1 00:00:04,960 --> 00:00:07,280 Speaker 1: Welcome to Money Making Conversations. It's the show that she 2 00:00:07,320 --> 00:00:10,039 Speaker 1: has the secrets of success experience firsthand by marketing and 3 00:00:10,119 --> 00:00:13,039 Speaker 1: Brandon expert Rashan McDonald. I will know he's giving me 4 00:00:13,080 --> 00:00:15,400 Speaker 1: advice on many occasions. In the case you didn't notice, 5 00:00:15,800 --> 00:00:19,200 Speaker 1: I'm not broke, you know he'll be interviewing celebrity CEOs, 6 00:00:19,480 --> 00:00:22,520 Speaker 1: entrepreneurs and industry decision makers. It's what he likes to do, 7 00:00:22,720 --> 00:00:25,079 Speaker 1: it's what he likes to share. Now it's time to 8 00:00:25,120 --> 00:00:29,120 Speaker 1: hear from my man, Rashan McDonald money Making Conversations. Here 9 00:00:29,160 --> 00:00:32,120 Speaker 1: we come. Welcome to Money Making Conversation. I'm your host 10 00:00:32,120 --> 00:00:35,280 Speaker 1: with Sean McDonald. It's time to stop reading other people's 11 00:00:35,280 --> 00:00:37,559 Speaker 1: success stories and start writing your own. I say that 12 00:00:37,640 --> 00:00:40,080 Speaker 1: when I started all of my episodes. I always tell 13 00:00:40,080 --> 00:00:42,599 Speaker 1: people to leave with their gifts, their passions, and don't 14 00:00:42,680 --> 00:00:45,720 Speaker 1: let their age, friends, family, or coworkers stop them from 15 00:00:45,720 --> 00:00:48,320 Speaker 1: planning or living their dreams. The book we're going to 16 00:00:48,400 --> 00:00:51,240 Speaker 1: talk about today really really aligned to sept with that statement. 17 00:00:51,520 --> 00:00:54,280 Speaker 1: My interviews provide the consumer and business owner access to 18 00:00:54,400 --> 00:00:58,000 Speaker 1: celebrity CEOs, entrepreneurs, and what I like to call industry 19 00:00:58,040 --> 00:01:01,720 Speaker 1: decision makers. My next guest is Jennifer Barrett. She's the 20 00:01:01,800 --> 00:01:05,160 Speaker 1: chief education officer at Acorns, a financial wellness app with 21 00:01:05,280 --> 00:01:08,839 Speaker 1: more than nine point five million users. She's a contributor 22 00:01:08,880 --> 00:01:11,120 Speaker 1: for Forbes, and she has also written about money for 23 00:01:11,160 --> 00:01:14,760 Speaker 1: publications such as New York Times, to Washington Post, Worth 24 00:01:15,040 --> 00:01:17,920 Speaker 1: Money and News, with where she was a staff writer 25 00:01:18,040 --> 00:01:20,120 Speaker 1: and editor. She's on the show to talk about her 26 00:01:20,160 --> 00:01:23,440 Speaker 1: new book, Think Like a bread Winner, Think Like a 27 00:01:23,440 --> 00:01:25,839 Speaker 1: bread Winner. Of the book everyone can learn from I did, 28 00:01:26,360 --> 00:01:29,800 Speaker 1: and but it's geared towards women because, according to Jennifer, 29 00:01:30,080 --> 00:01:32,600 Speaker 1: women that have been culturally conditioned not to think like 30 00:01:32,760 --> 00:01:36,280 Speaker 1: bread winners. This book truly is about being financially independent. 31 00:01:36,480 --> 00:01:38,920 Speaker 1: Please working to money making conversation. I'm gonna call a 32 00:01:38,920 --> 00:01:41,520 Speaker 1: good friend because before this interview we're just talking and talking. 33 00:01:41,560 --> 00:01:44,880 Speaker 1: They're talking, Jennifer Barrett. How are you doing, Jennifer. I'm 34 00:01:44,920 --> 00:01:47,039 Speaker 1: doing great. Thanks so much for having me. I was, 35 00:01:47,200 --> 00:01:50,040 Speaker 1: you know, Jennifer, Uh, we were just talking and talking, 36 00:01:50,080 --> 00:01:52,960 Speaker 1: and I just feel really a certain kinship for you. 37 00:01:53,120 --> 00:01:55,520 Speaker 1: Is that just a natural party of personality? People just 38 00:01:55,640 --> 00:01:59,760 Speaker 1: really uh gravitate to you. I don't know that's I 39 00:01:59,760 --> 00:02:03,160 Speaker 1: don't no one's ever asked me that, But thank you 40 00:02:03,280 --> 00:02:05,320 Speaker 1: for that. I do you know as a journalist for 41 00:02:05,360 --> 00:02:08,440 Speaker 1: many years, and um, so I think I'm used to 42 00:02:09,320 --> 00:02:11,760 Speaker 1: I like to make people comfortable. Well you, and I 43 00:02:11,800 --> 00:02:14,160 Speaker 1: really am genuinely interested in everyone I meet, So I 44 00:02:14,200 --> 00:02:17,400 Speaker 1: think that that probably comes across and meet me. Well you, you, 45 00:02:17,400 --> 00:02:19,600 Speaker 1: you definitely are making me comfortable. I read your book, 46 00:02:19,680 --> 00:02:22,720 Speaker 1: and usually how do I read the book? Always the 47 00:02:22,800 --> 00:02:25,880 Speaker 1: day of the interview. That's where the questions stay very fresh, 48 00:02:26,000 --> 00:02:29,359 Speaker 1: very topical. I don't feel like I'm reaching for any information. Plus, 49 00:02:29,680 --> 00:02:32,280 Speaker 1: I also zero in and what really attracts me to 50 00:02:32,400 --> 00:02:34,600 Speaker 1: the book. But before we get into the book, I've 51 00:02:34,639 --> 00:02:38,320 Speaker 1: read your title chief Education Officer at a coin nine 52 00:02:38,360 --> 00:02:42,760 Speaker 1: point five million users, Please explain to us what exactly 53 00:02:42,880 --> 00:02:45,320 Speaker 1: is a cons and what exactly is your role as 54 00:02:45,360 --> 00:02:49,560 Speaker 1: the chief education officer. Sure well, I joined a little 55 00:02:49,560 --> 00:02:52,400 Speaker 1: over five years ago, almost five and a half actually now. 56 00:02:53,000 --> 00:02:54,760 Speaker 1: And one of the things that drew me to the 57 00:02:54,800 --> 00:02:58,720 Speaker 1: company is I had been in financial journalists journalism for 58 00:02:59,000 --> 00:03:01,920 Speaker 1: years before they and I sort of felt like we 59 00:03:01,960 --> 00:03:04,240 Speaker 1: had been writing the same headline so often about how 60 00:03:04,320 --> 00:03:07,320 Speaker 1: little people save and how they're not prepared to cover 61 00:03:07,400 --> 00:03:09,440 Speaker 1: unexpected expenses, and then we're on the brink of this 62 00:03:09,520 --> 00:03:13,320 Speaker 1: retirement crisis, and I was beginning to wonder if getting 63 00:03:13,360 --> 00:03:17,320 Speaker 1: information out alone was enough inspiration information, if that was 64 00:03:17,360 --> 00:03:20,680 Speaker 1: really enough to change people's behaviors. UM. And then I 65 00:03:21,200 --> 00:03:24,359 Speaker 1: my team, actually I was a personal finance editor at CNBC, 66 00:03:24,480 --> 00:03:26,359 Speaker 1: and my team had written a lot about these new 67 00:03:26,360 --> 00:03:29,560 Speaker 1: fintech apps and one of the things that really attracted 68 00:03:29,560 --> 00:03:32,760 Speaker 1: me to Acorns was that it was such a simple 69 00:03:32,840 --> 00:03:35,760 Speaker 1: but brilliant solution to a real barrier for so many 70 00:03:35,800 --> 00:03:39,160 Speaker 1: Americans when it comes to investing. And that was the 71 00:03:39,160 --> 00:03:43,000 Speaker 1: feature where we round up your purchases and literally investor 72 00:03:43,080 --> 00:03:46,320 Speaker 1: spare change. And I think what that does immediately is 73 00:03:46,360 --> 00:03:48,600 Speaker 1: it removes so much of the fear that we have 74 00:03:48,720 --> 00:03:51,680 Speaker 1: around investing, so much of these beliefs we have that 75 00:03:51,720 --> 00:03:53,080 Speaker 1: you have to have a lot of money in order 76 00:03:53,120 --> 00:03:56,120 Speaker 1: to invest all of these things um. And so that's 77 00:03:56,120 --> 00:03:58,240 Speaker 1: really what drew me to the company. And then I 78 00:03:58,360 --> 00:04:01,080 Speaker 1: joined in a senior VP year role, our VP role 79 00:04:01,120 --> 00:04:04,280 Speaker 1: and Senior VP and then was promoted into the Chief 80 00:04:04,360 --> 00:04:07,960 Speaker 1: Education Officer role, And that essentially means I spend most 81 00:04:08,040 --> 00:04:11,640 Speaker 1: of my time thinking about how to promote financial literacy 82 00:04:11,720 --> 00:04:14,600 Speaker 1: and to better educates not only our users and we 83 00:04:14,640 --> 00:04:17,599 Speaker 1: have around five million now as you mentioned, but also 84 00:04:17,960 --> 00:04:21,560 Speaker 1: everyone you know, really thinking about how we can promote 85 00:04:21,600 --> 00:04:24,880 Speaker 1: financial literacy in this country and just close that gap, 86 00:04:25,000 --> 00:04:28,200 Speaker 1: close the wealth gap, closed the financial literacy gap, so 87 00:04:28,240 --> 00:04:30,359 