June 3, 2024 • 38 mins
Ever wondered how a dental hygienist could turn into a financial advisor to help families achieve financial security? Join us in this enlightening episode as we host Sheila Pizzo, who shares her incredible journey from working in dental hygiene to becoming a dedicated financial advisor. We uncover the critical importance of financial literacy and the often-overlooked benefits of life insurance. Sheila’s multifaceted role as a mother, grandmother, and guardian fuels her passion for ensuring families aren't burdened with unexpected funeral costs and other financial hardships.
Let’s talk about life-changing career conversations! I recount my personal story of stumbling into the field of dental hygiene through a chance encounter. This episode delves into the rigorous demands of dental hygiene programs, the vital role of scholarships, and the determination needed to balance work, family, and education. Our discussion sheds light on the significance of taking control of one’s future and the perseverance required to overcome obstacles and achieve professional success.
Why do so many people insure their phones but not their lives? We demystify common misconceptions about life insurance, stressing the necessity of proper financial planning. Sheila and I emphasize how straightforward and affordable life insurance can be, proving it’s a crucial step toward financial preparedness. Our conversation highlights the broader need for financial literacy across various professions, aiming to empower families to secure their financial well-being and protect their loved ones from unforeseen events. Tune in to start your journey toward financial freedom today!
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Episode Transcript
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Speaker 1 (00:00):
Welcome to Dental-ish .
Okay, this is season three.
This is episode one.
I am here with my good friend,sheila Pizzo, and I really
wanted to get on here and giveyou guys some value and talk
about financial literacy andbeing prepared to financially
(00:20):
set your future up.
When I met Sheila, I didn't knowanything about being
financially prepared lifeinsurance, any advisements, none
of that.
I thought it cost a lot ofmoney so I'm like, let me not do
it.
And now I got life insurance onlike six or seven people and
I'm like, let me see who else Ican put some life insurance on,
because we always talk about howwe talk about and we read about
(00:43):
how life insurance is thequickest way to make your kids
and your family and you know,your family members millionaires
and leave them without a debtand burden.
And when I spoke with Sheila, Ididn't realize how inexpensive
it was and how less complicatedit was.
I always thought it wassomething that was super
(01:04):
complicated.
Like you know, in order to getlife insurance, you have to get
blood work done and you have todo these tests and stuff and you
know, just knowing howconvenient it was and simple, I
was like other people shouldknow about this and it just
really broke my heart.
Every time I see on Facebook,gofundme is for people's
funerals kids' funerals, babies'funerals and it's special to me
(01:29):
and it hits home for me becausemy brother's funeral he didn't
have life insurance and I had topay for it and I'm still paying
for it because I put it on acredit card.
But when I spoke to Sheila Iwas like, yeah, same thing
happened to me, like I was oneof those people.
So I'm always, always pushingfor people to connect with
Sheila and she's a brown girl,already age, and she's a boss
and she's the grandmother andshe has a whole what you got
(01:53):
four babies that you're takingcare of.
Now I take care of three babies, one grandbaby and three
children in my home that, yeah,I passed my time for raising
kids, but God saw differently.
So we do what we have to do.
We do we have to do.
So welcome everybody, sheilaPizzo, sheila, welcome, and I'm
(02:15):
happy to have you, and I'm doingmy little claps because I don't
got the button yet.
We're gonna get it.
Yeah, so you know, tell thepeople a little bit about
yourself, how long you've beenpracticing, how you got into the
field of dentistry, and thenwe'll go on to like when we met
and then how we, how we got here.
Ok, well, first of all, thankyou, martel, for even thinking
(02:38):
about me to be, on Dentalish,very proud listener and friend.
We go way back and you know.
Thank you for just giving methe opportunity to share more
information when you said thatit breaks your heart about
GoFundMes and so forth.
That is one of the reasons whyI do what I do, because I'm very
passionate about what we dohere, because so many families
(03:00):
do go financially broke orburdened or in debt because they
don't know who to have theconversation.
Debt because they don't knowwho to have the conversation
with, or they don't know who totrust, or, again, they don't
know that it is inexpensive.
So a little bit about myself.
I've been a hygienist since2006.
And now I am still a hygienist.
(03:21):
It's my first love, becauseit's not work, but I'm more in
the financial advisor side now.
I'm 51, a lot older than you,martel, but you know I'm a wife,
a mother, a grandmother, afriend, a confidant, a sister, a
daughter.
And you know I have sevenchildren myself, ages 32 to two,
(03:42):
and three of them are mybiological.
I raised, you know, three otherchildren and that I have
permanent guardianship of.
And how dental hygiene wasintroduced to me was by my
dental hygienist.
And at the time, guys, I didn'teven know what a dental
hygienist was.
That's embarrassing.
(04:02):
You know she was sharing withme.
You know she says what's yourinterest?
And I said, well, I was innursing school but I didn't
finish.
She's just our regularconversations in the dental
office, right?
And who knows, theconversations that we have with
other people can change theirlife.
Because it changed mine.
What if she didn't ask me whatmy interest was?
Maybe that was my window ofopportunity and it was.
(04:26):
It truly changed my life, justthat one conversation.
And, believe it or not, thatconversation was meant to be on
that day because she left thepractice.
I never saw her again andthat's something.
But she introduced me to thefield of dental hygiene and she
said I said, can you write itdown?
So I remember what the programis that I'm looking for.
(04:48):
And when I first applied toClayton State, I was accepted.
That's not on the norm.
You know how hard it is to getin dental school and financially
I couldn't afford it because Iwas already.
I was already a homeowner.
I was already married.
You know children in schoolalready and it didn't look like
I could just quit at that time.
(05:08):
Wait, you said that it was in2006?
No, that was before 2006.
I was actually accepted thefirst time in 2003.
The next time it came you know,it's like every two years it
was 2004.
Every two years they acceptedthe program.
So I was originally accepted in2004 and I didn't go because I
(05:30):
didn't have the funding, whichthat's another thing.
Martell, I have to say to you,I'm so super proud that you have
the scholarship funding,because there's so many people
that want to change their lifeand they don't have the funding,
and Brown Girldh is a vehiclefor that.
I love the fact that you guysare giving scholarships out, so
I'm 100 supportive of that aswell.
(05:53):
As you know which I didn't knowthat at that time, but 2000, the
next time to roll into dentalhygiene, I had a conversation
with my husband and my parentsand I said you know this doesn't
happen often.
This is the second time I'vebeen accepted and at my age and
you know, at this time, you know, they told me when I went for
(06:17):
the interview that you couldn'twork full time and they were
talking about how rigorous theprogram was.
If you wasn't married, don'tplan on getting married, don't
have no children, all of thesethings I had already happened in
my life.
So I'm thinking I don't knowwhat they talking about, but I'm
coming and I did what I had todo because when the young lady
(06:37):
told me they started 32 an hour,imagine back in 2006,.
Somebody saying, oh, you canmake 32 an hour.
That seems like a lot of moneyuntil you start making it right.
But I was grateful and I got inand, guys, I maintained a
full-time job so the inevitablecan be done.
