1 00:00:03,279 --> 00:00:04,280 Speaker 1: Hello Sunshine. 2 00:00:04,440 --> 00:00:06,720 Speaker 2: Today on the bright Side, we're talking about what it 3 00:00:06,760 --> 00:00:09,960 Speaker 2: means to be a financial feminist and why it's so 4 00:00:10,039 --> 00:00:12,719 Speaker 2: important to get money into women's hands. 5 00:00:13,119 --> 00:00:15,640 Speaker 1: It's Monday, June tenth. I'm Danielle Robe. 6 00:00:15,320 --> 00:00:18,240 Speaker 3: And I'm Simone Voice, and this is the bright side 7 00:00:18,280 --> 00:00:24,639 Speaker 3: from Hello Sunshine, Danielle. It's Monday, and it is time 8 00:00:24,680 --> 00:00:26,599 Speaker 3: to kick off the week with some food for thoughts. 9 00:00:26,720 --> 00:00:29,920 Speaker 3: These are the stories that make us curious. They motivate 10 00:00:30,000 --> 00:00:32,960 Speaker 3: us and give our mondays a little fresh perspective. You know, 11 00:00:33,000 --> 00:00:33,839 Speaker 3: shall we get into it. 12 00:00:34,360 --> 00:00:34,919 Speaker 1: Let's do it. 13 00:00:35,440 --> 00:00:39,400 Speaker 3: Okay, mine is kind of silly, but just bear with me, Okay. 14 00:00:39,640 --> 00:00:43,159 Speaker 3: So I saw this article in Pop Sugar. Headline reads 15 00:00:43,320 --> 00:00:45,360 Speaker 3: why am I obsessed with sitting in my car for 16 00:00:45,440 --> 00:00:47,720 Speaker 3: long periods of time? And when I read that, I 17 00:00:47,880 --> 00:00:50,920 Speaker 3: felt so seen because I realized sitting in my car 18 00:00:51,080 --> 00:00:54,960 Speaker 3: is like a form of therapy, something about shutting the doors. 19 00:00:55,360 --> 00:00:59,360 Speaker 1: There's like soundproofing. No one can get in. It's just me. 20 00:00:59,760 --> 00:01:03,000 Speaker 3: I get to just do whatever I want. I feel autonomous. 21 00:01:03,600 --> 00:01:06,200 Speaker 3: And apparently this is a phenomenon that a lot of 22 00:01:06,200 --> 00:01:09,120 Speaker 3: other people engage in too. Does that resonate with you 23 00:01:09,160 --> 00:01:10,880 Speaker 3: at all? Do you sit in your car like a 24 00:01:10,880 --> 00:01:11,640 Speaker 3: weirdo like me. 25 00:01:12,440 --> 00:01:15,360 Speaker 2: I will be right in front of my driveway sitting 26 00:01:15,400 --> 00:01:17,160 Speaker 2: in my car. I could just go right. And I 27 00:01:17,160 --> 00:01:19,960 Speaker 2: don't have kids or a husband. It's quiet in my house, 28 00:01:20,160 --> 00:01:22,440 Speaker 2: but I will just sit in my car. 29 00:01:22,600 --> 00:01:26,560 Speaker 1: There's something just very warm. And I don't know. You're right. 30 00:01:26,600 --> 00:01:28,360 Speaker 1: Everything you said is right. I don't know the science 31 00:01:28,400 --> 00:01:31,520 Speaker 1: behind it, but you're totally right. I don't even know 32 00:01:31,560 --> 00:01:33,839 Speaker 1: if there is any science behind it. I mean, here's 33 00:01:33,840 --> 00:01:37,080 Speaker 1: what a psychotherapist said who is part of this article. 34 00:01:37,440 --> 00:01:39,039 Speaker 1: She said, the sitting in your car allows for a 35 00:01:39,040 --> 00:01:42,040 Speaker 1: moment to decompress, process your day, prepare yourself mentally for 36 00:01:42,080 --> 00:01:44,480 Speaker 1: what's next. I mean, yeah, of course we know that. 37 00:01:45,160 --> 00:01:49,160 Speaker 3: I mean, I guess it's a controlled environment, so it does. 38 00:01:49,440 --> 00:01:52,560 Speaker 3: Maybe that's what it is. It provides this sense of 39 00:01:52,640 --> 00:01:56,400 Speaker 3: control and safety. The car is parked, you're not moving, 40 00:01:57,560 --> 00:01:59,920 Speaker 3: nothing can hurt you, nothing can get in or get out. 41 00:02:00,840 --> 00:02:03,560 Speaker 1: It's just great. It's so underrated as a form of 42 00:02:03,640 --> 00:02:04,120 Speaker 1: self care. 43 00:02:04,840 --> 00:02:07,680 Speaker 2: It's so relatable, Like I know so many women in 44 00:02:07,720 --> 00:02:09,200 Speaker 2: particular that do this. 45 00:02:09,800 --> 00:02:10,840 Speaker 1: I don't know what it is. 46 00:02:11,360 --> 00:02:13,280 Speaker 3: That would be a good question, like would we just 47 00:02:13,400 --> 00:02:16,120 Speaker 3: find men sitting in their car to take a few 48 00:02:16,120 --> 00:02:17,399 Speaker 3: minutes to themselves. 49 00:02:17,800 --> 00:02:21,880 Speaker 2: Yeah, I don't know, it's so funny, Okay, Simone. Over 50 00:02:21,919 --> 00:02:25,680 Speaker 2: the weekend I read an article in The Cut about ambition. 51 00:02:26,200 --> 00:02:28,680 Speaker 2: And we talk about ambition and drive so much on 52 00:02:28,720 --> 00:02:31,680 Speaker 2: this show. But it really got me thinking because over 53 00:02:31,720 --> 00:02:34,799 Speaker 2: the last few months there have been tons of rumors 54 00:02:34,880 --> 00:02:38,400 Speaker 2: about j Lo and Ben breaking up, that they're allegedly 55 00:02:38,400 --> 00:02:41,120 Speaker 2: on the rocks. The writer of this article uses that 56 00:02:41,200 --> 00:02:44,840 Speaker 2: as an entry point to a larger conversation, and it 57 00:02:44,919 --> 00:02:48,200 Speaker 2: basically comes down to is j Loo too ambitious? Everybody's 58 00:02:48,200 --> 00:02:51,160 Speaker 2: saying that ambition broke up her marriage, that she chooses 59 00:02:51,240 --> 00:02:55,440 Speaker 2: work over family. And what I liked about this article 60 00:02:55,720 --> 00:02:58,400 Speaker 2: was the writer was just saying, I'm done with the 61 00:02:58,400 --> 00:03:02,519 Speaker 2: conversation around ambition and feminism. We're having the wrong conversation. 62 00:03:03,040 --> 00:03:06,200 Speaker 2: Ambition isn't good or bad. It's not an either or 63 00:03:06,320 --> 00:03:08,919 Speaker 2: situation and we've all been looking at it wrong. 64 00:03:09,840 --> 00:03:13,519 Speaker 1: So how should we look at ambition? Then? What's your 65 00:03:13,880 --> 00:03:15,240 Speaker 1: takeaway from this article? 66 00:03:15,639 --> 00:03:18,720 Speaker 2: My takeaway is that we don't talk about men's ambition 67 00:03:18,919 --> 00:03:22,400 Speaker 2: it just is, and we constantly talk about women's ambition. 68 00:03:23,120 --> 00:03:25,359 Speaker 2: Should we lean in? Should we have a seat at 69 00:03:25,360 --> 00:03:27,840 Speaker 2: the table. And I know why we're talking about it. 70 00:03:27,880 --> 00:03:30,079 Speaker 2: We're talking about it because historically we haven't had a 71 00:03:30,120 --> 00:03:32,000 Speaker 2: seat at the table. And I think when it comes 72 00:03:32,080 --> 00:03:35,680 Speaker 2: to ambition and women, we should start thinking about ambition 73 00:03:35,840 --> 00:03:38,880 Speaker 2: more broadly. We should open it up to being ambitious 74 00:03:39,000 --> 00:03:44,560 Speaker 2: about friendships, being ambitious about cooking, being ambitious about whatever 75 00:03:44,600 --> 00:03:47,400 Speaker 2: it is that lights you up, because it doesn't just 76 00:03:47,480 --> 00:03:51,320 Speaker 2: have to be associated with work, because men's ambition isn't well. 77 00:03:51,360 --> 00:03:54,520 Speaker 3: I also think that we've never really been good in 78 00:03:54,520 --> 00:03:58,240 Speaker 3: our society at holding space for two truths at once, 79 00:03:58,440 --> 00:04:01,119 Speaker 3: and that is what we should be doing with ambition. 80 00:04:01,640 --> 00:04:05,360 Speaker 3: There's this zero sum mentality that if you're an ambitious woman, 81 00:04:05,440 --> 00:04:07,480 Speaker 3: you can't be a great mother or great wife, and 82 00:04:07,520 --> 00:04:09,600 Speaker 3: that's right. It couldn't be further from the truth. Like 83 00:04:09,640 --> 00:04:14,080 Speaker 3: we are multi dimensional human beings and the same is 84 00:04:14,120 --> 00:04:14,760 Speaker 3: true for men. 85 00:04:15,000 --> 00:04:16,919 Speaker 1: So I would just love for all of us to 86 00:04:16,960 --> 00:04:20,040 Speaker 1: embrace a little bit more nuance. Okay, I'm so glad 87 00:04:20,040 --> 00:04:21,240 Speaker 1: you brought this up, Danielle. 88 00:04:21,279 --> 00:04:24,640 Speaker 2: It's a great article by Jennifer Romalini. I encourage everyone 89 00:04:24,680 --> 00:04:30,159 Speaker 2: to read it. After the break, I sit down with 90 00:04:30,240 --> 00:04:34,280 Speaker 2: Tory Dunlap to continue the conversation about feminism, but this 91 00:04:34,400 --> 00:04:37,280 Speaker 2: time as it relates to money. She's here to tell 92 00:04:37,360 --> 00:04:40,680 Speaker 2: us why a financial education is a woman's best form 93 00:04:40,680 --> 00:04:41,320 Speaker 2: of protest. 