Speaker 1: that everyone has the opportunity to live the life that 88 00:04:30,400 --> 00:04:32,680 Speaker 1: they wants. Well, we came off for a really strange 89 00:04:32,760 --> 00:04:35,600 Speaker 1: year in years people standing in line for food and 90 00:04:35,839 --> 00:04:38,599 Speaker 1: unemployment and a record rate. You had this country shut 91 00:04:38,680 --> 00:04:41,880 Speaker 1: down for two months, and then we had the highest 92 00:04:41,960 --> 00:04:46,360 Speaker 1: increase of billionaires in the world and the stock market 93 00:04:46,440 --> 00:04:50,320 Speaker 1: set records during this summer. Um Nash that crossed over 94 00:04:50,360 --> 00:04:53,520 Speaker 1: a number and it never crossed over into history. Now, 95 00:04:53,600 --> 00:04:56,920 Speaker 1: being you the chief education officer at Acorns and Financial 96 00:04:57,120 --> 00:05:03,800 Speaker 1: fintan App fintech app, explain that to me, I mean, 97 00:05:03,880 --> 00:05:05,719 Speaker 1: the simplest way to look at it is that the 98 00:05:05,760 --> 00:05:10,279 Speaker 1: shareholder class got richer and the working class did not. 99 00:05:11,080 --> 00:05:13,520 Speaker 1: For the most parts, um So people who were more 100 00:05:13,560 --> 00:05:17,120 Speaker 1: dependent on a paycheck struggle more, and people who were 101 00:05:17,120 --> 00:05:20,320 Speaker 1: more dependent on their investments, particularly in the stock market, 102 00:05:20,680 --> 00:05:23,159 Speaker 1: um did quite well because as you mentioned, the stock 103 00:05:23,240 --> 00:05:27,400 Speaker 1: market has hit record highs. Um Surprisingly, I'm less really 104 00:05:27,400 --> 00:05:29,400 Speaker 1: given that we were in a recession last year and 105 00:05:29,440 --> 00:05:32,840 Speaker 1: in a global pandemic um. But that's really the simplest 106 00:05:32,839 --> 00:05:34,159 Speaker 1: way to look at it, and I think one of 107 00:05:34,200 --> 00:05:36,720 Speaker 1: the I mean, there are so so much that we 108 00:05:36,800 --> 00:05:38,839 Speaker 1: can learn from this pandemic, but one of the big 109 00:05:38,920 --> 00:05:42,359 Speaker 1: lessons there is just the importance of getting in the game, 110 00:05:42,560 --> 00:05:46,240 Speaker 1: you know, um, and not depending solely on a paycheck, 111 00:05:46,360 --> 00:05:49,360 Speaker 1: but really starting to use those paychecks to build wealth, 112 00:05:49,440 --> 00:05:53,000 Speaker 1: even if it's five t fift twenty, you know, fifty 113 00:05:53,000 --> 00:05:56,080 Speaker 1: dollars a month, really getting in the habit of taking 114 00:05:56,080 --> 00:05:58,159 Speaker 1: some money and starting to build that wealth so that 115 00:05:58,240 --> 00:06:01,159 Speaker 1: you're less dependent on paycheck X. And then of course 116 00:06:01,279 --> 00:06:04,200 Speaker 1: making sure that you're saving some money, you know, especially 117 00:06:04,320 --> 00:06:06,520 Speaker 1: during good times, because I think what happens in this 118 00:06:06,640 --> 00:06:09,080 Speaker 1: country is that if you look at the savings rates, 119 00:06:09,120 --> 00:06:11,840 Speaker 1: when things are good, the savings rate goes down, and 120 00:06:11,880 --> 00:06:13,760 Speaker 1: it's almost as if we think, like the good days 121 00:06:13,760 --> 00:06:16,560 Speaker 1: will just keep happening. But that is exactly the time 122 00:06:16,600 --> 00:06:18,880 Speaker 1: when you want to be putting more money into savings 123 00:06:18,880 --> 00:06:22,159 Speaker 1: and investing because you know, maybe not a pandemic. I 124 00:06:22,200 --> 00:06:24,040 Speaker 1: hope we never have to deal with that again, but 125 00:06:24,240 --> 00:06:27,040 Speaker 1: you know, recessions happen. You know, there are the economy 126 00:06:27,040 --> 00:06:29,479 Speaker 1: goes in cycles, and so during the good times, you 127 00:06:29,480 --> 00:06:31,719 Speaker 1: want to be preparing yourself so that you can weather 128 00:06:31,760 --> 00:06:34,000 Speaker 1: the bad times too. And I think that was a 129 00:06:34,040 --> 00:06:36,760 Speaker 1: big lesson of this pandemic too well, I think about it. 130 00:06:36,760 --> 00:06:40,080 Speaker 1: I'm doing a kind of interesting way of getting into 131 00:06:40,120 --> 00:06:42,440 Speaker 1: your book, because that's what your book is about. If 132 00:06:42,480 --> 00:06:45,279 Speaker 1: you're if you're running, if you if you're your ears 133 00:06:45,279 --> 00:06:47,840 Speaker 1: are bleeding talking about the stock market, your ears are 134 00:06:47,839 --> 00:06:51,480 Speaker 1: bleeding talking about career options and and that diversifying your 135 00:06:51,480 --> 00:06:54,080 Speaker 1: opportunity to be successful, then that's what this book is 136 00:06:54,120 --> 00:06:56,880 Speaker 1: all about. This book is about stepping out of your 137 00:06:56,920 --> 00:07:01,760 Speaker 1: comfort zone into a zone that could create circular financial independence. 138 00:07:01,800 --> 00:07:04,800 Speaker 1: And it's recently I was I finally sat down, and 139 00:07:04,920 --> 00:07:08,159 Speaker 1: you know, I've always just given my money to my 140 00:07:08,160 --> 00:07:10,640 Speaker 1: my my stock investor. He's putting in the way. You know, 141 00:07:10,680 --> 00:07:13,880 Speaker 1: we have the conservative fund and we have the risky 142 00:07:13,920 --> 00:07:16,160 Speaker 1: for us to stop stop. I want to invest in 143 00:07:16,360 --> 00:07:20,280 Speaker 1: uh Amazon, I want to invest in Apple. I want 144 00:07:20,280 --> 00:07:22,640 Speaker 1: to invest that's excuse me, it's my money. I want 145 00:07:22,640 --> 00:07:24,679 Speaker 1: to invest in I said, I said, because I'm tired 146 00:07:24,680 --> 00:07:27,120 Speaker 1: of you guys playing around with my world. So I 147 00:07:27,160 --> 00:07:30,840 Speaker 1: tried to take control of what I feel, a direction 148 00:07:30,840 --> 00:07:32,480 Speaker 1: of where I want. I got my Disney stock, I 149 00:07:32,480 --> 00:07:35,920 Speaker 1: got my black Stone Black black Rock stock, so and 150 00:07:36,000 --> 00:07:38,600 Speaker 1: I got a little Chevron and so I divers got 151 00:07:38,600 --> 00:07:42,200 Speaker 1: me a little low uh City bank and Visa some 152 00:07:42,280 --> 00:07:46,239 Speaker 1: financial financial stock. So so that's really what we're talking 153 00:07:46,280 --> 00:07:49,400 Speaker 1: about when this book, and it's a book of my awakening, 154 00:07:49,560 --> 00:07:51,120 Speaker 1: was I came out of the pandanga, I had this 155 00:07:51,120 --> 00:07:53,960 Speaker 1: many money sitting over there, and I had a guy 156 00:07:54,040 --> 00:07:56,040 Speaker 1: just telling me what to do. I'm just saying a 157 00:07:56,080 --> 00:07:58,760 Speaker 1: guy could be a female too, who's helping your stock. 158 00:07:59,240 --> 00:08:02,280 Speaker 1: And basically that's what I think like a bread winner 159 00:08:02,320 --> 00:08:04,880 Speaker 1: is all about. We go through life, whether you're male 160 00:08:04,960 --> 00:08:07,800 Speaker 1: or female. In this particular case is about females. And 161 00:08:07,880 --> 00:08:10,560 Speaker 1: guess when we settled, we're kind of settled for what 162 00:08:10,640 --> 00:08:15,520 Speaker 1: we assume is the life we're supposed to lead. And unfortunately, 163 00:08:15,840 --> 00:08:19,120 Speaker 1: when the curve hits, or the bumping the role hits, 164 00:08:19,160 --> 00:08:22,920 Speaker 1: the woman is not prepared. And you said that to yourself. 