong idols.

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Speaker 2: In my head, in my head, it's one sided. D

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Speaker 2: She did send me a video you're right, and it

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Speaker 2: was three minute long videos.

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Speaker 1: So yes, someone asked her, do you know d you

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Speaker 1: do the first inventtor? She would say yes, so.

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Speaker 2: Right, and you know she's actually my neighbor too because

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Speaker 2: she lives in Spain now too so and people with

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Speaker 2: many people that know me, they're like, did you follow her?

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Speaker 1: There?

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Speaker 2: You stock her? And I'm like, no, does she really?

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Speaker 1: Oh she's just so fucking smart and incredible and I

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Speaker 1: think y'all would be friends, you know, if she was

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Speaker 1: anyway so lucky. But go ahead. She endorsed her book.

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Speaker 1: That's amazing, Thank you.

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Speaker 2: Yeah, it's just a matter of time to wave me.

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Speaker 2: It's just we haven't had the right opportunity. But so

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Speaker 2: that's right now my fourth attempt, I'm going to pitch

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Speaker 2: myself to the team and come up with the facts

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Speaker 2: right of the wins that the English version has had,

430
00:22:42,680 --> 00:22:44,600
Speaker 2: and I think right now, at a time when the

431
00:22:44,720 --> 00:22:47,520
Speaker 2: Latino community is under attack, I think it might make

432
00:22:47,600 --> 00:22:52,240
Speaker 2: sense for somebody like Eva to support a Spanish version

433
00:22:52,359 --> 00:22:54,800
Speaker 2: of this book. So I'm really hopeful. Send me all

434
00:22:54,840 --> 00:22:58,880
Speaker 2: the good vites for that. My last resort. Yeah, because

435
00:22:58,880 --> 00:23:00,880
Speaker 2: people have asked me, why don't you do a Kickstarter,

436
00:23:00,960 --> 00:23:03,160
Speaker 2: and I said, do you know how much it takes

437
00:23:04,119 --> 00:23:08,400
Speaker 2: a kickstarter? It's a heavy lift, it's a lot of work,

438
00:23:08,440 --> 00:23:10,399
Speaker 2: and I know I can probably do it, but again,

439
00:23:10,640 --> 00:23:13,840
Speaker 2: I know how much work it is, so I'd rather

440
00:23:14,200 --> 00:23:17,159
Speaker 2: just hit up my best deeva and see what we

441
00:23:17,200 --> 00:23:17,720
Speaker 2: can do there.

442
00:23:18,359 --> 00:23:21,680
Speaker 1: I mean, also, you're in Spain. Don't they have Spanish

443
00:23:21,760 --> 00:23:24,760
Speaker 1: publishers out there who would love to do a personal

444
00:23:24,800 --> 00:23:25,520
Speaker 1: finance book.

445
00:23:25,720 --> 00:23:28,359
Speaker 2: That's something that I recently started looking to as well,

446
00:23:28,400 --> 00:23:30,360
Speaker 2: And I actually reached out to my publisher to see

447
00:23:30,400 --> 00:23:32,400
Speaker 2: if they can connect me in some way. So yes,

448
00:23:32,760 --> 00:23:34,480
Speaker 2: I hadn't thought about that till I came here. And

449
00:23:34,560 --> 00:23:37,280
Speaker 2: even the translation cost would be a lot cheaper here

450
00:23:37,320 --> 00:23:39,200
Speaker 2: than let's say, in the US, because in the US

451
00:23:39,240 --> 00:23:42,919
Speaker 2: I was quoted I believe twelve or fifteen thousand, and

452
00:23:43,040 --> 00:23:44,480
Speaker 2: here I can probably do it for half of that.

453
00:23:45,359 --> 00:23:48,840
Speaker 1: Yeah, I mean, I feel like Little Serendipitous is like,

454
00:23:48,920 --> 00:23:51,399
Speaker 1: you're literally in Spain now, so go ahead, launch you

455
00:23:51,400 --> 00:23:55,240
Speaker 1: a Spanish book, girl, Yes, thank you. So I want

456
00:23:55,280 --> 00:23:57,720
Speaker 1: to get back to this new chapter. You've been there

457
00:23:57,720 --> 00:24:00,200
Speaker 1: for a couple months now, right, What has surprised do

458
00:24:00,280 --> 00:24:03,960
Speaker 1: about living abroad that you didn't expect that maybe you

459
00:24:03,960 --> 00:24:05,959
Speaker 1: would miss or something that you don't that you don't have,

460
00:24:06,080 --> 00:24:07,960
Speaker 1: or something that you that you love that you didn't

461
00:24:07,960 --> 00:24:09,320
Speaker 1: know you'd love, what surprised you.

462
00:24:10,800 --> 00:24:13,080
Speaker 2: So the type a person. I had done a lot

463
00:24:13,080 --> 00:24:16,320
Speaker 2: of research, believe it or not, on the culture shocks.

464
00:24:16,359 --> 00:24:19,920
Speaker 2: So yeah, I followed a lot of TikTok accounts about yeah,

465
00:24:19,960 --> 00:24:23,439
Speaker 2: you know what the big biggest differences in life in

466
00:24:23,480 --> 00:24:26,080
Speaker 2: the US versus Spain. So I was already expecting a

467
00:24:26,119 --> 00:24:28,840
Speaker 2: lot of them. The one, the biggest one probably that

468
00:24:28,920 --> 00:24:35,840
Speaker 2: I wasn't was how credit cards are not used here

469
00:24:35,880 --> 00:24:40,040
Speaker 2: like they are in the US. Here people use their

470
00:24:40,040 --> 00:24:41,920
Speaker 2: debit card, that's their go to.

471
00:24:42,600 --> 00:24:46,840
Speaker 1: M oh ew, well kind.

472
00:24:46,600 --> 00:24:50,000
Speaker 2: Of it's it's it's been an interesting adjustment, and that

473
00:24:50,200 --> 00:24:54,240
Speaker 2: the reason is because I'm assuming that the interest rates

474
00:24:54,280 --> 00:24:57,480
Speaker 2: probably aren't very good. I know for a fact that

475
00:24:57,560 --> 00:25:01,040
Speaker 2: they don't offer rewards here like they do in the US.

476
00:25:01,119 --> 00:25:04,320
Speaker 2: I travel rewards, cash back, that sort of thing, So

477
00:25:04,400 --> 00:25:08,359
Speaker 2: I think that plays a big factor. And also a

478
00:25:08,400 --> 00:25:12,800
Speaker 2: lot of transactions that are done have to be done

479
00:25:12,840 --> 00:25:17,280
Speaker 2: through your Spanish bank account. So for example, when we

480
00:25:17,280 --> 00:25:19,760
Speaker 2: set up internet, yeah, when we set up internet, okay,

481
00:25:19,800 --> 00:25:22,040
Speaker 2: let's set you up for auto pay. I'm here ready

482
00:25:22,040 --> 00:25:23,879
Speaker 2: to give on my credit card to get some points.

483
00:25:23,920 --> 00:25:26,359
Speaker 2: You know, I like to travel on points. No, we

484
00:25:26,400 --> 00:25:29,360
Speaker 2: need your Spanish bank account. That was jarring.

485
00:25:30,480 --> 00:25:32,520
Speaker 1: Yeah, did you have one already? Did you set one

486
00:25:32,600 --> 00:25:33,560
Speaker 1: up in advance.

487
00:25:33,240 --> 00:25:35,280
Speaker 2: Or I had to know I how to go back

488
00:25:35,320 --> 00:25:37,880
Speaker 2: and do it? Was Yeah, that was very jarring to

489
00:25:37,920 --> 00:25:41,440
Speaker 2: know how much they even for my gym membership. Again,

490
00:25:41,480 --> 00:25:44,639
Speaker 2: I'm used to charging something like that or my phone bill,

491
00:25:45,080 --> 00:25:47,840
Speaker 2: charging that on a credit card and getting points. They said, nope,

492
00:25:48,000 --> 00:25:51,680
Speaker 2: we want your bank account information. So that's probably been

493
00:25:52,440 --> 00:25:56,119
Speaker 2: the biggest challenge, the biggest challenge, the biggest adjustment, I'd say.

494
00:25:56,400 --> 00:26:00,159
Speaker 1: So there's this idea that in the US, so you

495
00:26:00,200 --> 00:26:01,919
Speaker 1: can get so much more for your money outside of

496
00:26:01,920 --> 00:26:05,000
Speaker 1: the US. And you were in a pretty expensive city, Chicago.

497
00:26:05,640 --> 00:26:07,000
Speaker 1: How's your love Chicago?

498
00:26:08,480 --> 00:26:12,200
Speaker 2: I missed Chicago dearly? You miss it dearly? Yeah? Oh

499
00:26:12,240 --> 00:26:14,760
Speaker 2: I love Chicago and I have so many beautiful friends

500
00:26:14,760 --> 00:26:16,200
Speaker 2: out there and I can't wait to see them. I

501
00:26:16,480 --> 00:26:17,080
Speaker 2: love the city.

502
00:26:17,440 --> 00:26:20,840
Speaker 1: That's so cute. A California girl fell in love with Chicago. Yeah,

503
00:26:21,040 --> 00:26:22,720
Speaker 1: do you feel like your money is going further? Like

504
00:26:22,800 --> 00:26:24,960
Speaker 1: compare you you were how you were living before, Like

505
00:26:24,960 --> 00:26:26,840
Speaker 1: what kind of apartment or house did you have? And

506
00:26:26,920 --> 00:26:29,639
Speaker 1: now what can you afford? And you said you're in Valencia.

507
00:26:30,520 --> 00:26:33,119
Speaker 2: Yes, So for people I don't know Valencia, it is

508
00:26:33,160 --> 00:26:36,320
Speaker 2: the third largest city in Spain and it is on

509
00:26:36,640 --> 00:26:39,240
Speaker 2: the East coast of Spain, right in the middle of

510
00:26:39,280 --> 00:26:45,880
Speaker 2: the East coast. And how does my life here compare financially?

511
00:26:46,600 --> 00:26:50,880
Speaker 2: I think the biggest one is probably housing. I will

512
00:26:50,960 --> 00:26:55,880
Speaker 2: say we were bougie in Chicago because we had been

513
00:26:56,040 --> 00:26:59,680
Speaker 2: very frugal in Phoenix before that. Like we talked earlier,

514
00:26:59,680 --> 00:27:02,160
Speaker 2: I moved a lot. We like to move and explore

515
00:27:02,200 --> 00:27:04,919
Speaker 2: new cities and get settled into new cities. So I

516
00:27:05,000 --> 00:27:08,560
Speaker 2: had lived in Phoenix, Arizona for two and a half

517
00:27:08,640 --> 00:27:11,080
Speaker 2: years during the pandemic, and that's when I was squirreling

518
00:27:11,080 --> 00:27:15,760
Speaker 2: money away for this sabbatical and again we were roughing it.

519
00:27:15,840 --> 00:27:19,560
Speaker 2: We're roughing it, so think bear bone expenses for housing everything.