(06:59):
It's a mindset thing.
You do what you have to do.
Yeah, it's all about what youput your mind to do, you're able
to accomplish.
I worked the entire time, fulltime, while I was in the dental
hygiene program.
I went from day shift to nightshift.
I worked outside on theairplanes and what I did was I I
(07:19):
took down a promotion frombeing a courier to working on
the flight line and I would putmy note cards.
Whatever we did in class thatday, I would make note cards.
We all know about the notecards and hygiene right.
I would put them in my pocketand study while I was out on the
flight line at night.
So it was consistent.
I did put the hours in.
It's just how you put the hoursin Right.
(07:41):
You was working on somebodyelse's time.
You was like, all right, youdon't have me stand out here,
I'm gonna make sure I can do.
You was maximizing your time,that's right.
That's right.
Every downtime I had the notecards in my hand.
They used to have, like thedental index to study for the
board exam.
I would take a stack of cardsevery single day until I got
(08:03):
through all those sections overand over again.
So you just do what you got todo.
You do, you do, you do.
And that's going to make, likewe always say, you are who you
are.
So when you get in that dentalpractice, you're going to
maximize your time because youknew that I had to do this and
do that and make it away andit's a mindset and it's just not
like, okay, where's the nextperson?
(08:25):
You're taking the initiativeand you're taking control of
your, your life and you knowthat's one of the things that
not even your life, your future,your past, the generations to
come.
We talk about generational well, generation, generational
curses, all of that stuff.
But we know these things, butwe just like I'll get to it
later, I'll get to it later andthat was one of my things too.
(08:46):
So what, I think I met you intwo.
It had to be 20, it was 2020.
It was during covid that I metyou, because I remember
distinctly I was on the floor onthe mattress and I was on the
phone with you and I was sayinghow tired I was and I was trying
to do this the life insuranceand I was just like, oh my god,
I gotta was trying to do thisthe life insurance and I was
just like, oh my god, I gottaget this phone like this, like a
(09:07):
talk me and talk me, and talkme, talk me.
I was so irritated, but it hadnothing to do with you, it had
to do with my situation.
Like I was literally on themattress in an apartment and I
just didn't.
I was not, my mind was just Idid not know.
I did not know what was next.
But you stayed on, you likelet's just get through it.
I was not, my mind was just Idid not know.
I did not know what was next,but you stayed on, you like
(09:28):
let's just get through it.
I was using the Wi-Fi from thegas station next to the
apartment complex, like I didn'teven have Internet.
It was, it is.
But think about how many timesyou still made the sacrifice.
What you did know was theeducation I was sharing with you
at that moment.
And, just like I tell everybodyelse, you're here now.
We don't know what's going tohappen when we get off the phone
(09:50):
.
We're not predicting death, buttell me, any person knows their
date of death?
Nobody.
And right now you have children.
Right now you have assets.
Right now you, you have thethings that you need to do, what
you need to do.
But why do we alwaysdeprioritize our families?
(10:11):
I tell people all the time whenyou're putting life insurance
on the end, I'll get to it.
When you're putting your familyon the end, why do you get up
and go to work every day?
It's to protect your family.
But if you don't put things inplace, how is that family going
to be protected?
Because you didn't get to it?
You're going to leave two loveletters.
One is going to say I'm sorry Ican't be here anymore, but I
(10:33):
made sure that you were okay.
The other love letter is goingto say I was intending to do it,
I just didn't have time.
I'm sorry, there is no inbetween.
It's one or the other.
What do you want that loveletter to say?
That you love the people thatyou love and care about the most
, right, actually, you know I'malways make a joke about
(10:55):
something, but you know in theobituary things when it says in
love and memory, you need to putyour love letter what you said
I'm sorry, I was gonna get to it, please give it.
That's your last words.
Those are the last words toyour family if you don't get
that life insurance.
Okay, and and and in theory,because I remember my mom
(11:17):
calling me when my brotherpassed away and she was like um,
the casket is gonna be sixthousand, the funeral is gonna
be nine thousand, the plot isgonna be blah.
I was like huh, I did not evenknow and luckily I had.
I had a credit card at thattime and I was just like here,
mom, put it, put it on this.
And it was just the saddestthing ever.
(11:37):
I did not.
You don't know what's expensiveuntil you go.
You don't know what's valuableuntil you go, and I always say
how many's valuable until you goand I always say how many cell
phones have people had?
Iphone, this iPhone, thatupgrade, this, upgrade that and
they put it on the back end.
Oh, you can get a thousanddollar iPhone and break it up
over five years and all you'repaying is $19.
Well, guess what?
How about that?
(11:58):
And guess what else they do,martell?
They put insurance on a cellphone.
They put it out of their life.
Isn't that something?
Isn't that something?
The analogy is here.
I'm just going to be quiet.
You put insurance on your cellphone and not your life, and not
your life.
You value that cell phone morethan your life or your car or
(12:22):
whatever is insured, more yourcareer.
There you go Every year.
You plan for that license, youplan for that malpractice
insurance, you take any lasercourses, anesthesia courses,
everything you're putting valuein.
But then you're sitting therelike I'll get to the life
insurance part and you knowthere has to be someone on this
(12:48):
side fighting for us and ourcommunity to be educated better.
That is where my passion comein.
It's not so much that peopledon't want to do life insurance,
it's the lack of education.
It has not been a priority.
Our grandparents had it, butthey had the wrong kind.
When we talk about differentlife insurances, a lot of people
don't get it because they don'tunderstand well, which one do I
(13:09):
get?
Do I get whole or do I get term?
They don't understand thedifference between the life
insurance.
So I go in very detailed depthon the education of that.
Most people will get whole lifebecause they feel like, well,
if I get whole life, that meansit lasts me for my whole life.
That's not what whole lifemeans at all.
When they talk about infinitebanking, you can borrow from
(13:31):
yourself.
Well, think about this.
You pay your car insurance,your cell phone insurance.
Can you borrow from thoseinsurances if you don't break
your phone and you don't damageyour car?
No, so why in the world wouldyou borrow against your life
when you only get one?
You got to make the money makesense.
And when you first get thosepolicies, the first year, let's
(13:54):
say you're going to over what?
What you're borrowing isoverpaid premiums, that's the
first thing.
Money borrowing is overpaidpremiums that's the first thing.
Right, money.
So the first two years they'lltell you well, you can't borrow
anything because there's nothingthere, because that money only
grows at a maximum of 4%.
So if it's only growing at amaximum for 4% and what you're
(14:17):
putting in may be little tonothing.
Let's say it's $200 a month.
Well, you don't have anythingin three years.
You want to borrow $100 afterputting $200 a month into a
policy, and then when you pay itback, you got to pay it back at
6% to 8%.
Or if they say you don't haveto pay it back, it comes off the
face value of the insurance.
So now what happens when youdie?
(14:38):
Your family got not only to paythat loan back, but they got
less coverage than you startedwith.
Make it make sense.
It's just got to make sense.
So my question is what is thedifference in layman's terms and
basic?