165 00:08:22,960 --> 00:08:24,720 Speaker 1: You didn't hit a bump in the row, but you 166 00:08:24,840 --> 00:08:30,440 Speaker 1: had a what they say a revelation. You know, this 167 00:08:30,520 --> 00:08:33,160 Speaker 1: is this apartment that you was in was closing in 168 00:08:33,360 --> 00:08:35,600 Speaker 1: on you, when at one time you thought it was 169 00:08:35,760 --> 00:08:38,199 Speaker 1: it was all cool. You thought you were said, talk 170 00:08:38,280 --> 00:08:41,680 Speaker 1: about that initial journey into your revelation, which has led 171 00:08:41,720 --> 00:08:44,200 Speaker 1: to you be a success story in the financial market 172 00:08:44,440 --> 00:08:47,080 Speaker 1: but also the right This brilliant book called Think Like 173 00:08:47,120 --> 00:08:50,800 Speaker 1: a bread Winner. Thank You. Yes, I had my own 174 00:08:50,800 --> 00:08:52,720 Speaker 1: wake up call, and I think, looking back, I was 175 00:08:52,760 --> 00:08:55,760 Speaker 1: really fortunate because, um I had a wake up call 176 00:08:55,840 --> 00:09:00,439 Speaker 1: early in my life, early in my parenthood, and um 177 00:09:00,520 --> 00:09:02,319 Speaker 1: so I was able to make some changes and get 178 00:09:02,360 --> 00:09:04,800 Speaker 1: on the right course. And I wasn't faced with, you know, 179 00:09:04,960 --> 00:09:07,679 Speaker 1: really terrible situation. It was just a situation where my 180 00:09:07,760 --> 00:09:09,960 Speaker 1: husband and I were in a small, one bedroom apartment 181 00:09:10,160 --> 00:09:12,880 Speaker 1: with a toddler who was outgrowing his crib, you know, 182 00:09:13,040 --> 00:09:16,080 Speaker 1: and he was three ft from the bed, and I 183 00:09:16,160 --> 00:09:18,280 Speaker 1: really hadn't been paying attention to where we were. I 184 00:09:18,320 --> 00:09:21,000 Speaker 1: was just sort of um comfortable. I was a new mom. 185 00:09:21,040 --> 00:09:23,280 Speaker 1: I was really focused on our baby. And one night 186 00:09:23,320 --> 00:09:25,120 Speaker 1: I was up with him and I was pacing back 187 00:09:25,120 --> 00:09:27,160 Speaker 1: and forth in our bedroom. I think any parent can 188 00:09:27,200 --> 00:09:28,760 Speaker 1: relate to this, you know, trying to get him back 189 00:09:28,800 --> 00:09:31,280 Speaker 1: to sleep. And I looked around and it really hit 190 00:09:31,320 --> 00:09:36,240 Speaker 1: me we're in an unsustainable situation. And you know, all 191 00:09:36,280 --> 00:09:39,040 Speaker 1: my life, I had wanted kids, you know, I really 192 00:09:39,200 --> 00:09:42,440 Speaker 1: deeply wanted a second child. We I loved where we 193 00:09:42,480 --> 00:09:44,880 Speaker 1: lived in Brooklyn. I loved our neighborhood. We had this 194 00:09:45,000 --> 00:09:47,920 Speaker 1: network and friends, and I didn't want to leave, and 195 00:09:48,320 --> 00:09:51,079 Speaker 1: we wanted a place of our own. And I realized 196 00:09:51,120 --> 00:09:53,360 Speaker 1: in that moment that even though I thought I'd been 197 00:09:53,360 --> 00:09:55,600 Speaker 1: doing a lot right, like I was covering half the bills, 198 00:09:55,600 --> 00:09:57,240 Speaker 1: I had a little four one K, had a little 199 00:09:57,240 --> 00:10:00,760 Speaker 1: bit of savings, that I really wasn't making the kinds 200 00:10:00,760 --> 00:10:03,760 Speaker 1: of money choices that would ensure that we could afford 201 00:10:03,800 --> 00:10:06,520 Speaker 1: these things that were so important to me. And I 202 00:10:07,320 --> 00:10:11,959 Speaker 1: asked myself, why had I not been making those those choices, 203 00:10:12,000 --> 00:10:14,280 Speaker 1: taking that action with my money? And I realized that, 204 00:10:14,360 --> 00:10:18,200 Speaker 1: deep down, I had been depending on my husband to 205 00:10:18,320 --> 00:10:21,560 Speaker 1: do all the financial planning for our future because that's 206 00:10:21,559 --> 00:10:23,720 Speaker 1: how I'd grown up. My dad had been the main 207 00:10:23,880 --> 00:10:26,800 Speaker 1: or sold breadwinner for most of my childhood, and so 208 00:10:26,840 --> 00:10:31,240 Speaker 1: I sort of grew up subconsciously expecting to depend on 209 00:10:31,320 --> 00:10:33,880 Speaker 1: my partner for a lot of that. Um So then 210 00:10:33,920 --> 00:10:36,400 Speaker 1: I kind of asked myself, you know, after realizing that 211 00:10:36,400 --> 00:10:39,200 Speaker 1: is sort of why was I thinking that? And then 212 00:10:39,240 --> 00:10:42,200 Speaker 1: I asked, what if I had been raised instead to 213 00:10:42,360 --> 00:10:44,680 Speaker 1: be the breadwinner? You know, what if I had grown 214 00:10:44,720 --> 00:10:48,200 Speaker 1: up believing that I would be fully financially responsible for 215 00:10:48,240 --> 00:10:51,840 Speaker 1: myself for life and probably a family too, would that 216 00:10:52,000 --> 00:10:54,880 Speaker 1: change the choices I made with my money? And the 217 00:10:54,960 --> 00:10:59,600 Speaker 1: answer was a resounding yes. And so then the question was, Okay, 218 00:11:00,040 --> 00:11:03,640 Speaker 1: what do I do now? And that's really where it started. Well, 219 00:11:03,679 --> 00:11:06,160 Speaker 1: the interesting thing about it is that that's why I say, 220 00:11:06,240 --> 00:11:08,040 Speaker 1: you know, I'm not gonna take anyway. This is a 221 00:11:08,120 --> 00:11:11,360 Speaker 1: brilliant book. But if you're a man, this happens to you. 222 00:11:11,960 --> 00:11:15,200 Speaker 1: If you are a person who's going through life. You know, 223 00:11:15,600 --> 00:11:18,520 Speaker 1: here's just let me be an example. I went to 224 00:11:18,720 --> 00:11:22,080 Speaker 1: went to college, I got my degree in mathematics, my mind, 225 00:11:22,120 --> 00:11:25,600 Speaker 1: and sociology, and went to work for IBM, and you know, 226 00:11:26,040 --> 00:11:28,360 Speaker 1: I'm thinking, this is my life, you know, And I 227 00:11:28,640 --> 00:11:32,320 Speaker 1: eventually quit IBM and started a career as a stand 228 00:11:32,400 --> 00:11:34,200 Speaker 1: up comedian, which led to a lot of other great 229 00:11:34,200 --> 00:11:37,040 Speaker 1: things in my life. But I made that decision, you 230 00:11:37,080 --> 00:11:40,200 Speaker 1: understand what I'm saying, Jennifer. I made that decision, and 231 00:11:40,280 --> 00:11:42,880 Speaker 1: so this book is about telling you don't be the 232 00:11:42,920 --> 00:11:45,600 Speaker 1: person with the decision is being made for you. And 233 00:11:45,640 --> 00:11:48,200 Speaker 1: that's what happens so much in the bread when the 234 00:11:48,240 --> 00:11:51,600 Speaker 1: conversation that you were talking about, I decided to leave IBM, 235 00:11:51,640 --> 00:11:54,360 Speaker 1: So it means that I planned not exit. I had 236 00:11:54,400 --> 00:11:57,120 Speaker 1: some money saved, not with enough money, by the way, 237 00:11:57,240 --> 00:11:59,120 Speaker 1: but I had some money saved because I planned I 238 00:11:59,160 --> 00:12:02,199 Speaker 1: was going to be a success and entertainment. So this 239 00:12:02,280 --> 00:12:05,320 Speaker 1: is about thinking out of the box about yourself and 240 00:12:05,679 --> 00:12:07,439 Speaker 1: in some words, a lot of people use this word 241 00:12:07,760 --> 00:12:10,680 Speaker 1: wrong incorrectly selfish, because I think at some point you 242 00:12:10,720 --> 00:12:13,480 Speaker 1: have to think about yourself. Talk about that whole process 243 00:12:13,480 --> 00:12:17,000 Speaker 1: of thinking about yourself and outside of the revelation, because 244 00:12:17,000 --> 00:12:20,520 Speaker 1: you have to be you have to be selfish. Well, 245 00:12:20,559 --> 00:12:22,800 Speaker 1: you have to take care of yourself, and I don't. 246 00:12:22,880 --> 00:12:25,040 Speaker 1: I don't necessarily and I know some people do say 247 00:12:25,120 --> 00:12:27,880 Speaker 1: that's being selfish, um, But you really can't take care 248 00:12:27,920 --> 00:12:30,560 Speaker 1: of anybody else unless you're taking care of yourself, um, 249 00:12:30,559 --> 00:12:32,480 Speaker 1: And so I don't think of it as being selfish. 250 00:12:32,559 --> 00:12:34,560 Speaker 1: I think I'm not in a position to really care 251 00:12:34,600 --> 00:12:37,160 Speaker 1: for my family if I'm not caring for myself, and 252 00:12:37,200 --> 00:12:39,439 Speaker 1: that that is, you know, both the self care aspect 253 00:12:39,480 --> 00:12:42,120 Speaker 1: of it, but also financially and really, you know, to 254 00:12:42,200 --> 00:12:44,120 Speaker 1: your point, what this came down to is like people 255 00:12:44,120 --> 00:12:46,320 Speaker 1: are in different situations, but what it came down to 256 00:12:47,080 --> 00:12:49,920 Speaker 1: was that I was depending on someone else to make 257 00:12:49,960 --> 00:12:53,600 Speaker 1: sure the future that I wanted happens. I was relinquishing 258 00:12:53,720 --> 00:12:57,439 Speaker 1: that responsibility to someone else, and and I wanted to 259 00:12:57,480 --> 00:12:59,880 Speaker 1: take back some of that control. I wanted to feel 260 00:13:00,040 --> 00:13:02,679 Speaker 1: really secure that these things that were so important to 261 00:13:02,760 --> 00:13:05,360 Speaker 1: me in my life came to pass. And that meant 262 00:13:05,400 --> 00:13:09,839 Speaker 1: really confronting the underlying beliefs that had, you know, informed 263 00:13:09,920 --> 00:13:12,640 Speaker 1: the money choices that I've made, and then confronting these 264 00:13:12,679 --> 00:13:15,040 Speaker 1: these you know, money things in my mind, like am 265 00:13:15,040 --> 00:13:17,040 Speaker 1: I am