520
00:27:20,119 --> 00:27:22,720
Speaker 2: When we finally got our finances to a place where

521
00:27:22,720 --> 00:27:26,439
Speaker 2: we felt solid and we moved to Chicago, it was

522
00:27:26,440 --> 00:27:28,919
Speaker 2: our biggest city. I'd lived in, La I'd lived in

523
00:27:29,040 --> 00:27:30,720
Speaker 2: I mean, you know, it's funny because obviously La is

524
00:27:30,720 --> 00:27:33,320
Speaker 2: bigger than Chicago, but Chicago feels bigger to me. I

525
00:27:33,320 --> 00:27:36,159
Speaker 2: think probably is the sky, the high rise. This is

526
00:27:36,200 --> 00:27:39,280
Speaker 2: probably why. Yeah, yeah, I lived in Pasadena.

527
00:27:40,040 --> 00:27:42,240
Speaker 1: Pardon maybe the people density. Is it?

528
00:27:42,320 --> 00:27:45,800
Speaker 2: Like, the people density so sprawling, it's so spread out. Yeah,

529
00:27:45,800 --> 00:27:46,600
Speaker 2: it's so spread out.

530
00:27:46,680 --> 00:27:46,920
Speaker 1: Yeah.

531
00:27:47,280 --> 00:27:51,080
Speaker 2: So we really wanted to have the city views and

532
00:27:51,160 --> 00:27:54,080
Speaker 2: be downtown, which is expensive, right, So that was a choice.

533
00:27:54,119 --> 00:27:56,480
Speaker 2: That was a choice. So yeah, we had a beautiful

534
00:27:56,520 --> 00:28:00,000
Speaker 2: two bedroom, two bathroom condo that we rented for three thousands,

535
00:28:00,000 --> 00:28:03,639
Speaker 2: seven hundred. People from Chicago are like, girl, you're overpaying.

536
00:28:03,720 --> 00:28:06,280
Speaker 2: We know we were overpaying. We had a dormant, all

537
00:28:06,320 --> 00:28:10,040
Speaker 2: the works perks, so yeah, yeah, so and you know,

538
00:28:10,040 --> 00:28:12,760
Speaker 2: we're child free, we don't have any debt, we don't

539
00:28:12,760 --> 00:28:16,560
Speaker 2: have any plans to buy a home, so.

540
00:28:15,920 --> 00:28:18,000
Speaker 1: We don't have to explain that to me. Like I

541
00:28:18,000 --> 00:28:19,520
Speaker 1: would do the same thing had I not had these

542
00:28:19,600 --> 00:28:22,560
Speaker 1: damn kids, because that's my child's care bill, right, and

543
00:28:22,560 --> 00:28:23,520
Speaker 1: then I still got a mark.

544
00:28:23,720 --> 00:28:28,080
Speaker 2: Forever, well forever, Yeah, no, I know. So now that

545
00:28:28,160 --> 00:28:30,960
Speaker 2: we've moved here, well, we got to enjoy that beautiful

546
00:28:30,960 --> 00:28:34,879
Speaker 2: apartment for two years, and now that we're here, our

547
00:28:34,960 --> 00:28:39,840
Speaker 2: rent has reduced significantly. Our rent for our two bedroom,

548
00:28:40,320 --> 00:28:46,200
Speaker 2: one half bathroom apartment is one nine hundred euros, So

549
00:28:46,520 --> 00:28:49,080
Speaker 2: if I had to do a backland napkin conversion, is

550
00:28:49,080 --> 00:28:53,880
Speaker 2: probably two thousand, three hundred dollars. So yeah, probably saving

551
00:28:53,960 --> 00:28:58,360
Speaker 2: like fifteen hundred dollars or something by being here. So yeah,

552
00:28:58,360 --> 00:29:00,880
Speaker 2: it's and if you and this because I'm in a

553
00:29:00,920 --> 00:29:04,040
Speaker 2: bigger city, if I were a little bit out in

554
00:29:04,080 --> 00:29:06,720
Speaker 2: the suburbs or a smaller city, you can get a

555
00:29:06,760 --> 00:29:10,520
Speaker 2: place for seven hundred euros one thousand euros. But again,

556
00:29:11,040 --> 00:29:12,680
Speaker 2: I like the city vibe, so.

557
00:29:12,920 --> 00:29:19,440
Speaker 1: Yeah, yeah, when it comes to taxes, how does that work?

558
00:29:19,520 --> 00:29:22,520
Speaker 1: So you work for US based clients and you're a

559
00:29:22,520 --> 00:29:26,200
Speaker 1: small business owner, so you're still reporting your like you're

560
00:29:26,240 --> 00:29:29,320
Speaker 1: still estimating your quarterly taxes and then paying to the irs,

561
00:29:29,480 --> 00:29:32,440
Speaker 1: right and then but do you pay less taxes working

562
00:29:32,520 --> 00:29:35,280
Speaker 1: in Spain? Like is there a tax benefit? And if

563
00:29:35,320 --> 00:29:36,920
Speaker 1: you're doing something under the table, I can cut this

564
00:29:36,960 --> 00:29:38,960
Speaker 1: part out. It's fine. I'm just curious.

565
00:29:40,040 --> 00:29:44,760
Speaker 2: No, No, So nobody moves to a Western European country

566
00:29:44,880 --> 00:29:49,520
Speaker 2: to save money on taxes. Yeah, because of the social

567
00:29:49,600 --> 00:29:57,040
Speaker 2: benefits like free healthcare and other where I'm sorry, I'm

568
00:29:57,040 --> 00:30:00,800
Speaker 2: blinking on the term like the catch all so safetiness,

569
00:30:01,120 --> 00:30:07,440
Speaker 2: social safeness. Yes, because of the social safetiness, it's more expensive.

570
00:30:07,480 --> 00:30:10,960
Speaker 2: Taxes are more expensive, so that I'm expecting for my

571
00:30:11,120 --> 00:30:14,240
Speaker 2: tax liability to go up. I've only been here two

572
00:30:14,320 --> 00:30:16,320
Speaker 2: or three months, so I have yet to see what

573
00:30:16,360 --> 00:30:19,080
Speaker 2: that looks like. But yes, I am paying taxes in

574
00:30:19,160 --> 00:30:23,040
Speaker 2: both places. I think the most common question here is, oh,

575
00:30:23,080 --> 00:30:26,160
Speaker 2: so do you get double tax From what I understand,

576
00:30:26,240 --> 00:30:29,880
Speaker 2: and again I'm learning as I go, so you'll have

577
00:30:29,920 --> 00:30:32,040
Speaker 2: to interview about this in a year right when I've

578
00:30:32,040 --> 00:30:34,880
Speaker 2: been through a tax cycle. But from what I understand

579
00:30:35,360 --> 00:30:38,560
Speaker 2: is that the US and Spain has a tax treaty

580
00:30:38,760 --> 00:30:42,120
Speaker 2: where they allow you to pay taxes to Spain, and

581
00:30:42,640 --> 00:30:44,520
Speaker 2: I should pay taxes to Spain. It's a part of

582
00:30:44,560 --> 00:30:48,040
Speaker 2: my visa requirements right for me to pay into the

583
00:30:48,040 --> 00:30:50,920
Speaker 2: tax system. I'm using the infrastructure here all thinking all

584
00:30:50,920 --> 00:30:54,160
Speaker 2: the benefits of living here. But the US takes into

585
00:30:54,160 --> 00:30:58,480
Speaker 2: account how much I have paid to Spain and taxes,

586
00:30:58,560 --> 00:31:01,840
Speaker 2: and they deduct that from what I would owe the US.

587
00:31:01,880 --> 00:31:06,720
Speaker 2: And because Spanish taxes are typically higher than US taxes,

588
00:31:07,080 --> 00:31:11,040
Speaker 2: typically people don't end up owing to the US, because again,

589
00:31:11,120 --> 00:31:12,280
Speaker 2: Spanish taxes are higher.

590
00:31:12,920 --> 00:31:15,120
Speaker 1: So now do you have a new accountant a money

591
00:31:15,120 --> 00:31:16,080
Speaker 1: team in Spain?

592
00:31:16,880 --> 00:31:20,040
Speaker 2: I do, I do. Yeah, that's been fun ha ha.

593
00:31:22,800 --> 00:31:24,880
Speaker 2: And here I'll tell you why, because this is actually

594
00:31:25,320 --> 00:31:29,560
Speaker 2: very recent. So as when I started my business in

595
00:31:29,600 --> 00:31:32,880
Speaker 2: the US four years ago, I'm sure it was the

596
00:31:32,880 --> 00:31:36,080
Speaker 2: same for you, Mandy. Where that first year I didn't

597
00:31:36,080 --> 00:31:39,160
Speaker 2: pick quarterly estimated taxes because I didn't know what the

598
00:31:39,160 --> 00:31:40,720
Speaker 2: heck I was doing. I don't know how much I

599
00:31:40,800 --> 00:31:44,400
Speaker 2: was exactly right, So they really give you a year.

600
00:31:44,520 --> 00:31:46,880
Speaker 2: I would say that the IRS gives you a year

601
00:31:47,040 --> 00:31:50,600
Speaker 2: and so your business is formed, and then they're like, Okay,

602
00:31:50,720 --> 00:31:53,600
Speaker 2: now that you've been doing this for a year, you're

603
00:31:53,640 --> 00:31:57,480
Speaker 2: going to start paying quarterly estimated taxes. I come here

604
00:31:57,680 --> 00:32:00,680
Speaker 2: thinking it's going to be something similar. Hello, an immigrant,

605
00:32:01,080 --> 00:32:03,440
Speaker 2: you know, just got here, right, just got here a

606
00:32:03,440 --> 00:32:08,520
Speaker 2: few months ago. Quarter end just happened, right for Q two?

607
00:32:09,080 --> 00:32:12,800
Speaker 2: Where's our taxes? We want our taxes? And that really

608
00:32:13,440 --> 00:32:16,680
Speaker 2: oh yeah, oh yeah, so yes, And that was.

609
00:32:16,640 --> 00:32:19,080
Speaker 1: A letter in the mail. Is it a knock on

610
00:32:19,120 --> 00:32:21,440
Speaker 1: the door? What is it? No?

611
00:32:21,680 --> 00:32:25,440
Speaker 2: So luckily so here it's called the acienda. I call

612
00:32:25,520 --> 00:32:29,520
Speaker 2: them the Spanish mob any Spanish people. Obviously I'm saying

613
00:32:29,560 --> 00:32:33,320
Speaker 2: this like being funny, right, that's just my personality. But

614
00:32:33,400 --> 00:32:37,240
Speaker 2: I say they're the Spanish mob because again, the IRS.

615
00:32:37,280 --> 00:32:39,520
Speaker 2: I always thought, like, you don't funk with the irs, right,

616
00:32:39,520 --> 00:32:41,440
Speaker 2: like they got al capone. You do not mess with

617
00:32:41,480 --> 00:32:44,000
Speaker 2: the irs. I'm learning here you do not mess with

618
00:32:44,040 --> 00:32:47,480
Speaker 2: Ocienda Shakira homegirl.

