0:37

real

0:44

tangible results based on neural plasticity

0:46

psychology at the genetics an

0:49

energetic

0:50

going to normalize the practice of

0:52

manifestation and empower

0:54

you get into the driver's seat of your life

0:57

in order to manifest experiences

0:59

relationships and things that most

1:01

the line with here authenticity

1:04

part of our manifestation process and tells

1:06

expanding past to limiting subconscious

1:09

believe therefore

1:11

by tuning into this podcast with

1:13

interviews from experts thought leaders

1:16

spiritual teachers scientists

1:18

and those with the neural manifestation

1:20

success stories you're starting

1:22

the process of expanding your subconscious

1:25

in order to see to believe anything

1:28

you desire

1:39

the vm community it's amanda

1:41

blair and i'm here to share

1:44

a tip for your manifestation

1:46

practice

1:47

their app is all about learning

1:50

what it feels like to feel

1:52

your intuition versus

1:54

fear it's really important

1:56

for us understand the difference between the two

1:59

because we can get confused

2:01

on what is leading us and

2:03

we wanna be sore were able to tune in

2:05

so we can find with aligned this

2:07

is very easy is didn't create as i read

2:09

it in it book and i cannot remember

2:12

the name of but i love it it's

2:14

simple and powerful this

2:16

exercise you close your eyes he'll take

2:18

three deeper and , when you're

2:20

ready you'll imagine something

2:22

you love something that you love

2:24

a lot that you feel passionately for

2:27

when i do this i imagine pizza i

2:29

love pizza i have a ring that has teeth

2:32

on it must imagine

2:34

that thing imagine that mind and then you're going to say

2:36

to yourself three times i

2:38

love playing what do you

2:40

feel when you say you love

2:42

the thing that you love and where

2:44

do you feel it's remember that now

2:48

clear that image of what you love from your mind

2:50

and you're going to imagine something that you

2:52

very much dislike like heat

2:55

just grosses you out there if

2:57

i was doing this it would be coffee he the

2:59

tape can't stand it now i

3:01

want you to and vision that thing that thing mind

3:03

and save yourself i love

3:06

the thing that you hate what do

3:08

you feel when you tell yourself ally

3:11

and weird you feel it calling

3:13

yourself the thing you love going

3:16

to show you what intuition alignment

3:18

feels like a , is

3:20

going to show you what fear and

3:23

lying to yourself feels like when

3:25

you get out of that open your

3:27

eyes journal down what you felt

3:30

and where you felt it and keep that in your

3:32

manifestation journal for checking back

3:34

and when you're facing some things that

3:36

you're unsure of which

3:38

in is guiding you

3:40

now if you are wanting

3:42

more help in figuring out

3:44

what is a line for you are moving forward

3:46

in relationships or work

3:49

or friends anything

3:52

really i'm your girl we have

3:54

a coating cel going on hundred dollars

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off with the code summer one

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hundred all cap the code summer

4:01

at one hundred four hundred

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dollars off all coaching sessions

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you can book as many as you want and out

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for three months for fussy soon

4:10

and the great to hear coming

4:22

welcome back everyone to another episode

4:24

of expanded cesc a here we

4:27

have the highly anticipated part

4:29

to from the how

4:31

to create financial freedom

4:33

episode so if you haven't

4:35

listened part wine we really delve into

4:38

finding your authentic money code

4:40

at the importance of known what

4:43

lights us up and what we want to be

4:45

spending our money on so we have a navigation

4:47

system of what things are we sending

4:49

money on an ego or that are aligned

4:52

how to take inventory of you're spending

4:54

and see where am i the out of alignment and

4:57

then some really practical tips

4:59

about setting yourself up for

5:01

financial success in this episode

5:03

really pull back with her and lazy

5:06

shared all the details about how

5:08

she went on to create her

5:10

or henpeck abundant life

5:13

and some very specific heads in

5:15

there we also have on

5:17

greece's mom melissa as it has a financial

5:19

advisor she works at blakely harbor

5:21

advisors and is an investment adviser

5:24

in florida and she gives us

5:26

some quick tips about people who are just

5:28

starting out in the markets where they can go where

5:30

they can look and breaking that all down

5:32

one know i just wanna meet

5:34

before we jump into this episode

5:37

because this is all your practical

5:39

nitty gritty invest in an

5:41

heard like setting up your financial

5:43

the can and foundation for

5:47

jumping into that i always highly

5:49

recommend taking a peak back

5:51

at what block the may be in the way

5:53

this is gonna be or expansion to see

5:56

what's possible to learn what's possible

5:58

different ways that people now the game

5:59

their finances where

6:02

i really want you to star and nice

6:05

is looking out what wasted

6:07

money play a role growing

6:09

up again are unlocked money courses

6:11

so so good in that especially the childhood

6:14

and money sections and

6:16

i would really recommend looking

6:18

through some of the block that made from a if

6:21

it's scarcity because you fell

6:23

as a child that when you didn't have

6:25

money the rug was pulled out from underneath

6:27

you and you always needed more

6:29

of it for security that can put you potentially

6:31

no luck mindset start to look

6:34

at the ways that you can feel safe

6:36

now give yourself the feeling of safety

6:38

now and unblock you can use

6:40

on blocking challenge which is still available

6:42

in the past place you can work through any

6:44

of the d i c there's or

6:46

perhaps maybe you find that what

6:49

you really craved with freedom

6:51

to spend on whatever you want him whenever you

6:53

wanted and having to go in

6:55

and check in with someone about

6:57

your spending foul really

7:00

say fully understand

7:02

why you're being a boy it with your finances

7:04

why does it feel so constricting to

7:06

look at and so to unblock the emotions behind

7:09

that because then when you take action

7:11

from that space it can be super

7:13

super allied or got a lot

7:15

of questions that hide move through that mentality

7:17

and mentality was exactly that it's

7:19

looking at those pieces that by that the

7:22

coin box dealing with the emotions of the

7:24

inner child of what they were nests and

7:26

then it seen action in real time it's

7:29

showing myself okay my body

7:31

feels like it's unsafe to spend

7:33

money outside of my budget on this occasion

7:35

let's say but i know

7:38

that i m c i can give myself

7:40

that inert healings know that i'm safe

7:42

and then i'm can book then the kitchen and then walla

7:44

then actually see if everything's good the

7:46

money's gone i don't feel stressed

7:48

about i i didn't have the rug pulled out from under

7:51

me i'm all good and so it's like

7:53

creating that trust muscle with yourself

7:55

and see him on the opposite side if you're avoiding finances

7:58

look at it once avoiding month

7:59

would it be obliged know that you can

8:02

say no to that eight and that really isn't

8:04

aligned with your authentic money code you

8:06

may be just using for see the

8:08

and are now mean can purchase thanks

8:11

see how that feels try a different decision

8:14

that's really how you unblock and expand

8:16

and take a line auction out of

8:19

whatever limits

8:20

in you're feeling that

8:22

the hopefully that's helpful and just a reminder

8:24

again this episode is for

8:27

entertainment purposes only we are

8:29

not financial advisors we

8:31

are not financial experts who you're certainly not

8:33

your financial experts and even though we

8:35

do have one financial expert that it going

8:37

to be featured on the podcast she's

8:40

not your unique financial adviser

8:43

and since everyone situation with

8:45

money is very different and we highly recommend

8:47

you do your research before me

8:57

and now over from our partners

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mostly

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books at night before bed and it was really really

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light headed people do this back and you

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reading

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it's really special to

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that's because you can see her even yawning

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and tired a severance honey to

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have this protection obviously we don't you screens with

11:01

her at all

11:01

the she's not seeing any type

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of blue light and

11:04

koreans most of the things and

11:06

her life her mitigate and it's really

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really wonderful to watch that she is

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a complete circadian rhythm babies

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she wakes up with the sunrise and she

11:16

goes to sleep at the sunset

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which in the summer it's like and i also

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think but it's such a testament

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to her internal circadian rhythms

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being so incredibly

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on point and i really

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really love watching when we're reading at

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night her

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the old bucks we do three little bucks every single

11:34

night while we nurse before she goes to

11:36

the

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we need i clipped this on the little

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bug and you can just see her yawning and

11:40

getting tired it's not interfering with

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her natural melatonin

11:45

uptake and then

11:46

the creeps really peacefully and beautifully through the night

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so this is just my hot tip for parents out

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there who are

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the read at night who are really

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wanting to mitigate the blue light in their home

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that their child or children are receiving be

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unjust yourself

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the really provide that beautiful

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central obviously we only have control within

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her watch that

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and then also have in that deep deep

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rest with their natural melatonin

12:18

cycle so that their body can cleanse

12:20

and repair as it's meant to do an evening

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so this is just my really favorite

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thing i like to share with other parents

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out there it's the blue light blocking

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right onto any little book sure reading with sam

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and of course as there needing some sort

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of a night lights or a lamp

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by their bad that i am all about

12:40

the blue light blocking a lamp

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to be on their bedside which is

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a touch base lamp so it's

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indeed had he actually knows how to do it in place