I good with money? Can I do this? 266 00:13:17,160 --> 00:13:19,640 Speaker 1: And I and I am I capable of earning more? 267 00:13:19,720 --> 00:13:21,560 Speaker 1: All of these kind of fears come up to the 268 00:13:21,600 --> 00:13:23,520 Speaker 1: surface when you start to say I am going to 269 00:13:23,640 --> 00:13:28,240 Speaker 1: take financial responsibility for my life. I can do this right, 270 00:13:28,640 --> 00:13:32,520 Speaker 1: because that gives you such tremendous agency over your life 271 00:13:33,080 --> 00:13:35,960 Speaker 1: and it is an incredible feeling. And I know that 272 00:13:36,000 --> 00:13:38,160 Speaker 1: a lot of people don't really get that message when 273 00:13:38,160 --> 00:13:40,199 Speaker 1: they're growing up. It's not just women, but I do 274 00:13:40,320 --> 00:13:44,680 Speaker 1: think culturally we are not conditioning women to really think 275 00:13:44,679 --> 00:13:48,839 Speaker 1: of themselves as wealth builders right, as being real providers 276 00:13:48,840 --> 00:13:51,640 Speaker 1: and being able to support the lives that they want 277 00:13:51,720 --> 00:13:54,679 Speaker 1: and to support others lives too, and then really being 278 00:13:54,720 --> 00:13:57,400 Speaker 1: given the tools to do that. And I think that's 279 00:13:57,440 --> 00:13:59,160 Speaker 1: true of a lot of Americans. We do a really 280 00:13:59,240 --> 00:14:03,520 Speaker 1: bad job of educating people about finances in this country. 281 00:14:03,559 --> 00:14:05,640 Speaker 1: We have a ways to go, but I do think 282 00:14:05,679 --> 00:14:08,320 Speaker 1: that the message that women get, combined with that lack 283 00:14:08,360 --> 00:14:11,160 Speaker 1: of education, can do more damage, you know. So I 284 00:14:11,200 --> 00:14:14,360 Speaker 1: think we have a wider gap to close as women. 285 00:14:14,400 --> 00:14:16,440 Speaker 1: And if you look really just step back and look 286 00:14:16,440 --> 00:14:19,280 Speaker 1: at the data points there, women really are lagging men 287 00:14:19,400 --> 00:14:22,880 Speaker 1: financially by almost any measure, and there's no reason for that. 288 00:14:23,160 --> 00:14:26,480 Speaker 1: There's really no reason for that anymore. Um So, I 289 00:14:26,600 --> 00:14:30,080 Speaker 1: it's this book is really about like removing those internal 290 00:14:30,120 --> 00:14:33,200 Speaker 1: barriers and overcoming the external barriers so that you can 291 00:14:33,240 --> 00:14:37,200 Speaker 1: reach your wealth building earning potential and have the life 292 00:14:37,200 --> 00:14:41,520 Speaker 1: that you really want. It's finally here the season of celebration, 293 00:14:41,760 --> 00:14:44,440 Speaker 1: and no matter how you celebrate with family and friends, 294 00:14:44,600 --> 00:14:48,080 Speaker 1: whether you're preparing for Reis Magos or Karamu lighting, the 295 00:14:48,120 --> 00:14:51,600 Speaker 1: Manura are going to midnight mass Goals has just what 296 00:14:51,680 --> 00:14:55,320 Speaker 1: you need to make those traditions special. Plus you'll find 297 00:14:55,360 --> 00:14:58,480 Speaker 1: gifts for all your loved ones. 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So this season, give with all your heart 307 00:15:30,960 --> 00:15:34,760 Speaker 1: with great gifts from Coals or Coals dot com. What 308 00:15:34,960 --> 00:15:38,720 Speaker 1: grows in the forest trees, Sure no one else grows 309 00:15:38,720 --> 00:15:42,440 Speaker 1: in the forest. Our imagination, our sense of wonder, and 310 00:15:42,520 --> 00:15:45,720 Speaker 1: our family bonds grow too, because when we disconnect from 311 00:15:45,800 --> 00:15:52,240 Speaker 1: this and connect with this, we reconnect with each other. 312 00:15:53,000 --> 00:15:55,880 Speaker 1: The forest is closer than you think. Find a forest 313 00:15:56,000 --> 00:15:59,160 Speaker 1: near you and start exploring. I Discover the Forest dot 314 00:15:59,320 --> 00:16:02,400 Speaker 1: Org to you by the United States Forest Service and 315 00:16:02,440 --> 00:16:06,040 Speaker 1: the ad Council Hi everyone, i'l roker here as a 316 00:16:06,080 --> 00:16:09,240 Speaker 1: guy with his own catchphrase. I appreciate that Smokey's only 317 00:16:09,320 --> 00:16:13,040 Speaker 1: said only you can prevent wildfires, But I'm filling in 318 00:16:13,120 --> 00:16:15,880 Speaker 1: because there's a lot more to report, like when they're 319 00:16:16,000 --> 00:16:19,160 Speaker 1: parched or windy conditions out there. You gotta be extra 320 00:16:19,200 --> 00:16:23,360 Speaker 1: careful with things like burning yard wast After all, wildfires 321 00:16:23,360 --> 00:16:26,120 Speaker 1: can start anywhere, even in your neck of the woods. 322 00:16:26,440 --> 00:16:29,040 Speaker 1: Go to Smokey Bear dot com to learn more about 323 00:16:29,040 --> 00:16:31,920 Speaker 1: wildfire prevention. Brought to you by the U. S. Forest Service, 324 00:16:32,080 --> 00:16:34,640 Speaker 1: your state Forrester, and the ad Council. Well, you know 325 00:16:34,640 --> 00:16:37,120 Speaker 1: an interesting thing about the book. I want to back 326 00:16:37,200 --> 00:16:39,520 Speaker 1: up just a little bit, and you're gonna bring race 327 00:16:39,560 --> 00:16:41,520 Speaker 1: in just a little bit. This is a positive version 328 00:16:41,560 --> 00:16:43,720 Speaker 1: of life. Well, you know, you have black women and 329 00:16:43,760 --> 00:16:46,600 Speaker 1: you have white women, and you mentioned something about black women. 330 00:16:46,880 --> 00:16:51,280 Speaker 1: They were exposed to the the bread winner philosophy for decades. 331 00:16:51,320 --> 00:16:54,160 Speaker 1: Explain about that, and then why white women have been 332 00:16:54,360 --> 00:17:00,720 Speaker 1: been conceptualized by the Disney Prince's philosophy of living. Yeah, 333 00:17:00,760 --> 00:17:02,880 Speaker 1: I think, um, and I talked about this in the preface, 334 00:17:02,880 --> 00:17:06,120 Speaker 1: so I know that, Um, you know that the bread 335 00:17:06,200 --> 00:17:09,760 Speaker 1: winning rates are much different depending on UM. You know, 336 00:17:10,040 --> 00:17:13,720 Speaker 1: different races and different communities. So we know that for example, 337 00:17:14,119 --> 00:17:18,000 Speaker 1: you know, right now, overall we have had this paradigm 338 00:17:18,080 --> 00:17:20,400 Speaker 1: shift in the bread winning model. Overall, so in more 339 00:17:20,440 --> 00:17:23,480 Speaker 1: than forty percent of households with kids under eighteen overall, 340 00:17:23,760 --> 00:17:26,760 Speaker 1: women are now the main or soul bread winner. But 341 00:17:26,840 --> 00:17:29,239 Speaker 1: if you look at the Latina community, if you look 342 00:17:29,280 --> 00:17:31,159 Speaker 1: at the Black community, that has been the case for 343 00:17:31,200 --> 00:17:33,840 Speaker 1: a long time, UM and the numbers are even higher. 344 00:17:34,000 --> 00:17:36,159 Speaker 1: But what I'm really talking about in this book is 345 00:17:36,200 --> 00:17:38,639 Speaker 1: something that's a lot more universal, which is, you know, 346 00:17:38,720 --> 00:17:40,679 Speaker 1: even if you sort of expect, oh, I may end 347 00:17:40,760 --> 00:17:42,920 Speaker 1: up kind of taking care of myself and taking care 348 00:17:42,920 --> 00:17:45,560 Speaker 1: of my family, I don't feel like as a culture 349 00:17:45,640 --> 00:17:48,800 Speaker 1: we are setting women up for success in that role. 350 00:17:49,080 --> 00:17:51,520 Speaker 1: So it really doesn't matter where you come from. What 351 00:17:51,600 --> 00:17:53,240 Speaker 1: I tried to do in this book was take the 352 00:17:53,280 --> 00:17:55,960 Speaker 1: bread winning lens and apply it to every aspect of 353 00:17:56,000 --> 00:17:59,080 Speaker 1: your finances. So if you're really thinking like what do 354 00:17:59,359 --> 00:18:02,160 Speaker 1: I want in my life, and what are the choices 355 00:18:02,200 --> 00:18:04,439 Speaker 1: I need to make with my money and my career 356 00:18:04,560 --> 00:18:07,440 Speaker 1: or my job path to support that, and then applying 357 00:18:07,480 --> 00:18:10,960 Speaker 1: that lens everywhere, you really start to see there's such 358 00:18:11,440 --> 00:18:15,320 Speaker 1: a dichotomy between the messaging that we're getting as women 359 00:18:15,720 --> 00:18:18,040 Speaker 1: and what we really want to be doing if we 360 00:18:18,080 --> 00:18:20,480 Speaker 1: want to be able to truly support ourselves. And that's 361 00:18:20,520 --> 00:18:24,000 Speaker 1: everything