619
00:32:48,000 --> 00:32:50,680
Speaker 1: They were like exactly remember all that.

620
00:32:51,400 --> 00:32:54,720
Speaker 2: Yeah, oh yeah, that happened in Shakira, right. So here, luckily,

621
00:32:54,840 --> 00:32:58,920
Speaker 2: I have partnered with an incredible accountant that has been

622
00:32:58,960 --> 00:33:02,040
Speaker 2: on my butt about hey, I know you just got here,

623
00:33:02,240 --> 00:33:03,880
Speaker 2: but we got to close up your books and you

624
00:33:03,960 --> 00:33:06,960
Speaker 2: have to pay your estimated taxes. So we had a

625
00:33:07,000 --> 00:33:11,880
Speaker 2: two day wrap around to do that. Yeah, it's it's

626
00:33:11,920 --> 00:33:16,200
Speaker 2: it was intense Jesus. So no grace basically no grace

627
00:33:16,280 --> 00:33:17,280
Speaker 2: for you immigrants.

628
00:33:17,560 --> 00:33:20,840
Speaker 1: And isn't literally there too, like do you have to Okay?

629
00:33:20,920 --> 00:33:23,240
Speaker 2: Yes, again, if we go back to the reason for

630
00:33:23,360 --> 00:33:26,560
Speaker 2: why they're offering the visa and they're being underfunded, they

631
00:33:26,640 --> 00:33:28,840
Speaker 2: want to collect that tax revenue. So yeah, they're not

632
00:33:28,840 --> 00:33:30,120
Speaker 2: going to wait till year end.

633
00:33:30,720 --> 00:33:32,960
Speaker 1: Yeah, I mean in the US, like you can be

634
00:33:33,000 --> 00:33:34,800
Speaker 1: a business but not make any money and they'll just

635
00:33:34,800 --> 00:33:37,080
Speaker 1: like let you, you know, do your thing for a while.

636
00:33:37,120 --> 00:33:39,240
Speaker 1: But Spain's like, we made sure that we were bringing

637
00:33:39,240 --> 00:33:42,000
Speaker 1: in the krem to the krim. Oh yeah, I had.

638
00:33:41,840 --> 00:33:44,200
Speaker 2: To make a certain income threshold.

639
00:33:44,360 --> 00:33:44,600
Speaker 1: Yeah.

640
00:33:44,680 --> 00:33:48,000
Speaker 2: If I wasn't profitable, they wouldn't have approved me. Yeah,

641
00:33:48,000 --> 00:33:50,200
Speaker 2: so they knew they were getting some tax revenue from

642
00:33:50,720 --> 00:33:52,320
Speaker 2: Gigi the first gend Mentor.

643
00:33:54,640 --> 00:33:57,120
Speaker 1: How do food and housing? And like we ve talked

644
00:33:57,120 --> 00:33:58,960
Speaker 1: about housing, but like food, you don't have a car,

645
00:33:59,000 --> 00:34:01,440
Speaker 1: I'm assuming, but like, how do the other expenses compare

646
00:34:02,000 --> 00:34:02,600
Speaker 1: to Chicago?

647
00:34:02,600 --> 00:34:05,479
Speaker 2: I don't have a car yet. I'll a Meghan Markle,

648
00:34:06,920 --> 00:34:09,200
Speaker 2: I will, we will have a car eventually.

649
00:34:10,160 --> 00:34:12,359
Speaker 1: Wait, what Megan Markle? What about what about her?

650
00:34:12,760 --> 00:34:16,360
Speaker 2: Meghan Marko? Did that interview with that lady I forget

651
00:34:16,360 --> 00:34:18,799
Speaker 2: her name? You know what I'm talking about where she's like,

652
00:34:19,120 --> 00:34:21,680
Speaker 2: I don't have a book deal yet the power of yet?

653
00:34:21,800 --> 00:34:23,600
Speaker 2: Did you miss that? I'm gonna have to a.

654
00:34:23,800 --> 00:34:26,320
Speaker 1: Blond lady with her? Oh I don't like her. Pot No,

655
00:34:26,440 --> 00:34:27,719
Speaker 1: I don't want to listen to her. Talk to your

656
00:34:27,880 --> 00:34:30,200
Speaker 1: rich white girlfriends. I was just talking to my friends

657
00:34:30,200 --> 00:34:32,520
Speaker 1: at dinner last night. You know, black women and we're like,

658
00:34:32,800 --> 00:34:35,279
Speaker 1: why doesn't Megal Meghan have more black women friends? Like

659
00:34:35,320 --> 00:34:37,080
Speaker 1: where are we? Why is she going to be these

660
00:34:37,080 --> 00:34:38,000
Speaker 1: like rich white ladies.

661
00:34:38,040 --> 00:34:40,880
Speaker 2: Like no, I'm glad you said it. I'm not of

662
00:34:40,920 --> 00:34:43,480
Speaker 2: the black community, so I've never dared to say that.

663
00:34:43,560 --> 00:34:46,480
Speaker 2: But since you've opened up that can of worms, I've

664
00:34:46,600 --> 00:34:50,080
Speaker 2: found that interesting too, that she doesn't really have black friends.

665
00:34:50,160 --> 00:34:51,520
Speaker 2: So just an anormation.

666
00:34:52,239 --> 00:34:54,279
Speaker 1: As a mixed girl myself, I can see how she

667
00:34:54,320 --> 00:34:56,040
Speaker 1: could end up. But you have to be intentional, you

668
00:34:56,080 --> 00:34:58,480
Speaker 1: have to want it, you have to you have to

669
00:34:58,520 --> 00:35:00,719
Speaker 1: fly to Miami to the Black a conference.

670
00:35:02,680 --> 00:35:03,520
Speaker 2: She grew up in La.

671
00:35:04,280 --> 00:35:06,880
Speaker 1: There's a lot of people in black women. Her mother's

672
00:35:06,880 --> 00:35:12,719
Speaker 1: a black woman. What her mother? Wait? Yeah, wait, completely

673
00:35:12,800 --> 00:35:19,759
Speaker 1: unrelated to what we're talking about. Hey, ba fam, we're

674
00:35:19,760 --> 00:35:22,399
Speaker 1: gonna take a quick break, pay some bills, and we'll

675
00:35:22,400 --> 00:35:26,640
Speaker 1: be right back. All right, ba fam, we're back. What

676
00:35:26,680 --> 00:35:27,840
Speaker 1: are the other big expenses?

677
00:35:29,000 --> 00:35:34,600
Speaker 2: Groceries are certainly cheaper. I think my bill because my

678
00:35:34,719 --> 00:35:37,399
Speaker 2: husband and I we don't eat together. We eat different things.

679
00:35:37,440 --> 00:35:39,440
Speaker 2: He criticizes my cooking, so I'm like, okay, you're on

680
00:35:39,480 --> 00:35:43,799
Speaker 2: your own, and that what works for Yeah.

681
00:35:43,040 --> 00:35:45,120
Speaker 1: Yeah, I made three nails. I'm like one for me,

682
00:35:45,320 --> 00:35:46,640
Speaker 1: one for them, one for you.

683
00:35:47,800 --> 00:35:51,160
Speaker 2: That's a lot of yeah, yeah, no, yeah, he's like,

684
00:35:51,160 --> 00:35:52,600
Speaker 2: oh I don't like this. Okay, you don't have to

685
00:35:52,640 --> 00:35:54,480
Speaker 2: eat it, do your own shopping. So it works for us.

686
00:35:54,480 --> 00:35:57,960
Speaker 2: It's worked for us for years. So my my grocery

687
00:35:58,000 --> 00:36:00,840
Speaker 2: shopping bill in Chicago was probably like one hundred and

688
00:36:00,880 --> 00:36:05,080
Speaker 2: fifty dollars a week. Here I did. The conversion from

689
00:36:05,160 --> 00:36:09,720
Speaker 2: yuro to dollar is about ninety bucks. So okay, definitely

690
00:36:09,719 --> 00:36:14,040
Speaker 2: a little cheaper, and it's better quality. They don't have Yeah,

691
00:36:14,080 --> 00:36:17,080
Speaker 2: they don't have an organic and non organic section. It's

692
00:36:17,120 --> 00:36:22,480
Speaker 2: all organic, and it's all fresh, all the stuff you know, Like,

693
00:36:22,560 --> 00:36:25,440
Speaker 2: for example, I buy a pack of tortillas here. I'm

694
00:36:25,520 --> 00:36:27,600
Speaker 2: used to having a pack of tortillas for two months

695
00:36:27,840 --> 00:36:31,440
Speaker 2: in the US. Here, within five days you have to

696
00:36:31,560 --> 00:36:34,280
Speaker 2: use them, and you know me being I'm like it's fine.

697
00:36:34,280 --> 00:36:36,760
Speaker 2: They don't mean that I tried it and I got sick.

698
00:36:37,360 --> 00:36:40,760
Speaker 2: Oh no, So yeah, so the food is very fresh,

699
00:36:40,880 --> 00:36:44,200
Speaker 2: no preservative, so that's probably much better for my health.

700
00:36:44,360 --> 00:36:48,440
Speaker 1: Okay, so you as a couple, you don't have children,

701
00:36:48,800 --> 00:36:50,799
Speaker 1: how are you getting to know your new city and like,

702
00:36:50,840 --> 00:36:53,120
Speaker 1: what's making it feel like home if at all, or

703
00:36:53,640 --> 00:36:55,279
Speaker 1: maybe you don't even want it to feel like home,

704
00:36:55,320 --> 00:36:56,799
Speaker 1: like it's just where you are now. I don't know,

705
00:36:56,880 --> 00:36:59,040
Speaker 1: But what's making it feel good to y'all? How are

706
00:36:59,080 --> 00:36:59,960
Speaker 1: you exploring it as a.

707
00:37:01,120 --> 00:37:06,680
Speaker 2: Yeah, so I am very good at moving and finding community.

708
00:37:06,960 --> 00:37:10,680
Speaker 2: I'm not worried about that at all. I am not

709
00:37:10,760 --> 00:37:14,920
Speaker 2: prioritizing that right now because what's priority is still the

710
00:37:14,960 --> 00:37:17,800
Speaker 2: bureaucracy that I have to navigate as a new immigrant.

711
00:37:18,239 --> 00:37:20,439
Speaker 2: So it's not just oh, I have my visa, I'm good.

712
00:37:20,520 --> 00:37:23,200
Speaker 2: I've had to do a lot of setup with a

713
00:37:23,239 --> 00:37:26,000
Speaker 2: city hall and things like that for me to be

714
00:37:26,160 --> 00:37:29,120
Speaker 2: quote unquote like legal right and it have my legal

715
00:37:29,200 --> 00:37:32,880
Speaker 2: residency here, so I want to get that situated. So

716
00:37:32,920 --> 00:37:36,359
Speaker 2: that's been the priority. Once I have my residency card,

717
00:37:36,400 --> 00:37:39,640
Speaker 2: then I'll feel more comfortable about going to meetups and

718
00:37:39,719 --> 00:37:43,120
Speaker 2: meeting people. I've met a handful of people through introductions

719
00:37:43,160 --> 00:37:45,399
Speaker 2: of friends that are like, I know somebody that lives there,

720
00:37:45,680 --> 00:37:47,840
Speaker 2: somebody from latinas and tech was like, I know a

721
00:37:47,880 --> 00:37:50,520
Speaker 2: couple women in Valencia, let me connect you. So that's

722
00:37:50,560 --> 00:37:54,239
Speaker 2: always welcome because it will have something in common that way.