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get ahead as hard as our household

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this last season i don't know if it's because

13:22

i have a new baby and it's their new immune

13:24

system there would not be a time

13:27

that one of us and the house where to catch

13:29

a cold and then it would knock everybody

13:32

else out like dominoes and all the

13:34

way down to r co care person who i

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think we're sick once a month for five

13:39

months straight and when you have

13:41

a business and a baby

13:43

it means everything to stops

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and it was totally insane and the only

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things that helped us

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recover quickly or helps

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prevent it if on the two times

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i personally didn't get

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it was this regime

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a minute how it here so and he

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that we would make every single time in our household

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is a huge steeping pots

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the clocks and of ginger and

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one that made we would then put it

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in a jar and we

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would put a spoonful of the be

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powered superfood honey in it

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which again is so powerful because

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has the pro police the royal jelly and

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the bee pollen so it's just

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literally a medical grade and

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me in supporting super honey

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as a or call it with any accidents in

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so many minerals along

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with them lemon

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in one things would turn into a costs as they

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did again if i wasn't sleeping and would obviously

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continue i would do

14:40

the be better cough syrup

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especially the night and support with huge because

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that's when it would come up

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the you know sort of their take on it

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the more out perfect night

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cold stuff a lot of us probably

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took growing up because it has

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that melatonin support and

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for restful

14:58

deep sleep that's the only way we can all really recover

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right as that dame de presse plus

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the properly is plus the out there bury

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it was so soothing for daytime

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support they have the be better cough syrup

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which is with chocolate so that's an immune booster

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on top of the propolis and elderberry

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that was our medicine cabinet

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beyond that would i do every single day as

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i take a spoonful of their be field

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bee pollen and i put it on

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top of whatever snack and having may

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be coconut yogurt or

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a piece of toast upset my

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almond butter on along

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with

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a tablespoon at the be field de

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paul and what i love about their bee pollen i talked

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about it so much i use it daily and

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don't take a multi vitamin that

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my multi vitamin every day is

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once you understand your scented money could