94 00:04:41,720 --> 00:04:43,600 Speaker 1: That's after the break. We'll be right back. 95 00:04:57,839 --> 00:05:00,760 Speaker 2: We're back and our guest today is Tour Done lap 96 00:05:01,080 --> 00:05:04,640 Speaker 2: Aka her first one hundred k on TikTok and Instagram. 97 00:05:05,160 --> 00:05:07,520 Speaker 2: She's a New York Times best selling author and the 98 00:05:07,560 --> 00:05:11,440 Speaker 2: host of the podcast Financial Feminist. In three years, Tory 99 00:05:11,480 --> 00:05:13,840 Speaker 2: went from being just out of college to saving her 100 00:05:13,880 --> 00:05:17,520 Speaker 2: first one hundred thousand dollars at age twenty five, then 101 00:05:17,600 --> 00:05:21,000 Speaker 2: launching her own company teaching women financial literacy. 102 00:05:22,000 --> 00:05:24,000 Speaker 1: Today, Tory says she's fighting for. 103 00:05:24,000 --> 00:05:27,640 Speaker 2: Women's financial rights, and she's here breaking down her approach 104 00:05:27,800 --> 00:05:29,520 Speaker 2: to financial freedom. 105 00:05:29,880 --> 00:05:32,880 Speaker 1: Tory, Welcome to the bright Side. Thank you so much 106 00:05:32,920 --> 00:05:35,400 Speaker 1: for having me. I'm so excited to be here, Tory. 107 00:05:35,520 --> 00:05:37,000 Speaker 1: I need to know all the things. 108 00:05:37,080 --> 00:05:39,200 Speaker 2: Take me back to before you were a New York 109 00:05:39,200 --> 00:05:43,800 Speaker 2: Times bestselling author, before you started your financial literacy platform. 110 00:05:44,040 --> 00:05:46,599 Speaker 2: How much were you making, what were you paying and rent, 111 00:05:46,800 --> 00:05:49,640 Speaker 2: what were you saving? What was your approach to making 112 00:05:49,680 --> 00:05:50,240 Speaker 2: this happen? 113 00:05:50,600 --> 00:05:53,599 Speaker 4: Yeah, the common misconception is that I was living in 114 00:05:53,600 --> 00:05:56,400 Speaker 4: my parents' house, eating oatmeal, and never did anything fun, 115 00:05:56,520 --> 00:05:59,640 Speaker 4: And none of those things were true. I was twenty five, 116 00:05:59,680 --> 00:06:02,320 Speaker 4: I was in Seattle. I was in a one bedroom 117 00:06:02,320 --> 00:06:04,760 Speaker 4: apartment that I think was about seventeen hundred dollars a 118 00:06:04,760 --> 00:06:07,760 Speaker 4: month in rent. I was making about seventy K a 119 00:06:07,839 --> 00:06:10,520 Speaker 4: year pre tax, and then I had a side hustle 120 00:06:10,520 --> 00:06:12,440 Speaker 4: where I was making a little bit of money, but 121 00:06:12,600 --> 00:06:15,880 Speaker 4: I was just diligently saving the entire time. So the 122 00:06:15,920 --> 00:06:18,360 Speaker 4: process of one hundred K was a couple things. One 123 00:06:18,480 --> 00:06:20,400 Speaker 4: I always like to acknowledge the privilege that I have. 124 00:06:20,720 --> 00:06:23,120 Speaker 4: I graduated college debt free, and it wasn't because I 125 00:06:23,120 --> 00:06:25,680 Speaker 4: have a trust fund, but I got a lot of scholarships. 126 00:06:25,720 --> 00:06:27,680 Speaker 4: My parents had saved a college fund for me, so 127 00:06:27,720 --> 00:06:30,600 Speaker 4: we collaboratively were able to pay for college, and so 128 00:06:30,880 --> 00:06:32,920 Speaker 4: that gave me a huge lead up. The second thing 129 00:06:33,000 --> 00:06:34,719 Speaker 4: is that I was saving a portion of my take 130 00:06:34,720 --> 00:06:37,280 Speaker 4: home pay. So anybody listening can do this. You can 131 00:06:37,320 --> 00:06:39,800 Speaker 4: set up an automatic transfer from your checking account to 132 00:06:39,839 --> 00:06:42,400 Speaker 4: your savings account. So maybe that's every time you get paid, 133 00:06:42,440 --> 00:06:44,799 Speaker 4: maybe that's once a month. But I was saving twenty 134 00:06:44,880 --> 00:06:47,880 Speaker 4: seven percent of my take home pay, and that was 135 00:06:47,960 --> 00:06:50,920 Speaker 4: immediately before I even saw it just going into savings, 136 00:06:50,960 --> 00:06:53,080 Speaker 4: and that was an amount I built to over time. 137 00:06:53,400 --> 00:06:56,520 Speaker 4: I was also investing. Women on average wait longer to invest. 138 00:06:56,520 --> 00:06:58,560 Speaker 4: The men are don't invest at all, and it ends 139 00:06:58,640 --> 00:07:01,000 Speaker 4: up costing us literally million of dollars. And it's one 140 00:07:01,000 --> 00:07:03,200 Speaker 4: of the most powerful things we can do to build wealth. 141 00:07:03,240 --> 00:07:05,000 Speaker 4: So I opened up a roth I array when I 142 00:07:05,000 --> 00:07:07,080 Speaker 4: was twenty two and max that out every year. And 143 00:07:07,160 --> 00:07:08,839 Speaker 4: I still was going to Costa Rica, I was still 144 00:07:08,880 --> 00:07:11,000 Speaker 4: eating out, I was still you know, having fun in 145 00:07:11,080 --> 00:07:14,320 Speaker 4: a big city. And so yeah, it was one hundred K. 146 00:07:14,640 --> 00:07:16,640 Speaker 4: Was the impetus of a lot of the work that 147 00:07:16,720 --> 00:07:18,680 Speaker 4: I now do, which is teaching women all over the 148 00:07:18,720 --> 00:07:21,640 Speaker 4: world how to be more financially confident. And it's what 149 00:07:21,680 --> 00:07:23,080 Speaker 4: I believe I was put on this earth to do, 150 00:07:23,160 --> 00:07:24,920 Speaker 4: is fight for women's financial rights. 151 00:07:25,360 --> 00:07:28,320 Speaker 2: So you hit your savings goal in twenty nineteen when 152 00:07:28,320 --> 00:07:30,000 Speaker 2: you were just twenty five years old, and then a 153 00:07:30,080 --> 00:07:33,119 Speaker 2: year later you launched your own company. Is it true 154 00:07:33,120 --> 00:07:34,600 Speaker 2: you started with forty dollars? 155 00:07:34,920 --> 00:07:36,480 Speaker 1: Yeah, I started with forty bucks. 156 00:07:36,520 --> 00:07:39,760 Speaker 4: I literally decided, okay, you know, you know tumblr blogs 157 00:07:39,760 --> 00:07:42,200 Speaker 4: were all raged in you remember that whereas like tumblr 158 00:07:42,240 --> 00:07:44,480 Speaker 4: blogs were huge and I had always wanted to like 159 00:07:44,880 --> 00:07:47,480 Speaker 4: blog about life as a twenty something woman, and had 160 00:07:47,480 --> 00:07:49,520 Speaker 4: put it off for years because I felt like I 161 00:07:49,520 --> 00:07:51,600 Speaker 4: didn't know enough. I was doing the thing that all 162 00:07:51,680 --> 00:07:54,320 Speaker 4: women do, which is like it's either perfect or nothing, 163 00:07:54,360 --> 00:07:55,880 Speaker 4: and like I have to have the perfect website and 164 00:07:55,880 --> 00:07:58,000 Speaker 4: the perfect logo and the perfect brand name, and I 165 00:07:58,040 --> 00:08:00,480 Speaker 4: have to know everything I'm talking about, and like none 166 00:08:00,480 --> 00:08:03,160 Speaker 4: of that is true. So I literally decided one night 167 00:08:03,160 --> 00:08:05,120 Speaker 4: in December twenty sixteen, I'm like, I'm just going to 168 00:08:05,200 --> 00:08:08,040 Speaker 4: launch this thing, wrote three blog posts, didn't know how 169 00:08:08,080 --> 00:08:09,920 Speaker 4: to code, and threw up a website. And so my 170 00:08:10,040 --> 00:08:13,000 Speaker 4: first two investments in the business were like the website 171 00:08:13,000 --> 00:08:14,920 Speaker 4: platform and the domain. So it was twenty bucks and 172 00:08:14,960 --> 00:08:18,000 Speaker 4: twenty bucks and that's how we got started. 173 00:08:18,280 --> 00:08:20,560 Speaker 2: It's mind blowing to think that last year your business 174 00:08:20,600 --> 00:08:23,440 Speaker 2: hit four million dollars in revenue for product sales. 175 00:08:23,640 --> 00:08:26,040 Speaker 4: Yeah, we're doing three to four mili a year. We're 176 00:08:26,080 --> 00:08:27,880 Speaker 4: on track to do five million just this year. 177 00:08:28,440 --> 00:08:30,080 Speaker 1: Thank god, Wave the Flag. 178 00:08:30,720 --> 00:08:33,160 Speaker 2: What do you think was the most crucial decision you 179 00:08:33,240 --> 00:08:34,240 Speaker 2: made in getting there? 180 00:08:34,600 --> 00:08:37,280 Speaker 1: Honestly getting on TikTok. Really. 