723
00:37:54,280 --> 00:37:57,080
Speaker 2: But I'm really excited to get out there soon.

724
00:37:57,880 --> 00:38:02,160
Speaker 1: Okay, I think that's such a good point. Is your

725
00:38:02,239 --> 00:38:04,080
Speaker 1: husband the same way? I always wonder because like I

726
00:38:04,160 --> 00:38:06,680
Speaker 1: sometimes look at my husband and I'm like, you don't

727
00:38:06,719 --> 00:38:09,120
Speaker 1: even know how lucky you are to have a wife

728
00:38:09,160 --> 00:38:12,880
Speaker 1: who's making all these connections and relationships that you benefit from.

729
00:38:13,280 --> 00:38:15,960
Speaker 1: You know, someone who can, like, who can back us

730
00:38:16,000 --> 00:38:17,719
Speaker 1: up if we can't pick up the kids, and like,

731
00:38:17,800 --> 00:38:20,279
Speaker 1: forming these relational ties is really important to me, and

732
00:38:20,320 --> 00:38:22,880
Speaker 1: it takes intentionality. But is your husband sharing in that,

733
00:38:23,840 --> 00:38:25,000
Speaker 1: you know, responsibility?

734
00:38:25,440 --> 00:38:28,279
Speaker 2: So this might be surprising for people that know me.

735
00:38:29,000 --> 00:38:33,040
Speaker 2: I'm the traditional Leo through and through Neo Susan.

736
00:38:33,280 --> 00:38:35,760
Speaker 1: Is that why I get you? I was like, maybe

737
00:38:36,160 --> 00:38:37,840
Speaker 1: curing one of my LEO sister.

738
00:38:39,080 --> 00:38:46,399
Speaker 2: Yes, yes, so he is high functioning, autistic and very introverted. Yeah,

739
00:38:46,600 --> 00:38:51,160
Speaker 2: oh gosh, yeah, here men like this. Why, well, you

740
00:38:51,160 --> 00:38:54,719
Speaker 2: know what's funny. It's funny my ex right before him

741
00:38:54,920 --> 00:38:57,319
Speaker 2: was a party animal and all he wanted to do

742
00:38:57,440 --> 00:38:59,239
Speaker 2: was be with his friends. And that's a big reason

743
00:38:59,320 --> 00:39:03,680
Speaker 2: why we broke up up at Michael and then with

744
00:39:03,719 --> 00:39:07,080
Speaker 2: my with my husband David, he has no friends. So

745
00:39:07,080 --> 00:39:09,680
Speaker 2: it literally went from the one and the spectrum to

746
00:39:09,719 --> 00:39:11,960
Speaker 2: the other. I do wish he had a few friends,

747
00:39:12,000 --> 00:39:15,120
Speaker 2: you know, to have community and support, but as an

748
00:39:15,200 --> 00:39:18,000
Speaker 2: artistic person, he struggles with that. So so it's always

749
00:39:18,040 --> 00:39:20,200
Speaker 2: me me. That's how I was in Chicago. I would hey,

750
00:39:20,200 --> 00:39:24,600
Speaker 2: hey babe, I'm going out, be back in a few hours. Okay, bye, Wow,

751
00:39:24,920 --> 00:39:25,400
Speaker 2: Well I would.

752
00:39:25,440 --> 00:39:28,680
Speaker 1: I just recently did a relationship podcast with a couple

753
00:39:28,680 --> 00:39:32,239
Speaker 1: of like relationship experts, and we were talking about that

754
00:39:32,320 --> 00:39:35,839
Speaker 1: show Love on the Spectrum. Yeah, and and we were

755
00:39:35,880 --> 00:39:39,320
Speaker 1: just talking about being in relationships with like different neurodivergencies

756
00:39:39,320 --> 00:39:42,000
Speaker 1: and stuff, and how early in your relationship did y'all

757
00:39:42,000 --> 00:39:46,080
Speaker 1: talk about his neurodivergence? He said he was on the spectrum,

758
00:39:46,080 --> 00:39:48,719
Speaker 1: but like, how early were y' all discussing that? And

759
00:39:48,760 --> 00:39:52,880
Speaker 1: then like when did you, like, how is how was

760
00:39:52,920 --> 00:39:54,960
Speaker 1: your journey to like, Okay, I accept this person as

761
00:39:54,960 --> 00:39:56,319
Speaker 1: he is. I love him, and I'm going to make

762
00:39:56,320 --> 00:39:59,239
Speaker 1: sure that I over index in my relationships outside of this,

763
00:39:59,360 --> 00:40:02,560
Speaker 1: because you know, I won't get that necessarily from him.

764
00:40:03,960 --> 00:40:09,400
Speaker 2: Yeah. Unfortunately, he was diagnosed later in life. That was

765
00:40:09,440 --> 00:40:12,799
Speaker 2: a challenge for him because he and I'm sure it

766
00:40:12,800 --> 00:40:14,600
Speaker 2: happens to a lot of people. I get diagnosed later

767
00:40:14,600 --> 00:40:17,799
Speaker 2: in life of like, what so, this is why I'm different, right,

768
00:40:17,960 --> 00:40:20,759
Speaker 2: and this is why I've experienced the world differently. And

769
00:40:20,800 --> 00:40:23,560
Speaker 2: had I known this, I could have gone tools to

770
00:40:23,600 --> 00:40:28,279
Speaker 2: make my life easier. So yeah, he was diagnosed. Yeah, yeah,

771
00:40:28,280 --> 00:40:31,000
Speaker 2: and it's you know what's funny. My therapist friend shout

772
00:40:31,000 --> 00:40:33,680
Speaker 2: out to Boletta. She's the one that caught it because

773
00:40:33,719 --> 00:40:36,160
Speaker 2: I mentioned to her how he doesn't have friends, and

774
00:40:36,200 --> 00:40:38,759
Speaker 2: she says, is he is? He on the does he

775
00:40:38,840 --> 00:40:42,279
Speaker 2: have the tism? She called it autism for autism, and

776
00:40:42,320 --> 00:40:44,719
Speaker 2: I'm like, no, I don't think so, and she says,

777
00:40:44,760 --> 00:40:46,680
Speaker 2: you should look into that because that's one of the

778
00:40:46,719 --> 00:40:51,080
Speaker 2: indicators when they're not able to form social connections. So

779
00:40:51,120 --> 00:40:54,360
Speaker 2: I brought it up to him. At first he was offended.

780
00:40:54,440 --> 00:40:57,080
Speaker 2: To be honest, he was offended. He looked into it

781
00:40:57,239 --> 00:40:59,600
Speaker 2: and then he's like, wait, this kind of makes sense.

782
00:41:00,080 --> 00:41:03,359
Speaker 2: He went through the process. Yeah yeah, and this is

783
00:41:03,440 --> 00:41:06,000
Speaker 2: probably about two years ago. At this point we were

784
00:41:06,000 --> 00:41:10,160
Speaker 2: already married. So and he got the formal diagnosis that

785
00:41:10,200 --> 00:41:15,480
Speaker 2: he's low support is what the word is, low support autistic?

786
00:41:15,680 --> 00:41:18,800
Speaker 1: So oh wow, okay, so that means.

787
00:41:18,600 --> 00:41:21,800
Speaker 2: He's able to hold a job he's able to mask

788
00:41:21,920 --> 00:41:24,719
Speaker 2: and communicate, but he rather be by himself.

789
00:41:25,320 --> 00:41:27,359
Speaker 1: Low support in that he doesn't need a lot of

790
00:41:27,480 --> 00:41:30,759
Speaker 1: he can get by opposing high functioning.

791
00:41:31,840 --> 00:41:34,600
Speaker 2: Yeah. Yeah, because there's definitely lingo. So I've learned right

792
00:41:34,640 --> 00:41:37,040
Speaker 2: now that I'm with him and you're a divergent person

793
00:41:37,120 --> 00:41:42,320
Speaker 2: as he's learning that. Yeah, because otherwise it's it's high

794
00:41:42,320 --> 00:41:46,600
Speaker 2: functioning or high support. I forget what the word is,

795
00:41:46,640 --> 00:41:49,239
Speaker 2: but yeah, basically low support, as he doesn't need too

796
00:41:49,280 --> 00:41:54,560
Speaker 2: many tools, where somebody who's nonverbal autistic, right, they need

797
00:41:54,600 --> 00:41:57,200
Speaker 2: more support to be able to get through the world.

798
00:41:57,400 --> 00:42:00,160
Speaker 1: Okay, gotcha. Well it's wonderful that he's the open to

799
00:42:00,280 --> 00:42:03,600
Speaker 1: like traveling and like you have this adventuresome, adventurous kind

800
00:42:03,600 --> 00:42:06,320
Speaker 1: of relationship where you get to reinvent yourselves every couple

801
00:42:06,320 --> 00:42:08,880
Speaker 1: of years. There's something really romantic about that.

802
00:42:09,120 --> 00:42:11,399
Speaker 2: Thanks. Yeah, we love it. It works out. We met

803
00:42:11,400 --> 00:42:13,240
Speaker 2: on e harmony too, so shout out to e harmony.

804
00:42:14,480 --> 00:42:18,920
Speaker 1: What wait, then, you do sound old. We're not old

805
00:42:19,000 --> 00:42:21,759
Speaker 1: enough for e harmony, are we? I mean, I guess

806
00:42:21,760 --> 00:42:22,520
Speaker 1: you're still around.

807
00:42:24,080 --> 00:42:26,839
Speaker 2: I was twenty seven, I think twenty seven or twenty eight.

808
00:42:28,239 --> 00:42:29,960
Speaker 1: Well, you've had such a hell of a year my

809
00:42:30,080 --> 00:42:33,719
Speaker 1: friend like you went through. I mean, just so much

810
00:42:33,760 --> 00:42:35,719
Speaker 1: has happened because, I mean, the last time I was

811
00:42:35,719 --> 00:42:38,600
Speaker 1: really in tune with your your updates on social media,

812
00:42:38,640 --> 00:42:41,680
Speaker 1: you were dealing with your health situation. You had to

813
00:42:41,680 --> 00:42:43,839
Speaker 1: have an urgent hysterectomy. Was that last year?

814
00:42:44,600 --> 00:42:46,239
Speaker 2: No, that was in twenty twenty three.

815
00:42:46,840 --> 00:42:49,759
Speaker 1: Oh okay, it wasn't that long ago. Then, How have

816
00:42:49,800 --> 00:42:52,520
Speaker 1: you been healing from that? How are you doing so

817
00:42:52,640 --> 00:42:53,240
Speaker 1: much better?