What is the difference betweenwhole and term, and which is the
better one to get?
(14:58):
Term is always going to bebetter.
You can listen to any financialguru suzy, orman, david I can't
think of his last name, but youknow who I'm talking about.
But anyhow, term meansimmediate.
That's with my company, andeverybody's term is not the same
as well, because you have somepolicies out there that starts
off term that converts to hold.
(15:20):
So you definitely got to makesure you have someone that
understand insurance to readthat policy because it can also
be misleading.
Not all terms work the same,but you want term because it
immediately if something happenstoday.
Do you want your family to betaken care of today or they're
told two years?
No, it's not in effect yet, sowe can only give you back the
(15:43):
money you put in and averagecost of burial is $15,000 in
2024.
You haven't put $15,000 into apolicy in the first year, the
first six months, so you want tomake sure in term is always
going to be cheaper.
Why?
Because it's pure lifeinsurance.
It's solely on your life.
So you may pay $80 a month fora $300,000 policy.
(16:07):
Well, what could $300,000 doversus a $25,000 as a whole?
Because you're going to pay thesame thing for a whole life
policy but it becomes veryexpensive because you're
borrowing that.
But look at term as $300,000.
It might pay off your home, oreither half of the home.
It could pay off the debt.
It could put your family in thesame financial position.
(16:29):
What life insurance is for is tomake sure your family can
maintain the same lifestyle or abetter lifestyle in the event
that something happensprematurely.
The reason I say prematurely isbecause no one ever expects
death.
It just happens.
We know our date of birth, wedon't know our date of death and
(16:50):
if you don't have things inplace to accommodate your
lifestyle, there will be afinancial devastation within
that family You're going to.
You know you don't just losethe person, you also lose their
income.
So let's say that there's twoworking parents and you have
children.
If one parent is bringing home$60,000, the other one is
(17:11):
bringing $100,000, what will a$25,000 or $50,000 life
insurance policy do for thathousehold?
That's the questions we need toask ourselves.
It'll bury me, but what happensafter burial?
They still got to eat, theystill got to live and they don't
have your income coming inanymore.
(17:31):
So what is it that we can do toaccommodate that?
We go in, we purchase lifeinsurance, but that's not the
only thing, martell.
We want to teach communitiesthat you get the life insurance
in place when you're youngbecause it's affordable, it's
cheap, you have two to threetimes the amount of coverage
that you need, but also startinvesting for yourself.
(17:52):
That's the plan.
So if you're paying less on theinsurance, whatever your budget
is, also have you an investmentplan, and most people don't
even know you can start aninvestment with as low as $25 to
$50 a month, so the sametimeframe that you have that
life insurance place for 25 to30 years.
Imagine if you're putting moneyin a financial investment for
(18:16):
the next 25, 30 years.
Not only are you planning forretirement and financial
well-being in 20 to 30 years,when you don't have that term,
which you can keep it untilyou're 95, but the idea is to
have an option, right?
So if you have the plan in placeprematurely, if something
(18:37):
happens, your family is okay,but you also have this
investment in place because oneday you're going to retire and
what we do know is jobs do notprepare us for inflation.
Almost everyone is doing a sidehustle or something else
because the jobs is not cuttingit, jobs do not keep up with
inflation.
So what else does that mean?
(18:57):
If you only have your 401k withthe job and if the job is not
keeping up with the inflation,where would that put you at
retirement?
You're going to run out of yourmoney.
Yeah, the Walmart super centerPassing out little stickers have
a nice day?
Yeah, because if you, you haveto save your money, because one
day your money is going to saveyou.
(19:17):
Oh, yes, you have to.
So we have to think about, notjust right now, not just the new
issues that came out.
If we really took our time andthought about how much money we
spend on advertisement or stuffthat we see on TV.
It's a distraction.
It's supposed to be there sothat we are consistently
(19:38):
financially controlled by thesystem, so that we are
consistently financiallycontrolled by the system.
We talked about that with theeclipse, where everybody went
out and wiped out the grocery.
There's no grocery.
You're going to spend all ofyour money money that you didn't
have to spend Because they wantyou to live in fear.
They want you to live in fear.
You have to be in control.
One thing we have to learnearly on now that I'm so
(20:01):
grateful for in the financialindustry that I was introduced
to is that you know you have toprepare for now and later, not
just what's going on now,because we don't know what
tomorrow may bring.
(20:22):
Happened drastically how haveyou left your family?
And that's something we need topause and think.
Okay, if God decided this wasmy last day, because he's the
only one who makes that decisionhow am I leaving my family?
Will they be okay financially?
They're not going to rememberthe extravagant birthday parties
, the, the name brand shoes, theyou know the stuff that we buy,
that this is.
They're not going to rememberthat stuff.
(20:42):
Yeah, and that's what I said.
I said I saw a um, somethingabout somebody some prom last
year or year before two promstudents were killed in a tesla
and they were doing a go fund mefor the funeral and I was like
wow, wow, oh, my god.
So they did this, not to saytake away from the experience of
(21:03):
prom, but they did all of thatand did it.
I'm pretty sure the tesla wasinsured, but the babies did not
have life insurance.
And if you get in now, yourchildren are covered with some
of these plans at no additionalcost.
Well, the plan that I offerhere, when you pay for one child
under the age of 18, it doesn'tmatter how many children or
(21:26):
grandchildren you have, they'reall covered.
So imagine you know no one'strying to get rich off their
child's debt, but somethingbeats nothing.
I hear you talk about yourbrother.
So imagine $14.95 would havecovered $25,000 a month.
Where do we spend $14.95?
You can't even get gas for$14.95, but it would immediately
(21:52):
paid out the $25,000 to makesure you know your child or your
brother or your loved one iscovered, and it is a touchy
subject.
No one wants to talk aboutdeath.
But one thing for sure is thatif you're living, you definitely
have an expiration date.
We're all going to check out wedon't know when, but why do we
run from the responsibility ofmaking sure we're all going to
(22:13):
check out?
We don't know when, but why dowe run from the responsibility
of making sure we're prepared?
People will just avoid theconversation and they also make
it seem as if you know that.
You know it's so funny People.
You know I'll follow up onpeople because I care so much
about what I do, especially if Iknow you don't have any
coverage.
I know what it will do to thefamily.
(22:33):
I've been there in bothinstances.
But you have to think when aperson is reaching out to you,
it's for your own good, it's foryour family.
My family is financially set.
If anything ever happens to me,they're in way much better
shape.
They're going to be instantmillionaires.
Why are we not doing that?
Why are we not?
(22:54):
You know, if you leave yourchild, let's just say a half a
million, even if you can'tafford that, let's just go with
300,000, right, it's definitelygoing to cover the burial.
Well, with the financialeducation.
Guess what they could do withthe other 150?
They can invest that or evenput it in an annuity where they
(23:14):
know if they're not in control,they have money coming back.
There's so many things that weare not taught about financial
literacy, regardless of ourdegrees.
Hygiene pays really well, buthow many hygienists are still
into buying the Gucci bags don'thave life insurance.