16:53

you can have a sack what's coming

16:55

in each month what's going out were spinning

16:57

are the places you can cut back either places

16:59

that you i spend more and

17:02

because it lets you up knowing he jokes

17:04

after assessing all of that for the next

17:06

event you financially and

17:08

then we have a take care for melissa added

17:11

who have that legally harbor advisors

17:13

as an investment and by their in florida

17:15

who will help give a speech nitty gritty

17:17

on what type of accounts and things

17:19

look for and had up on you are starting

17:22

up

17:26

that number one pay off debt than

17:28

sex seeing that is really really really improve

17:30

in a then start maxing

17:32

at your retirement or however much you can

17:35

contribute

17:35

and a lot of people are like oh god boring

17:38

i'm not going to see that money for so long

17:40

wait why would you talking about but

17:42

there's a really beautiful catch pending on the

17:44

type of retirement the open

17:46

again we cannot raise

17:48

enough about i will

17:49

to be red red meat but go back and listen

17:51

to as episodes to get familiar with

17:53

he literally and the muscle

17:55

lame and

17:56

herms walks you through this process

17:57

the along with a lot of other very

17:59

well bonus things you can do to all

18:02

the maximize money like

18:04

having the the right credit cards etc

18:07

on and a system in place so that you're benefitting

18:09

ourselves points to travel points

18:11

to eat you know and those rewards

18:13

but getting back to add massing

18:16

at your retirement that's like that's

18:19

would you say that the for a building

18:21

up a say the answer and as he find or an emergency

18:23

funds i mean i definitely think

18:25

having an a few fun and a savings is really

18:27

important i think it can be more men are more

18:30

than a lot of people put the pressure on for

18:32

it's three months of your

18:33

they're irregular salary or

18:36

few months the you know enough to

18:38

know that if anything in

18:40

your immediate life became

18:42

a problem or you had an unexpected that bell

18:45

or you wanted to leave your job and you needed

18:47

a month of coasting or two months of seeing

18:50

i would make it that then

18:52

once you're max

18:53

now your retirement

18:54

the filling are just to be safer when applied

18:56

at a little bit more but i would

18:58

only

18:59

the you about two months three

19:01

months max of what you need for

19:03

because most often than not

19:05

when you do have some sort of rock bottom

19:08

it's not as

19:09

big as you thought it would be

19:11

hum if you guys think that's true

19:12

financially

19:14

i mean i'm a retirement funds even

19:16

in the situation i was and i always had

19:18

an automatic payment to go to my retirement

19:21

account for like two hundred and fifty dollars

19:23

a month so i just got used to seeing

19:25

that money leave so even though i wasn't

19:27

saving my as you find and i wasn't really

19:29

my financial goals the got

19:31

used to seeing that money leave my account so

19:33

i feel like even if you set up five

19:36

dollar transfer every month to

19:38

like a roth ira or something that

19:40

is a tiny bit of a system

19:42

starting to be set up and that is money that's gonna

19:44

continue to grow even if it's only five dollars

19:47

so i wonder if it's figuring out like

19:49

what the priority is to you

19:51

like if you feel totally

19:53

desperate like if you had no money it

19:55

would rescue then definitely

19:58

focus on that as you find the

20:00

for your retirement but there's also

20:02

a world where is that's not your scenario

20:04

like for me you know i feel like i

20:06

could go get some graphic design clan so

20:09

yes i want to build my as you find he

20:11

says so me that's like a huge demonstration

20:13

and saving so i want to be

20:15

able to do that but if i wasn't

20:18

in that boat i feel like i'm someone who

20:20

might feel more comfortable kind of tool

20:22

saving the f you find and the

20:24

retirement at the same time so i feel like

20:26

it's figuring out like you're a unique situation

20:30

getting back to their retirement fund a lot of people

20:32

he backs boring wait why it's

20:34

but the thing that people don't realize and

20:36

understand

20:37

than what type of retirement

20:38

you have you can take out

20:40

of that totally penalty free

20:43

because anytime

20:44

you do draw near it firemen outside of this

20:46

one situations

20:47

you are penalize you pay

20:49

penalties cetera of you know whatever

20:52

until it's paid back and the

20:54

one thing you can do which can literally

20:56

catapult the entire

20:58

process of figuring out passive

21:01

income is you can draw on it to

21:03

take the down payment out

21:04

where your first property purchase

21:06

and so that's why it's actually not boring

21:08

at all and most importantly i

21:11

advise for me to advisers most

21:13

in finance advise that you'd

21:15

do just it's the most simple thing

21:17

possible that you and that

21:19

if you're right

21:20

higher met in a target date

21:22

index in which is very simple

21:24

as based on you know the vanguard

21:27

has one their a cup of there's american find excedrin

21:30

whoever you have yours retirement

21:32

fund set up through it's

21:34

very simple to choose and then you do nothing

21:36

so every time you see that money monthly

21:39

it's automatically being invested

21:41

you know necessary very diverse

21:43

portfolio that you don't have to manage

21:45

or do a thing too

21:46

so in fact rather

21:49

than let's say the savings which we can talk

21:51

can little bit more about in about minute what should be in

21:53

a high yield savings

21:55

which you know you know inflation

21:57

and

21:57

interest rates are driving up you will actually

21:59

there to see a little bit of a rotor

22:01

on that nothing will be

22:04

as great of a return

22:06

that's what your retirement will be

22:08

in the sense that pending on

22:10

how this

22:11

it goes that we can talk about why not

22:13

to freak out about that last couple

22:15

of years have been really really power

22:17

the markets but most even through

22:19

the volatility of the market most

22:21

often than not you usually

22:22

see around and eight percent return

22:25

on your ear let's say the targeted

22:28

index fund so why the retirement

22:30

as more powerful than having like a

22:32

massive savings account is because

22:34

it's going to make a lot more money

22:37

throughout the year it's basically

22:39

like a release a savings you can't

22:40

unless you're gonna buy your very first pro

22:43

pretty so it actually ends up being

22:45

savings vehicle that makes more money

22:47

faster that you can drawn to buy your

22:49

first property that that can lead to passive

22:52

income

22:54

yeah i think that's really interesting too

22:56

because i seeing how i'd

22:58

set up my savings and birth whoa retirement

23:00

i've maxed out but then going into

23:03

investment pieces my as

23:05

he signed him an emergency find a

23:07

so bag that i'm like as you just

23:09

keep going and going like do i need a year

23:11

two years three years like how much should i have

23:14

but i think thats all routine

23:16

back that lock mentality of like how

23:18

do i make myself feel safer and more secure

23:21

and when you start to reef frame

23:23

it and say okay the money just sitting

23:25

in a very is a high yield savings

23:28

account but it's not the same return you again as an investment

23:31

it is sitting there is probably may

23:33

be going to balance out with inflation

23:35

is it's super high yield some as the not

23:37

making any money but if i can

23:40

release that sort of regulation

23:42

around there and put that in investment

23:44

it can actually the more money and made me more

23:47

secure

23:48

however it would it would astonish you

23:51

very successful wealthy

23:53

people how many i know that have

23:55

such tremendous lack mentality and fear

23:58

i mean we're talking millions of

23:59

dollars have never invested that it's

24:02

just sitting in a regular savings accounts

24:04

i don't think there is a

24:06

the more problematic

24:08

, some do when

24:11

all of that could be making so

24:13

much money may be in real estate may

24:15

have be and ventures may be and

24:18

the market it should never

24:20

be setting you should have just a couple

24:22

of months

24:23

or whatever your goal

24:24

the intention as within your savings

24:26

and everything else should be making money

24:29

so

24:29

insert to talk about that

24:31

yeah okay step three making

24:33

more money money

24:35

, i think with here's the thing like

24:37

remy totally feels this way

24:40

i see totally things that the market

24:42

even with it's wild volatility is anybody's

24:45

in the market right now and they don't

24:47

have they don't trust muscle they've probably been

24:49

like holy shit if

24:51

they were in the market during when the pandemic

24:53

head as say i was mostly cash

24:55

than oddly because i was switching over

24:58

investments two different things and so

25:00

i really really really benefit it's

25:02

because the old saying as buy

25:04

low sell high and because of

25:06

inflation and everybody being so you know

25:09

freaked out about the economy in the market

25:11

tanked hitler who he tanked i

25:13

look at my numbers every month and

25:15

like yours go like ooh boy i cannot

25:17

wait to start buying a gun at the bar

25:20

my get i know i have a very very

25:22

very strong test muscle though and i am extremely

25:25

diverse and the sense that not

25:27

only am i really diversified inside the markets

25:30

i'm gonna have a very in a diversified portfolio

25:33

i will talk about that so if

25:35

there's anything anybody can learn even when

25:37

you're starting from a really small place like

25:39

i was year one of making just a little

25:41

bit of money off of manifestation

25:44

it was almost two years before i brought in any

25:46

support and in those two years i

25:48

started investing very happily and

25:51

then have continued and so

25:53

basically the seeing somebody

25:55

has to get clear about of course

25:58

one is going to put into the market remains

25:59

don't waste your time on other

26:02

adventures the market tens most

26:04

often than not have the greatest returns

26:06

however i think everybody

26:09

should find their passion

26:11

minus real estate i love designing

26:14

i love homes i love architecture i

26:17

love small spaces i just for

26:19

meme i can look at real estate and

26:22

see how it can make money off of it

26:24

it's a vehicle side by side

26:26

with other investments

26:27

i have the most money

26:30

in the market

26:31

so find what you're

26:33

thing is and focus

26:35

on it

26:36

the what i mean by that is there's a tremendous

26:38

amount of opportunity if you

26:40

are somebody for instance who loves real

26:43

estate

26:44

my favorite place i bought again

26:46

i said it on the podcast very transparent

26:48

the was two hundred and ninety thousand dollars

26:50

and it was the forest house and

26:52

than that just to get perspective for first

26:54

time homebuyers obviously

26:57

things are going to switch that for people because

26:59

inflation's rising which means interest rates

27:01

the thing which is going to make it a little

27:03

bit more difficult to buy places if we're not buying them

27:05

cash but just to get perspective back then

27:07

it was five point four with my interest rates

27:10

and my dump him it was thirteen thousand

27:12

dollars then i leverage dead

27:14

and turned it into an air bnb him

27:16

and so with in the air b m d it

27:18

like the to get perspective the very first year

27:21

a crust eighty thousand dollars if we weren't

27:23

buying all of the parachute sheets another the

27:25

that it would have netted a lot more but

27:27

for me i was always looking at it as something i

27:29

could leverage for profit and i did

27:32

so i think when you're looking at anything

27:34

at anything life you're going to buy or

27:37

you're going to invest in have a be

27:39

a passion but always look

27:41

at it first how can

27:43

i make money off of this and then take the

27:45

profits to buy my home

27:48

that's that piece the second pieces

27:50

when it comes some markets it's actually

27:52

i think it's either in the last chapter or

27:54

it's in the

27:55

second to last chapter of remy spurts

27:57

where he literally gives you the perfect

27:59

that allergies and

28:01

the suggestion was actually follow

28:03

n have a subpoena wonderful person i work

28:05

with his two percent cash fifteen

28:08

percent one eighty three percent

28:10

stock this is fairly normal

28:12

even goes on to with in this asset

28:14

allocation he gets the very

28:16

specific funds that he personally

28:18

and fests and it's so approachable

28:21

it's so doable

28:23

that's why i would say listen to his book

28:26

i think it's chapter i don't even know eleven

28:28

maybe but a second to last or last chapter

28:30

it's exactly what you would listen to jessica you

28:33

go got it gonna call vanguard

28:35

today i'm going to give them this exact

28:37

asset allocation they're going to put that

28:39

all for me and i would advise

28:42

to do it even closer to the bottom

28:44

of the market see a really fine by

28:46

cheap by actually and

28:48

that you can start now and just you little

28:50

by little by lead on rather than putting

28:52

like big chunks in it was

28:55

dollar cost averaging right where you put in

28:57

the same and now why they're so that way if the market

28:59

dad's or a super high you're putting

29:02

a stable amount even if it's a hundred bucks

29:04

every single month towards whatever your

29:06

investment there are over time it'll wind

29:08

up being the same as if he tried to t

29:10

so low market

29:17

are now it's if explain

29:19

a little bit about your background in finance

29:21

and and now world

29:23

okay great well i

29:25

am an investment adviser representatives

29:28

which means i work for an investment

29:31

adviser so the

29:33

idea said idea would wanna share with you jessica

29:35

aren't about aren't specific

29:38

stock or name but

29:40

just the concept of

29:42

what it means to invest and

29:44

what it means to do that on that regular

29:47

basis over time

29:49

yeah i think when people first think

29:51

about in their seen it's such a broad

29:54

spectrum they're like says that mean

29:56

my retirement find ways

29:58

or at home and find is that

29:59

personal investments and i just buying

30:02

google amazon cryptocurrency?

30:04

am i buying a house and my investing

30:06

in accompany you know for someone

30:09

like okay i saved up a bit of of i

30:11

know i want to put money towards you

30:14

know even just say your retirement fund to start

30:16

for a lot of people but then let's say

30:18

they that going where would

30:20

you first direct people? and

30:22

how would you say they make

30:25

investing sort of a regular practice

30:27

for stabilizing their finances?