181 00:08:38,160 --> 00:08:42,040 Speaker 4: Yeah, when I started on TikTok in July of twenty twenty, 182 00:08:42,280 --> 00:08:45,120 Speaker 4: our like fifth video ever went crazy viral and it 183 00:08:45,320 --> 00:08:47,360 Speaker 4: just it was like rising tide lifts all ships. It 184 00:08:47,440 --> 00:08:50,440 Speaker 4: was just incredible how quickly our business grew from there. 185 00:08:50,840 --> 00:08:53,360 Speaker 4: And it was also launching our podcast, Financial Feminist, and 186 00:08:53,600 --> 00:08:56,160 Speaker 4: the first episode came out and within forty eight hours 187 00:08:56,160 --> 00:08:58,120 Speaker 4: we were the number one business podcast, and at the 188 00:08:58,160 --> 00:09:01,720 Speaker 4: time we were the only women hosted, women focused show 189 00:09:01,720 --> 00:09:02,600 Speaker 4: in the top forty. 190 00:09:03,040 --> 00:09:04,520 Speaker 1: But I think it was those big too. 191 00:09:04,559 --> 00:09:07,320 Speaker 4: It was getting on TikTok and posting regularly and then 192 00:09:07,360 --> 00:09:08,960 Speaker 4: launching our show sounds. 193 00:09:08,640 --> 00:09:09,880 Speaker 1: To me like self. 194 00:09:09,920 --> 00:09:12,000 Speaker 2: If I were to try and categorize it, it's self 195 00:09:12,160 --> 00:09:16,240 Speaker 2: enterprising and it's consistency over time. 196 00:09:16,280 --> 00:09:20,800 Speaker 4: It's one hundred percent consistency. Yeah, because I think especially 197 00:09:20,800 --> 00:09:22,760 Speaker 4: with any you know, if we're talking to anybody who's 198 00:09:22,920 --> 00:09:25,720 Speaker 4: dreamt of building a business, it's going to be cringey 199 00:09:25,800 --> 00:09:28,319 Speaker 4: for a while. Like that's something I wish more people 200 00:09:28,360 --> 00:09:31,520 Speaker 4: talked about, Like you have to post, like you already 201 00:09:31,520 --> 00:09:34,840 Speaker 4: have a million followers. I remember seeing even a post 202 00:09:34,840 --> 00:09:37,160 Speaker 4: the other day that was someone like, if you want followers, 203 00:09:37,200 --> 00:09:40,320 Speaker 4: you have to post, Like if you want to, you know, 204 00:09:40,400 --> 00:09:42,680 Speaker 4: build a business, you have to build the business. I 205 00:09:42,679 --> 00:09:45,360 Speaker 4: think it's just so easy for us to say, well, 206 00:09:45,440 --> 00:09:48,160 Speaker 4: I'm scared of doing it wrong, I'm scared of failing, 207 00:09:48,280 --> 00:09:50,079 Speaker 4: or I'm scared that I don't know everything I need 208 00:09:50,120 --> 00:09:51,320 Speaker 4: to know, so I'm just not going to do it. 209 00:09:51,760 --> 00:09:53,600 Speaker 1: But you learn as you go. 210 00:09:53,800 --> 00:09:55,880 Speaker 4: You learn all of the answers to the questions you 211 00:09:55,920 --> 00:09:57,560 Speaker 4: didn't know you had as you go. 212 00:09:58,360 --> 00:10:01,600 Speaker 2: Your website says having a finance education is a woman's 213 00:10:01,640 --> 00:10:05,079 Speaker 2: best form of protest. Why is getting money into the 214 00:10:05,120 --> 00:10:06,640 Speaker 2: hands of women so important? 215 00:10:07,400 --> 00:10:11,360 Speaker 1: Here's the thing. Money means options, money means choices. 216 00:10:11,679 --> 00:10:15,160 Speaker 4: And when you look at a really alarming statistic, but 217 00:10:15,320 --> 00:10:18,040 Speaker 4: I think is the perfect representation of this, ninety nine 218 00:10:18,080 --> 00:10:20,960 Speaker 4: percent of abusive relationships have some sort of financial abuse 219 00:10:20,960 --> 00:10:23,760 Speaker 4: tied to them. So when you hear a stat like that, 220 00:10:24,480 --> 00:10:26,600 Speaker 4: what does that tell you, Well, it tells you that 221 00:10:26,720 --> 00:10:30,840 Speaker 4: money is used as a form of control, and that 222 00:10:31,240 --> 00:10:37,280 Speaker 4: money leads to better options and more security and your 223 00:10:37,320 --> 00:10:41,200 Speaker 4: own autonomy. So when women have money, you can leave 224 00:10:41,360 --> 00:10:44,000 Speaker 4: a bad situation, whether that's a relationship or a job 225 00:10:44,040 --> 00:10:45,760 Speaker 4: that you don't want to be in anymore, because you 226 00:10:45,800 --> 00:10:47,880 Speaker 4: can afford to quit, or you can afford to leave 227 00:10:47,920 --> 00:10:50,640 Speaker 4: you can afford your own apartment. Having money means you 228 00:10:50,679 --> 00:10:53,560 Speaker 4: get to donate to causes and people and legislation that 229 00:10:53,640 --> 00:10:57,400 Speaker 4: you believe in. Having money means you get to start businesses, 230 00:10:57,640 --> 00:11:00,760 Speaker 4: or to travel, or to have kids or not have kids, 231 00:11:00,800 --> 00:11:03,800 Speaker 4: or get married or not get married. Every option opens 232 00:11:03,880 --> 00:11:06,240 Speaker 4: up to you when you have money. And so I 233 00:11:06,320 --> 00:11:08,240 Speaker 4: believe that we don't have any sort of equality for 234 00:11:08,280 --> 00:11:12,120 Speaker 4: any marginalized group until we have financial equality, because when 235 00:11:12,480 --> 00:11:17,080 Speaker 4: we are safe and living a life of abundancy and wholeness, 236 00:11:17,640 --> 00:11:20,439 Speaker 4: the entire world starts to change. And that is the 237 00:11:20,480 --> 00:11:22,920 Speaker 4: feeling I want for every single woman on this planet, 238 00:11:23,200 --> 00:11:26,360 Speaker 4: is the ability to get out of situations she doesn't 239 00:11:26,400 --> 00:11:28,640 Speaker 4: want to be in, put herself in situations she loves 240 00:11:28,640 --> 00:11:31,320 Speaker 4: and feel safe in, and more than that, where she 241 00:11:31,400 --> 00:11:32,360 Speaker 4: absolutely thrives. 242 00:11:32,840 --> 00:11:36,000 Speaker 2: When I have conversations about money with my girlfriends versus 243 00:11:36,080 --> 00:11:38,760 Speaker 2: my guy friends, it's so very clear to me that 244 00:11:39,559 --> 00:11:43,160 Speaker 2: women were taught as girls to think about money from 245 00:11:43,160 --> 00:11:46,560 Speaker 2: a standpoint of budgeting and men were taught to think 246 00:11:46,559 --> 00:11:49,800 Speaker 2: of it as wealth building. There's a stark difference. And 247 00:11:49,840 --> 00:11:53,480 Speaker 2: your book offers seven different teachings, so you have principles 248 00:11:53,600 --> 00:11:58,920 Speaker 2: like earning, investing, debt, even emotions tied to money. But 249 00:11:58,960 --> 00:12:01,719 Speaker 2: I want to talk about spend. You say something that 250 00:12:01,800 --> 00:12:05,600 Speaker 2: many financial experts don't say, which is, do not scrimp 251 00:12:05,960 --> 00:12:09,520 Speaker 2: on the things, go to costa Rica, travel, dine, spend 252 00:12:09,520 --> 00:12:13,160 Speaker 2: money on plants. Why is it important to identify where 253 00:12:13,200 --> 00:12:15,760 Speaker 2: we should spend and not feel guilty about it? 254 00:12:16,520 --> 00:12:17,400 Speaker 1: I love this question. 255 00:12:17,559 --> 00:12:20,120 Speaker 4: A lot of the narratives that are given to women 256 00:12:20,160 --> 00:12:22,680 Speaker 4: about how to be better with money are about how 257 00:12:22,720 --> 00:12:25,640 Speaker 4: to spend less, and really that means how to hate 258 00:12:25,640 --> 00:12:29,600 Speaker 4: your life, and it's not actually sustainable and it's not 259 00:12:29,640 --> 00:12:32,360 Speaker 4: actually good advice. The advice we're giving to men is 260 00:12:32,440 --> 00:12:35,559 Speaker 4: great advice, which is expand right. Become the fullest version 261 00:12:35,600 --> 00:12:39,080 Speaker 4: of yourself. Invest in real estate, invest in the stock market, 262 00:12:39,120 --> 00:12:42,240 Speaker 4: find a better paying job, negotiate your salary. What is 263 00:12:42,280 --> 00:12:44,800 Speaker 4: the advice to women? Here are five meals you can 264 00:12:44,800 --> 00:12:48,439 Speaker 4: make under five dollars. Stop buying the latte, stop getting 265 00:12:48,480 --> 00:12:51,280 Speaker 4: the designer purses or you know, the blowouts of the 266 00:12:51,280 --> 00:12:57,559 Speaker 4: hair salon. Anything that is innately or like stereotypically feminine 267 00:12:57,760 --> 00:13:03,880 Speaker 4: is deemed frivolous. Rightous spending frivolous is not NFL season tickets. 