You know, just you know, andit's not just us, it's everybody
(23:36):
.
Sometimes I review doctors'insurance policies and they have
the wrong plans in place.
So the education is so neededin every field.
You know, we have to just trulyunderstand, and I think that I
think the I don't know if it'sthe intimidation part of life
insurance.
Or you know what do you do, orI don't understand it, and what
am I paying for if I don't seeit?
(23:57):
But it's one of those thingswhere you, when you talk to my
mom, remember, when you talkedto my mom, what did she tell you
?
And I was like she's not goingto get life insurance.
She told you when I'm gone,it's not going to matter.
She said when I'm gone, it'snot going to matter.
She said it ain't going tomatter.
She said to me oh my gosh, Ican't believe you brought that
(24:17):
up.
Your mom said well, I ain'tgoing to know they can throw me
in a ditch or something.
And I said to her I said I wantyou to think about this.
Do you think, if something wasto happen to you, that they
would throw you in a ditch, Isay, or if something happened to
one of your children, would youhave that same mindset that you
(24:39):
could, you know, just throwthem in a ditch or something?
She says no.
I say they don't have thatmindset either.
And if we don't do something toput coverage on you, what you
have done is put them in a muchworse financial position,
because if there's no coverage,the money got to come from
somewhere.
So you've put your children ina position to where they can't
even mourn properly becausethey're too busy raising the
(25:02):
funding to make sure they canbury mama.
I said they love you, just likeyou love them.
So if you wouldn't put them in aditch, don't say that they can
put you in a ditch.
Right, and the sad part aboutit y'all is I was going to pay
for it.
I just needed her to sign thefreaking paperwork.
She didn't have to pay for it,she didn't want to do it.
I'm like you're not paying fornothing.
(25:22):
My gosh, this mindset, honey.
They look at that as that'smoney that could be going in the
house or something else.
But you have to think no, listen, if we don't make our family a
priority, who do you expectthat's going to come in and say
you know what?
I need to put life insurance onthis person because their
family is not going to do it?
(25:42):
No one is.
Yet when we go out and we eatfast food, we buy these name
brand clothes, we do theseextravagant parties.
Guys, we're making someone rich, we're investing in their
family and their financialoutcome and we're leaving our
own family to figure it out.
You guys figure that outbecause we went over here and
(26:04):
had a good time for a fewmoments.
You go out to eat.
You're flushing it down thetoilet.
You might as well have took themoney and flushed it in the
toilet.
You might as well took themoney and flushed it in the
toilet, but you'd rather do thatthan make sure your family is
okay.
We got to start thinking verydifferently about when it comes
to protecting our loved ones andalso when it came to the life
(26:25):
insurance, then I was like allright, life insurance.
And then you start seeingcertain stuff.
You know certain stuff is goingto pop up and there's going to
be little reminders.
Okay, let me think aboutinvesting, or let me think about
my trust or my will, or let methink about other things.
And, sheila, you told me aboutlegal shield.
I thought legal shield was ascam.
But when I tell you I calllegal shield every single month
(26:46):
about something for personal andbusiness, I love it.
I love it, I do.
And what do they do?
Legal shield?
They'll review contracts foryou.
They'll write contracts for you.
They'll refer you to attorneys.
Your attorneys have a flat rateand I then I think I'll pay
like less than a hundred dollarsfor both policies.
I don't know how much I pay forit, but my point is like I
utilize them.
(27:06):
If you call an attorney, it's a500.
It's a three to consultationfee, legalshield you can talk to
an attorney that same day aboutyour issue and then they refer
you to a practice and you can doyour research and retain an
attorney or not, and it'sunlimited, unlimited
consultations, unlimited,unlimited consultations.
(27:27):
So we really want to think aboutwhere we're putting our money
in and how we're investing it,because some, some people like I
, don't need that.
Well, you know what Legalshield Take care of your traffic
ticket, you don't have to go tocourt.
They don't have to go to courtAll of those things.
You want to have your financescovered all the way around.
You know knowing how to get out.
If you have that, what can wedo to get out of debt, to free
(27:50):
up that money?
So now we have more to invest,so that you know you will never
hear a successful person talkingabout how much money they have
in the bank Never.
Even if you don't invest yourmoney, your money is being
invested, but who's making themost off of it?
You or the bank?
The bank?
Bank, because that's how theygive out the credit card loans,
(28:13):
the mortgage loans.
You know all of those things isdone with your money because
they take your money and theyinvest it at a higher interest
rate and they put it back outinto the economy.
But if they can do it, whydon't we do it?
Because we don't know how.
We don't want to ask questions.
We're intimidated.
Intimidated, yeah, but we feellike, oh, I don't have anything
(28:34):
extra to invest.
Well, if you don't start savingand investing your money,
you'll never have anything tosay.
I can live financially free.
You're not working to afinancial goal.
You, you know everybody'sthought should be when will I be
at my first million?
What does it take to get to myfirst million?
And I'm gonna give you a simplescenario.
When I first came into thebusiness does it take to get to
my first million, and I'm goingto give you a simple scenario.
When I first came into thebusiness, I was able to get out
(28:56):
of debt my first year in thebusiness.
So that freed up about $5,000 amonth.
But now that's easy for anybodyto put $5,000 a month if you
have a house note and car notesand things like that.
Well now, if you're invested ina 9% interest rate, in
approximately 10 years you're aself-made millionaire.
It doesn't matter if you'reworking at McDonald's, it
(29:17):
doesn't matter where you workand of course you can't say
5,000 working at McDonald's.
But you know what I'm saying.
Average, if we show you how toget out of debt that frees up
your income, take that amount,place it in a higher interest
rate where you know where yourmoney is being invested than a
higher interest rate, where youknow where your money is being
invested in a life insuranceplan.
Also, people will tell youthey're investing your money.
Well, anytime you're doing aninvestment, you get a quarterly
(29:37):
statement.
You're not going to get aquarterly statement from an
insurance company becausethey're investing it, not you,
not.
You understand that now, sheila, you got, you have so much
information and I'm so I'mlooking at your awards.
Behind you, I'm like a hundredthousand dollar club, six
figures.
I'm in my office.
Yes, you, I only got one thingon the wall.
(29:57):
I got Andrew's handwriting onthe wall, but I don't have no
awards or anything but.
But I'm looking at this likeyou are filled with a lot of
information and a lot ofknowledge as far as life
insurance, investments and justthings.
Like you, you're a dentalhygienist that made your career
into something else and you tookthat to where you don't have to
(30:18):
be sitting in the operatoryworking for someone.
You, what?
Let me, let me, let me reverselike I don't want to get off
topic, but you made it so thatyou can get out of that
operatory and make money foryourself and do what you want to
do when you wake up and youhave your children, your
grandchildren, you have adoptivechildren like you.
(30:38):
You have put yourself in aposition to take care of your
family.
At the end of the day, like Idon't say no to take care of my
family, that's right.
I work when I want to and I'mable to.
I don't have to ask anybody fora day off or vacation.
I don't have to do anything.