from like credit, where we're being marketed this message 362 00:18:24,040 --> 00:18:25,840 Speaker 1: of like credit cards or a way to close the 363 00:18:25,880 --> 00:18:28,840 Speaker 1: gap between this life that we can afford and the 364 00:18:28,840 --> 00:18:31,119 Speaker 1: things that we want, and that's not really it at 365 00:18:31,119 --> 00:18:33,159 Speaker 1: all if you're looking at it as a bread runner 366 00:18:33,280 --> 00:18:35,800 Speaker 1: and in the fullest sense you're thinking, how do I 367 00:18:35,920 --> 00:18:38,880 Speaker 1: build my credit so that one day I can buy 368 00:18:38,920 --> 00:18:42,520 Speaker 1: a home? And you're using in that instance, you're leveraging 369 00:18:42,560 --> 00:18:46,080 Speaker 1: credit to build wealth, because most Americans have most of 370 00:18:46,119 --> 00:18:48,080 Speaker 1: their wealth tied up in their homes, and if you 371 00:18:48,119 --> 00:18:51,240 Speaker 1: can't buy a home, that really holds you back. So 372 00:18:51,359 --> 00:18:54,160 Speaker 1: that's what I'm talking about. It's thinking. It's like, it's 373 00:18:54,160 --> 00:18:58,200 Speaker 1: not just earning more, it's really thinking more expensively about 374 00:18:58,240 --> 00:19:01,560 Speaker 1: your capabilities and the possibility it is for your wife. Well, 375 00:19:01,560 --> 00:19:03,399 Speaker 1: you know the interesting thing about you, But first of 376 00:19:03,400 --> 00:19:06,760 Speaker 1: all you did there's a fantastic job of laying out 377 00:19:06,920 --> 00:19:09,040 Speaker 1: the blueprint of what you're trying to convey in this 378 00:19:09,400 --> 00:19:12,119 Speaker 1: and you do it very special with your interviews. And the 379 00:19:12,080 --> 00:19:13,760 Speaker 1: the reason I say it's very special with your interviews 380 00:19:13,760 --> 00:19:15,720 Speaker 1: because you interview people to give examples, because a lot 381 00:19:15,760 --> 00:19:17,840 Speaker 1: of people, when you read a book like this, they'll 382 00:19:17,880 --> 00:19:21,440 Speaker 1: say I can't relate or that's not me. Well, well, 383 00:19:21,480 --> 00:19:24,720 Speaker 1: well i'm sorry. She interview enough of you means that 384 00:19:24,800 --> 00:19:27,200 Speaker 1: I'm pretty sure you're gonna find yourself in this book. 385 00:19:27,480 --> 00:19:29,879 Speaker 1: Talk about that journey of finding the different people that 386 00:19:29,920 --> 00:19:32,240 Speaker 1: you interviewed for the book, and did they did, what 387 00:19:32,280 --> 00:19:34,879 Speaker 1: would their takeaway? Did they learn something from the interview 388 00:19:34,920 --> 00:19:37,080 Speaker 1: process that you brought to the table from there to 389 00:19:37,240 --> 00:19:39,440 Speaker 1: the through the interview process you brought to the table 390 00:19:39,480 --> 00:19:43,120 Speaker 1: for them. Sure, Um, well, I definitely learned something from 391 00:19:43,160 --> 00:19:45,359 Speaker 1: every single person I interviewed. And I interviewed over a 392 00:19:45,400 --> 00:19:49,160 Speaker 1: hundred women, and I intentionally try to find women from 393 00:19:49,160 --> 00:19:52,160 Speaker 1: a whole diverse range of backgrounds from all over the country, 394 00:19:52,280 --> 00:19:54,280 Speaker 1: in a lot of different fields, making a lot of 395 00:19:54,320 --> 00:19:57,000 Speaker 1: different incomes, so that we could be pretty representative. So 396 00:19:57,040 --> 00:19:59,719 Speaker 1: there are single parents, there are single women, there are 397 00:19:59,800 --> 00:20:05,600 Speaker 1: say insects, you know, heterosexual couples are really pretty wide range. Um, 398 00:20:05,640 --> 00:20:08,080 Speaker 1: and I learned a lot from them, I really did. 399 00:20:08,240 --> 00:20:11,920 Speaker 1: I learned a lot in every conversation. Um, And I 400 00:20:11,960 --> 00:20:14,480 Speaker 1: would like to think that it's it was mutual too, 401 00:20:14,640 --> 00:20:16,840 Speaker 1: because you know, I'd spend like anywhere from an hour 402 00:20:16,960 --> 00:20:19,520 Speaker 1: to five hours with each of them, and sometimes I'd 403 00:20:19,520 --> 00:20:21,480 Speaker 1: come back to them, like during the pandemic, I went 404 00:20:21,520 --> 00:20:23,320 Speaker 1: back to a lot of them to see how they 405 00:20:23,359 --> 00:20:25,960 Speaker 1: were doing, how things have changed, and really tried to 406 00:20:25,960 --> 00:20:29,440 Speaker 1: incorporate that in the book as well. Um. But yeah, 407 00:20:29,480 --> 00:20:31,679 Speaker 1: I think it's so important to have all these stories 408 00:20:31,720 --> 00:20:34,240 Speaker 1: because I can only speak from my own experience, right, 409 00:20:34,280 --> 00:20:37,480 Speaker 1: And look, I'm fortunate. I grew up in a middle class, 410 00:20:37,520 --> 00:20:40,920 Speaker 1: suburban household. My parents were professors. You know, I had 411 00:20:40,960 --> 00:20:42,919 Speaker 1: a lot of privilege growing up. And I wanted to 412 00:20:42,960 --> 00:20:45,000 Speaker 1: make sure that it wasn't just my story that drove 413 00:20:45,040 --> 00:20:47,560 Speaker 1: the book. I could talk about my own experiences, but 414 00:20:47,680 --> 00:20:49,439 Speaker 1: I really wanted to bring in a lot of different 415 00:20:49,440 --> 00:20:53,080 Speaker 1: perspectives too. Well. That was important because again, like you said, 416 00:20:53,440 --> 00:20:56,640 Speaker 1: you know my perspective, I'd come from inter city, six sisters, 417 00:20:56,680 --> 00:20:59,640 Speaker 1: two brothers, farmers, and trump driver momb did work. That's 418 00:20:59,640 --> 00:21:02,520 Speaker 1: a totally different experience. If I just wrote from that experience, 419 00:21:02,840 --> 00:21:06,359 Speaker 1: and I could be very very global in my approach. Well, 420 00:21:06,400 --> 00:21:08,159 Speaker 1: this is what you gotta do to be there. But 421 00:21:08,200 --> 00:21:09,959 Speaker 1: when you brought into the examples, and some of them 422 00:21:09,960 --> 00:21:14,080 Speaker 1: are very rememberable, I thought they interview when you the 423 00:21:14,200 --> 00:21:17,040 Speaker 1: lady who was married to the guy who didn't want kids, 424 00:21:17,640 --> 00:21:20,959 Speaker 1: and then she eventually left film and she had her kids. 425 00:21:21,119 --> 00:21:24,280 Speaker 1: And that type of independence is happening every day nowadays, 426 00:21:24,600 --> 00:21:27,040 Speaker 1: where if you try to do that the sixties seven day, 427 00:21:27,160 --> 00:21:29,399 Speaker 1: people would look down on you. But that level of 428 00:21:29,440 --> 00:21:33,040 Speaker 1: independence for women allowing them to do what you're asking 429 00:21:33,520 --> 00:21:36,400 Speaker 1: them to do in this book, to step forward, be yourself. 430 00:21:36,640 --> 00:21:39,399 Speaker 1: You can't be independent, and that's this is all about 431 00:21:39,640 --> 00:21:44,000 Speaker 1: being independent and not being dependent. Correct totally. And I 432 00:21:44,119 --> 00:21:45,720 Speaker 1: when I talked about my own story, one of the 433 00:21:45,720 --> 00:21:47,840 Speaker 1: reasons I think I was so fortunate is that as 434 00:21:47,880 --> 00:21:52,280 Speaker 1: I started interviewing women, I heard incredible stories. People really 435 00:21:52,280 --> 00:21:55,040 Speaker 1: opened up and they had suffered some really terrible things, 436 00:21:55,040 --> 00:21:57,760 Speaker 1: Like one woman had been in an abusive relationship and 437 00:21:57,760 --> 00:21:59,480 Speaker 1: didn't think she could afford to leave. That was a 438 00:21:59,520 --> 00:22:02,399 Speaker 1: true stul r. And I heard stories like that, or 439 00:22:02,440 --> 00:22:04,680 Speaker 1: I had stories of people who really wanted to have kids, 440 00:22:04,680 --> 00:22:06,800 Speaker 1: didn't find a partner, hadn't saved up the money, and 441 00:22:06,840 --> 00:22:08,639 Speaker 1: panicked and didn't think they could afford to have a 442 00:22:08,720 --> 00:22:10,919 Speaker 1: kid financially, and so they gave up something that was 443 00:22:10,960 --> 00:22:14,239 Speaker 1: incredibly important to them. So I think about, you know, 444 00:22:14,359 --> 00:22:17,159 Speaker 1: being stuck in a toxic environment, being stuck in an 445 00:22:17,160 --> 00:22:20,439 Speaker 1: abusive relationship, you know, having to feel like you have 446 00:22:20,560 --> 00:22:23,080 Speaker 1: to give up something that's so important to you because 447 00:22:23,160 --> 00:22:26,000 Speaker 1: you didn't financially plan for it, because you don't have savings, 448 00:22:26,040 --> 00:22:28,119 Speaker 1: because you were so dependent on your partner or your 449 00:22:28,160 --> 00:22:30,280 Speaker 1: paycheck that you feel like you have no choices. I 450 00:22:30,320 --> 00:22:33,800 Speaker 1: don't want any woman to be in that situation. I mean, 451 00:22:33,840 --> 00:22:36,840 Speaker 1: that's what really drives me because as I started doing 452 00:22:36,840 --> 00:22:40,159 Speaker 1: these interviews, I realized just how lucky I was that 453 00:22:40,280 --> 00:22:42,399 Speaker 1: I wasn't in that kind of a situation when I 454 00:22:42,400 --> 00:22:45,000 Speaker 1: have my wake up call. And now I looked back, 455 00:22:45,080 --> 00:22:46,919 Speaker 1: you know, I talked in the savings chapter about I 456 00:22:46,920 --> 00:22:48,879 Speaker 1: looked back at some of the experiences I've had in 457 00:22:48,920 --> 00:22:51,719 Speaker 1: my career. I mean, there I've had some serious sexual 458 00:22:51,760 --> 00:22:55,520 Speaker 1: harassment experiences early in my career, and I think I 459 00:22:55,600 --> 00:22:58,000 Speaker 1: put up with some things because I didn't have the savings. 