818
00:42:53,480 --> 00:42:58,319
Speaker 2: And honestly, that was my biggest knock on wood. That's

819
00:42:58,360 --> 00:43:02,360
Speaker 2: been my biggest health tragedy that I've had, So it

820
00:43:02,520 --> 00:43:06,399
Speaker 2: really helped me appreciate my body. Ever since then, I've

821
00:43:06,440 --> 00:43:10,800
Speaker 2: never talked bad about my body because now I value

822
00:43:11,000 --> 00:43:14,840
Speaker 2: mobility so much after having that C section and not

823
00:43:14,920 --> 00:43:19,160
Speaker 2: being able to get up myself. It's also transformed the

824
00:43:19,200 --> 00:43:22,440
Speaker 2: way that I approach exercise and nutrition. It's not about

825
00:43:22,520 --> 00:43:26,800
Speaker 2: a certain aesthetic or a certain body. It's for longevity

826
00:43:27,160 --> 00:43:30,880
Speaker 2: and again mobility. So I'm thankful for that experience in

827
00:43:30,920 --> 00:43:34,799
Speaker 2: that sense that it's again I go work out to

828
00:43:34,840 --> 00:43:39,160
Speaker 2: be strong and to stay active, not before I'm trying

829
00:43:39,160 --> 00:43:41,480
Speaker 2: to get the apps like the girls on Love Island

830
00:43:41,600 --> 00:43:43,320
Speaker 2: or whatever. It's not about that anymore?

831
00:43:43,800 --> 00:43:46,680
Speaker 1: Wait, are you Nicolandria hive or no?

832
00:43:46,800 --> 00:43:47,600
Speaker 2: I just started.

833
00:43:47,960 --> 00:43:50,360
Speaker 1: I just started because people tell me, don't get me

834
00:43:50,360 --> 00:43:52,040
Speaker 1: a little crapping that window, because I will.

835
00:43:56,280 --> 00:43:57,040
Speaker 2: I live for it.

836
00:43:57,080 --> 00:44:00,560
Speaker 1: I live for Nicolandria. I mean, I don't know, girl,

837
00:44:00,600 --> 00:44:02,000
Speaker 1: it's not well. I'm like, yeah, it's a little late

838
00:44:02,040 --> 00:44:04,120
Speaker 1: for us, for old married ladies now. But I'm like,

839
00:44:04,200 --> 00:44:05,880
Speaker 1: is there like an old married ladies version of that?

840
00:44:06,520 --> 00:44:08,759
Speaker 1: I think that's called temptation Island where they bring you

841
00:44:08,800 --> 00:44:11,160
Speaker 1: on and they try to get you on your south.

842
00:44:11,520 --> 00:44:14,480
Speaker 2: Yeah you swap yeah, no things.

843
00:44:14,719 --> 00:44:16,520
Speaker 1: Also, I do not want to see myself kiss on.

844
00:44:17,600 --> 00:44:19,759
Speaker 2: On Netflix too. I think have you seen that one?

845
00:44:20,320 --> 00:44:21,000
Speaker 2: That one's similar?

846
00:44:21,239 --> 00:44:23,480
Speaker 1: I have not seen it, but I've heard of it.

847
00:44:23,480 --> 00:44:26,560
Speaker 1: It sounds real toxic and messy. Maybe I should watch it.

848
00:44:26,680 --> 00:44:30,920
Speaker 1: I don't know. I want to wrap up by talking

849
00:44:30,960 --> 00:44:32,799
Speaker 1: a little bit about I mean, I mentioned you had

850
00:44:32,800 --> 00:44:34,560
Speaker 1: this big year, You've had the health situation, you had

851
00:44:34,560 --> 00:44:36,200
Speaker 1: your book, I mean a couple of years, I guess,

852
00:44:36,239 --> 00:44:39,280
Speaker 1: and then the book coming out, You've moved to Spain.

853
00:44:39,920 --> 00:44:43,040
Speaker 1: How has all of this impacted your business? How's business doing?

854
00:44:43,120 --> 00:44:46,240
Speaker 1: And how has your like how far out in your business?

855
00:44:46,280 --> 00:44:49,120
Speaker 1: Have you planned for what this means and are you

856
00:44:49,120 --> 00:44:51,800
Speaker 1: feeling secure at least for now. I know, as business

857
00:44:51,800 --> 00:44:55,560
Speaker 1: owners like nothing ain't ever study one hundred percent, But

858
00:44:56,280 --> 00:44:57,319
Speaker 1: how has that been for you?

859
00:44:57,880 --> 00:45:00,480
Speaker 2: That's a great question, great question, and and I actually

860
00:45:00,680 --> 00:45:03,280
Speaker 2: was just going to post a reel about this because

861
00:45:04,920 --> 00:45:08,520
Speaker 2: part of me working my ass off with my book

862
00:45:08,560 --> 00:45:13,319
Speaker 2: launch was to really solidify myself as the go to,

863
00:45:13,680 --> 00:45:17,520
Speaker 2: first gen financial educator, and I fully did the work

864
00:45:17,640 --> 00:45:21,040
Speaker 2: to do that. Since the book has been out, I've

865
00:45:21,080 --> 00:45:23,880
Speaker 2: been invited to stages that I never thought I would

866
00:45:23,880 --> 00:45:27,280
Speaker 2: be on right, So that's been incredible. But what hasn't

867
00:45:27,320 --> 00:45:31,600
Speaker 2: been as incredible is again Trumpy Dumpty coming into office

868
00:45:31,960 --> 00:45:36,200
Speaker 2: and attacking and dismantling Dee and I initiatives and those

869
00:45:36,239 --> 00:45:42,120
Speaker 2: budgets being cut. So that's definitely affected my livelihood in

870
00:45:42,480 --> 00:45:45,799
Speaker 2: the speaker side of my business, which is frustrating because

871
00:45:45,800 --> 00:45:48,560
Speaker 2: again I work so hard for it. I also know

872
00:45:48,880 --> 00:45:53,400
Speaker 2: it's needed information in my community. And the fact that

873
00:45:53,680 --> 00:45:56,719
Speaker 2: now again the budgets aren't there, it's really frustrating. So

874
00:45:56,880 --> 00:45:59,720
Speaker 2: I'm having to go back to basics, which is content.

875
00:46:00,120 --> 00:46:04,560
Speaker 2: You know, content is democratized, it's anybody can access it

876
00:46:04,600 --> 00:46:08,360
Speaker 2: on social media. So I'm I'm excited, but also honestly

877
00:46:08,400 --> 00:46:10,640
Speaker 2: a little intimidated because things have changed a lot since

878
00:46:10,640 --> 00:46:12,799
Speaker 2: I started in twenty twenty one. You know, back in

879
00:46:12,840 --> 00:46:14,640
Speaker 2: twenty twenty one, it was like the dances and the

880
00:46:14,680 --> 00:46:17,160
Speaker 2: finger pointing with the text. That is not the same

881
00:46:17,680 --> 00:46:21,359
Speaker 2: social media. So I'm excited to step it up.

882
00:46:22,040 --> 00:46:25,080
Speaker 1: Yeah, it all of us bump.

883
00:46:25,480 --> 00:46:28,719
Speaker 2: Even the editing. Yeah, even the editing style has changed

884
00:46:29,000 --> 00:46:32,000
Speaker 2: now there's a lot more like little sounds, the clicking sound,

885
00:46:32,200 --> 00:46:39,879
Speaker 2: the bells, kind of like YouTube style. So hut, yeah right,

886
00:46:40,000 --> 00:46:44,280
Speaker 2: so so yeah, So business wise, it's fine because again,

887
00:46:44,600 --> 00:46:50,200
Speaker 2: our expenses are low, we are frugal with our finances.

888
00:46:50,239 --> 00:46:53,680
Speaker 2: We don't have any debt. But but yeah, I do

889
00:46:53,800 --> 00:46:57,440
Speaker 2: wonder long term if if this administration and coming in

890
00:46:57,440 --> 00:47:01,480
Speaker 2: administrations are the same way, I don't know how sustainable

891
00:47:02,040 --> 00:47:04,440
Speaker 2: this kind of work will be. But you know what,

892
00:47:04,480 --> 00:47:07,400
Speaker 2: I'm okay with that. I'm okay with that because again,

893
00:47:07,520 --> 00:47:10,200
Speaker 2: as a big reason for you being in Spain is

894
00:47:10,239 --> 00:47:14,040
Speaker 2: to pursue Spanish citizenship. So I'd love to share this

895
00:47:14,080 --> 00:47:17,240
Speaker 2: with your audience. This is something that I had recently learned,

896
00:47:17,760 --> 00:47:22,600
Speaker 2: is that if you are a passport holder of a

897
00:47:22,640 --> 00:47:28,200
Speaker 2: former Spanish colony, so basically all of Latin America, the Philippines,

898
00:47:29,280 --> 00:47:35,200
Speaker 2: some other countries too. Spain lets you apply for citizenship

899
00:47:35,320 --> 00:47:39,160
Speaker 2: after two years of legal residency here, as opposed to

900
00:47:39,280 --> 00:47:41,960
Speaker 2: ten years. So for example, my husband who just has

901
00:47:42,000 --> 00:47:45,160
Speaker 2: a US passport, he would have to wait ten years

902
00:47:45,280 --> 00:47:50,760
Speaker 2: of living here legally quote unquote right with the approved

903
00:47:50,800 --> 00:47:53,759
Speaker 2: visa for him to be able to qualify for Spanish citizenship.

904
00:47:53,840 --> 00:47:57,480
Speaker 2: Where me, I get a fast track for two years

905
00:47:57,480 --> 00:48:02,680
Speaker 2: for having a Mexican passport. And once I secure that passport,

906
00:48:02,920 --> 00:48:05,120
Speaker 2: guess what, I no longer have to meet a certain

907
00:48:05,200 --> 00:48:09,360
Speaker 2: income threshold, and I am basically barista fire. Have you

908
00:48:09,400 --> 00:48:12,080
Speaker 2: shared Barista fire with your community?

909
00:48:13,280 --> 00:48:13,919
Speaker 1: What is that?

910
00:48:14,640 --> 00:48:19,000
Speaker 2: Barista fire is when you have put away enough money

911
00:48:19,120 --> 00:48:24,880
Speaker 2: in retirement. You invested aggressively when you were young, to

912
00:48:24,960 --> 00:48:27,719
Speaker 2: the point where you don't have to contribute anymore, and

913
00:48:27,760 --> 00:48:31,800
Speaker 2: you will be fine by the time that you retire

914
00:48:31,800 --> 00:48:35,120
Speaker 2: at the traditional age of sixty five. I've done the projections.

915
00:48:35,400 --> 00:48:37,600
Speaker 2: If I wait till sixty five, I'll have over three

916
00:48:37,600 --> 00:48:40,160
Speaker 2: million dollars. Honestly, I'm not going to wait till sixty five.

917
00:48:40,200 --> 00:48:45,520
Speaker 2: I'll probably do it sooner. So I stopped my contributions.