I am in total control of mylife, and that's when you get
financially free.
Those are the options you have.
(30:59):
You have the option to do whatyou want when you want.
You don't have to ask for a dayoff.
And I see you notice that I'min my office this morning,
martell.
I'm here with my team.
How about that?
You want to work, to have yourown team?
You bet you want to be a boss.
You better get with SheilaMartell.
(31:24):
You're the boss.
Let's talk about the real boss,from sleeping on a mattress in
an apartment to what they say,the deed of a parking in the sky
.
I'm so proud of you, thank you,thank you, thank you.
I appreciate that, but I, Ijust it's the people around you
and it's a mindset, and once youput that little stuff out there
, that energy comes back to you,you're not gonna pay for life
(31:47):
insurance and then just don't donothing else.
There's gonna be a burningsensation in you, like, okay,
what else can I do?
What else should I be doing?
How else can I financiallyprepare?
Or, you know, just the will,just the living trust or
whatever.
We all have assets.
When you leave here, you'regoing to leave something.
It just depends what are yougoing to leave.
Are you going to leave thatwill or are you going to leave
that bill?
(32:08):
And some of y'all are going toleave a bill, and that's so
important.
I'm glad you brought that up,martell, because you can get a
will started for $38, man.
There's no excuse for no onenot to have a will.
And and you have, as you said,legalshield.
You can get your trust donethrough there so that you know
that there's no argument.
And I did want to bring thisfact up because this is
(32:28):
something that we all need toknow If you have life insurance,
do not put your children downas the beneficiary if they're
not 18 years old.
A lot of times agents won'ttell you that, but I want you
guys to know that legally, ifthere's anything left, they
can't touch it if they're underthe age of 18 because they're
not old enough and it winds upin probate court.
(32:49):
So you want to get your will orput your trust in place.
If you want to leave it to yourchildren, you put it in that
will.
I'm leaving it to so-and-sobecause of this age, but at this
age these assets belong to mychildren.
You have to put that in writingso that you have your assets
properly protected.
(33:10):
Okay, and there's differentways to do that.
But just know, if they're not18, don't put your babies down
as your beneficiary, not ifthey're not 18, so put down
another adult, but tell them youcan.
You can put I don't want, Iwant my kids to get this when
(33:30):
they turn right.
They're just the trustee overit until then.
But the assets are to bedistributed to the children,
because that's who you wantprotected, and I say that
because we have so manydifferent.
You have single parents, you,you have parents that just may
have babies and again, we don'tknow our day to day.
People die young.
You have babies that pass away.
(33:51):
My first death claim was on afour week old baby that had only
been on the policy for fourdays, and that's what keeps me
here too, because you have theopportunity to affect and change
people's lives had I not hadthe conversation with the 27
year old mother?
She had insurance on our job.
That's another mistake we make.
Having insurance is on our job.
(34:12):
Do you trust your job to makesure your family's going to be
properly taken care of?
Her job did not pay a dime onthe insurance, oh my goodness.
But we pay every dime, so don'ttrust.
Oh, I got it, I got it at my job.
Yes, I hear that a lot.
I hear that a lot.
No, a majority of the time ifyou read the contract, because
you don't have a copy of thepolicy.
(34:34):
The reason you don't have acopy of the policy with your job
is because you don't own it.
Your company owns it and at anytime they can say you know we
are no, we, we no longer docovering life insurance, or they
could.
What if they lay off everybodyor the the big business go?
Go well, you still got a family.
(34:54):
You need to put something inplace that you hold and you can
properly protect your family,not a job, wow.
So, sheila, where can peopleconnect with you to learn more
about it and to get financiallystable as far as insurance, and
you can reach me at I'll takepersonal phone calls at
(35:15):
770-722-5863.
I also have instagram, sheilapiso, and you can also reach me
by email at Sheila S-H-E-L-I-Adot P-I-Z-Z-O at Primericacom,
and I'll be more than happy justto ask you know, answer any
questions that you may have.
(35:36):
Right and again, it it's theconversation that needs to be
had, and this is.
This is just a regular personlike a she, a dental hygienist,
that done got out of the on andactually Sheila has put on not I
want to say put on, but you'verecruited other brown girls that
have done very well sellinglife insurance as well, and that
have made it their income.
Yes, absolutely so.
(35:58):
Everyone who's looking like I'mburnt out, I don't know if I can
do this.
You do this from home.
You wake up and do what youwant to do, what you love to do,
and you're helping people, andI say you always have whatever
you do, you have to help people.
If you help people, it willcome back to you.
Yes, and I think you changepeople's lives just like you're
doing.
Martell, maybe the hygiene isnot for you, but just like
(36:23):
hygiene.
I'm Martell, hadn't seen anoperatory and I don't know when.
So just understand that dentalhygiene is a platform.
We're all unique, we're veryspecial people and it's the
beginning of what we're about toembark on our journey.
It's not the end.
Always know that it's astarting place.
It's not where we stop, it'sjust where we start and I don't
(36:47):
think hygienists are going tohave a hard time doing that,
because our passion is to help.
We want to make business, wewant to heal.
You know we're healers, so it'susually when we do get out we
do something for people.
Yes, I love it.
Love Brown Girl RDH.
Love what you're about, lovewhat you stand for.
And thank you so much, martell,for making this a platform for
other.
You know, inspired.
(37:09):
You're an inspiration to othersto own their own business, to
do well.
We just love you so much andthank you for what you're doing
in the community.
I am always 100% support behindyou know, in everything that
you do, I'm there, I know, youknow, and everything that you do
, I'm there, I know, I know andI keep you.
Look, some people I got saved ascontact.
Other people are just numbersyou one of my contacts on the
(37:31):
list is that you're, you're,you're.
It was a post that said yournet worth is in your contact.
You better say that it said itwas in your contact.
It's in your contact, I'm no.
No, I'm sorry I said it wrong.
Hold on, reverse y'all.
I'm sorry.
Your net worth is in your calllog, not your contact.
(37:54):
There you go.
That's what it was, becausecall log, text message log you
up in there.
I got a lot of contacts on myphone and it's true.
It's true, the people who arereally valuable, they're going
to be in your call wall.
That's right.
Those are going to be thepeople that you connect with.
And I met Sheila in 2020, andwe're still trucking on.
In five years, ten years,fifteen years, we're still going
(38:15):
to be here.
We're going to be trucking on.
I promise you.
Yeah, absolutely.
But anyways, thank you guys forlistening to another episode of
dental-ish season three.
We'll see y'all later.
Bye.
Welcome to Dental-ish .
Okay, this is season three.
This is episode one.
I am here with my good friend,sheila Pizzo, and I really
wanted to get on here and giveyou guys some value and talk
about financial literacy andbeing prepared to financially
(00:20):
set your future up.
When I met Sheila, I didn't knowanything about being
financially prepared lifeinsurance, any advisements, none
of that.
I thought it cost a lot ofmoney so I'm like, let me not do
it.