30:30

well i just to rewind a teeny

30:33

bit here i mean i absolutely think

30:35

that planning for retirement is

30:37

a must for everyone i think people

30:40

think when they're in their twenties

30:42

or thirties it so far away

30:44

though for starters

30:46

if you're working for a company

30:48

that has a company sponsored

30:50

four o one k plan you really

30:53

want to make sure and sign up for that usually

30:55

that's a payroll deducted contribution

30:58

that goes into retirement account

31:00

for you and , you

31:02

have your choice of a traditional ira

31:05

or a ross the traditional

31:07

goes in pre tax and the

31:09

roth after tax tax

31:12

this is just an easy way

31:14

to get started and similiar

31:16

i think sometimes people feel

31:19

like it has to be so much

31:21

money or they have to have saved up so

31:23

much to get started and

31:25

really and small contribution

31:29

as little as like twenty five dollars

31:31

the paycheck or whatever it's done

31:33

consistently over time

31:36

will compound and ground say

31:40

that , an independent contractor

31:42

or you're working for a company that doesn't have

31:45

a plan then you can

31:47

invest you can own ira

31:50

you can do this through so many

31:53

resources brokerage houses or whatever i

31:55

mean that's something that you can explore

31:57

my deeply but it's an easy thing to do

31:59

to

31:59

that up an ira

32:01

then what you wanna do is just set up an automatic

32:04

payment the come out of your bank

32:06

account every month and

32:08

honestly he just forgot about

32:11

it you just let it get saying

32:13

you don't have to really follow the ups and downs

32:15

of the market because you have you have

32:17

time horizon a you're planning a long time

32:19

horizon

32:21

for me like that okay so someone

32:23

sets up there four one k

32:25

and either get a automatically deducted out

32:27

see their paycheck a third games you work

32:30

or at let's say they do a roth ira on their

32:32

own or another kind of retirement

32:34

fund

32:34

they're like address vanguard

32:36

they can put a minimum amount

32:38

per month in there again you know

32:40

once their paycheck was in their account get

32:42

an automatic payment to get into their

32:45

vanguard account let's say but then

32:48

once it's in there how

32:50

do you recommend people

32:53

and possess been it is there more

32:55

stable things are they his stock

32:57

pay keen senses when you're investing

33:00

in something that like and he is t that like

33:02

owns a bunch of other stock what would

33:04

be the place to love to

33:06

start investing and then also how frequently

33:09

because he talked about we talked about forty third recording

33:11

dollar cost averaging the should they be doing that

33:13

as well in the roth ira

33:16

if they have an employer

33:18

sponsored plan then

33:20

they're gonna be under the parameters of

33:23

that plan and most of the time

33:25

what happens is a company will

33:27

have a family of funds

33:29

and then when he that started

33:32

you just pick a fine

33:35

and there's the oh look at the prospectus

33:37

and and you'll look at what the objective of

33:39

those funds are and you'll look at your time

33:41

horizon now , can

33:43

be pretty popular are targeted

33:46

date funds were like

33:48

you say you're gonna retire and

33:51

twenty fifty or whatever their be a fun

33:53

to twenty fifty fun fun

33:56

that case you're looking at a long

33:58

time window and within

34:00

a retirement account you're

34:02

not going to be picking stocks

34:05

per se you're just gonna be probably

34:07

mutual funds that's ,

34:09

layer of investing soon

34:12

now let's say that okay

34:14

you have that you're all set year

34:17

max thing and now you're getting a company

34:19

match you feel pretty good dude you've got

34:21

money going to to retirement and as going

34:23

and now let's say you feel like okay well

34:26

i have some more funds

34:28

that i could do something like this

34:31

you say you know what i want to sleep

34:33

at night i want to invest my money

34:35

but i don't wanna be constantly

34:38

going to my computer and checking every

34:40

day on specific

34:43

equity names and , case

34:45

like that you're just gonna look again

34:47

you can look at mutual funds a

34:49

mess sent electronically traded

34:51

funds so what's that

34:53

is what's that is

34:56

finding they can be based on a

34:58

sector or an area of interest

35:02

if you start out small

35:04

the year

35:05

enlisting a small amount

35:07

on a regular basis the every

35:10

month over time

35:12

even down and the

35:15

stock market investing in equities

35:17

traditionally it's the best way to beat

35:20

inflation and it's it's a very

35:22

good opportunities

35:23

the grow

35:25

that kind of at the level where it's like you're

35:27

not taking large lump sums of

35:29

money and dumping them on to one

35:32

even one stalker one mutual

35:34

fund you're putting a little bit in overtime

35:37

so as the market ebbs and flows

35:39

on average over average longer

35:42

length of time you're going to be on the

35:45

that's right and as you get more experience

35:47

it's it's not like you don't graduate

35:49

to the plane as he uses may

35:51

be working with an investment advisor

35:54

or a broker or whatever and they have recommendation

35:57

let's say you have you have good feeling about

36:00

the company or industry

36:02

or whatever you know honestly some

36:05

other best ideas i get from

36:07

grace and thou because because

36:10

really it's like having your finger on the pulse

36:12

finger mean what's happening right now we're

36:15

now and this generation

36:17

is the largest generation you

36:19

know much bigger than the boomers and what

36:22

is their interests what are they buying

36:24

what are they interested in so

36:27

as you go long and feel more comfortable

36:30

with that it can become really fun

36:32

any any can take an interest in the other thing i

36:34

was thinking about is you know when

36:37

you're investing you're

36:39

having ownership having these companies

36:42

and that one way to approach

36:44

it really is to pick things that you believe

36:46

in and feel good about you know these

36:49

different phones a you look at them know

36:51

there's a prospectus it it will

36:53

tell what their objective is

36:55

what their holdings are and

36:58

then you can say does this resonate for

37:00

me so you can start

37:03

investing according to

37:05

what and lines with you

37:08

i love that is that actually makes

37:10

it feel

37:12

even better going insane that's because

37:14

you're thinking about i'm putting money

37:17

towards companies that i want to see

37:19

a future and longevity and

37:21

i want to be around i want them to continue

37:24

to grow and prosper and then you

37:26

you're almost like voting with your dollar so

37:28

to speak yeah exactly

37:30

and there's more and more of that i

37:32

would say that definitely trending

37:36

, the only way we really do have a

37:38

voices just it's just kind of like

37:40

with your dollar like or what are you buying

37:42

with your dollar what products

37:45

wet food lion yeah what clothing

37:47

whatever all of these companies

37:49

they have companies they people get really

37:51

engaged and as you can imagine

37:54

absolutely yet so okay

37:56

so it's gonna be my other question is where do you

37:58

recommend he will start looking into investigate

38:01

some of the stuff so there's yahoo finance obviously

38:03

you can like google out to these companies

38:05

are searching the web search engine what

38:08

about like, robin hood? i know they're

38:10

app you can search you

38:12

know everybody has a

38:14

tray network and

38:16

it it might be that you start with finding

38:19

affirm that you feel

38:21

comfortable with any depends on whether you're

38:23

going to be completely autonomous and making your

38:25

own decision or whether you're gonna have an adviser

38:28

helping you that i would

38:30

definitely say that the more you can

38:32

kind of self educate the more you can determine

38:34

a few things about your own objectives

38:37

and i mentioned earlier about

38:40

your risk tolerance that's

38:42

a big one because

38:44

there can be a lot of fluctuation

38:47

in can they say the course

38:49

or is this gonna be completely upsetting

38:52

or whatever another

38:54

thing that be a one really need to consider

38:56

before they invest outside

38:59

is whether you have for backup

39:02

one have some savings you went

39:04

have say they set aside your car

39:06

breaks down in the refrigerator girls

39:08

or whatever or something happens

39:10

with a job you wanna have

39:13

a cushion before you get going

39:16

saying all the things i know can sound really

39:18

ominous but catherine

39:21

have to be and all

39:24

or nothing thing it can

39:26

just be a way to start taking

39:28

some of your dollars and not thinking

39:30

just as possessions or traveler

39:33

consumption and saying okay i'm

39:35

earmarking whatever it is hundred

39:37

dollars a month and when you start doing

39:39

that particularly if

39:42

you work for a company that has a plan

39:44

you just adjust that money's on your

39:46

paycheck it's going in there you just adjust

39:50

and then i guess is there any other

39:52

kids were

39:54

then maybe finding that financial advisor

39:57

they can feel like there's like a million different

39:59

avenues en route see go in that

40:01

regard you know one someone starts

40:03

that investing process where

40:05

would you have them look

40:07

what are some things to look for to know

40:10

as they're in good alignment those

40:12

sorts of things

40:14

i would hurt start with your own

40:16

trusted network

40:18

reach out to people that you know

40:20

parents relative and you

40:22

know does anybody have a good recommendation

40:25

that the basically you know you just

40:27

wanna do your homework a little that

40:30

what kind of fees

40:32

i mean that's

40:34

rare

40:34

the a big one

40:36

you also have to find someone who's

40:39

friendly to a smaller account

40:42

and then look at their ideas

40:44

and these relationships can easily

40:46

be moved it's like if you sign

40:48

up with one place and you don't like

40:50

them me you can live at well

40:53

yeah that's really important to to

40:55

the own to be stuck in a contract with

40:57

some and if you don't like how they're managing money

41:01

right and i mean i think i'll say