918
00:48:45,600 --> 00:48:47,920
Speaker 2: That was a big thing to when coming here to

919
00:48:48,000 --> 00:48:55,359
Speaker 2: Spain and why or yeah, why, I feel like that's

920
00:48:55,400 --> 00:48:58,640
Speaker 2: a whole other episode again because I reached the milestone

921
00:48:58,680 --> 00:49:01,040
Speaker 2: of being Coast fire, or I don't have to do

922
00:49:01,120 --> 00:49:02,360
Speaker 2: anymore and I will.

923
00:49:02,239 --> 00:49:06,160
Speaker 1: Still be find your number that you calculated. Okay, gotcha, Yeah.

924
00:49:06,040 --> 00:49:08,080
Speaker 2: I reached that number, which I'm happy to share. It's

925
00:49:08,440 --> 00:49:11,000
Speaker 2: I'm thirty six and that's two hundred k. So I've

926
00:49:11,040 --> 00:49:15,160
Speaker 2: I've done the projections and for my needs, for my expenses,

927
00:49:15,160 --> 00:49:16,799
Speaker 2: for my lifestyle, that's what works for me.

928
00:49:16,960 --> 00:49:18,960
Speaker 1: Two hundred k per year.

929
00:49:20,040 --> 00:49:23,239
Speaker 2: No, I have two hundred k in my portfolio.

930
00:49:24,239 --> 00:49:26,440
Speaker 1: Oh okay, and so you've stopped and now you're just

931
00:49:26,440 --> 00:49:27,400
Speaker 1: gonna let that marinate.

932
00:49:27,440 --> 00:49:30,239
Speaker 2: But a compound, yeah, let it let it grow? Yes

933
00:49:31,200 --> 00:49:34,360
Speaker 2: early then girl, look into it. Yeah, I mean it's

934
00:49:34,600 --> 00:49:36,799
Speaker 2: it's more feasible than you think. I think a lot

935
00:49:36,800 --> 00:49:40,319
Speaker 2: of people just you know, spend consume newest iPhone this

936
00:49:40,400 --> 00:49:42,880
Speaker 2: and that, but if you really sit down and do

937
00:49:42,960 --> 00:49:46,000
Speaker 2: the numbers, it could be feasible depending on your expenses

938
00:49:46,040 --> 00:49:49,560
Speaker 2: and your income. So for me, what Barista Fire is

939
00:49:49,560 --> 00:49:52,680
Speaker 2: is again, once you have an off that you no

940
00:49:52,719 --> 00:49:56,279
Speaker 2: longer have to be putting away money for retirement. You're

941
00:49:56,320 --> 00:49:59,600
Speaker 2: able to have a lifestyle where you can take a

942
00:49:59,640 --> 00:50:02,120
Speaker 2: lower paying job so I don't have to be making

943
00:50:02,160 --> 00:50:05,280
Speaker 2: six figures because I don't have to worry about contributing

944
00:50:05,280 --> 00:50:07,920
Speaker 2: to retirement. I can take a job working at a bakery,

945
00:50:08,080 --> 00:50:10,799
Speaker 2: working at a bookstore, just enough to pay me for

946
00:50:10,920 --> 00:50:14,239
Speaker 2: my living expenses. And this works also because I have

947
00:50:14,280 --> 00:50:16,880
Speaker 2: a fully funded emergency fund. I have no debt, So

948
00:50:16,920 --> 00:50:19,160
Speaker 2: there's a lot of other boxes that I've already checked

949
00:50:19,680 --> 00:50:23,839
Speaker 2: before you can claim coast fire or burrace the fire.

950
00:50:24,840 --> 00:50:26,560
Speaker 1: You're kind of just like, I mean, that's what a

951
00:50:26,600 --> 00:50:28,799
Speaker 1: lot of retirees do. Like they retire, but they don't

952
00:50:28,800 --> 00:50:30,800
Speaker 1: want to stop working, so they work at the library

953
00:50:30,840 --> 00:50:34,680
Speaker 1: where they volub here. You know. That's see, that's what

954
00:50:34,719 --> 00:50:37,480
Speaker 1: I want more of. I want more of people who

955
00:50:37,520 --> 00:50:41,720
Speaker 1: are retiring moving abroad. Yeah, people who are like moving abroad,

956
00:50:41,800 --> 00:50:44,920
Speaker 1: retiring but actually just like living their lives and then

957
00:50:45,040 --> 00:50:47,480
Speaker 1: not turning that into a business that they then have

958
00:50:47,560 --> 00:50:50,680
Speaker 1: to run talking about how they retired early, and then

959
00:50:50,680 --> 00:50:52,960
Speaker 1: it's like, are you really retired because you be on

960
00:50:53,040 --> 00:50:57,040
Speaker 1: that on that machine. I mean like, no shit to

961
00:50:57,080 --> 00:50:59,759
Speaker 1: anyone who's living their life, but can someone just be

962
00:50:59,800 --> 00:51:03,760
Speaker 1: out they are just like minding their biggest a few girl.

963
00:51:04,960 --> 00:51:08,000
Speaker 1: I just want I just want people to just My

964
00:51:08,120 --> 00:51:09,520
Speaker 1: ideal is like if I don't have to be on

965
00:51:09,560 --> 00:51:12,160
Speaker 1: these internet streets just like putting my business out there

966
00:51:12,200 --> 00:51:14,480
Speaker 1: and cutting clips and stuff, like, I want that kind

967
00:51:14,520 --> 00:51:16,920
Speaker 1: of retirement And that's my four.

968
00:51:17,080 --> 00:51:19,080
Speaker 2: But you know what, you've been doing this a long time,

969
00:51:19,239 --> 00:51:20,839
Speaker 2: so I think that's why you feel that way.

970
00:51:20,920 --> 00:51:23,080
Speaker 1: You know, you're an og, yes and og but then

971
00:51:23,120 --> 00:51:26,080
Speaker 1: also like as but it's different. I don't think I'll

972
00:51:26,080 --> 00:51:28,200
Speaker 1: ever not want to be sharing and like being involved

973
00:51:28,239 --> 00:51:30,440
Speaker 1: with BA fan, but it's about like the choice to

974
00:51:30,480 --> 00:51:33,040
Speaker 1: do it rather than like I gotta get on here

975
00:51:33,040 --> 00:51:36,799
Speaker 1: and post these goddamn clips and stuff. And not that

976
00:51:36,840 --> 00:51:40,399
Speaker 1: I've ever been that great about any kind of like

977
00:51:40,760 --> 00:51:43,400
Speaker 1: content commitment and like strata other than putting out the

978
00:51:43,440 --> 00:51:46,120
Speaker 1: show every week, year after year after year, seven hundred

979
00:51:46,120 --> 00:51:47,800
Speaker 1: and forty five episodes, Thank you very.

980
00:51:47,719 --> 00:51:51,440
Speaker 2: Just that just that me consistency.

981
00:51:51,480 --> 00:51:55,840
Speaker 1: What But to have the freedom to just come on

982
00:51:55,920 --> 00:51:57,239
Speaker 1: as you want to and do the things that you

983
00:51:57,280 --> 00:51:59,480
Speaker 1: really want to do, it's it's choice. It's to me,

984
00:51:59,560 --> 00:52:02,000
Speaker 1: that's the healthiness that I'm going for, is like the

985
00:52:02,160 --> 00:52:05,080
Speaker 1: choice to do what moves me. I loved earlier when

986
00:52:05,120 --> 00:52:06,759
Speaker 1: you were like thinking about maybe I'll do be an

987
00:52:06,840 --> 00:52:09,040
Speaker 1: uber uber eats driver. That could be kind of fun.

988
00:52:10,520 --> 00:52:13,719
Speaker 2: Yeah, well here they do it. They do it in

989
00:52:13,800 --> 00:52:17,080
Speaker 2: scooters and like little is that what they're called scooters,

990
00:52:17,080 --> 00:52:18,759
Speaker 2: like electric scooters.

991
00:52:19,960 --> 00:52:22,239
Speaker 1: Like a little scooters or like the little motorcycles that

992
00:52:22,320 --> 00:52:26,680
Speaker 1: people call scooters, not the motorcycles. So the little ones, oh,

993
00:52:26,719 --> 00:52:27,719
Speaker 1: like the ones you stand up on.

994
00:52:28,360 --> 00:52:30,879
Speaker 2: Yes, So when you stand up on that, everybody here

995
00:52:30,960 --> 00:52:34,879
Speaker 2: gets around and delivers what they call they are uber eats,

996
00:52:34,880 --> 00:52:38,040
Speaker 2: it's called global So they just get some fresh air

997
00:52:38,800 --> 00:52:41,000
Speaker 2: riding their little tiny scooters. So to me, I'm like,

998
00:52:41,160 --> 00:52:43,960
Speaker 2: that's fun getting to know different neighborhoods. Why not.

999
00:52:45,120 --> 00:52:47,160
Speaker 1: You know, any job can be fun when you don't

1000
00:52:47,160 --> 00:52:49,480
Speaker 1: have to rely on that as your sole you know,

1001
00:52:49,640 --> 00:52:52,640
Speaker 1: source of income and livelihood. Like people would be so

1002
00:52:52,719 --> 00:52:54,239
Speaker 1: much nicer and kinder, and you.

1003
00:52:54,200 --> 00:52:58,480
Speaker 2: Are financially secure, right, you're not laying paycheck to paycheck.

1004
00:52:58,719 --> 00:53:00,279
Speaker 1: And you know that you could get up and leave

1005
00:53:00,320 --> 00:53:02,080
Speaker 1: if they weren't treating you right, because like you're not

1006
00:53:02,160 --> 00:53:04,680
Speaker 1: there for you know that you're not anybody's slave or

1007
00:53:04,719 --> 00:53:08,480
Speaker 1: anyone's that you know. Well, I'm really excited for this chapter.

1008
00:53:08,640 --> 00:53:11,440
Speaker 1: Is there anything else we haven't touched on that you

1009
00:53:11,440 --> 00:53:13,759
Speaker 1: want to share about living abroad in Spain? Anything BA

1010
00:53:13,840 --> 00:53:17,319
Speaker 1: fan needs to know? Thanks for not gatekeeping Spain by

1011
00:53:17,360 --> 00:53:19,640
Speaker 1: the way, Portugal has had its time. Let's see what

1012
00:53:19,680 --> 00:53:22,880
Speaker 1: else is going on in Europe.

1013
00:53:23,560 --> 00:53:27,000
Speaker 2: Yeah, yeah, yeah, I think the I think the last

1014
00:53:27,000 --> 00:53:29,200
Speaker 2: thing I want to touch on is probably the notion

1015
00:53:29,280 --> 00:53:34,040
Speaker 2: of like expat versus immigrant. I consider myself an immigrant

1016
00:53:34,239 --> 00:53:38,640
Speaker 2: because I worked with an immigration attorney, not an expat attorney.

1017
00:53:39,880 --> 00:53:44,800
Speaker 2: So that's something that right now isn't an issue in Spain.