And now I got life insurance onlike six or seven people and
I'm like, let me see who else Ican put some life insurance on,
because we always talk about howwe talk about and we read about
(00:43):
how life insurance is thequickest way to make your kids
and your family and you know,your family members millionaires
and leave them without a debtand burden.
And when I spoke with Sheila, Ididn't realize how inexpensive
it was and how less complicatedit was.
I always thought it wassomething that was super
(01:04):
complicated.
Like you know, in order to getlife insurance, you have to get
blood work done and you have todo these tests and stuff and you
know, just knowing howconvenient it was and simple, I
was like other people shouldknow about this and it just
really broke my heart.
Every time I see on Facebook,gofundme is for people's
funerals kids' funerals, babies'funerals and it's special to me
(01:29):
and it hits home for me becausemy brother's funeral he didn't
have life insurance and I had topay for it and I'm still paying
for it because I put it on acredit card.
But when I spoke to Sheila Iwas like, yeah, same thing
happened to me, like I was oneof those people.
So I'm always, always pushingfor people to connect with
Sheila and she's a brown girl,already age, and she's a boss
and she's the grandmother andshe has a whole what you got
(01:53):
four babies that you're takingcare of.
Now I take care of three babies, one grandbaby and three
children in my home that, yeah,I passed my time for raising
kids, but God saw differently.
So we do what we have to do.
We do we have to do.
So welcome everybody, sheilaPizzo, sheila, welcome, and I'm
(02:15):
happy to have you, and I'm doingmy little claps because I don't
got the button yet.
We're gonna get it.
Yeah, so you know, tell thepeople a little bit about
yourself, how long you've beenpracticing, how you got into the
field of dentistry, and thenwe'll go on to like when we met
and then how we, how we got here.
Ok, well, first of all, thankyou, martel, for even thinking
(02:38):
about me to be, on Dentalish,very proud listener and friend.
We go way back and you know.
Thank you for just giving methe opportunity to share more
information when you said thatit breaks your heart about
GoFundMes and so forth.
That is one of the reasons whyI do what I do, because I'm very
passionate about what we dohere, because so many families
(03:00):
do go financially broke orburdened or in debt because they
don't know who to have theconversation.
Debt because they don't knowwho to have the conversation
with, or they don't know who totrust, or, again, they don't
know that it is inexpensive.
So a little bit about myself.
I've been a hygienist since2006.
And now I am still a hygienist.
(03:21):
It's my first love, becauseit's not work, but I'm more in
the financial advisor side now.
I'm 51, a lot older than you,martel, but you know I'm a wife,
a mother, a grandmother, afriend, a confidant, a sister, a
daughter.
And you know I have sevenchildren myself, ages 32 to two,
(03:42):
and three of them are mybiological.
I raised, you know, three otherchildren and that I have
permanent guardianship of.
And how dental hygiene wasintroduced to me was by my
dental hygienist.
And at the time, guys, I didn'teven know what a dental
hygienist was.
That's embarrassing.
(04:02):
You know she was sharing withme.
You know she says what's yourinterest?
And I said, well, I was innursing school but I didn't
finish.
She's just our regularconversations in the dental
office, right?
And who knows, theconversations that we have with
other people can change theirlife.
Because it changed mine.
What if she didn't ask me whatmy interest was?
Maybe that was my window ofopportunity and it was.
(04:26):
It truly changed my life, justthat one conversation.
And, believe it or not, thatconversation was meant to be on
that day because she left thepractice.
I never saw her again andthat's something.
But she introduced me to thefield of dental hygiene and she
said I said, can you write itdown?
So I remember what the programis that I'm looking for.
(04:48):
And when I first applied toClayton State, I was accepted.
That's not on the norm.
You know how hard it is to getin dental school and financially
I couldn't afford it because Iwas already.
I was already a homeowner.
I was already married.
You know children in schoolalready and it didn't look like
I could just quit at that time.
(05:08):
Wait, you said that it was in2006?
No, that was before 2006.
I was actually accepted thefirst time in 2003.
The next time it came you know,it's like every two years it
was 2004.
Every two years they acceptedthe program.
So I was originally accepted in2004 and I didn't go because I
(05:30):
didn't have the funding, whichthat's another thing.
Martell, I have to say to you,I'm so super proud that you have
the scholarship funding,because there's so many people
that want to change their lifeand they don't have the funding,
and Brown Girldh is a vehiclefor that.
I love the fact that you guysare giving scholarships out, so
I'm 100 supportive of that aswell.
(05:53):
As you know which I didn't knowthat at that time, but 2000, the
next time to roll into dentalhygiene, I had a conversation
with my husband and my parentsand I said you know this doesn't
happen often.
This is the second time I'vebeen accepted and at my age and
you know, at this time, you know, they told me when I went for
(06:17):
the interview that you couldn'twork full time and they were
talking about how rigorous theprogram was.
If you wasn't married, don'tplan on getting married, don't
have no children, all of thesethings I had already happened in
my life.
So I'm thinking I don't knowwhat they talking about, but I'm
coming and I did what I had todo because when the young lady
(06:37):
told me they started 32 an hour,imagine back in 2006,.
Somebody saying, oh, you canmake 32 an hour.
That seems like a lot of moneyuntil you start making it right.
But I was grateful and I got inand, guys, I maintained a
full-time job so the inevitablecan be done.
(06:59):
It's a mindset thing.
You do what you have to do.
Yeah, it's all about what youput your mind to do, you're able
to accomplish.
I worked the entire time, fulltime, while I was in the dental
hygiene program.
I went from day shift to nightshift.
I worked outside on theairplanes and what I did was I I
(07:19):
took down a promotion frombeing a courier to working on
the flight line and I would putmy note cards.
Whatever we did in class thatday, I would make note cards.
We all know about the notecards and hygiene right.
I would put them in my pocketand study while I was out on the
flight line at night.
So it was consistent.
I did put the hours in.
It's just how you put the hoursin Right.
(07:41):
You was working on somebodyelse's time.
You was like, all right, youdon't have me stand out here,
I'm gonna make sure I can do.
You was maximizing your time,that's right.
That's right.
Every downtime I had the notecards in my hand.
They used to have, like thedental index to study for the
board exam.
I would take a stack of cardsevery single day until I got
(08:03):
through all those sections overand over again.
So you just do what you got todo.
You do, you do, you do.
And that's going to make, likewe always say, you are who you
are.
So when you get in that dentalpractice, you're going to
maximize your time because youknew that I had to do this and
do that and make it away andit's a mindset and it's just not
like, okay, where's the nextperson?
(08:25):
You're taking the initiativeand you're taking control of
your, your life and you knowthat's one of the things that
not even your life, your future,your past, the generations to
come.
We talk about generational well, generation, generational
curses, all of that stuff.
But we know these things, butwe just like I'll get to it
later, I'll get to it later andthat was one of my things too.
(08:46):
So what, I think I met you intwo.
It had to be 20, it was 2020.
It was during covid that I metyou, because I remember
distinctly I was on the floor onthe mattress and I was on the
phone with you and I was sayinghow tired I was and I was trying
to do this the life insuranceand I was just like, oh my god,
I gotta was trying to do thisthe life insurance and I was
just like, oh my god, I gottaget this phone like this, like a
(09:07):
talk me and talk me, and talkme, talk me.