41:03

in a have to trust you guys how

41:05

you feel when you want to

41:07

ask them for their track

41:09

record of how are their accounts doing

41:11

accounts doing is their philosophy learn

41:14

a little bit lotta times you you want to

41:16

find someone that you match it's

41:18

another situation where you live on to find

41:21

the match good synergy you

41:23

you like what they're doing and you feel comfortable

41:25

with them

41:27

okay so here my biggest take

41:29

away from our chat then so

41:32

i'm hearing definitely if you do not

41:34

have or time and find you on a look

41:36

into getting that set up as a p

41:39

the longer you have it the more compound

41:41

interest and money you can earn over time

41:43

so start that to

41:46

make sure you are pretty not

41:48

the sort of emergency fines as he saw

41:50

the cushion find putting money into that

41:53

and then if you have less over money it's like

41:55

okay how can i even put twenty five

41:57

dollars into the market every single month

41:59

from my the track you know you don't have

42:01

to play a lump sum in at once

42:03

you can put a little bit and at a time and

42:06

start playing around with the ways

42:08

in which you can do that you know is it or less

42:11

risky type of investment like a mutual

42:13

fine are you going all in on one company

42:16

what does that look like and just dip your

42:18

toe and bit by bit but

42:20

make sure your running time

42:22

to research and investigate

42:24

and start the process because the sooner you start

42:26

the more and you can earn overtime

42:29

absolutely i think you've got it

42:31

and you know one other thing i wanted

42:33

dimension is for anyone

42:35

that has kids that are now

42:37

starting to earn money as soon as

42:40

you soon as you have a job as

42:42

earning money and you can double check on

42:44

that age requirements but this

42:47

, somebody starts that better

42:49

i think it's so empowering to

42:52

says that as early as possible to feel

42:54

like okay well this well

42:57

i've put aside in this is lenny i'm

42:59

directing in this is my energy

43:01

and besides that i even have a little

43:03

better

43:04

i think that's i mean

43:06

that's a whole nother episode again that might

43:10

help educate your kids on

43:12

financing and the power of money and knowing

43:14

that for so long i think

43:16

a lot of kids are self

43:19

reliable on themselves for money until

43:21

much older but even knowing and little

43:23

ways that they can depend on themselves to

43:25

create money to open portals

43:27

teaser for energy that

43:29

so so powerful

43:31

they absolutely

43:33

will they emailed it is and so

43:35

insightful so many great

43:37

heads and i really really impressed

43:53

then quickly interrupting this episode

43:56

two

43:56

to invite you if you're ready

43:58

to start your man

43:59

these injury

43:59

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44:02

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44:04

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44:06

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45:00

creating the new ones

45:02

you can use their special code

45:04

and in all caps x p

45:06

a and d to receive

45:08

twenty dollars

45:09

your first all a car workshop purchase

45:12

or twenty dollars off your first month

45:14

of the pathway

45:15

again that's all caps expanded

45:18

he x p a n d

45:20

d

45:21

okay now back to the episode

45:23

the

45:34

other little piece i do just wanna talk about getting

45:36

back to finding what your passion as remits

45:39

a wonderful person who will say in

45:41

the long run if you don't really know it's or whatever

45:44

stats released though still the market

45:46

outperforms that even when

45:48

you know you're doing and you have a dealer and the

45:50

whatever the says the same thing for real

45:52

estate he's like a lot of people's main goal

45:55

is to buy the house if you don't care about design

45:57

then you don't care about years the fixing

45:59

years

45:59

chocolate to follow will you hold on

46:01

for ten years if you sell at all

46:04

of the prophet where you put that into the markets

46:06

or will you buy another property with act as most

46:08

people just roll it into a bigger house

46:10

whenever i buy anything i look

46:12

at it how can a leverage edge to

46:15

make me money and when i say make

46:17

me money it doesn't mean like

46:19

so i can be a richer which

46:21

is always the goals ultimately to grow

46:24

however for mean it

46:26

all comes down to how

46:28

am i not being silly with things

46:31

so friend censor a great example and

46:33

i can totally out there i

46:36

think i mentioned at the beginning of the year

46:38

that we've really really want to manifest

46:40

a totally built out sprinter been

46:43

but i would never even though i can afford

46:45

it i would never go out and buys

46:47

a built out sprinter been

46:49

ever ever ever ever i would never

46:51

do that

46:51

i have learned through and through and

46:53

through year and smith's pay

46:56

for the things that you want that

46:58

is a rich mindset that

47:00

is what that is that's what a money mindset

47:03

is and so i

47:05

wanted it i wanted and we kept thinking about

47:07

s and max

47:09

who also i am i drug him in

47:12

to loving real estate and investing

47:14

in that she was like let's get a rental

47:16

property together and to panda and

47:18

i'm like words paying as paying lot different than getting

47:20

than rental

47:21

every to get their mariposa

47:23

even though man says that you know the markets

47:25

a lot there however this this really

47:27

good example so and

47:29

this rate dropped to zero drain the pandemic

47:31

when we had five to pengo it was over

47:33

the pandemic certainly when i bought more posts it was before

47:35

me had higher interest rate so we we

47:37

saw the opportunity were like oh okay

47:39

we're going the definitely refinance

47:42

these homes and you

47:44

take these interest rates to almost nothing

47:47

literally tomasi around

47:48

though not only did it

47:50

take our mortgages lower

47:52

than they were originally

47:53

but then you have the called equity

47:55

that you've paid into the house or you fixed it

47:57

off or whatever and all be

47:59

transparent with and mariposa

48:02

i had one hundred and fifty thousand an equity

48:04

that i could either just like let's say

48:06

the not property or i could follow bridge

48:08

dad poor dad and do something with that

48:11

though a lot of other people

48:13

who are falling societal norms and

48:15

standards and keeping up with the joneses

48:17

would have gone and said screw it let's

48:19

buy a bigger house for ourselves in our let's

48:22

go out and buy all these silly things and

48:24

i said i'm going to put mine in the market or

48:26

in going to invest in another thing so max

48:28

on this a rental so i target the

48:30

to pander money and tame as

48:32

an equal partner and tipping

48:35

they are you know investment property them

48:37

the whenever i'm looking for one

48:39

this is a great example i'm always

48:41

looking

48:42

something that could possibly be a to unite

48:44

you'll learn a lot about this if you read bridge

48:46

dad poor dad your first investment being a

48:49

duplex because

48:50

you can live in one house and make a fancy will

48:52

everybody else pays for it in the second half see

48:54

you know that's how you look at real estate as

48:57

not just taxes he beautiful home

48:59

you want because i beautiful homes gonna come

49:01

three or four homes later or as

49:03

out of years later anyways looking

49:05

at to pengo we look for something that has

49:07

a friend's house and a bathhouse front

49:10

house is going to be a high end rental

49:12

that won't completely pay for the mortgage right

49:14

away

49:15

so anything with you at the back house

49:17

now is just purely profit so in

49:19

air bnb on average and

49:21

air b n b n to pander averages

49:23

about ten to fifteen thousand dollars a month

49:26

bam that's i get to buy our

49:28

sprint or now

49:29

that's how i operate everything has to

49:31

be paying for something in our life

49:34

okay so when you're same passive

49:36

income stare it sounds like an

49:38

investment thera money that sitting

49:41

in the market and discreetly high yield

49:43

overtime think your retirement funds

49:45

mostly just your retirement funds or maybe

49:48

bonzi have to keep in there for a certain amount

49:50

of time but then when you're saying let

49:52

your investments pay for your fancy

49:54

car that's part of your sort

49:56

of authentic money code as have like a luxury

49:58

car let's say it's the dream home

50:01

have your investments pay for it so it's like investing

50:03

in real estate or other

50:05

companies were maybe you'll see a return

50:07

on or and maybe it is

50:09

within certain stocks that are more

50:12

short term stocks allow that

50:14

money to come back to you and then use

50:16

that money then to purchase

50:18

those other outside things not

50:21

taking

50:21

it from your salary let's say

50:23

great way to some i said and for the person

50:26

this is mostly putting their money in the

50:28

markets you usually you're

50:30

wanting to leave it and for a while

50:32

like that the golem not retirement

50:34

while but when you're talking to your financial advice

50:36

you're going to talk about your goals

50:39

so maybe it's to buy the first property and

50:41

you're going to leverage what you've saved

50:43

and your retirement account to do that or maybe

50:45

partial have to come out of your stocks

50:47

you know your your the asset allocation

50:50

the really important thing that one starts

50:52

to become saw the us so

50:55

i can see every month i have my

50:57

bookkeeper she also does everything for me person

50:59

we this is something that remy suggests

51:02

that you have eyes at all times on

51:04

what you're making what you're spending so

51:06

i'm looking every month at like oh

51:08

cut the fat hear this doesn't make sense excited or

51:10

ah but the real thing as is when you have

51:13

things like an air b and b which i

51:15

think is like the greatest thing ever given

51:17

to , it's

51:20

just such an easy business that you can

51:22

see profit off profit every single

51:24

month and then there you go bam that's

51:26

like direct straight up cash

51:28

flow that you come

51:30

pay for your car payment your whatever

51:32

a year whatever what the

51:32