1018
00:53:44,840 --> 00:53:47,080
Speaker 2: I know in Portugal right there going through their housing

1019
00:53:47,120 --> 00:53:51,520
Speaker 2: crisis with there's a lot of factors. I haven't felt

1020
00:53:51,560 --> 00:53:54,759
Speaker 2: that sentiment in Spain yet. I don't know if I

1021
00:53:54,800 --> 00:54:00,880
Speaker 2: will at some point. I honestly don't care because I

1022
00:54:00,920 --> 00:54:04,240
Speaker 2: am half Spanish as a Mestizo Mexican. I've done my

1023
00:54:04,239 --> 00:54:09,120
Speaker 2: my genetics. Yeah I am. My family is from southern

1024
00:54:09,160 --> 00:54:14,520
Speaker 2: Spain and they're also indigenous from Mexico. So Spain colonized

1025
00:54:15,040 --> 00:54:18,359
Speaker 2: half of my family. So I am okay with being

1026
00:54:18,400 --> 00:54:23,160
Speaker 2: here and again I'm creates. Yeah, I'm taking up space.

1027
00:54:23,840 --> 00:54:26,240
Speaker 2: At first, I was trying to really learn the lingo

1028
00:54:26,400 --> 00:54:29,880
Speaker 2: to sound more like a local. I said, girl, stop,

1029
00:54:30,200 --> 00:54:33,600
Speaker 2: they know just from looking at you you're not Spanish.

1030
00:54:34,000 --> 00:54:36,239
Speaker 2: So for example, here the way that they say, oh,

1031
00:54:36,280 --> 00:54:38,719
Speaker 2: that's cool, right, So in Mexican Spanish, it's like I

1032
00:54:38,760 --> 00:54:42,279
Speaker 2: get babre Here they say okay, why and I'm like

1033
00:54:42,320 --> 00:54:44,840
Speaker 2: it doesn't sound natural, plus not how I grow saying it.

1034
00:54:44,960 --> 00:54:47,760
Speaker 2: Or you know, somebody, my friend, maybe from South America,

1035
00:54:47,760 --> 00:54:51,440
Speaker 2: they say, get Chevre, right, get Chevre and and and

1036
00:54:51,560 --> 00:54:56,840
Speaker 2: here I earlier I went to espresso. Yeah, it's like,

1037
00:54:56,840 --> 00:55:00,879
Speaker 2: oh that's so cool, that's so cool. Get chev Oh

1038
00:55:00,920 --> 00:55:03,160
Speaker 2: I don't know they plays go.

1039
00:55:03,480 --> 00:55:08,240
Speaker 1: From what I understand, it was something like that. Yeah.

1040
00:55:08,360 --> 00:55:10,399
Speaker 1: You know, well it wasn't at Barcelona where they were

1041
00:55:10,440 --> 00:55:12,800
Speaker 1: like water gun they were shooting people with water guns.

1042
00:55:12,840 --> 00:55:15,759
Speaker 1: But that was more about the tourists and the araban beers, right.

1043
00:55:16,280 --> 00:55:19,359
Speaker 2: Yes, I'd love to add context. Yes, so that is

1044
00:55:19,760 --> 00:55:26,839
Speaker 2: and specifically it's for its anti British tourists because it's

1045
00:55:26,840 --> 00:55:29,880
Speaker 2: so funny. We as Americans have this view of the

1046
00:55:29,920 --> 00:55:34,520
Speaker 2: British of like tea and etiquette. And so propa. You know,

1047
00:55:35,080 --> 00:55:39,920
Speaker 2: apparently what I've heard on these streets is like the

1048
00:55:39,960 --> 00:55:43,600
Speaker 2: worst of the worst British people go party in Spain

1049
00:55:43,719 --> 00:55:46,560
Speaker 2: and they trash Spain and that's why there's been a

1050
00:55:46,560 --> 00:55:49,240
Speaker 2: lot of that, like we don't want these drunk British

1051
00:55:49,239 --> 00:55:54,000
Speaker 2: people here and so it's that. But also the airbnb

1052
00:55:54,160 --> 00:55:57,359
Speaker 2: housing crisis, and I mean that's happening in a lot

1053
00:55:57,400 --> 00:55:59,720
Speaker 2: of a lot of cities, right. It's such a shame

1054
00:55:59,760 --> 00:56:03,120
Speaker 2: that nobody was able to foresee how that would affect locals.

1055
00:56:03,920 --> 00:56:08,320
Speaker 2: So yeah, they've gone stricter with the short term housing

1056
00:56:08,360 --> 00:56:08,880
Speaker 2: because of that.

1057
00:56:10,080 --> 00:56:13,399
Speaker 1: And you haven't launched your line of airbnb properties yet, so.

1058
00:56:14,040 --> 00:56:17,759
Speaker 2: I will never Yeah, yeah, that is not me, not

1059
00:56:17,840 --> 00:56:20,520
Speaker 2: at all.

1060
00:56:20,360 --> 00:56:22,359
Speaker 1: Well, thanks for giving me one more reason to try

1061
00:56:22,360 --> 00:56:24,120
Speaker 1: to get my butt back to Spain. I was like you,

1062
00:56:24,239 --> 00:56:28,640
Speaker 1: I had my honeymoon partially in Barcelona, in Spain and

1063
00:56:28,760 --> 00:56:31,000
Speaker 1: loved it so much and we have not gotten back yet.

1064
00:56:31,320 --> 00:56:31,919
Speaker 1: What the heck?

1065
00:56:31,960 --> 00:56:32,480
Speaker 2: Who was that?

1066
00:56:34,440 --> 00:56:37,800
Speaker 1: Where? Or when? When? Oh? That was I got married

1067
00:56:37,800 --> 00:56:38,719
Speaker 1: in twenty seventeen.

1068
00:56:39,280 --> 00:56:40,240
Speaker 2: Okay, how fun?

1069
00:56:40,800 --> 00:56:43,879
Speaker 1: Yeah, And the weirdest thing is I remember a couple

1070
00:56:43,920 --> 00:56:47,080
Speaker 1: of favorite memories from being in Barcelona was one us

1071
00:56:47,120 --> 00:56:49,600
Speaker 1: being the Americans who got to dinner at six o'clock

1072
00:56:49,680 --> 00:56:53,600
Speaker 1: and we're like, there was nobody over there. Yeah, yeah,

1073
00:56:53,640 --> 00:56:56,600
Speaker 1: and always constantly being asked by the waiters, are you

1074
00:56:56,640 --> 00:56:58,680
Speaker 1: sure you want that? You sure you want more? I

1075
00:56:58,680 --> 00:57:02,960
Speaker 1: think you're good, right, that's funny, like stop shaming as

1076
00:57:03,040 --> 00:57:06,080
Speaker 1: we want more? And I learned that was the first

1077
00:57:06,120 --> 00:57:07,840
Speaker 1: place I ever tried oat milk. I was like, what

1078
00:57:07,960 --> 00:57:10,759
Speaker 1: is this an oat milk lot? Before it even came

1079
00:57:10,800 --> 00:57:13,560
Speaker 1: to the States, but beaut and I had it. I

1080
00:57:13,560 --> 00:57:16,000
Speaker 1: have not been to Valencia. So you're on the east coast.

1081
00:57:16,120 --> 00:57:19,680
Speaker 1: What's the vibe? Is it desert there? Is it? What's

1082
00:57:19,680 --> 00:57:22,640
Speaker 1: the what's the vibe? Like, what's the the not the culture,

1083
00:57:22,720 --> 00:57:23,240
Speaker 1: the climate.

1084
00:57:23,920 --> 00:57:27,360
Speaker 2: Yeah, so it's Mediterranean climate. We're right on the beach.

1085
00:57:28,160 --> 00:57:31,480
Speaker 2: We are a ten minute drive to the beach, but

1086
00:57:32,160 --> 00:57:35,200
Speaker 2: still still then basically like think of San Diego, right,

1087
00:57:35,240 --> 00:57:39,040
Speaker 2: A lot of people compare it to San Diego. So, yeah,

1088
00:57:39,040 --> 00:57:43,280
Speaker 2: but the heats are in the summer's intense. It's really hot.

1089
00:57:43,400 --> 00:57:47,840
Speaker 2: It's probably in the nineties low nineties, and air conditioning

1090
00:57:47,920 --> 00:57:51,400
Speaker 2: isn't as common here. That's rough, you know, because yeah,

1091
00:57:51,400 --> 00:57:52,400
Speaker 2: because because they.

1092
00:57:52,360 --> 00:57:54,240
Speaker 1: Don't think ice cubes, right, they don't be putting ice

1093
00:57:54,280 --> 00:57:54,760
Speaker 1: in their stuff.

1094
00:57:55,840 --> 00:58:02,200
Speaker 2: You asked for it. Yeah, there's things like that that that. Yeah,

1095
00:58:02,200 --> 00:58:03,520
Speaker 2: you have to kind of get used to it and

1096
00:58:03,560 --> 00:58:05,680
Speaker 2: go with it and not try to bring America to

1097
00:58:05,760 --> 00:58:08,400
Speaker 2: hear you know. So that's when people that's when the

1098
00:58:08,440 --> 00:58:11,680
Speaker 2: locals get upset when oh, speak English to me or

1099
00:58:12,200 --> 00:58:14,919
Speaker 2: you know, serve me at this time or so. Yeah,

1100
00:58:14,960 --> 00:58:17,720
Speaker 2: so I've I've For me, it was an easy transition

1101
00:58:17,840 --> 00:58:19,600
Speaker 2: to go. I used to have dinner in the US

1102
00:58:19,640 --> 00:58:22,760
Speaker 2: at five thirty because again that's the pace of life

1103
00:58:22,800 --> 00:58:27,760
Speaker 2: in Chicago, and here we have dinner after eight right now,

1104
00:58:27,800 --> 00:58:29,640
Speaker 2: I'm probably going to have dinner or at nine thirty.

1105
00:58:29,800 --> 00:58:32,240
Speaker 2: So and it was something that was easy for me

1106
00:58:32,280 --> 00:58:34,000
Speaker 2: to get used to because growing up in a Mexican

1107
00:58:34,040 --> 00:58:37,000
Speaker 2: American household, it's similar. You have dinner, yeah, around eight

1108
00:58:37,040 --> 00:58:40,520
Speaker 2: or eight thirty. So I'm going back to my roots.

1109
00:58:41,280 --> 00:58:43,160
Speaker 1: That's so fun. It's such a fun. But you and

1110
00:58:43,200 --> 00:58:44,760
Speaker 1: you can if you approach it like it sounds like

1111
00:58:44,800 --> 00:58:47,960
Speaker 1: you're doing really examining your roots, and like, you know,

1112
00:58:48,240 --> 00:58:50,720
Speaker 1: I love that. I love the idea that because they

1113
00:58:50,840 --> 00:58:54,800
Speaker 1: formally colgonize Mexico that you know, it's a small form

1114
00:58:54,840 --> 00:59:00,600
Speaker 1: of like reparation operation. Yeah exactly. I'm like have anything

1115
00:59:00,600 --> 00:59:02,720
Speaker 1: like that in Nigeria and Ghana where my people will

1116
00:59:02,760 --> 00:59:06,800
Speaker 1: come from on the African continent. I don't know. They're like,

1117
00:59:06,800 --> 00:59:08,240
Speaker 1: we don't know what to do with you girl, because

1118
00:59:08,240 --> 00:59:12,040
Speaker 1: you got the English side and you have the African side,

1119
00:59:12,080 --> 00:59:17,000
Speaker 1: like Tketing. Well, thank you so much for joining me

1120
00:59:17,040 --> 00:59:19,840
Speaker 1: on Brown Ambition and for sharing a part of your

1121
00:59:19,880 --> 00:59:22,040
Speaker 1: journey with us. It's been really it's been so lovely

1122
00:59:22,440 --> 00:59:25,520
Speaker 1: to get to catch up with you. And I'm gonna

1123
00:59:25,680 --> 00:59:28,080
Speaker 1: have to check out your podcast more often. The podcast

1124
00:59:28,120 --> 00:59:28,840
Speaker 1: what's it called again?