268 00:13:04,240 --> 00:13:06,480 Speaker 1: It's not golf clubs. It's not video games. 269 00:13:06,559 --> 00:13:08,920 Speaker 4: So what does that tell me, Well, one, it tells 270 00:13:08,960 --> 00:13:13,160 Speaker 4: me that the advice we give around money is incredibly gendered. 271 00:13:13,720 --> 00:13:17,240 Speaker 4: And second, scrimping is not the answer because there's only 272 00:13:17,360 --> 00:13:20,400 Speaker 4: so much that you can eventually stop cutting. Let's say 273 00:13:20,440 --> 00:13:22,960 Speaker 4: you do cut everything fun from your life, Well, you 274 00:13:23,000 --> 00:13:24,480 Speaker 4: still have to pay for your rent, you still have 275 00:13:24,520 --> 00:13:26,560 Speaker 4: to pay for daycare, you still have to pay for groceries. Right, 276 00:13:26,559 --> 00:13:28,920 Speaker 4: there's only so much you can cut. But in theory, 277 00:13:29,760 --> 00:13:33,359 Speaker 4: you're earning potential, or your compound interest potential is limitless. 278 00:13:33,600 --> 00:13:36,240 Speaker 4: So when it comes to spending, ninety nine percent of 279 00:13:36,280 --> 00:13:37,880 Speaker 4: diets don't work because the more you tell me I 280 00:13:37,920 --> 00:13:39,720 Speaker 4: can't have fried chicken, the more I want fried chicken. 281 00:13:39,760 --> 00:13:42,840 Speaker 4: And that is not willpower, that is literal psychology. So 282 00:13:43,320 --> 00:13:46,160 Speaker 4: we instead have to find the things that we actually love. 283 00:13:46,240 --> 00:13:48,560 Speaker 4: So what you're talking about are what I call value 284 00:13:48,600 --> 00:13:51,600 Speaker 4: categories in the book, identifying the three areas in your 285 00:13:51,600 --> 00:13:53,880 Speaker 4: life where you get the most joy, because you don't 286 00:13:53,880 --> 00:13:55,920 Speaker 4: have to stop spending money, but you do have to 287 00:13:55,920 --> 00:13:57,960 Speaker 4: stop spending money on shit you don't care about. Like 288 00:13:58,000 --> 00:14:00,520 Speaker 4: we want a piping hot life, we want things that 289 00:14:00,559 --> 00:14:02,720 Speaker 4: we love and things that light us up. I'm done 290 00:14:02,760 --> 00:14:05,000 Speaker 4: with lukewarm, Like, I don't want to spend money that 291 00:14:05,080 --> 00:14:06,520 Speaker 4: I don't really want to spend on things that I 292 00:14:06,520 --> 00:14:08,560 Speaker 4: don't really like, or to appease people that I don't 293 00:14:08,559 --> 00:14:09,240 Speaker 4: really care about. 294 00:14:09,320 --> 00:14:12,240 Speaker 1: The appeacement is big, it's huge. 295 00:14:12,400 --> 00:14:15,880 Speaker 4: So for me, those three value categories are travel, food, out, 296 00:14:15,960 --> 00:14:18,400 Speaker 4: and plants. You can't see it, but I have probably 297 00:14:18,440 --> 00:14:20,680 Speaker 4: twenty five plants in my office alone. They're my babies. 298 00:14:20,720 --> 00:14:23,280 Speaker 1: I love them. You're a plant debt, you can they 299 00:14:23,360 --> 00:14:23,880 Speaker 1: truly am. 300 00:14:23,960 --> 00:14:26,080 Speaker 4: So you get to identify, like what those three value 301 00:14:26,120 --> 00:14:30,000 Speaker 4: categories are and spend pretty unabashedly in those categories so 302 00:14:30,040 --> 00:14:33,400 Speaker 4: that you can also save and invest and pay off 303 00:14:33,400 --> 00:14:36,200 Speaker 4: your debt and do all of the advice that we 304 00:14:36,320 --> 00:14:38,080 Speaker 4: give men but that we don't give women. 305 00:14:38,680 --> 00:14:42,480 Speaker 2: So there's so much inspiration porn out there on the internet, 306 00:14:42,960 --> 00:14:46,880 Speaker 2: especially with financial experts. I see it all the time. 307 00:14:46,920 --> 00:14:49,360 Speaker 2: They tell you to dream big, to hustle hard, and 308 00:14:49,600 --> 00:14:52,280 Speaker 2: very few people tell you in practical terms how to 309 00:14:52,320 --> 00:14:52,720 Speaker 2: get there. 310 00:14:52,840 --> 00:14:55,000 Speaker 1: Where can someone start? I'm going to give you a scenario. 311 00:14:55,440 --> 00:14:58,760 Speaker 2: Let's assume someone has credit cards, they have a savings account. 312 00:14:59,160 --> 00:15:01,080 Speaker 2: What are the first three things that they should do 313 00:15:01,160 --> 00:15:02,160 Speaker 2: to start to build wealth. 314 00:15:02,960 --> 00:15:04,760 Speaker 4: Yeah, I could go off on a whole tangent about 315 00:15:04,760 --> 00:15:06,760 Speaker 4: inspiration porn, and I appreciate you bringing that up. Yeah, 316 00:15:06,760 --> 00:15:08,280 Speaker 4: a lot of people tell you to dream your bid dreams, 317 00:15:08,280 --> 00:15:10,120 Speaker 4: but they don't tell you actually what to do. And 318 00:15:10,200 --> 00:15:12,960 Speaker 4: with personal finance in particular, they don't acknowledge that it's 319 00:15:12,960 --> 00:15:16,200 Speaker 4: about eighty percent your circumstances and twenty percent your personal choices. 320 00:15:16,320 --> 00:15:19,640 Speaker 4: So you know, there's so many factors that have nothing 321 00:15:19,640 --> 00:15:21,360 Speaker 4: to do with like how hard you work, or like 322 00:15:21,400 --> 00:15:23,800 Speaker 4: how smart you are with money. So first one, we 323 00:15:23,840 --> 00:15:26,800 Speaker 4: talked about it already, automate your savings, automate every part 324 00:15:26,800 --> 00:15:29,200 Speaker 4: of your financial life, automate your bills, automate a four 325 00:15:29,240 --> 00:15:32,640 Speaker 4: to one K contribution, but automate your savings. Because our 326 00:15:32,680 --> 00:15:35,560 Speaker 4: first goal is an emergency fund should be about three 327 00:15:35,560 --> 00:15:38,560 Speaker 4: months of living expenses in a highielded savings account. And again, 328 00:15:38,640 --> 00:15:40,680 Speaker 4: setting up that transfer allows you to do it on 329 00:15:40,760 --> 00:15:43,480 Speaker 4: autopilot without you even having to think about it, which 330 00:15:43,520 --> 00:15:46,760 Speaker 4: is a great way to save and also not put 331 00:15:46,800 --> 00:15:49,760 Speaker 4: it off. Second thing is to start identifying, like I 332 00:15:49,760 --> 00:15:52,320 Speaker 4: said before, what are your value categories and where's your 333 00:15:52,320 --> 00:15:54,720 Speaker 4: current money going. Is your money going to things you 334 00:15:54,760 --> 00:15:57,280 Speaker 4: actually love and things that make your life worth living 335 00:15:57,480 --> 00:16:01,520 Speaker 4: or is it being diluted with just spending because you're 336 00:16:01,520 --> 00:16:04,720 Speaker 4: trying to feel something. So actually ask yourself, like what 337 00:16:04,760 --> 00:16:06,880 Speaker 4: money is coming in, what money's going out, and when 338 00:16:06,880 --> 00:16:09,280 Speaker 4: it goes out, where is it going and does it 339 00:16:09,320 --> 00:16:11,960 Speaker 4: align with your values and things that actually make your 340 00:16:12,000 --> 00:16:15,240 Speaker 4: life worth living. And finally, if you are not investing, 341 00:16:15,680 --> 00:16:18,120 Speaker 4: we need you to start investing. Maybe that's through your 342 00:16:18,200 --> 00:16:21,840 Speaker 4: four oh and K, which is your workplace sponsored retirement account. 343 00:16:22,040 --> 00:16:23,800 Speaker 4: If you don't get access to one of those, it's 344 00:16:23,800 --> 00:16:26,600 Speaker 4: opening up something like a roth IRA, which is an 345 00:16:26,640 --> 00:16:30,000 Speaker 4: individual account for retirement and doing everything you can to 346 00:16:30,040 --> 00:16:31,440 Speaker 4: contribute to one of those accounts. 347 00:16:32,120 --> 00:16:34,800 Speaker 2: In your opinion, what is the most common mistake people 348 00:16:34,840 --> 00:16:36,440 Speaker 2: are making when it comes to their money. 