writing in your life so this is a

51:34

really good example of like this arab

51:36

bee or when the forest house with

51:38

oh i'm air b m b that

51:40

process was direct cash flow

51:43

to like after the net that slick the directly

51:46

right then and there i can either use

51:48

or use just a small portion which is exactly how

51:50

i live my life i use a very small

51:52

portion and still live beneath my means

51:55

to then invest everything over back

51:57

in

51:59

i think what made me discouraged

52:01

about all of this and not

52:03

now that i've really decided to clear the deck

52:05

and comment to like living more frugally

52:08

for a couple years to get the set up but

52:10

always in the past i knew that it took

52:13

awhile to grow in investment account right

52:15

i knew it would be like a couple years

52:17

until i really saw return or it until

52:19

i could save enough cash to

52:21

make a down payment and was almost since

52:24

it would take so long i never

52:26

started doing it because i was like ah

52:28

did out later that sounds boring right now

52:31

or even listening to you talk lacey

52:33

it's overwhelming to think okay

52:35

well if i was at your point yeah i get it

52:37

but for me starting at ground zero i'm

52:39

just thinking about the listener who's like yeah

52:41

yeah that makes sense and i wanna do that

52:43

but that seems so far out how

52:46

can we recommend that people get

52:48

started with the expectation

52:51

that and order set this up for yourself

52:54

you're looking at like at couple year

52:56

investment of your time and resources

52:59

to set up a foundation said that you can

53:01

put these systems in place you're like committing

53:03

to a new kind of lifestyle were what

53:05

you're talking about will be possible down the

53:07

line just to mitigate people who are

53:09

feeling overwhelmed right now like okay yeah

53:11

sounds great but i have no money

53:14

yeah i think the real cheap he's here

53:16

is for me and it still continues

53:19

to be living beneath

53:20

my means has always been very some

53:22

for me because i'm somebody has

53:24

committed to an end goal it

53:26

took me three years and i'll get into

53:28

this a little bit three years to even builds

53:31

you a point where i saw any

53:33

type of profit in

53:35

order to have some sort of cash flow

53:37

to pay for things but here's the great

53:39

example like

53:40

it lived in the three hundred square foot apartment

53:42

for a year of making some ideas

53:44

money and then the second year

53:47

max ask me to move and i told

53:49

him just straight up like if you want to live together

53:52

i have a very specific financial

53:54

goal i can contribute in these ways

53:56

groceries x y and z but i'm not paying rent

53:58

and this and this and that and

53:59

i'm at this point financially my

54:02

mind has

54:03

always been sacrifice this

54:05

in order for like the real cozy

54:07

spot later on

54:09

i'm always always always

54:11

always and continues to be it like surprisingly

54:14

even when you see my lifestyle i

54:16

still live tremendously

54:19

the nice what one who

54:21

didn't have a lot of financial

54:23

savvy would be living

54:25

is crazy

54:26

the other thing that i really want to talk about

54:28

that i don't think enough people and finance

54:31

talk about that i think is really really savvy

54:33

and i think people who have an entrepreneur

54:35

mine sites really appreciate

54:37

this someone who's a

54:39

full time employee anywhere i remember

54:41

reading a book when i had to pay my first

54:43

taxes and they were like nothing

54:46

of back when i was helping people freelance

54:48

do like coffee for instagram and stuff like

54:50

that for a minute i tried that out someone

54:53

, you just because his an employee people

54:56

don't realize that they're a lot of opportunities

54:58

here so i went out and bought a book and

55:00

i can't remember the name of it i'm shorts and like

55:02

a box somewhere and

55:04

one of the smart thing said it teaches

55:06

when you are you know

55:08

working

55:09

there an employee because your taxes are

55:11

already taken out there are some really

55:13

cool the you can do it so imaginably

55:16

you're claiming zero dependence but

55:18

one thing that a financial advisor

55:20

had told me one sister claimed hands are you

55:22

get a hold all of your tax money and

55:24

put it into a high yield savings until

55:27

so that you're actually profiting off of it all year

55:29

so that when it comes time to pay taxes

55:32

back that your oh you'll have made a profit

55:35

that's something that i think is really big piece

55:37

if you arrest responsible enough oh

55:39

yeah i know how to say is i'm good that yeah

55:42

only you know if you are

55:44

that much about year question for a sack

55:47

grace like let's say oh my god she is

55:49

this this is overwhelming remember and seven years

55:51

in the making of this

55:52

point but let's just say stuff

55:54

one the skill period

55:57

the fallback thing

55:58

if you have that he

55:59

the making money survey and you

56:02

see you can start the process so

56:04

if or at least making my

56:06

four thousand a month as a forty five thousand

56:08

a month you're living extremely beneath your

56:10

your means but you know like reasonable

56:13

eve manifested a very cool very

56:15

inexpensive place you still have the used car

56:18

and you have now you have your fuck you find your totally

56:20

added debts and you're starting to max

56:22

out your retirement that's

56:25

all you're doing at this point let's say that you're maxing

56:27

out your retirement and let's say

56:29

you been doing that for the last the years

56:31

now you're what twelve thousand let's say this

56:34

but is it like six thousand i think it's one

56:36

of the base max out can do i think

56:38

mind like thirteen thousand let's say for

56:40

the last two years you've maxed out at six thousand

56:43

u cel this retirement and now you have

56:45

twelve thirteen thousand must say twelfth

56:47

them but i'm gonna say thirteen thousand because

56:49

you've seen a return that target

56:52

index funds say you seen only six

56:54

percent after taxes and your your

56:56

whatever now jeremy

56:59

and twenty eighteen you have that

57:01

thirteen thousand dollars in their from

57:03

the return you've made and

57:05

you're buying the forest house is this your very first

57:07

purchase you can do you buy

57:10

it's a that's the down payment and you're still

57:12

making money monthly so now you've paused

57:14

on maxing out your other investments

57:16

and you're only able to stand what you

57:18

can fix up physically you're doing

57:21

a paint jobs you're doing this and

57:23

you make the place que

57:24

the newest on air bnb

57:25

let's say not as high end of the forest

57:27

house was so let's say that

57:29

crossed maybe forty thousand

57:31

for the year

57:32

and you the net let's say

57:35

twenty five thousand off a bit after

57:37

you know housekeeping fees which you can already totally

57:39

like bacon to a but let's say like supplies

57:42

he's made twenty five thousand dollars now

57:45

you have

57:46

that my in in the whole time you've been working

57:48

still at your your one skill sets

57:50

your back to maxing out of the air b abuse

57:53

running your back to maxing out your retirement

57:55

now you have this twenty five

57:57

thousand

57:57

dollars you've made because you have

57:59

the outside you have an investment

58:02

that's paying you passive income now

58:05

what are you gonna do that twenty five thousand dollars well

58:08

you could go by the car and the whatever or

58:10

you could be smart and you could take that twenty five

58:12

thousand dollars and by and

58:13

the other cheap air b and b

58:14

it and now you're starting to run a couple of them

58:17

do the same thing over the next three years

58:19

to think of was twenty five twenty

58:21

five twenty five profit each

58:24

year is gonna start to look like now you're

58:26

going to really start putting that money into the

58:28

market you can see how quickly and seven

58:30

years you can build your place of a

58:32

very chill passive income

58:35

wondering i just want to point out to everyone

58:37

to when you're going through these stats

58:40

i know especially when i was not in

58:42

a place where i even had investments that i was

58:44

just making like my minimal little see means

58:47

just making enough to invest

58:49

in a roth ira or an ira retirement

58:51

fund just getting things together

58:54

everything in finance and even just setting

58:56

up a roth ira invest in find may

58:58

feel overwhelming aber

59:00

, book i'm telling you is so easy

59:03

to give yourself one chapter even

59:05

one chapter a week one chapter a month whatever

59:07

it is to commit so easy to do

59:09

but then the other piece is even

59:12

if you are not at are not where you can be investing

59:14

just yeah likely

59:16

be taught that on so many other podcasts

59:18

when she didn't have money to invest she was

59:20

reading investment books start

59:22

to familiarize yourself with the vernacular

59:25

with the understanding it can feel

59:27

like learning and different language but the more

59:30

you immerse yourself in it the time comes

59:32

when you're ready to play five hundred a month into

59:34

and that scene or hundred and a month into messing

59:37

your life i know what that means i've heard that before

59:39

i heard that before it's not new it's

59:41

not overwhelming so if you're like all i can skip

59:43

this part i'm not ready for investing i

59:46

would encourage you to explore

59:48

a listening to it even if it feels like a different

59:50

language and trying to decipher

59:53

okay what that will take for me even if you're like

59:55

okay it's kind of going in one ear out the other

59:58

then we can do it again when you have you know a

1:00:00

little better put into investing and things will

1:00:02

start to click because you want to see

1:00:04

yourself as someone who has the

1:00:06

autonomy and freedom to invest in your

1:00:08

finances to invest in your

1:00:10

money to make your own money to grow your money

1:00:12

this isn't for like some elite

1:00:15

person and me one can do

1:00:17

this and that is the

1:00:18

the here

1:00:20

hundred percent that's why it's like so

1:00:22

important to know that both grace

1:00:24

and jessica are far ahead of where i

1:00:26

was thirty when thirty started this

1:00:28

i know we should have a finance club and

1:00:30