460 00:22:58,000 --> 00:23:00,359 Speaker 1: And in other cases, I had the safety that my 461 00:23:00,400 --> 00:23:02,879 Speaker 1: parents or I had savings, and I didn't put up 462 00:23:02,880 --> 00:23:05,000 Speaker 1: with things like I was able to to walk out 463 00:23:05,040 --> 00:23:08,000 Speaker 1: of a job after a particularly bad incident because I 464 00:23:08,040 --> 00:23:10,240 Speaker 1: had my parents, because I had a little bit of savings. 465 00:23:10,280 --> 00:23:12,520 Speaker 1: Imagine if I hadn't, you know, And that's what I 466 00:23:12,600 --> 00:23:14,639 Speaker 1: started to think about. It is like, imagine if you 467 00:23:14,680 --> 00:23:17,439 Speaker 1: are so dependent on your paycheck or a partner that 468 00:23:17,560 --> 00:23:21,520 Speaker 1: you can't afford to leave. That is a terrible situation. 469 00:23:21,560 --> 00:23:23,959 Speaker 1: I don't want anyone to ever be in that situation. 470 00:23:24,320 --> 00:23:26,639 Speaker 1: So that's part of this book too, is really just like, 471 00:23:27,680 --> 00:23:30,480 Speaker 1: you know, preparing yourself not only to support the life 472 00:23:30,480 --> 00:23:32,840 Speaker 1: you want, but ensuring you're never stuck in a situation 473 00:23:32,840 --> 00:23:35,960 Speaker 1: that you don't want. Well, you know. More importantly, I'm 474 00:23:36,000 --> 00:23:38,720 Speaker 1: talking to Jennifer Barrett. She's the author of this wonderful book, 475 00:23:38,760 --> 00:23:41,280 Speaker 1: Think Like a Breadwinner, and it's an eye opening for 476 00:23:41,400 --> 00:23:43,440 Speaker 1: me as a male. It's a book just uh, just 477 00:23:43,600 --> 00:23:45,800 Speaker 1: geared toward women, a female point of view, a wake 478 00:23:45,920 --> 00:23:48,680 Speaker 1: up call for women to understand how they should game. 479 00:23:49,480 --> 00:23:52,800 Speaker 1: Let me just put this way, women in general, start 480 00:23:52,840 --> 00:23:55,720 Speaker 1: making your decisions for yourself. In other words, stop rolling 481 00:23:55,760 --> 00:23:58,000 Speaker 1: into what that you feel is. This is what I 482 00:23:58,080 --> 00:24:00,000 Speaker 1: supposed to do, This is the life I've been supposed 483 00:24:00,080 --> 00:24:02,320 Speaker 1: to be living and that's what this book does for me. 484 00:24:02,840 --> 00:24:04,280 Speaker 1: At the beginning of my show, I always talking about 485 00:24:04,320 --> 00:24:06,800 Speaker 1: leave with your gifts and don't let your age, friends, family, 486 00:24:06,840 --> 00:24:09,440 Speaker 1: or co workers stop you from planning to living your dreams. 487 00:24:09,440 --> 00:24:11,679 Speaker 1: And basically that's what this book is telling you. You know, 488 00:24:11,960 --> 00:24:14,320 Speaker 1: look in the mirror at yourself and be to be 489 00:24:14,400 --> 00:24:17,040 Speaker 1: dependent on yourself. And we talked about it off air, 490 00:24:17,080 --> 00:24:20,280 Speaker 1: but when you start talking about marriages, you said, Rishan, 491 00:24:20,560 --> 00:24:22,280 Speaker 1: I'm gonna just say she talked to me like this, Rashan, 492 00:24:22,280 --> 00:24:23,520 Speaker 1: because I read it from the book. I felt like 493 00:24:23,560 --> 00:24:25,679 Speaker 1: she was talking to me. Y'all. Okay, she said, Roshan, 494 00:24:26,119 --> 00:24:28,720 Speaker 1: fifty percent of the people get married and they know 495 00:24:28,880 --> 00:24:31,320 Speaker 1: it isn't the divorce, but they don't care. They don't 496 00:24:31,320 --> 00:24:33,920 Speaker 1: they don't they don't plan for the possibilities that it 497 00:24:34,040 --> 00:24:36,320 Speaker 1: might end in the divorce. If you were giving that 498 00:24:36,480 --> 00:24:39,800 Speaker 1: number fifty on anything that you do in the daily life, 499 00:24:39,920 --> 00:24:42,080 Speaker 1: if you were heard it was fIF percent chance of rain, 500 00:24:42,440 --> 00:24:44,480 Speaker 1: you will probably take an umbrella. If you heard the 501 00:24:44,720 --> 00:24:47,639 Speaker 1: temperature we're gonna dropt, chance we're gonna drop on the 502 00:24:47,640 --> 00:24:49,600 Speaker 1: fart of degree, you would take a coat. But when 503 00:24:49,640 --> 00:24:53,040 Speaker 1: it comes to marriage, we have such a naive approach 504 00:24:53,119 --> 00:24:55,520 Speaker 1: to it, like won't happen to me, and when it 505 00:24:55,600 --> 00:24:59,160 Speaker 1: does happen, there's no preparations. So with that being said, 506 00:24:59,359 --> 00:25:03,560 Speaker 1: how does one shift from the from the person who's 507 00:25:03,640 --> 00:25:06,119 Speaker 1: being taken care of to the bread winner? How do 508 00:25:06,359 --> 00:25:09,119 Speaker 1: how do they make that shift? Yeah? I mean I 509 00:25:09,119 --> 00:25:11,840 Speaker 1: think it starts with looking at your income and being 510 00:25:11,920 --> 00:25:14,639 Speaker 1: very realistic about is the income I'm earning supporting the 511 00:25:14,680 --> 00:25:17,000 Speaker 1: life that I want? And then and I know this 512 00:25:17,080 --> 00:25:19,439 Speaker 1: is really hard, and because I've interviewed people and so 513 00:25:19,480 --> 00:25:21,720 Speaker 1: many of our Acorns users are in this position too, 514 00:25:21,760 --> 00:25:23,960 Speaker 1: because a lot of people feel like they're living paycheck 515 00:25:24,000 --> 00:25:25,760 Speaker 1: to paycheck and I certainly did when I have my 516 00:25:25,760 --> 00:25:28,080 Speaker 1: wake up haul and we're thinking we don't have any 517 00:25:28,080 --> 00:25:30,760 Speaker 1: money to save or invest, like we're barely getting by. 518 00:25:30,800 --> 00:25:32,600 Speaker 1: But if you don't need to put a lot of 519 00:25:32,640 --> 00:25:35,159 Speaker 1: money aside, it's just so important to get into the 520 00:25:35,240 --> 00:25:39,240 Speaker 1: habit of using your paycheck, using each paycheck to be 521 00:25:39,359 --> 00:25:42,360 Speaker 1: less dependent on your next paycheck. And what I mean 522 00:25:42,400 --> 00:25:45,600 Speaker 1: by that is using anything you can from that paycheck 523 00:25:45,720 --> 00:25:48,840 Speaker 1: you get to put into savings, high yield savings to 524 00:25:48,960 --> 00:25:52,000 Speaker 1: put into the stock market and bonds and start investing 525 00:25:52,040 --> 00:25:54,200 Speaker 1: that money so it can grow for you. Because that's 526 00:25:54,240 --> 00:25:56,800 Speaker 1: how you break the chain, right, That's how you break 527 00:25:56,800 --> 00:25:59,240 Speaker 1: your dependence on every single paycheck, how you break the 528 00:25:59,280 --> 00:26:02,639 Speaker 1: paycheck to pay check cycle, how you build real wealth. 529 00:26:02,880 --> 00:26:04,879 Speaker 1: When I'm talking about wealth, I think we have this 530 00:26:05,040 --> 00:26:07,880 Speaker 1: notion of wealth as being like, I don't know, make 531 00:26:07,920 --> 00:26:10,080 Speaker 1: mansions and yachts and all these things. I'm not talking 532 00:26:10,119 --> 00:26:13,040 Speaker 1: about that. I'm talking about having enough money growing in 533 00:26:13,080 --> 00:26:15,840 Speaker 1: the background of your life by investing it, that you 534 00:26:15,960 --> 00:26:18,240 Speaker 1: have the money to make choices in your life, that 535 00:26:18,320 --> 00:26:20,720 Speaker 1: you have the money to you know, to go back 536 00:26:20,760 --> 00:26:22,359 Speaker 1: to school if you want to go to school, if 537 00:26:22,400 --> 00:26:24,080 Speaker 1: you want, you have the money to start a business, 538 00:26:24,080 --> 00:26:26,000 Speaker 1: if you want to you have the money to travel, 539 00:26:26,119 --> 00:26:28,159 Speaker 1: to buy a home. All of these things. You know, 540 00:26:28,520 --> 00:26:31,320 Speaker 1: they require more than you're usually making in a paycheck, 541 00:26:31,359 --> 00:26:33,639 Speaker 1: and so it's so important to get into that happened. 