349 00:16:36,840 --> 00:16:38,800 Speaker 4: I can't teach you to pay off debt, I can't 350 00:16:38,800 --> 00:16:41,160 Speaker 4: teach you to budget, I can't teach you to invest 351 00:16:41,560 --> 00:16:43,800 Speaker 4: until we start to understand a lot of the emotions 352 00:16:43,800 --> 00:16:46,720 Speaker 4: and the psychological hang ups that are keeping you from 353 00:16:46,760 --> 00:16:50,160 Speaker 4: being successful with your money. So as like not fun 354 00:16:50,160 --> 00:16:52,640 Speaker 4: as it is like you need to do some financial 355 00:16:52,720 --> 00:16:57,280 Speaker 4: therapy and some like trauma excavation because we don't realize 356 00:16:57,480 --> 00:17:00,760 Speaker 4: just how linked our emotions and our money are. So 357 00:17:00,800 --> 00:17:04,119 Speaker 4: one of the biggest mindsets that I see that I think, 358 00:17:04,320 --> 00:17:08,280 Speaker 4: I just really want to debunk. For women, we often 359 00:17:09,000 --> 00:17:11,280 Speaker 4: will do the like, well, I'm so bad with money, 360 00:17:11,440 --> 00:17:13,960 Speaker 4: or I am not good with math, so I'm not 361 00:17:14,000 --> 00:17:17,280 Speaker 4: good with money, or you know, I didn't know this 362 00:17:17,320 --> 00:17:20,520 Speaker 4: sooner I keep making mistakes and this is Yeah, money 363 00:17:20,640 --> 00:17:21,320 Speaker 4: is a skill. 364 00:17:21,800 --> 00:17:24,000 Speaker 1: It's not inherent in our DNA. 365 00:17:24,080 --> 00:17:26,119 Speaker 4: You're not born with the good with money gene or 366 00:17:26,160 --> 00:17:28,240 Speaker 4: born with the bad with money gene. Like I love 367 00:17:28,240 --> 00:17:30,399 Speaker 4: saying this because it blows people's minds. I majored in 368 00:17:30,400 --> 00:17:34,800 Speaker 4: communications and theater in college. Like I didn't major in finance. 369 00:17:34,840 --> 00:17:37,800 Speaker 4: I technically didn't even major in business. And I am 370 00:17:37,880 --> 00:17:40,840 Speaker 4: a multimillionaire with a multimillion dollar company that teaches other 371 00:17:40,880 --> 00:17:43,879 Speaker 4: women how to do this too. Like, it's not about math. 372 00:17:44,080 --> 00:17:46,560 Speaker 4: It's actually not even you know about your graphs and 373 00:17:46,600 --> 00:17:49,280 Speaker 4: your charts and your numbers. It's actually about your brain 374 00:17:49,359 --> 00:17:54,159 Speaker 4: and your body and about understanding goals. And women are 375 00:17:54,200 --> 00:17:56,359 Speaker 4: really good at setting goals and knocking them out of 376 00:17:56,359 --> 00:17:56,720 Speaker 4: the park. 377 00:17:57,520 --> 00:18:01,359 Speaker 2: Can we talk about financial transparency in the world The 378 00:18:01,440 --> 00:18:03,639 Speaker 2: idea is that when we don't share what we make, 379 00:18:03,800 --> 00:18:04,600 Speaker 2: we're upholding the. 380 00:18:04,560 --> 00:18:05,720 Speaker 1: Systems that keep us down. 381 00:18:06,359 --> 00:18:09,359 Speaker 2: But it can sometimes be a little spicy to share 382 00:18:09,440 --> 00:18:11,919 Speaker 2: what you make with your coworkers, like it can start 383 00:18:12,000 --> 00:18:12,800 Speaker 2: a problem. 384 00:18:13,440 --> 00:18:15,280 Speaker 1: What are your thoughts on this? What are your thoughts 385 00:18:15,280 --> 00:18:17,520 Speaker 1: on financial transparency? 386 00:18:17,640 --> 00:18:19,640 Speaker 4: The whole talking about money is ghost thing or talking 387 00:18:19,640 --> 00:18:22,000 Speaker 4: about money is impolite is a narrative that keeps you 388 00:18:22,160 --> 00:18:25,879 Speaker 4: underpaid and overworked. I will say though that this is 389 00:18:25,920 --> 00:18:29,320 Speaker 4: again part of the larger conversation about how we view 390 00:18:29,320 --> 00:18:31,400 Speaker 4: women with money, and again we could do a whole 391 00:18:31,440 --> 00:18:35,159 Speaker 4: podcast specifically on this. I think that you know, a 392 00:18:35,160 --> 00:18:38,440 Speaker 4: lot of the conversation has been okay, yeah, be transparent 393 00:18:38,440 --> 00:18:42,200 Speaker 4: about your salary, negotiate for a raise. But we are 394 00:18:42,200 --> 00:18:45,120 Speaker 4: not living in a system or a society that allows 395 00:18:45,720 --> 00:18:49,640 Speaker 4: women the pursuit of wealth. We allow and encourage men 396 00:18:49,680 --> 00:18:53,760 Speaker 4: to pursue wealth unabashedly. But when a woman asks for 397 00:18:53,800 --> 00:18:57,040 Speaker 4: what she deserves at work, or when a woman posts 398 00:18:57,160 --> 00:19:00,440 Speaker 4: you know how much her business charges, the converse is 399 00:19:00,560 --> 00:19:03,240 Speaker 4: very different. The conversation is why are you charging for 400 00:19:03,280 --> 00:19:05,359 Speaker 4: your services? You should just do this for free if 401 00:19:05,400 --> 00:19:07,880 Speaker 4: you really loved it, which is like a good chunk 402 00:19:07,920 --> 00:19:10,720 Speaker 4: of my Instagram comments. And you know, a lot of 403 00:19:10,760 --> 00:19:13,600 Speaker 4: the conversations with women negotiating for a raise is like 404 00:19:13,640 --> 00:19:15,440 Speaker 4: you should just be grateful that you have a job 405 00:19:15,480 --> 00:19:18,480 Speaker 4: at all. So I think, again, this is where financial 406 00:19:18,480 --> 00:19:21,600 Speaker 4: transparency is so important. Where we as individuals can make 407 00:19:21,600 --> 00:19:25,159 Speaker 4: an impact is having those conversations sharing our salary for 408 00:19:25,359 --> 00:19:28,560 Speaker 4: white women, especially sharing salary with your folks of color 409 00:19:28,600 --> 00:19:31,640 Speaker 4: and with your coworkers of color. There's this rule called 410 00:19:31,680 --> 00:19:33,600 Speaker 4: the over or under rule, and it can be a 411 00:19:33,600 --> 00:19:36,200 Speaker 4: great way of talking about salary without talking about salary. 412 00:19:36,280 --> 00:19:38,920 Speaker 4: So I might ask you, hey, do you make over 413 00:19:39,119 --> 00:19:41,119 Speaker 4: under eighty K a year? And you say over? And 414 00:19:41,160 --> 00:19:43,240 Speaker 4: I go, okay, do you make over under one hundred 415 00:19:43,320 --> 00:19:45,480 Speaker 4: K a year? And they say under? Okay, Now I 416 00:19:45,560 --> 00:19:46,679 Speaker 4: just have a better range. 417 00:19:46,840 --> 00:19:47,800 Speaker 1: Oh, that's it's great. 418 00:19:47,760 --> 00:19:50,720 Speaker 4: Eighty to one hundred as opposed to like ninety two, 419 00:19:50,960 --> 00:19:53,399 Speaker 4: six hundred and twenty seven dollars a year. Right, So 420 00:19:53,560 --> 00:19:55,679 Speaker 4: that I think is a nice way of having a 421 00:19:55,720 --> 00:19:59,680 Speaker 4: conversation that doesn't feel so scary. And I think in 422 00:19:59,760 --> 00:20:02,440 Speaker 4: gener again, talking about money with anybody, even with people 423 00:20:02,520 --> 00:20:06,800 Speaker 4: we trust, can be really terrifying. Offer vulnerability first, So 424 00:20:06,840 --> 00:20:09,160 Speaker 4: if you're going to ask somebody to be vulnerable, it's 425 00:20:09,200 --> 00:20:12,440 Speaker 4: a lot easier if you are vulnerable first. So, hey, 426 00:20:12,440 --> 00:20:15,359 Speaker 4: I'm trying to figure out what this role should pay. 427 00:20:15,480 --> 00:20:17,840 Speaker 4: I think the range is X to why or I'm 428 00:20:17,840 --> 00:20:21,000 Speaker 4: getting paid in my current job, now this kind of rate, 429 00:20:21,080 --> 00:20:22,120 Speaker 4: what would you suggest? 430 00:20:22,440 --> 00:20:24,760 Speaker 2: I absolutely love that, because the fear of the person 431 00:20:24,840 --> 00:20:27,840 Speaker 2: sharing is they're going to share the exact number and 432 00:20:27,880 --> 00:20:29,439 Speaker 2: my boss is going to be mad at me. So 433 00:20:29,520 --> 00:20:30,720 Speaker 2: you had just eliminated that. 434 00:20:31,359 --> 00:20:34,119 Speaker 4: I will also say you, it is illegal to be 435 00:20:34,240 --> 00:20:37,760 Speaker 4: terminated for talking about salary at work in the United States. 436 00:20:38,240 --> 00:20:41,800 Speaker 4: So uh doesn't mean it doesn't happen, but it is illegal. 437 00:20:42,040 --> 00:20:43,880 Speaker 4: And I'll also say too, this is again a lot 438 00:20:43,880 --> 00:20:46,000 Speaker 4: of the emotional hang ups is we believe our net 439 00:20:46,000 --> 00:20:48,239 Speaker 4: worth to be our self worth, or we believe our 440 00:20:48,280 --> 00:20:52,359 Speaker 4: salary to be somehow indicative of like how good we 441 00:20:52,400 --> 00:20:55,280 Speaker 4: are at our job right or how while we succeed. 