like share one resource per month or if

1:00:32

it's like a podcast or a book or a temporary

1:00:35

something

1:00:36

yeah and even more than that if she

1:00:38

just follow like the steps here's the one

1:00:40

person that expanded me like you have

1:00:42

like a set up where it was like this is the thing i

1:00:44

am blocked whoa i just realized that

1:00:46

with my block here with my expand earth

1:00:48

most importantly this was the aligned action

1:00:51

you're the one thing i learned start out in

1:00:53

the community group right way like one

1:00:55

thread that we just keep sharing

1:00:58

totally yeah and i think what i

1:01:00

learned most from my experiences like when

1:01:02

you're hitting a wall look for an alternative

1:01:05

route

1:01:05

my default would just be like take on a

1:01:07

new freelance projects make more money but

1:01:10

that would have taken me a lot more time when

1:01:12

i could get to the the leash

1:01:14

and by selling my car and i know that not

1:01:17

a lot of people have a car sitting around that

1:01:19

they can sell but what's your version

1:01:21

of really getting creative see you can get

1:01:23

yourself into a

1:01:25

financially sound situation more

1:01:27

quickly without just feeling like all

1:01:29

i need to to get another job or whatever

1:01:32

it is maybe there's little scrappy things around

1:01:34

your life that you can sell or look

1:01:36

at in a different way or something like that

1:01:39

then when you start to do those little things

1:01:41

it will create main his his aunts

1:01:43

maybe that and his incomes in the form

1:01:45

of having pains for the next way that you can

1:01:47

open it income portal media com his

1:01:49

away of like a gift from a friend

1:01:52

said get groceries like gray said these

1:01:54

little things will open up to show you that you're

1:01:56

in a way of creating that financial

1:01:58

free

1:01:59

for yourself

1:01:59

reading up and how i met with your finances

1:02:02

you don't need someone to do

1:02:04

this for you this is silk sensible

1:02:07

for you no matter what state you're

1:02:09

in

1:02:10

one question i just wanted to hurt to take

1:02:12

on before we go here we got this

1:02:14

question from the community is kind of about feeling

1:02:16

this laugh mentality during a seat of the world

1:02:19

at says i'm ricciardi unlock money and i came

1:02:21

to the part about generational gilts with money

1:02:23

the module says we're money was tightly held because

1:02:25

it outside circumstances force people

1:02:27

into survival mode says resonates for

1:02:29

me personally as it always feeling and survival

1:02:32

mode but not because of a generational

1:02:34

laugh mentality but because the seat of the

1:02:36

world the surge of inflation war etc

1:02:39

how can this person and anyone

1:02:41

else identifies like that

1:02:43

stop feeling like a victim to the circumstances

1:02:46

of the world

1:02:47

the i mean it's really it's really hard

1:02:49

but this , something i was telling

1:02:51

my friend you know the other day

1:02:54

who spends a lot of her time

1:02:56

politically trying to make a lot of chain

1:02:59

and i feel

1:03:01

that may it be

1:03:03

that you're going to start an angio or

1:03:06

you're going to raise

1:03:08

your child more consciously or going

1:03:10

to be more conscious like whatever your intention

1:03:12

as i sealed some

1:03:14

more financially equipped

1:03:17

you are the more power you have unfortunately

1:03:20

and the dynamic and the

1:03:22

way in which our world is set up so

1:03:24

to make real change or to have

1:03:27

the capacity to make change

1:03:29

you have to be out of survival mode most

1:03:31

often than not that in my

1:03:34

particular experiencing watching

1:03:36

people who are making the biggest chefs in the

1:03:38

world they tend to

1:03:40

have a lot of financial freedom

1:03:42

that they can get back and contribute and make

1:03:45

actual

1:03:45

the infrastructural change as the

1:03:48

to me it's like unfortunately

1:03:50

the world is set up in a very specific

1:03:53

way at this moment i think there's

1:03:55

a big tipping point of consciousness happenings

1:03:58

however i do think you can it has to be

1:03:59

the game to play the game

1:04:02

while bringing consciousness to it that's

1:04:04

always been my approach always

1:04:07

and so and my personal

1:04:09

belief

1:04:10

educate yourself as much

1:04:12

as possible figure out your

1:04:14

true authentic needs

1:04:17

and your true authentic contribution

1:04:20

you can make and in order

1:04:22

to fund that you need to

1:04:24

be funding your own needs

1:04:27

so to me it's like you can't go wrong

1:04:29

figuring out your true goals from

1:04:32

your authentic code and starting to

1:04:34

put one foot in front of the other two

1:04:36

am

1:04:36

our yourself to really really

1:04:38

real

1:04:38

the be able to do thing so if you're

1:04:40

falling to guilt over the world

1:04:42

it's the same thing is like a

1:04:44

how are you going to help anyone if you

1:04:46

put your oxygen mask on first

1:04:48

you can sit there and freak out in the plane

1:04:50

and help everybody else and and everything

1:04:53

but what if you actually have the tools

1:04:55

to remain calm put your oxygen

1:04:57

mask gone so that your empowered

1:05:00

so now you can actually save and help people

1:05:02

the plane

1:05:04

under that's one piece the second piece that

1:05:06

i want to say to sun and energetic front i talked

1:05:08

about this a lot during a

1:05:10

pandemic you can always manifest

1:05:13

during any rock

1:05:15

bottom any

1:05:18

financial economical

1:05:21

wave this happening outside your

1:05:24

always able to manifests you are always

1:05:26

cook reading with the universe and in

1:05:28

fact it's during the

1:05:31

places where you're being pushed to

1:05:33

your greatest ads

1:05:36

that you're actually just about

1:05:38

to manifest so so

1:05:40

so so much the universe is literally

1:05:42

like can you hang everything you've

1:05:44

been calling in are you going to crumble

1:05:46

right here are can you hang with

1:05:48

what i'm going to send you because you felt

1:05:51

up your worse and give expanded enough

1:05:53

to receive a can you that's the magic

1:05:55

dark so usually when these huge economic

1:05:57

things are happening they actually the

1:06:00

energetic of them oddly enough

1:06:02

just as confusing as a magic darkest

1:06:05

is what's actually happening a magic

1:06:07

dark on a collective level oddly

1:06:09

enough so when i look at my investments

1:06:12

and with how much i've

1:06:14

quote unquote last there's nothing

1:06:16

and me that's afraid at all i

1:06:18

look at that go buy low

1:06:20

sell high i can't wait to start

1:06:22

buying a lot more at the lowest of the market

1:06:25

since like releasing the opportunity and the magic

1:06:27

dark and using the trust muscle

1:06:30

okay so i wanted to give up sort

1:06:32

of like a summary of some of these tests

1:06:34

and insights and again this

1:06:36

is all for entertainment purposes

1:06:39

were not your financial advisor so

1:06:41

t advisor states as isn't the way of expanding

1:06:43

like wow this is what one person is doing with their

1:06:45

money and this is what one person suggests to do

1:06:48

go out and spend your time

1:06:50

murray thirteen and also know if you

1:06:52

do your of authentic money code and

1:06:55

free on his money edwards haunt me

1:06:57

as me it or anything where you

1:06:59

feel financially unburdened

1:07:02

you build that successful

1:07:05

free ways it's gonna

1:07:07

take a bit of time and it's okay

1:07:09

to just go step by step

1:07:11

through this process even showing up and

1:07:13

doing step one is gonna set

1:07:15

you up and such a great pattern

1:07:17

for the future so that

1:07:20

wine or peace wine is really

1:07:22

think about what skill set

1:07:24

that you had that you can start to feel really

1:07:26

confident about that in those moments

1:07:29

when you're switching careers or maybe

1:07:31

or finances are in a good place in you wanna open

1:07:33

a portal what is that one skill

1:07:35

set and maybe you wanna spend time

1:07:38

both during your ability in that

1:07:40

skill set that you can get paid

1:07:42

to work on in any way shape or form

1:07:44

i mean when i was fresh out of college that

1:07:47

skillset was bartending i knew

1:07:49

no matter what i could go in and bartender

1:07:51

at any place so think about what your skillset

1:07:53

is to start to refrain

1:07:56

this idea that your salary

1:07:58

at any job is going to be the thing

1:08:00

that gives the financial freedom know

1:08:03

that eventually in order to have

1:08:05

that freedom is going to need to come from

1:08:07

outside investments and outside

1:08:09

places so start

1:08:11

thinking of your salary as

1:08:14

a great faith mind that going to see

1:08:16

and

1:08:16

their income portals in the future

1:08:18

if you're not already there yeah

1:08:20

then the number

1:08:22

one thing is to start paying off your

1:08:24

debt figure out a payment plan whether

1:08:26

it's a little bit a month or whatever specifically

1:08:28

thinking about any high interest debt

1:08:31

or credit card debt were a student

1:08:33

as can take a little bit longer so start

1:08:35

creating a plan now to figure

1:08:37

out how to manage to do

1:08:40

here

1:08:40

you're going to simultaneously build

1:08:43

up and a few find a savings

1:08:45

find there's great steps or meet

1:08:47

spark of how to open those accounts it

1:08:49

sounds difficult but i'm telling you

1:08:51

guys it is so simple then

1:08:54

set up your retirement find

1:08:56

a roth ira and ira and

1:08:58

start figuring out the ability to put

1:09:00

in money in their each both

1:09:03

, those staff may take you a little bit of times

1:09:05

but even just opening the accounts i

1:09:07

mean i did this step by step

1:09:10

very very broken down where

1:09:12

i opened a vanguard

1:09:14

account didn't put any money and just let it sit

1:09:16

just because they need see like fewest then

1:09:19

, month they put money in still

1:09:22

didn't invest it just let it sit there than

1:09:24

a third month as like okay think i

1:09:26

have enough knowledge of where i wanted bus it than

1:09:28

i am busted it's it doesn't have to be this

1:09:30

big see been saying you could truncated said i

1:09:32

said i said then once you heard those

1:09:34

things up and running and

1:09:36

doing their thing you have a good as

1:09:38

you find you have your got