I was so irritated, but it hadnothing to do with you, it had
to do with my situation.
Like I was literally on themattress in an apartment and I
just didn't.
I was not, my mind was just Idid not know.
I did not know what was next.
But you stayed on, you likelet's just get through it.
I was not, my mind was just Idid not know.
I did not know what was next,but you stayed on, you like
(09:28):
let's just get through it.
I was using the Wi-Fi from thegas station next to the
apartment complex, like I didn'teven have Internet.
It was, it is.
But think about how many timesyou still made the sacrifice.
What you did know was theeducation I was sharing with you
at that moment.
And, just like I tell everybodyelse, you're here now.
We don't know what's going tohappen when we get off the phone
(09:50):
.
We're not predicting death, buttell me, any person knows their
date of death?
Nobody.
And right now you have children.
Right now you have assets.
Right now you, you have thethings that you need to do, what
you need to do.
But why do we alwaysdeprioritize our families?
(10:11):
I tell people all the time whenyou're putting life insurance
on the end, I'll get to it.
When you're putting your familyon the end, why do you get up
and go to work every day?
It's to protect your family.
But if you don't put things inplace, how is that family going
to be protected?
Because you didn't get to it?
You're going to leave two loveletters.
One is going to say I'm sorry Ican't be here anymore, but I
(10:33):
made sure that you were okay.
The other love letter is goingto say I was intending to do it,
I just didn't have time.
I'm sorry, there is no inbetween.
It's one or the other.
What do you want that loveletter to say?
That you love the people thatyou love and care about the most
, right, actually, you know I'malways make a joke about
(10:55):
something, but you know in theobituary things when it says in
love and memory, you need to putyour love letter what you said
I'm sorry, I was gonna get to it, please give it.
That's your last words.
Those are the last words toyour family if you don't get
that life insurance.
Okay, and and and in theory,because I remember my mom
(11:17):
calling me when my brotherpassed away and she was like um,
the casket is gonna be sixthousand, the funeral is gonna
be nine thousand, the plot isgonna be blah.
I was like huh, I did not evenknow and luckily I had.
I had a credit card at thattime and I was just like here,
mom, put it, put it on this.
And it was just the saddestthing ever.
(11:37):
I did not.
You don't know what's expensiveuntil you go.
You don't know what's valuableuntil you go, and I always say
how many's valuable until you goand I always say how many cell
phones have people had?
Iphone, this iPhone, thatupgrade, this, upgrade that and
they put it on the back end.
Oh, you can get a thousanddollar iPhone and break it up
over five years and all you'repaying is $19.
Well, guess what?
How about that?
(11:58):
And guess what else they do,martell?
They put insurance on a cellphone.
They put it out of their life.
Isn't that something?
Isn't that something?
The analogy is here.
I'm just going to be quiet.
You put insurance on your cellphone and not your life, and not
your life.
You value that cell phone morethan your life or your car or
(12:22):
whatever is insured, more yourcareer.
There you go Every year.
You plan for that license, youplan for that malpractice
insurance, you take any lasercourses, anesthesia courses,
everything you're putting valuein.
But then you're sitting therelike I'll get to the life
insurance part and you knowthere has to be someone on this
(12:48):
side fighting for us and ourcommunity to be educated better.
That is where my passion comein.
It's not so much that peopledon't want to do life insurance,
it's the lack of education.
It has not been a priority.
Our grandparents had it, butthey had the wrong kind.
When we talk about differentlife insurances, a lot of people
don't get it because they don'tunderstand well, which one do I
(13:09):
get?
Do I get whole or do I get term?
They don't understand thedifference between the life
insurance.
So I go in very detailed depthon the education of that.
Most people will get whole lifebecause they feel like, well,
if I get whole life, that meansit lasts me for my whole life.
That's not what whole lifemeans at all.
When they talk about infinitebanking, you can borrow from
(13:31):
yourself.
Well, think about this.
You pay your car insurance,your cell phone insurance.
Can you borrow from thoseinsurances if you don't break
your phone and you don't damageyour car?
No, so why in the world wouldyou borrow against your life
when you only get one?
You got to make the money makesense.
And when you first get thosepolicies, the first year, let's
(13:54):
say you're going to over what?
What you're borrowing isoverpaid premiums, that's the
first thing.
Money borrowing is overpaidpremiums that's the first thing.
Right, money.
So the first two years they'lltell you well, you can't borrow
anything because there's nothingthere, because that money only
grows at a maximum of 4%.
So if it's only growing at amaximum for 4% and what you're
(14:17):
putting in may be little tonothing.
Let's say it's $200 a month.
Well, you don't have anythingin three years.
You want to borrow $100 afterputting $200 a month into a
policy, and then when you pay itback, you got to pay it back at
6% to 8%.
Or if they say you don't haveto pay it back, it comes off the
face value of the insurance.
So now what happens when youdie?
(14:38):
Your family got not only to paythat loan back, but they got
less coverage than you startedwith.
Make it make sense.
It's just got to make sense.
So my question is what is thedifference in layman's terms and
basic?
What is the difference betweenwhole and term, and which is the
better one to get?
(14:58):
Term is always going to bebetter.
You can listen to any financialguru suzy, orman, david I can't
think of his last name, but youknow who I'm talking about.
But anyhow, term meansimmediate.
That's with my company, andeverybody's term is not the same
as well, because you have somepolicies out there that starts
off term that converts to hold.
(15:20):
So you definitely got to makesure you have someone that
understand insurance to readthat policy because it can also
be misleading.
Not all terms work the same,but you want term because it
immediately if something happenstoday.
Do you want your family to betaken care of today or they're
told two years?
No, it's not in effect yet, sowe can only give you back the
(15:43):
money you put in and averagecost of burial is $15,000 in
2024.
You haven't put $15,000 into apolicy in the first year, the
first six months, so you want tomake sure in term is always
going to be cheaper.
Why?
Because it's pure lifeinsurance.
It's solely on your life.
So you may pay $80 a month fora $300,000 policy.
(16:07):
Well, what could $300,000 doversus a $25,000 as a whole?
Because you're going to pay thesame thing for a whole life
policy but it becomes veryexpensive because you're
borrowing that.
But look at term as $300,000.
It might pay off your home, oreither half of the home.
It could pay off the debt.
It could put your family in thesame financial position.
(16:29):
What life insurance is for is tomake sure your family can
maintain the same lifestyle or abetter lifestyle in the event
that something happensprematurely.
The reason I say prematurely isbecause no one ever expects
death.
It just happens.
We know our date of birth, wedon't know our date of death and
(16:50):
if you don't have things inplace to accommodate your
lifestyle, there will be afinancial devastation within
that family You're going to.
You know you don't just losethe person, you also lose their
income.
So let's say that there's twoworking parents and you have
children.
If one parent is bringing home$60,000, the other one is
(17:11):
bringing $100,000, what will a$25,000 or $50,000 life
insurance policy do for thathousehold?