442 00:20:55,440 --> 00:21:00,600 Speaker 4: And we all know literally probably hundreds of people who 443 00:21:01,000 --> 00:21:04,080 Speaker 4: work so incredibly hard, who are so incredibly intelligent, who 444 00:21:04,119 --> 00:21:05,200 Speaker 4: don't make a lot of money. 445 00:21:05,440 --> 00:21:06,679 Speaker 1: So you mentioned negotiation. 446 00:21:06,920 --> 00:21:09,439 Speaker 2: I had a mentor of mine one time say to me, 447 00:21:10,000 --> 00:21:16,280 Speaker 2: you don't get what you deserve, you get what you negotiate. Yeah, 448 00:21:16,320 --> 00:21:19,680 Speaker 2: I mean I didn't understand when he said it years ago. 449 00:21:19,760 --> 00:21:22,600 Speaker 2: I didn't understand how true those words are. 450 00:21:22,760 --> 00:21:26,280 Speaker 1: Oh embroidered on a throw pillow. That's yeah. Wow. 451 00:21:26,720 --> 00:21:29,320 Speaker 2: So what is the tool that you share that you 452 00:21:29,359 --> 00:21:31,520 Speaker 2: think is most helpful in negotiation? 453 00:21:32,400 --> 00:21:36,000 Speaker 4: With negotiations, This is again another mindset shift that is 454 00:21:36,240 --> 00:21:40,480 Speaker 4: so crucial. This is not a conflict. Negotiating is not 455 00:21:40,840 --> 00:21:43,040 Speaker 4: an argument. It's not a fight. It's not you putting 456 00:21:43,080 --> 00:21:44,880 Speaker 4: on your box and gloves and fighting to the death 457 00:21:44,920 --> 00:21:47,639 Speaker 4: to get what you want. It is a collaboration. It 458 00:21:47,720 --> 00:21:50,520 Speaker 4: is a collaboration, not a conflict. You and your boss 459 00:21:50,600 --> 00:21:53,679 Speaker 4: or potential boss are not on opposing teams. You are 460 00:21:53,680 --> 00:21:56,919 Speaker 4: on the same team trying to solve a problem. And 461 00:21:56,960 --> 00:21:59,520 Speaker 4: that problem is you not being compensated fairly. And I 462 00:21:59,520 --> 00:22:01,919 Speaker 4: have a feeling you're really good at your job and 463 00:22:01,960 --> 00:22:05,359 Speaker 4: you problem solve every day. This is another problem to solve. 464 00:22:05,560 --> 00:22:08,359 Speaker 4: The other thing is to come with data. You're talking 465 00:22:08,359 --> 00:22:13,160 Speaker 4: to very data driven people most likely, so your ask 466 00:22:13,280 --> 00:22:14,520 Speaker 4: needs to reflect that. 467 00:22:14,880 --> 00:22:15,800 Speaker 1: It needs to be. 468 00:22:15,960 --> 00:22:18,239 Speaker 4: This is again we're talking about salaries so great it 469 00:22:18,280 --> 00:22:20,439 Speaker 4: needs to be not just from like a glass door 470 00:22:20,560 --> 00:22:23,800 Speaker 4: or like an online aggregator, but also from people you've 471 00:22:23,800 --> 00:22:26,000 Speaker 4: talked to who can see you as a full three 472 00:22:26,000 --> 00:22:29,320 Speaker 4: dimensional person. Talk to other people in your industry, talk 473 00:22:29,359 --> 00:22:33,040 Speaker 4: to coworkers at a previous job, talk to people on LinkedIn, 474 00:22:33,480 --> 00:22:36,879 Speaker 4: find people you can actually ask, hey, based on what 475 00:22:36,920 --> 00:22:40,119 Speaker 4: I'm doing, based on my success metrics, what would you 476 00:22:40,200 --> 00:22:41,360 Speaker 4: price my salary at? 477 00:22:41,359 --> 00:22:43,520 Speaker 1: What would you price my role at? And that way 478 00:22:43,640 --> 00:22:44,600 Speaker 1: you can present that. 479 00:22:44,600 --> 00:22:46,600 Speaker 4: Data and say, you know, based on the data that 480 00:22:46,680 --> 00:22:48,760 Speaker 4: I have found for a role similar to this, as 481 00:22:48,760 --> 00:22:52,240 Speaker 4: well as the accomplishments and the milestones I've hit, I'm 482 00:22:52,280 --> 00:22:53,919 Speaker 4: looking for a range of X to Y. 483 00:22:54,480 --> 00:22:57,399 Speaker 2: If they say there's no room for negotiation, what's your 484 00:22:57,440 --> 00:22:57,720 Speaker 2: go to? 485 00:22:58,800 --> 00:22:59,080 Speaker 1: Yeah? 486 00:22:59,240 --> 00:23:04,000 Speaker 4: So, but especially you know post COVID, that seems to 487 00:23:04,040 --> 00:23:07,439 Speaker 4: be a response more often than not, my response is 488 00:23:07,720 --> 00:23:11,240 Speaker 4: tell me more about that, Like no, but truly, like, 489 00:23:11,280 --> 00:23:13,439 Speaker 4: tell me more about that, because I'm trying to understand 490 00:23:13,560 --> 00:23:15,320 Speaker 4: what for them is the hang up? 491 00:23:15,480 --> 00:23:17,440 Speaker 1: Right? Is it they don't have enough budget? 492 00:23:17,560 --> 00:23:19,480 Speaker 4: Right? Is that actually the thing? Okay, then I'm going 493 00:23:19,520 --> 00:23:22,560 Speaker 4: to negotiate something else. I'm gonna negotiate my PTO. I'm 494 00:23:22,640 --> 00:23:24,600 Speaker 4: going to negotiate that I can work from home three 495 00:23:24,640 --> 00:23:27,240 Speaker 4: times a week. I'm gonna negotiate a better title, which 496 00:23:27,240 --> 00:23:29,199 Speaker 4: is at no cost to them but sets me up 497 00:23:29,240 --> 00:23:31,800 Speaker 4: for a better job later. There's other things you can 498 00:23:31,840 --> 00:23:34,600 Speaker 4: negotiate beside salary. So if it is truly like they 499 00:23:34,640 --> 00:23:37,680 Speaker 4: are not budgeting, great, But a negotiation is a back 500 00:23:37,680 --> 00:23:40,160 Speaker 4: and forth, so they might you know, you might ask 501 00:23:40,200 --> 00:23:42,320 Speaker 4: for the number, and by the way, ask for the number, 502 00:23:42,440 --> 00:23:44,240 Speaker 4: not the number you want, but a little over the 503 00:23:44,320 --> 00:23:46,920 Speaker 4: number you want. Because if you're at sixty and you 504 00:23:46,960 --> 00:23:49,080 Speaker 4: ask for seventy, you're gonna be at sixty five. So 505 00:23:49,119 --> 00:23:51,399 Speaker 4: we're asking for like seventy two to seventy five to 506 00:23:51,440 --> 00:23:53,800 Speaker 4: get to seventy. So if they do say, well, we 507 00:23:53,840 --> 00:23:57,720 Speaker 4: can't do seventy five ago, okay, how about sixty six, 508 00:23:58,000 --> 00:24:01,399 Speaker 4: sixty six plus at two extra days a ptom And 509 00:24:01,440 --> 00:24:03,720 Speaker 4: if they still you know, okay, well you know we 510 00:24:03,760 --> 00:24:08,119 Speaker 4: can do you know, sixty two, okay, sixty five? Right, like, 511 00:24:08,560 --> 00:24:10,760 Speaker 4: you will eventually get to a point where hopefully you 512 00:24:10,800 --> 00:24:13,440 Speaker 4: can meet in the middle, and if you can't, one, 513 00:24:13,520 --> 00:24:16,680 Speaker 4: start looking for another job, and two there's other things 514 00:24:16,680 --> 00:24:18,840 Speaker 4: you can negotiate beside salar. We actually have in my 515 00:24:19,119 --> 00:24:22,960 Speaker 4: book an entire list of everything that's negotiable, and it's 516 00:24:23,000 --> 00:24:24,600 Speaker 4: a lot more than you might think. 517 00:24:24,960 --> 00:24:27,040 Speaker 2: One of the things I really love. I think it 518 00:24:27,080 --> 00:24:29,679 Speaker 2: gives me great solace that I hear you say is 519 00:24:29,840 --> 00:24:30,800 Speaker 2: it's never too late? 520 00:24:31,600 --> 00:24:32,879 Speaker 1: Is it never too late to start? 521 00:24:33,240 --> 00:24:36,800 Speaker 4: I truly, both a math and what I know from 522 00:24:36,800 --> 00:24:39,240 Speaker 4: talking with millions of women, it is never too late 523 00:24:39,240 --> 00:24:39,719 Speaker 4: to start. 524 00:24:40,000 --> 00:24:40,200 Speaker 1: Now. 525 00:24:40,280 --> 00:24:41,840 Speaker 4: I'm not the kind of person who's going to blow 526 00:24:41,880 --> 00:24:44,159 Speaker 4: smoke up your ass? Do I wish you started sooner? 527 00:24:44,160 --> 00:24:46,640 Speaker 4: Of course, But probably there was a bunch of things 528 00:24:46,640 --> 00:24:49,520 Speaker 4: that prevented you from starting, including a trillion dollar student 529 00:24:49,560 --> 00:24:53,040 Speaker 4: loan crisis, and stagnating minimum wages and lack of paid 530 00:24:53,040 --> 00:24:56,000 Speaker 4: family leave, and like again, all of the other systemic issues. 531 00:24:56,040 --> 00:24:58,440 Speaker 4: And maybe some of you know your financial mistakes that 532 00:24:58,480 --> 00:25:01,040 Speaker 4: you might not be proud of. But would you rather 533 00:25:01,200 --> 00:25:04,520 Speaker 4: have one hundred k for retirement than nothing at all? 534 00:25:04,760 --> 00:25:08,639 Speaker 4: The stats now that are updated, forty nine percent of 535 00:25:08,680 --> 00:25:11,960 Speaker 4: Americans over the age of fifty five have nothing saved 536 00:25:11,960 --> 00:25:12,639 Speaker 4: for retirement. 