1125
00:59:29,880 --> 00:59:33,720
Speaker 2: Just like the book Guldura and Cash and fun yes, fun,

1126
00:59:33,760 --> 00:59:35,880
Speaker 2: tid bit. I had no plans to launch a podcast.

1127
00:59:35,920 --> 00:59:38,000
Speaker 2: The reason I had to launch it was because a

1128
00:59:38,080 --> 00:59:41,720
Speaker 2: copycat who you may know, who will not be named

1129
00:59:41,880 --> 00:59:45,680
Speaker 2: Boltemore here was trying to come up with the podcast

1130
00:59:45,800 --> 00:59:49,840
Speaker 2: called Gudura cash Flow, which was very similar to my

1131
00:59:50,200 --> 00:59:52,640
Speaker 2: established book Guduran Cash. So there was a cease and

1132
00:59:52,680 --> 00:59:55,840
Speaker 2: desist and I had to launch the podcast for me

1133
00:59:55,920 --> 00:59:58,320
Speaker 2: to be able to block her from using that as

1134
00:59:58,360 --> 01:00:01,200
Speaker 2: a podcast name. And fun fact, this was two years

1135
01:00:01,240 --> 01:00:03,880
Speaker 2: ago and she has yet to launch a podcast. She

1136
01:00:04,040 --> 01:00:05,920
Speaker 2: just cannot execute. This woman, and I think she's like

1137
01:00:05,960 --> 01:00:08,720
Speaker 2: getting a regular job again, karmat.

1138
01:00:08,440 --> 01:00:12,560
Speaker 1: Oh, I need to get this outline, yeahline. That's such

1139
01:00:12,600 --> 01:00:14,800
Speaker 1: a good testament. Sometimes people are so afraid to talk

1140
01:00:14,840 --> 01:00:17,120
Speaker 1: about their business out loud because they're afraid someone's gonna

1141
01:00:17,120 --> 01:00:20,080
Speaker 1: steal their idea. But then you forget a lot of people.

1142
01:00:20,640 --> 01:00:23,320
Speaker 1: Like you can tell someone you want to invent something

1143
01:00:23,440 --> 01:00:26,280
Speaker 1: or create a business, but the execution, like if they're

1144
01:00:26,320 --> 01:00:28,400
Speaker 1: not known to be executing anything, it takes a lot

1145
01:00:28,400 --> 01:00:33,480
Speaker 1: of work actually, and resources and commitment, and like sometimes

1146
01:00:33,640 --> 01:00:35,840
Speaker 1: there is a bit of a there is to be

1147
01:00:35,960 --> 01:00:38,160
Speaker 1: cautious about who you open up too, sure, but like

1148
01:00:38,200 --> 01:00:40,240
Speaker 1: to a certain extent, I'm not that afraid anymore because

1149
01:00:40,240 --> 01:00:41,560
Speaker 1: I'm like, what do you want to do a Mandy

1150
01:00:41,600 --> 01:00:44,480
Speaker 1: money Maker's too, Let's see, I'm already doing it. Good luck.

1151
01:00:44,600 --> 01:00:48,120
Speaker 2: Yeah yeah no. And if somebody's curious, I actually did

1152
01:00:48,160 --> 01:00:50,280
Speaker 2: spill the tea on this. I never named her, and

1153
01:00:50,320 --> 01:00:51,760
Speaker 2: I will never name her because I'm not going to

1154
01:00:51,760 --> 01:00:54,960
Speaker 2: give her a platform or any clout. But it's on

1155
01:00:55,200 --> 01:00:58,479
Speaker 2: my podcast and cash. The episode is called the Real

1156
01:00:58,640 --> 01:01:01,000
Speaker 2: Reason I Started a Podcast, and it's from April first,

1157
01:01:01,000 --> 01:01:03,320
Speaker 2: twenty twenty four. It's one of my most listened to

1158
01:01:03,440 --> 01:01:05,000
Speaker 2: episodes because people love the tea.

1159
01:01:05,600 --> 01:01:09,240
Speaker 1: Yeah, we love a little mess. Will be a fam

1160
01:01:09,320 --> 01:01:11,680
Speaker 1: You know what to do, Go subscribe to Cooldura and cash.

1161
01:01:11,760 --> 01:01:15,160
Speaker 1: How often are you putting out episodes? Girl?

1162
01:01:16,360 --> 01:01:19,440
Speaker 2: It's hard. It's honestly, I think podcasting is one of

1163
01:01:19,440 --> 01:01:22,680
Speaker 2: the hardest things because you have to be consistent. There's

1164
01:01:22,920 --> 01:01:25,200
Speaker 2: you know, TikTok. You can post whenever you want, whenever

1165
01:01:25,240 --> 01:01:28,320
Speaker 2: you feel like it, but it's very different. So I

1166
01:01:28,400 --> 01:01:30,440
Speaker 2: applaud you for being able to do this as long

1167
01:01:30,440 --> 01:01:33,280
Speaker 2: as you have. You know, my life is still a

1168
01:01:33,320 --> 01:01:36,200
Speaker 2: little upside down from the big move, but I'm hoping

1169
01:01:36,240 --> 01:01:38,360
Speaker 2: to get to a weekly consistency.

1170
01:01:38,840 --> 01:01:41,040
Speaker 1: Well, you have other income streams and that's fine, that's

1171
01:01:41,080 --> 01:01:43,080
Speaker 1: good as long as that you know, this isn't.

1172
01:01:42,920 --> 01:01:45,400
Speaker 2: Monetize, so it's not my priority unfortunately.

1173
01:01:45,480 --> 01:01:49,040
Speaker 1: Oh hell yeah, then girls, just take your time. But well,

1174
01:01:49,080 --> 01:01:52,760
Speaker 1: congratulations on the move, and I hope that you still

1175
01:01:52,760 --> 01:01:55,480
Speaker 1: have fun exploring and working your way till Spanish, till

1176
01:01:55,840 --> 01:01:58,080
Speaker 1: till you get your Spanish is it citizenship?

1177
01:01:58,600 --> 01:02:03,680
Speaker 2: Yeah, citizenship and then after I so with the citizenship

1178
01:02:03,760 --> 01:02:05,840
Speaker 2: you can apply for the passport, you have the passport,

1179
01:02:06,320 --> 01:02:08,400
Speaker 2: and then the big benefit of that too is that

1180
01:02:08,600 --> 01:02:11,240
Speaker 2: opens up the entire EU to you. Right, so then

1181
01:02:11,320 --> 01:02:13,480
Speaker 2: if we want to, let's say, move to Italy, then

1182
01:02:13,560 --> 01:02:15,840
Speaker 2: we again we like to move, we can do that.

1183
01:02:16,720 --> 01:02:18,640
Speaker 2: If we want to go to the Netherlands, it's we

1184
01:02:18,680 --> 01:02:20,560
Speaker 2: don't want to. We love Spain. We love Spain, but

1185
01:02:20,560 --> 01:02:22,400
Speaker 2: who knows where we'll be into three years.

1186
01:02:22,760 --> 01:02:24,760
Speaker 1: But Italy has been calling to you. At least it's

1187
01:02:24,760 --> 01:02:25,680
Speaker 1: only a train right away.

1188
01:02:25,840 --> 01:02:29,040
Speaker 2: Girl, They're they're going fascist again, so I don't know,

1189
01:02:29,680 --> 01:02:32,920
Speaker 2: it's great to visit. Yeah, yeah, it's they're having their

1190
01:02:33,000 --> 01:02:36,959
Speaker 2: Mussolini two point o over there. So unfortunately that's that's

1191
01:02:37,000 --> 01:02:39,360
Speaker 2: probably not a place I'll be settling in anytime soon,

1192
01:02:39,400 --> 01:02:41,200
Speaker 2: but a great place to visit. I will just say, yeah,

1193
01:02:41,200 --> 01:02:42,880
Speaker 2: a couple of weeks ago and it was hot. It

1194
01:02:42,920 --> 01:02:44,440
Speaker 2: was hot, but it was amazing.

1195
01:02:44,640 --> 01:02:47,840
Speaker 1: Well, good luck with everything, and they'll keep in touch

1196
01:02:47,920 --> 01:02:50,720
Speaker 1: and follow you everywhere. And Ba Fam, thank you so

1197
01:02:50,800 --> 01:02:52,960
Speaker 1: much for listening and we will see you next time.

1198
01:02:52,960 --> 01:02:55,240
Speaker 1: Thanks for joining me for this wash Day WUSA, and

1199
01:02:55,280 --> 01:02:59,680
Speaker 1: thank you again to Gigi my guest by ba Fam

1200
01:03:00,120 --> 01:03:02,600
Speaker 1: okay va Fam. Thank you so much for listening to

1201
01:03:02,680 --> 01:03:04,960
Speaker 1: this week's show. I want to shout out to our

1202
01:03:05,000 --> 01:03:09,920
Speaker 1: production team, Courtney, our editor, Carla, our fearless leader for

1203
01:03:10,080 --> 01:03:13,280
Speaker 1: idea to launch productions. I want to shout out my

1204
01:03:13,480 --> 01:03:18,280
Speaker 1: assistant Lauda Escalante and Cameron McNair for helping me put

1205
01:03:18,280 --> 01:03:21,440
Speaker 1: the show together. It is not a one person project,

1206
01:03:21,880 --> 01:03:24,000
Speaker 1: as much as I have tried to make it so

1207
01:03:24,200 --> 01:03:27,680
Speaker 1: these past ten years, I need help y'all, and thank

1208
01:03:27,720 --> 01:03:30,080
Speaker 1: goodness I've been able to put this team around me

1209
01:03:30,240 --> 01:03:33,440
Speaker 1: to support me on this journey and to y'all bea fam.

1210
01:03:33,480 --> 01:03:37,840
Speaker 1: I love you so, so so so much. Please rate, review, subscribe,

1211
01:03:37,840 --> 01:03:39,760
Speaker 1: make sure you signed up to the newsletter to get

1212
01:03:39,800 --> 01:03:43,560
Speaker 1: all the latest updates on upcoming episodes, our ten year

1213
01:03:43,600 --> 01:03:48,320
Speaker 1: anniversary celebrations to come, and until next time, talk to

1214
01:03:48,360 --> 01:03:49,360
Speaker 1: you soon via buy