1:09:41

paid off you have money going into your

1:09:43

roth ira then you can start looking

1:09:45

into investing and if you go back and

1:09:48

redo the last chapter there are mean sparky

1:09:50

listen to other investment podcasts

1:09:52

you listen to the really debriefed

1:09:54

breakdown of what lazy give how she

1:09:57

handles are investments in different opportunities

1:09:59

for investing

1:09:59

circuit fan yourself what is

1:10:02

enforcing look like what is it feel like

1:10:04

getting

1:10:04

the cold sweat you don't have

1:10:06

to jump off the deep end any

1:10:08

of these things money a lot

1:10:10

of time goes hand in hand with security and

1:10:12

it's understandable that people aren't

1:10:14

willing to just throw their money at any

1:10:16

random things so this is a process

1:10:19

it's gonna take time but we really just

1:10:21

one and power you to start

1:10:23

on the process to know that you are worth

1:10:26

it to be putting effort

1:10:28

into your finances the you can do

1:10:30

whatever you want with them and feel confident

1:10:32

with him

1:10:34

the i'm listening to all laces advice

1:10:36

and to jessica summary it's

1:10:39

hard not to feel discouraged like

1:10:41

i'm so far away from it or you

1:10:43

know the five years where i actually put

1:10:45

in the time to live beneath my

1:10:48

means to set up this ability to actually

1:10:50

acquire an investment it feels so far

1:10:52

away and it also feels like

1:10:54

boring and a bummer and all

1:10:56

those things but i think as we

1:10:58

all say accountable together and we can

1:11:01

make it fun and engaging and

1:11:03

support each other we can all

1:11:05

work towards the financial growth and

1:11:07

stability together the community groups

1:11:09

and author resource for this out

1:11:11

your shadow share what your current

1:11:14

financial state is and where your goals are

1:11:16

and what steps are you taking as can

1:11:18

expand everyone so much even when i

1:11:20

was able to own up to my

1:11:22

financial state that was what

1:11:25

led me to the pain of selling my car

1:11:27

to ultimately come out with the solution had i

1:11:29

just stayed hiding in

1:11:31

you know the reality that i traded that everything

1:11:34

was just fine i wouldn't be where

1:11:36

i am now and now i'm feeling so much empowerment

1:11:38

and so much momentum i feel the

1:11:41

universe sending me a thumbs up a little

1:11:43

things are coming through here and there i feel

1:11:46

the movement just from

1:11:48

starting with that one south of outing my

1:11:50

money shadow and money can be such

1:11:52

a taboo topics that no one wants to talk

1:11:54

about or compare and i'm not single post

1:11:56

your salary which is open up the conversation

1:11:59

and and can be magnetic starting

1:12:01

a conversation around it and i know with

1:12:03

inflation as feeling like a scary time

1:12:06

like absurd to pay seven dollars

1:12:08

for gas we are all feeling it and

1:12:11

we're in the same boat with you so

1:12:13

you're feeling at rock bottom is your feeling

1:12:15

discouraged if you feel like man

1:12:18

i'll never be able to save the money or invest

1:12:20

or whatever just start with little five

1:12:22

dollar transfers five dollars a month

1:12:24

your savings five dollars a month to your

1:12:26

retirement account just starting to

1:12:28

create that new hobbit and that new

1:12:31

muscle together in it

1:12:33

was gonna make a big impact in the long run

1:12:35

so don't get discouraged stay on top

1:12:37

of that we're here for you and let's keep communicating

1:12:39

about where we are on our money journey

1:12:42

one hundred percent one of the things

1:12:44

that i put on a manifestation list

1:12:46

early and twenty twenty

1:12:48

was who sat up

1:12:50

and take all the action sept in the first half

1:12:52

or meets book now the manifestation

1:12:55

i dance because i knew i kept

1:12:57

for crossing a cat putting off at capturing

1:12:59

off and then as like okay finally and then a put on

1:13:01

the lists and my ties were

1:13:03

at the end of the night when i had plenty of time to

1:13:05

dive into a chapter i did all those

1:13:07

are fun to watch an episode of c b or oh as

1:13:10

it's on a school my phone or whatever and i started

1:13:12

to view those as pass and

1:13:14

when i decided to take the action

1:13:16

and actually read the chapter and implement the stats

1:13:19

i would have really isn't manifestations

1:13:21

would come thrill ago get a really good delivery

1:13:23

or someone would reach out about amazing offer

1:13:26

so just know how

1:13:28

you can make this really fun

1:13:30

and really actionable

1:13:32

that every resource to check out on line

1:13:34

is mrs dow jones she has

1:13:36

a really great financing or no one course

1:13:39

that also has a debt pay off calculator

1:13:41

see download the spreadsheet and you can actually

1:13:43

and put the numbers of how much that you

1:13:45

have whether it's credit cards car school

1:13:48

payments whatever what the interest rate

1:13:50

is and help you come up with the plan to pay

1:13:52

off your debt and the most strategic

1:13:54

way and then she has a workshop with each

1:13:56

module that leads you through like how

1:13:58

to set up your savings account and how

1:14:00

to do other stuff zero mates bug but

1:14:02

step by step in a course which i think it's

1:14:04

helpful to i've just found out before

1:14:07

but lot of great resources put

1:14:09

them in the community group and will continue the conversation

1:14:13

the really and great last little question

1:14:15

for you i'm a capricorn

1:14:17

so i like budgets and spreadsheets

1:14:19

like mint is my best friend meant is a

1:14:22

great budgeting opera i keep track of all my

1:14:24

expenses i imagine sincere

1:14:26

areas you don't love the tracking

1:14:28

documents and stuff because i although

1:14:30

and once and month and go through all my transactions

1:14:32

and put them in different categories and budget what's

1:14:35

one's head that you would give someone and how

1:14:37

system

1:14:38

or even you start looking out that stuff

1:14:40

well i'm actually a spreadsheet master

1:14:43

and i i haven't tried

1:14:45

she had started literally everything but

1:14:47

my issue is i ignore

1:14:49

them so like all seven emma let's

1:14:51

say once every other month i like had a while

1:14:53

and i my gosh i need to figure out where

1:14:55

everything as and when a oh and

1:14:58

how to make a plan i do that almost

1:15:00

every other month and then i just neglected

1:15:03

and then i come back into the same cycle

1:15:05

mrs dow jones actually has this tip

1:15:07

of giving yourself a money

1:15:09

date once a week like put twenty minutes

1:15:11

on the calendar every sunday and

1:15:14

go check in with that spreadsheet go look at

1:15:16

your credit card statements you know see

1:15:18

what was i charged for an error what

1:15:20

did i spend the most on this week why

1:15:22

are my bills so high or low or is

1:15:25

there any actual money that i can save so

1:15:27

for me i'd like to create the system

1:15:30

and look at it actually and i've had spread sheets

1:15:32

for years is just that when i

1:15:34

become avoidant because i know i'm not

1:15:36

doing a good job or just go crazy

1:15:38

and send a thousand dollars on a new hobby

1:15:41

or go on an expensive trip or spend

1:15:43

way too much money on groceries the

1:15:45

me it's more that i don't wanna stick

1:15:48

to the budget so i ignore it even

1:15:50

though i know what it is so my

1:15:52

tip for myself and for everyone

1:15:54

else is like just checking in on

1:15:56

a more consistent basis if you

1:15:59

know that they're not gonna be able to stick

1:16:01

to the budget as like a self control

1:16:03

as you because for me

1:16:05

as me as just feel on someone checking it has

1:16:08

to be a one silly almost

1:16:10

every other day kind of thing to keep

1:16:12

myself engaged and and i'm sure

1:16:14

you know after i maintain that for a while it will

1:16:16

become a a habit now

1:16:18

i'm almost starting to receive the

1:16:20

value and money like i'll go to the store

1:16:22

and be like oh you know what i don't really want to spend twenty

1:16:24

five dollars on that whereas before i would just

1:16:26

blindly swipe my credit card so i

1:16:28

think sometimes it's like reorienting

1:16:30

around the value of money now

1:16:33

they're realizing that that's connected

1:16:35

to how you value your own worth

1:16:37

your own energy output like how much

1:16:39

do you think your time and energy is worth

1:16:41

how much do you think your knowledge and your skillset

1:16:44

is worse and are you willing to just throw

1:16:46

it away as something over priced at the grocery

1:16:48

store because you're not thinking so

1:16:50

that's kind of how i'm starting to view all

1:16:53

that

1:16:54

gray gray cat and

1:16:57

, one thing that could help to so

1:16:59

many apps here for nowadays if you're someone

1:17:01

who has , time

1:17:03

just going on the computer setting down whatever

1:17:06

get a budget app on your phone

1:17:08

or amend app or something like that

1:17:10

and do it as a little activity

1:17:12

like switch from instagram over to the met

1:17:15

at check your transactions once a week

1:17:17

or once a month or whatever feels attainable to you

1:17:19

and see it as like a little exercise

1:17:21

little games and just continue to put

1:17:23

that into your habit

1:17:26

amazing i'm excited yea

1:17:29

or we will have to check in and a couple months

1:17:31

to see what progress we have all made

1:17:34

and where we're at by sending you all

1:17:36

so much love i know money and such as

1:17:38

the heavy tricky scary topic

1:17:41

but i promise it's not as scary and

1:17:43

just start taking even a little bit of action

1:17:45

today eel be so magnetic

1:17:47

on there

1:17:57

will be arriving in

1:17:59

iowa out

1:17:59

there i know it can feel like a million

1:18:02

pieces of information at once i

1:18:05

would sit with sit he get in and

1:18:07

start to create to create of

1:18:09

the things that you want that implement so

1:18:12

wherever you are in your financial journey

1:18:14

if you're trying to get the guy if you're trying

1:18:16

to pare down your expenses

1:18:18

if you're trying to expand out of

1:18:20

lock get really clear about what you

1:18:22

wanna deal why you wanna do it

1:18:25

and started just take a little bit

1:18:27

of action the next month towards it happy

1:18:29

manifesting and will see you next week