537 00:25:13,200 --> 00:25:18,920 Speaker 1: Nothing. Wow, So I would rather you have something than nothing? Right? Yes? 538 00:25:19,119 --> 00:25:22,200 Speaker 4: Is one hundred thousand dollars sustainable for your entire retirement? 539 00:25:22,200 --> 00:25:25,119 Speaker 4: Probably not, But that's better than nothing. 540 00:25:25,840 --> 00:25:28,440 Speaker 2: You ask women what their money personality is. I want 541 00:25:28,440 --> 00:25:30,280 Speaker 2: to know what your money personality is. 542 00:25:30,600 --> 00:25:36,520 Speaker 1: Oh rich bitch. She's like, she is loving her life. 543 00:25:36,640 --> 00:25:40,199 Speaker 4: I'm turning thirty this year, and the coolest thing is 544 00:25:40,240 --> 00:25:44,280 Speaker 4: that I again don't have to put up with situations 545 00:25:44,320 --> 00:25:47,240 Speaker 4: that don't respect me. I don't have to go on 546 00:25:47,280 --> 00:25:50,719 Speaker 4: a date with somebody who I don't like because I 547 00:25:50,760 --> 00:25:52,879 Speaker 4: need him to pay the bill. And I will actually 548 00:25:52,920 --> 00:25:55,040 Speaker 4: throw my credit card down, like twenty minutes in, just 549 00:25:55,040 --> 00:25:56,959 Speaker 4: because I'm like, no, I don't want to do this anymore. 550 00:25:56,960 --> 00:25:57,880 Speaker 1: I will like that. 551 00:25:57,800 --> 00:26:00,280 Speaker 4: I want to walk away. I don't have to, you know, 552 00:26:00,359 --> 00:26:02,200 Speaker 4: work with a client that I don't like. I don't 553 00:26:02,240 --> 00:26:04,080 Speaker 4: have to work a nine to five job or someone 554 00:26:04,119 --> 00:26:06,360 Speaker 4: I don't respect. And I did that and it sucks. 555 00:26:06,960 --> 00:26:10,960 Speaker 4: And I also get to protect sixty five year old me. 556 00:26:11,880 --> 00:26:15,359 Speaker 4: Grandma Torre is like drinking Sabion Blanc with lunch, and 557 00:26:15,400 --> 00:26:18,080 Speaker 4: she is flirting with her hot pilates instructor that's way 558 00:26:18,119 --> 00:26:21,359 Speaker 4: younger than she is, and like she is adopting dogs 559 00:26:21,359 --> 00:26:24,520 Speaker 4: in Italy. She's having a great time, and like, again, 560 00:26:24,600 --> 00:26:26,960 Speaker 4: this is the feeling I want for every single woman 561 00:26:27,000 --> 00:26:30,479 Speaker 4: on this planet. Is that feeling of security and that 562 00:26:30,520 --> 00:26:35,960 Speaker 4: feeling of power, and the world starts to change when 563 00:26:36,040 --> 00:26:37,040 Speaker 4: women feel that way. 564 00:26:38,400 --> 00:26:40,560 Speaker 2: We're gonna take a quick break, but when we come back, 565 00:26:40,760 --> 00:26:43,119 Speaker 2: Tori tells us how we can make the most of 566 00:26:43,160 --> 00:26:43,760 Speaker 2: our money. 567 00:26:44,160 --> 00:26:52,520 Speaker 1: Don't go anywhere, and we're back. 568 00:26:52,840 --> 00:26:55,480 Speaker 2: So we always talk about money moves on the podcast, 569 00:26:55,560 --> 00:26:58,639 Speaker 2: but it's not every day that we have a financial 570 00:26:58,720 --> 00:27:03,120 Speaker 2: expert here with us, let alone a financial feminist expert. So, Tori, 571 00:27:03,200 --> 00:27:05,560 Speaker 2: I'm going to throw out some real life scenarios and 572 00:27:05,600 --> 00:27:07,840 Speaker 2: I want to get your financial take on them. 573 00:27:08,240 --> 00:27:10,840 Speaker 1: Cool. I'm going to call this the career change. 574 00:27:10,840 --> 00:27:13,719 Speaker 2: So after working in the corporate world, you're considering a 575 00:27:13,760 --> 00:27:17,040 Speaker 2: complete career change that requires investing in yourself. 576 00:27:17,400 --> 00:27:18,959 Speaker 1: Maybe that means going back to school. 577 00:27:19,040 --> 00:27:22,000 Speaker 2: Maybe it requires taking a pay cut initially, or going 578 00:27:22,040 --> 00:27:24,480 Speaker 2: without pay at all for a few months. How should 579 00:27:24,520 --> 00:27:26,400 Speaker 2: you financially prepare for this transition? 580 00:27:26,960 --> 00:27:29,240 Speaker 4: Do everything you can to save while you still have income, 581 00:27:29,400 --> 00:27:32,600 Speaker 4: so set up that automatic transfer, you know, take advantage 582 00:27:32,640 --> 00:27:36,080 Speaker 4: of every single benefit your company offers. Often companies will 583 00:27:36,119 --> 00:27:40,560 Speaker 4: offer like development stipend. You can be sometimes literally getting 584 00:27:40,600 --> 00:27:42,879 Speaker 4: paid to like learn more. That can set you up 585 00:27:42,920 --> 00:27:44,800 Speaker 4: not just for success in the current job, but the 586 00:27:44,840 --> 00:27:48,119 Speaker 4: future job. So yeah, prepare save. This is what I 587 00:27:48,160 --> 00:27:50,800 Speaker 4: did when I was, you know, preparing to be an entrepreneur. 588 00:27:51,200 --> 00:27:53,280 Speaker 4: The one hundred k that I saved was literally my 589 00:27:53,280 --> 00:27:55,919 Speaker 4: provisious slip to quit corporate. That was the amount of 590 00:27:55,960 --> 00:28:00,159 Speaker 4: money I felt was enough to give me stability and 591 00:28:00,200 --> 00:28:03,280 Speaker 4: a head start, but also like enough runway where I 592 00:28:03,280 --> 00:28:06,840 Speaker 4: could see this through. And so that's literally what I 593 00:28:06,840 --> 00:28:09,320 Speaker 4: did was save and be really strategic to be able 594 00:28:09,359 --> 00:28:11,080 Speaker 4: to give myself that safety net. 595 00:28:11,520 --> 00:28:14,399 Speaker 2: So you you know what it's like to have a 596 00:28:14,400 --> 00:28:17,560 Speaker 2: side hustle. What is the best money move when you 597 00:28:17,640 --> 00:28:20,280 Speaker 2: have a side hustle? Is it investing or paying down debt? 598 00:28:21,359 --> 00:28:24,560 Speaker 4: I think depending on your interest rate, that's the answer. 599 00:28:24,680 --> 00:28:26,800 Speaker 4: So if you have debt that is over like seven 600 00:28:26,800 --> 00:28:29,480 Speaker 4: to eight percent interest, that is all credit card debt, 601 00:28:29,520 --> 00:28:32,040 Speaker 4: by the way, it is actually more advantageous to pay 602 00:28:32,040 --> 00:28:34,480 Speaker 4: off that debt. But if you have like student loans 603 00:28:34,560 --> 00:28:37,200 Speaker 4: under seven percent, car loans, mortgages most of those are 604 00:28:37,240 --> 00:28:39,960 Speaker 4: like under seven to eight percent, it's actually more advantageous 605 00:28:40,000 --> 00:28:43,280 Speaker 4: to invest. The fun fact that I wish more people 606 00:28:43,360 --> 00:28:45,760 Speaker 4: knew when you are a side hustler, when you own 607 00:28:45,800 --> 00:28:49,040 Speaker 4: a business in addition to your. 608 00:28:49,000 --> 00:28:49,520 Speaker 1: Nine to five. 609 00:28:49,560 --> 00:28:51,200 Speaker 4: So if you're a freelancer and you have to have 610 00:28:51,240 --> 00:28:54,800 Speaker 4: a business license, right, you can actually open a solo 611 00:28:54,840 --> 00:28:57,560 Speaker 4: four oh one K or what's called a step IRA, 612 00:28:58,160 --> 00:29:01,520 Speaker 4: which is like a self employed IRA. You have to 613 00:29:01,560 --> 00:29:03,840 Speaker 4: pick one, but you can contribute to that. So that's 614 00:29:03,880 --> 00:29:05,560 Speaker 4: one of the reasons I hit my one hundred k is. 615 00:29:05,600 --> 00:29:07,200 Speaker 4: I had my four to one k at work, I 616 00:29:07,200 --> 00:29:09,080 Speaker 4: had my roth IRA that was just for me as 617 00:29:09,080 --> 00:29:11,680 Speaker 4: an individual that pretty much anybody can open up, and 618 00:29:11,760 --> 00:29:15,400 Speaker 4: then I had my step IRA. So that is one 619 00:29:15,760 --> 00:29:18,200 Speaker 4: like cheat code that I wish more people knew is 620 00:29:18,240 --> 00:29:20,280 Speaker 4: that you can actually take a huge chunk of your 621 00:29:20,320 --> 00:29:22,360 Speaker 4: side hustle earnings and invest them. 622 00:29:22,680 --> 00:29:25,280 Speaker 2: Okay, I want to talk about a dream vacation. So 623 00:29:25,480 --> 00:29:28,120 Speaker 2: you've always wanted to take a three month sabbatical to 624 00:29:28,240 --> 00:29:31,400 Speaker 2: travel the world. How can you financially plan for an 625 00:29:31,400 --> 00:29:35,000 Speaker 2: extended break without jeopardizing your financial stability. 