542 00:26:33,720 --> 00:26:36,960 Speaker 1: I don't think women, especially we are we are not 543 00:26:37,800 --> 00:26:40,760 Speaker 1: encouraged to be wealth builders. We are not encouraged to 544 00:26:40,760 --> 00:26:43,160 Speaker 1: say I want to make money, earn money, I want 545 00:26:43,160 --> 00:26:44,639 Speaker 1: to make a lot of money. You know, we are 546 00:26:44,680 --> 00:26:47,360 Speaker 1: not encouraged to think that way. Or even to consider 547 00:26:47,440 --> 00:26:51,080 Speaker 1: that we're good investors when the research actually shows that 548 00:26:51,119 --> 00:26:54,920 Speaker 1: we're better investors than then often we get good returns, 549 00:26:55,280 --> 00:26:57,399 Speaker 1: So that it starts with that, and then it starts 550 00:26:57,480 --> 00:26:59,159 Speaker 1: you know, obviously you don't want credit card debt. You 551 00:26:59,200 --> 00:27:01,640 Speaker 1: want to be building your credit um you know all 552 00:27:01,640 --> 00:27:03,439 Speaker 1: of these things, and you want to be really thinking 553 00:27:03,440 --> 00:27:06,959 Speaker 1: strategically about your job path or your career so that 554 00:27:07,000 --> 00:27:09,000 Speaker 1: it's not just what am I making now, but what 555 00:27:09,040 --> 00:27:10,879 Speaker 1: am I going to make next year, five years from now? 556 00:27:10,920 --> 00:27:13,560 Speaker 1: How do I take the steps now to set myself up, 557 00:27:13,960 --> 00:27:16,200 Speaker 1: you know, to earn more. I remember listening to Ashcash 558 00:27:16,280 --> 00:27:18,320 Speaker 1: talking about he was a bank teller and already had 559 00:27:18,400 --> 00:27:21,080 Speaker 1: dreams of being, you know, a bank manager, of moving 560 00:27:21,080 --> 00:27:23,600 Speaker 1: into an executive role. He was thinking three steps ahead. 561 00:27:23,600 --> 00:27:25,199 Speaker 1: And that's how you have to think. Is am I 562 00:27:25,240 --> 00:27:27,200 Speaker 1: doing the things right now that are going to set 563 00:27:27,200 --> 00:27:29,240 Speaker 1: me up so that I have the role I want 564 00:27:29,240 --> 00:27:31,800 Speaker 1: to have in two years, five years down the road? Well, 565 00:27:31,800 --> 00:27:33,560 Speaker 1: you know, you have to think. If you don't think 566 00:27:33,600 --> 00:27:36,199 Speaker 1: about the future, and we have a general tendency to 567 00:27:36,240 --> 00:27:39,159 Speaker 1: think every thirty days, so paycheck to paycheck, and if 568 00:27:39,200 --> 00:27:41,560 Speaker 1: you think like that, you really don't see to put 569 00:27:41,600 --> 00:27:43,840 Speaker 1: you a pitfall that can happen. And I think that 570 00:27:44,040 --> 00:27:46,320 Speaker 1: in the beginning of the books when you you kind 571 00:27:46,320 --> 00:27:48,440 Speaker 1: of like paycheck paycheck and one day you just woke 572 00:27:48,520 --> 00:27:50,359 Speaker 1: up and I was thinking like that, right, welcome, you 573 00:27:50,400 --> 00:27:52,520 Speaker 1: know something just paycheck to paycheck is not gonna work 574 00:27:52,520 --> 00:27:55,280 Speaker 1: out because uh, we don't one bed room and I'm 575 00:27:55,320 --> 00:27:58,080 Speaker 1: looking at my baby and my baby growing paycheck to paycheck. 576 00:27:58,400 --> 00:28:01,159 Speaker 1: And so that that awakening, it made you move forward. 577 00:28:01,440 --> 00:28:04,040 Speaker 1: With that being said, you know, we have so many barriers. 578 00:28:04,080 --> 00:28:06,919 Speaker 1: You know, when we think about athletics for women, and 579 00:28:07,119 --> 00:28:11,560 Speaker 1: there's a there's a title line, have women have equal 580 00:28:11,680 --> 00:28:15,080 Speaker 1: sports participation in colleges? And right now we hear about 581 00:28:15,119 --> 00:28:19,240 Speaker 1: situations and soccer trying to tennis and professional sports. But 582 00:28:19,320 --> 00:28:22,320 Speaker 1: when it comes to academics and I'm talking about the 583 00:28:22,320 --> 00:28:26,960 Speaker 1: the learned world executives, we know there's a shoulderness the philosophy. 584 00:28:27,000 --> 00:28:31,320 Speaker 1: They're stopping women from getting equal paid And so that, 585 00:28:31,560 --> 00:28:34,439 Speaker 1: like you said, you using some uncomfortable situations where you 586 00:28:34,440 --> 00:28:36,560 Speaker 1: have to leave, and when you think back on certain situations, 587 00:28:36,560 --> 00:28:38,880 Speaker 1: you took some stuff that you probably shouldn't have taken 588 00:28:39,280 --> 00:28:43,000 Speaker 1: in job environments, how would that being said, I know 589 00:28:43,080 --> 00:28:45,200 Speaker 1: it's not gonna happen overnight, and I'm not trying to 590 00:28:45,240 --> 00:28:47,560 Speaker 1: get you to go there even this conversation, but this 591 00:28:47,600 --> 00:28:49,640 Speaker 1: book allows me to at least open up the eyes 592 00:28:49,680 --> 00:28:53,600 Speaker 1: for the reader to say, hey, start thinking about the possibilities, 593 00:28:53,920 --> 00:28:56,920 Speaker 1: and that really is the basis of this book, the possibilities, 594 00:28:57,120 --> 00:29:01,800 Speaker 1: and shape those possibilities into opportunities that opportunities turned into goals. 595 00:29:02,160 --> 00:29:04,080 Speaker 1: Is that a right strategy I'm putting in place about 596 00:29:04,080 --> 00:29:07,400 Speaker 1: your book? It starts with having a vision for what 597 00:29:07,520 --> 00:29:10,320 Speaker 1: you want in your future and then thinking about what 598 00:29:10,400 --> 00:29:12,800 Speaker 1: you can do to get there, um and planning that 599 00:29:12,880 --> 00:29:14,720 Speaker 1: strategy and taking it step by step. You know, it 600 00:29:14,720 --> 00:29:16,480 Speaker 1: took me a few years to get on the right track, 601 00:29:16,520 --> 00:29:19,000 Speaker 1: but that's you know that It starts with asking yourself 602 00:29:19,040 --> 00:29:21,000 Speaker 1: what do I want in my life? Not what can 603 00:29:21,040 --> 00:29:23,200 Speaker 1: I forward right now in my life? Not what do 604 00:29:23,280 --> 00:29:25,840 Speaker 1: other people expect from me in my life? What do 605 00:29:26,200 --> 00:29:28,560 Speaker 1: I want in my life? And how can I make 606 00:29:28,600 --> 00:29:31,360 Speaker 1: it happen? And that gives you such a sense of 607 00:29:31,400 --> 00:29:33,920 Speaker 1: agency when you start taking the steps to make it happen. 608 00:29:34,160 --> 00:29:35,880 Speaker 1: And the other, you know, the other thing that you 609 00:29:36,040 --> 00:29:39,960 Speaker 1: pointed out is that look, if we look at the numbers. 610 00:29:40,640 --> 00:29:43,920 Speaker 1: Women are lagging men on every financial measure right now. 611 00:29:43,960 --> 00:29:47,240 Speaker 1: So if you just do the status quo, like, if 612 00:29:47,320 --> 00:29:49,600 Speaker 1: you just fall into that, that's where you're going to 613 00:29:49,760 --> 00:29:52,680 Speaker 1: end up. So you have to actually stop and say no, wait, 614 00:29:52,720 --> 00:29:54,440 Speaker 1: that is not how I wanted to go for me. 615 00:29:54,480 --> 00:29:56,680 Speaker 1: I don't want to get paid less than the guy 616 00:29:56,720 --> 00:29:58,840 Speaker 1: down the hall. I don't want that. I don't want 617 00:29:58,880 --> 00:30:01,320 Speaker 1: to be passed over for promotion. You know, these are 618 00:30:01,440 --> 00:30:04,440 Speaker 1: very real barriers, and so it's important for us to 619 00:30:04,480 --> 00:30:07,120 Speaker 1: be aware of them, but then also think about, Okay, 620 00:30:07,280 --> 00:30:09,160 Speaker 1: what am I going to do so I get that promotion. So, 621 00:30:09,200 --> 00:30:12,000 Speaker 1: for example, we know there's research out there that shows 622 00:30:12,000 --> 00:30:13,880 Speaker 1: that women are more likely to pick up what's called 623 00:30:13,920 --> 00:30:17,200 Speaker 1: office housework or nonpromotable work. We're the ones like organizing 624 00:30:17,240 --> 00:30:19,440 Speaker 1: the meetings, are cleaning the conference room or whatever it is, 625 00:30:19,680 --> 00:30:22,440 Speaker 1: and that people are more likely to ask women to 626 00:30:22,560 --> 00:30:25,240 Speaker 1: do that. That doesn't mean we need to say yes, 627 00:30:25,760 --> 00:30:28,320 Speaker 1: you know, we can be nice about it, but we 628 00:30:28,360 --> 00:30:30,480 Speaker 1: don't need to fall into some of these traps. And 629 00:30:30,520 --> 00:30:32,520 Speaker 1: I think the first step there is awareness, Like if 630 00:30:32,560 --> 00:30:35,520 Speaker 1: you are aware that this is happening and you say no, 631 00:30:35,600 --> 00:30:37,560 Speaker 1: wait a second I don't want this to happen to me. 632 00:30:38,240 --> 00:30:40,080 Speaker 1: Then the question is, Okay, what steps are you going 633 00:30:40,160 --> 00:30:43,080 Speaker 1: to take so that that doesn't happen to you? Because 634 00:30:43,120 --> 00:30:45,160 Speaker 1: you want your life to go on a different trajectory. 