626 00:29:35,640 --> 00:29:36,920 Speaker 1: So it's all about savings. 627 00:29:36,960 --> 00:29:39,000 Speaker 4: It's all about putting money in something like a highield 628 00:29:39,040 --> 00:29:41,160 Speaker 4: savings account and allow an interest to work for you, 629 00:29:41,200 --> 00:29:43,680 Speaker 4: so you can not just save the money, but have 630 00:29:43,800 --> 00:29:48,000 Speaker 4: the interest accumulate too. And it's also being strategic are 631 00:29:48,040 --> 00:29:51,560 Speaker 4: you going to cut some of your normal expenses to 632 00:29:51,600 --> 00:29:53,640 Speaker 4: be able to do this sooner? Like do you want 633 00:29:53,640 --> 00:29:56,640 Speaker 4: this badly enough? Or you're willing to sacrifice maybe going 634 00:29:56,680 --> 00:29:59,240 Speaker 4: out to eat as much? Like what sort of expenses 635 00:29:59,280 --> 00:30:01,040 Speaker 4: are you willing to cut to be able to do 636 00:30:01,080 --> 00:30:04,560 Speaker 4: the thing that you want to do sooner? And there's 637 00:30:04,600 --> 00:30:07,160 Speaker 4: also I think a lot more workplaces are being really 638 00:30:07,200 --> 00:30:09,960 Speaker 4: flexible where Okay, maybe if you can't afford to do 639 00:30:10,040 --> 00:30:12,960 Speaker 4: three months off totally, maybe you work part time, or 640 00:30:13,160 --> 00:30:15,840 Speaker 4: maybe there's a way that you can continue with your 641 00:30:15,880 --> 00:30:18,280 Speaker 4: current job and just be like, hey, can I take 642 00:30:18,400 --> 00:30:20,560 Speaker 4: three months off and then I'll be back when I'm back. 643 00:30:20,640 --> 00:30:23,680 Speaker 4: So there's there's ways you can do this without blowing 644 00:30:23,760 --> 00:30:26,080 Speaker 4: up your entire life. But also if you want to 645 00:30:26,120 --> 00:30:28,240 Speaker 4: blow up your entire life, like you can get another job, 646 00:30:28,440 --> 00:30:30,960 Speaker 4: Like if you feel like it's it's really important for 647 00:30:31,000 --> 00:30:34,520 Speaker 4: you to do this right now, save accordingly. And this 648 00:30:34,560 --> 00:30:36,560 Speaker 4: is where I love that, like millennials and gen z 649 00:30:36,640 --> 00:30:39,760 Speaker 4: are really redefining what it means to like retire, so 650 00:30:39,960 --> 00:30:42,680 Speaker 4: all of us like retirement was sixty five years old 651 00:30:42,720 --> 00:30:46,960 Speaker 4: Pina Colada in Florida, right, Like it doesn't have to 652 00:30:47,000 --> 00:30:51,200 Speaker 4: be that, and it can be like many retirements, sabbaticals, 653 00:30:51,360 --> 00:30:54,160 Speaker 4: it can be you know, remote work or part time work. 654 00:30:54,240 --> 00:30:56,760 Speaker 1: So I love that somebodies even think about that in general. 655 00:30:56,960 --> 00:31:00,960 Speaker 2: Yeah, I agree. Okay, home renovation, this is on a 656 00:31:01,000 --> 00:31:04,080 Speaker 2: lot of people's minds. So let's say you're considering a 657 00:31:04,120 --> 00:31:07,280 Speaker 2: major home reno that will significantly increase the value of 658 00:31:07,320 --> 00:31:10,080 Speaker 2: your property. Should you take out a loan to finance 659 00:31:10,120 --> 00:31:12,960 Speaker 2: the renovation? Should you use your savings or a combination 660 00:31:13,040 --> 00:31:16,120 Speaker 2: of both. Yeah, it depends on the interest rate when 661 00:31:16,120 --> 00:31:19,120 Speaker 2: you're going to take on debt at all. This is 662 00:31:19,160 --> 00:31:22,160 Speaker 2: where if you're going to take on any sort of loan, 663 00:31:22,280 --> 00:31:26,360 Speaker 2: personal loan, car loan, mortgage, student loans, credit cards, right, 664 00:31:26,840 --> 00:31:29,760 Speaker 2: you need to know the terms of that loan and 665 00:31:29,960 --> 00:31:32,880 Speaker 2: are they actually advantageous to you. I would not use 666 00:31:32,920 --> 00:31:36,360 Speaker 2: your emergency savings for this. However, if your pipes burst, 667 00:31:36,960 --> 00:31:37,840 Speaker 2: that's an emergency. 668 00:31:38,040 --> 00:31:38,200 Speaker 3: Right. 669 00:31:38,600 --> 00:31:41,040 Speaker 4: If you are getting a new kitchen because you don't 670 00:31:41,080 --> 00:31:43,800 Speaker 4: like the one you're in, that's not an emergency. So 671 00:31:44,960 --> 00:31:47,480 Speaker 4: this is where you know, we might be automating towards 672 00:31:47,520 --> 00:31:50,640 Speaker 4: a financial goal like retirement or towards our emergency fund. 673 00:31:50,680 --> 00:31:52,960 Speaker 4: And then maybe you've set up an automatic transfer to 674 00:31:53,040 --> 00:31:55,840 Speaker 4: go on a separate highyled savings account for the home renovation. 675 00:31:56,080 --> 00:31:58,720 Speaker 4: But also like I would really crunch the numbers on 676 00:31:59,080 --> 00:32:02,320 Speaker 4: are you actually going to you like a definitive increase 677 00:32:02,360 --> 00:32:05,400 Speaker 4: in your property value and all of the other emotional 678 00:32:05,400 --> 00:32:07,880 Speaker 4: stuff we just said too, Like it's not just about 679 00:32:07,920 --> 00:32:10,280 Speaker 4: does it financially work, It's like, okay, this is important 680 00:32:10,320 --> 00:32:11,880 Speaker 4: to you, go ahead and save up for it. 681 00:32:12,840 --> 00:32:15,600 Speaker 2: So there has been a social media debate that has 682 00:32:15,640 --> 00:32:18,800 Speaker 2: been going on online since twenty twenty one, and the 683 00:32:18,880 --> 00:32:21,720 Speaker 2: question is would you rather have five hundred thousand dollars 684 00:32:22,080 --> 00:32:25,280 Speaker 2: or lunch your dinner with jay Z? So Tory, I 685 00:32:25,360 --> 00:32:27,080 Speaker 2: have to ask you which one would you take? 686 00:32:28,600 --> 00:32:30,760 Speaker 1: This has been the hardest question you've asked. So okay, 687 00:32:30,760 --> 00:32:34,040 Speaker 1: hold on, I am probably taking dinner with jay Z. 688 00:32:34,080 --> 00:32:35,760 Speaker 1: I would rather take dinner with Yance, but I'll take 689 00:32:35,800 --> 00:32:36,400 Speaker 1: dinner with ja Z. 690 00:32:36,720 --> 00:32:40,920 Speaker 4: For me, time is my currency now, and like connections 691 00:32:40,920 --> 00:32:43,320 Speaker 4: are my currency. It's not about money for me. And 692 00:32:43,360 --> 00:32:45,800 Speaker 4: again that sounds like, oh good for you, cool, but 693 00:32:45,880 --> 00:32:48,120 Speaker 4: like I want every single woman to be able to 694 00:32:48,160 --> 00:32:50,200 Speaker 4: answer it that way if that's what she so chooses. 695 00:32:50,520 --> 00:32:52,960 Speaker 2: I'm thinking that knowing you You're going to take dinner 696 00:32:53,000 --> 00:32:57,000 Speaker 2: with jay Z and turn it into multi millions of dollars. 697 00:32:57,040 --> 00:32:58,880 Speaker 1: I think you're good, Tory. 698 00:32:58,960 --> 00:33:02,040 Speaker 2: I so appreciate your time and you lift women up 699 00:33:02,240 --> 00:33:04,320 Speaker 2: both in your work and in your personal life. 700 00:33:04,360 --> 00:33:06,160 Speaker 1: Thank you, that mean so much. Thanks for having me. 701 00:33:06,960 --> 00:33:10,120 Speaker 2: Tory Dunlap is a New York Times bestselling author and 702 00:33:10,160 --> 00:33:12,560 Speaker 2: the host of the podcast Financial Feminist. 703 00:33:18,520 --> 00:33:20,200 Speaker 1: That's the show Today. We'll be back. 704 00:33:20,120 --> 00:33:25,800 Speaker 2: Tomorrow with Culinary Dynamo author and host Kristin Kish. Listen 705 00:33:25,800 --> 00:33:29,400 Speaker 2: and Follow the bright Side on the iHeartRadio app, Apple Podcasts, 706 00:33:29,480 --> 00:33:31,120 Speaker 2: or wherever you get your podcasts. 707 00:33:31,720 --> 00:33:32,600 Speaker 1: I'm Simone Boye. 708 00:33:32,640 --> 00:33:36,040 Speaker 3: You can find me at Simone Boice on Instagram and TikTok. 709 00:33:36,440 --> 00:33:39,200 Speaker 2: I'm Danielle Robe on Instagram and TikTok. 710 00:33:39,320 --> 00:33:42,280 Speaker 1: That's ro Ba. Y see you tomorrow, folks. 711 00:33:42,400 --> 00:33:45,840 Speaker 3: Keep looking on the bright side.