635 00:30:45,200 --> 00:30:47,120 Speaker 1: And I'm sitting here twelve years later telling you that 636 00:30:47,240 --> 00:30:50,320 Speaker 1: is entirely possible. You know, I'm not saying it's always easy, 637 00:30:50,560 --> 00:30:52,760 Speaker 1: but it is entirely possible to say like mm hmm, 638 00:30:53,320 --> 00:30:55,040 Speaker 1: Now this is not me. I don't want to be 639 00:30:55,080 --> 00:30:57,520 Speaker 1: making you know, eighteen cents less or more, you know, 640 00:30:57,960 --> 00:31:00,240 Speaker 1: than than the white man down the wall. It's just 641 00:31:00,400 --> 00:31:03,320 Speaker 1: not going to make you know um. But then you 642 00:31:03,360 --> 00:31:04,520 Speaker 1: have to be aware of that, and then you have 643 00:31:04,560 --> 00:31:06,000 Speaker 1: to think about, Okay, what do I need to do 644 00:31:06,280 --> 00:31:08,080 Speaker 1: to make sure I get that promotion? Art I'm gonna 645 00:31:08,200 --> 00:31:10,480 Speaker 1: track every single thing I'm doing for this company and 646 00:31:10,520 --> 00:31:12,560 Speaker 1: look at how it's supporting this company. When I come 647 00:31:12,600 --> 00:31:14,520 Speaker 1: in there and ask for that promotion or that raise, 648 00:31:14,680 --> 00:31:17,720 Speaker 1: I'm gonna have numbers because numbers don't lie. It takes 649 00:31:17,720 --> 00:31:19,960 Speaker 1: the emotion out of it. It's really hard to argue 650 00:31:20,000 --> 00:31:22,400 Speaker 1: with numbers. So a lot of this is the approach. 651 00:31:22,680 --> 00:31:24,680 Speaker 1: You know, I wanted to say this, you know, we're 652 00:31:24,680 --> 00:31:27,400 Speaker 1: in that era, you hit that term council culture, and 653 00:31:27,760 --> 00:31:30,960 Speaker 1: because so many people are finally speaking up, finally saying, look, 654 00:31:31,320 --> 00:31:34,440 Speaker 1: I deserve to be recognize for my work, for my pain, 655 00:31:34,960 --> 00:31:37,000 Speaker 1: and I don't want this book to become a victim 656 00:31:37,040 --> 00:31:39,720 Speaker 1: of that thought process of counseling gold Oh women, it 657 00:31:39,800 --> 00:31:42,000 Speaker 1: should be satisfied should they should be happy being at home, 658 00:31:42,000 --> 00:31:44,320 Speaker 1: They should be happy taken care of. Because your book 659 00:31:44,360 --> 00:31:46,440 Speaker 1: is brilliant. I'm just gonna be honest with you. I've 660 00:31:46,440 --> 00:31:48,800 Speaker 1: read it and I started reading the game because if 661 00:31:48,800 --> 00:31:51,000 Speaker 1: we missed our first interview, and I was just so 662 00:31:51,080 --> 00:31:54,600 Speaker 1: moved by the you know, do not wait till your 663 00:31:54,640 --> 00:31:56,959 Speaker 1: mid thirties. That's a theme in this book. In the 664 00:31:57,000 --> 00:31:59,960 Speaker 1: mid thirties, these women are starting to wake up, way 665 00:32:00,080 --> 00:32:02,560 Speaker 1: up at eighteen, wake up at sixteen, wake up at 666 00:32:02,560 --> 00:32:05,160 Speaker 1: twenty one, don't wake up in the mid thirties. And 667 00:32:05,200 --> 00:32:07,080 Speaker 1: then you then that's what happens. You get in that 668 00:32:07,160 --> 00:32:10,680 Speaker 1: trap because age starts to come in. You go, can 669 00:32:10,720 --> 00:32:13,560 Speaker 1: I make up? Can I pivot? And sometimes people don't 670 00:32:13,560 --> 00:32:15,160 Speaker 1: care if you can't pivot, They're gonna pieve it for 671 00:32:15,240 --> 00:32:17,600 Speaker 1: you and kick you to the curb. And so That's 672 00:32:17,640 --> 00:32:19,920 Speaker 1: the wonder of this book is that don't let age 673 00:32:19,960 --> 00:32:22,760 Speaker 1: stop you, don't let allow yourself to wait too late. 674 00:32:23,040 --> 00:32:26,080 Speaker 1: But more importantly, read books like this and it will 675 00:32:26,080 --> 00:32:28,600 Speaker 1: focus you early. Give it to your daughter a lot 676 00:32:28,680 --> 00:32:30,719 Speaker 1: hard to have a sense that she can be independent. 677 00:32:30,960 --> 00:32:32,920 Speaker 1: It's all ready to have a freedom thought. It's all 678 00:32:32,920 --> 00:32:35,600 Speaker 1: ready to think about themselves. It's already to focus about, 679 00:32:35,640 --> 00:32:40,040 Speaker 1: focus on financially and defend in financially Independent. Wonderful book, Jennifer. 680 00:32:40,040 --> 00:32:42,120 Speaker 1: I really glad we was able to pull this interview 681 00:32:42,160 --> 00:32:45,680 Speaker 1: off because you are amazing. Thank you, Thank you so much. 682 00:32:45,800 --> 00:32:49,360 Speaker 1: I appreciate that it's such a good SI good. I'm 683 00:32:49,400 --> 00:32:51,320 Speaker 1: glad because I had a good time reading you. Maybe 684 00:32:51,360 --> 00:32:53,560 Speaker 1: smile and I hopefully I made you smile just thinking 685 00:32:53,560 --> 00:32:55,719 Speaker 1: about some of the fun parts of the book. But again, 686 00:32:55,840 --> 00:32:58,160 Speaker 1: thank you for coming on Money Making Conversations. All right, 687 00:32:58,240 --> 00:33:00,360 Speaker 1: thank you. If you want to hear more of views, 688 00:33:00,400 --> 00:33:02,840 Speaker 1: all seaboard interviews of money making Conversations, please go to 689 00:33:02,840 --> 00:33:05,760 Speaker 1: mindy Making Conversation dot com. I'm with Sean McDonald. I 690 00:33:05,800 --> 00:33:20,080 Speaker 1: am your host. Please Bud in this season of giving 691 00:33:20,240 --> 00:33:23,040 Speaker 1: Coals has gifts for all your loved ones, for those 692 00:33:23,080 --> 00:33:26,520 Speaker 1: who like to keep it cozy, find fleeces, sweaters, loungeware, 693 00:33:26,560 --> 00:33:30,400 Speaker 1: blankets and throws, or support minority owned or founded brands 694 00:33:30,480 --> 00:33:33,960 Speaker 1: by giving gifts from Human Nation and Shame Moisture and 695 00:33:34,200 --> 00:33:37,360 Speaker 1: in the spirit of giving, Coals Cares is donating eight 696 00:33:37,480 --> 00:33:41,480 Speaker 1: million dollars to local nonprofits nationwide. Give with all your 697 00:33:41,480 --> 00:33:44,400 Speaker 1: heart this season with great gifts from Coals or Coals 698 00:33:44,440 --> 00:33:47,960 Speaker 1: dot Com. Noon Weight used the psychology to help people 699 00:33:48,000 --> 00:33:51,920 Speaker 1: everywhere learn about their eating habits. Eating is my love language. Yep, 700 00:33:52,080 --> 00:33:55,320 Speaker 1: sure as I say yes to seconds out of guilt, 701 00:33:55,600 --> 00:33:58,720 Speaker 1: it's hard to say no to Aunt Jenny's banana pudding. Wait, 702 00:33:59,200 --> 00:34:03,880 Speaker 1: do what? Oh fog? Eating happens to everybody. We know 703 00:34:04,440 --> 00:34:06,400 Speaker 1: it can be a lot to take in, but with 704 00:34:06,440 --> 00:34:09,000 Speaker 1: the help of noon Weight, you'll learn the psychology behind 705 00:34:09,040 --> 00:34:12,080 Speaker 1: your eating habits, how to change them, and get closer 706 00:34:12,080 --> 00:34:14,719 Speaker 1: to reaching you weight laws goals. Sign up at noon 707 00:34:14,800 --> 00:34:19,000 Speaker 1: dot com. The Black Effect Presents features honest conversations and 708 00:34:19,040 --> 00:34:23,160 Speaker 1: exclusive interviews, a space for artists, everyday people and listeners 709 00:34:23,360 --> 00:34:28,040 Speaker 1: to amplify, elevate, and empower black voices with great conversations. 710 00:34:28,719 --> 00:34:31,239 Speaker 1: Make sure to listen to The Black Effect Presents podcast 711 00:34:31,480 --> 00:34:34,640 Speaker 1: on I Heart Radio, Apple Podcasts, or wherever you get 712 00:34:34,680 --> 00:34:35,400 Speaker 1: your podcasts.