That's the questions we need toask ourselves.
It'll bury me, but what happensafter burial?
They still got to eat, theystill got to live and they don't
have your income coming inanymore.
(17:31):
So what is it that we can do toaccommodate that?
We go in, we purchase lifeinsurance, but that's not the
only thing, martell.
We want to teach communitiesthat you get the life insurance
in place when you're youngbecause it's affordable, it's
cheap, you have two to threetimes the amount of coverage
that you need, but also startinvesting for yourself.
(17:52):
That's the plan.
So if you're paying less on theinsurance, whatever your budget
is, also have you an investmentplan, and most people don't
even know you can start aninvestment with as low as $25 to
$50 a month, so the sametimeframe that you have that
life insurance place for 25 to30 years.
Imagine if you're putting moneyin a financial investment for
(18:16):
the next 25, 30 years.
Not only are you planning forretirement and financial
well-being in 20 to 30 years,when you don't have that term,
which you can keep it untilyou're 95, but the idea is to
have an option, right?
So if you have the plan in placeprematurely, if something
(18:37):
happens, your family is okay,but you also have this
investment in place because oneday you're going to retire and
what we do know is jobs do notprepare us for inflation.
Almost everyone is doing a sidehustle or something else
because the jobs is not cuttingit, jobs do not keep up with
inflation.
So what else does that mean?
(18:57):
If you only have your 401k withthe job and if the job is not
keeping up with the inflation,where would that put you at
retirement?
You're going to run out of yourmoney.
Yeah, the Walmart super centerPassing out little stickers have
a nice day?
Yeah, because if you, you haveto save your money, because one
day your money is going to saveyou.
(19:17):
Oh, yes, you have to.
So we have to think about, notjust right now, not just the new
issues that came out.
If we really took our time andthought about how much money we
spend on advertisement or stuffthat we see on TV.
It's a distraction.
It's supposed to be there sothat we are consistently
(19:38):
financially controlled by thesystem, so that we are
consistently financiallycontrolled by the system.
We talked about that with theeclipse, where everybody went
out and wiped out the grocery.
There's no grocery.
You're going to spend all ofyour money money that you didn't
have to spend Because they wantyou to live in fear.
They want you to live in fear.
You have to be in control.
One thing we have to learnearly on now that I'm so
(20:01):
grateful for in the financialindustry that I was introduced
to is that you know you have toprepare for now and later, not
just what's going on now,because we don't know what
tomorrow may bring.
(20:22):
Happened drastically how haveyou left your family?
And that's something we need topause and think.
Okay, if God decided this wasmy last day, because he's the
only one who makes that decisionhow am I leaving my family?
Will they be okay financially?
They're not going to rememberthe extravagant birthday parties
, the, the name brand shoes, theyou know the stuff that we buy,
that this is.
They're not going to rememberthat stuff.
(20:42):
Yeah, and that's what I said.
I said I saw a um, somethingabout somebody some prom last
year or year before two promstudents were killed in a tesla
and they were doing a go fund mefor the funeral and I was like
wow, wow, oh, my god.
So they did this, not to saytake away from the experience of
(21:03):
prom, but they did all of thatand did it.
I'm pretty sure the tesla wasinsured, but the babies did not
have life insurance.
And if you get in now, yourchildren are covered with some
of these plans at no additionalcost.
Well, the plan that I offerhere, when you pay for one child
under the age of 18, it doesn'tmatter how many children or
(21:26):
grandchildren you have, they'reall covered.
So imagine you know no one'strying to get rich off their
child's debt, but somethingbeats nothing.
I hear you talk about yourbrother.
So imagine $14.95 would havecovered $25,000 a month.
Where do we spend $14.95?
You can't even get gas for$14.95, but it would immediately
(21:52):
paid out the $25,000 to makesure you know your child or your
brother or your loved one iscovered, and it is a touchy
subject.
No one wants to talk aboutdeath.
But one thing for sure is thatif you're living, you definitely
have an expiration date.
We're all going to check out wedon't know when, but why do we
run from the responsibility ofmaking sure we're all going to
(22:13):
check out?
We don't know when, but why dowe run from the responsibility
of making sure we're prepared?
People will just avoid theconversation and they also make
it seem as if you know that.
You know it's so funny People.
You know I'll follow up onpeople because I care so much
about what I do, especially if Iknow you don't have any
coverage.
I know what it will do to thefamily.
(22:33):
I've been there in bothinstances.
But you have to think when aperson is reaching out to you,
it's for your own good, it's foryour family.
My family is financially set.
If anything ever happens to me,they're in way much better
shape.
They're going to be instantmillionaires.
Why are we not doing that?
Why are we not?
(22:54):
You know, if you leave yourchild, let's just say a half a
million, even if you can'tafford that, let's just go with
300,000, right, it's definitelygoing to cover the burial.
Well, with the financialeducation.
Guess what they could do withthe other 150?
They can invest that or evenput it in an annuity where they
(23:14):
know if they're not in control,they have money coming back.
There's so many things that weare not taught about financial
literacy, regardless of ourdegrees.
Hygiene pays really well, buthow many hygienists are still
into buying the Gucci bags don'thave life insurance.
You know, just you know, andit's not just us, it's everybody
(23:36):
.
Sometimes I review doctors'insurance policies and they have
the wrong plans in place.
So the education is so neededin every field.
You know, we have to just trulyunderstand, and I think that I
think the I don't know if it'sthe intimidation part of life
insurance.
Or you know what do you do, orI don't understand it, and what
am I paying for if I don't seeit?
(23:57):
But it's one of those thingswhere you, when you talk to my
mom, remember, when you talkedto my mom, what did she tell you
?
And I was like she's not goingto get life insurance.
She told you when I'm gone,it's not going to matter.
She said when I'm gone, it'snot going to matter.
She said it ain't going tomatter.
She said to me oh my gosh, Ican't believe you brought that
(24:17):
up.
Your mom said well, I ain'tgoing to know they can throw me
in a ditch or something.
And I said to her I said I wantyou to think about this.
Do you think, if something wasto happen to you, that they
would throw you in a ditch, Isay, or if something happened to
one of your children, would youhave that same mindset that you
(24:39):
could, you know, just throwthem in a ditch or something?
She says no.
I say they don't have thatmindset either.
And if we don't do something toput coverage on you, what you
have done is put them in a muchworse financial position,
because if there's no coverage,the money got to come from
somewhere.
So you've put your children ina position to where they can't
even mourn properly becausethey're too busy raising the
(25:02):
funding to make sure they canbury mama.
I said they love you, just likeyou love them.
So if you wouldn't put them in aditch, don't say that they can
put you in a ditch.
Right, and the sad part aboutit y'all is I was going to pay
for it.
I just needed her to sign thefreaking paperwork.
She didn't have to pay for it,she didn't want to do it.
I'm like you're not paying fornothing.
(25:22):
My gosh, this mindset, honey.
They look at that as that'smoney that could be going in the
house or something else.
But you have to think no, listen, if we don't make our family a
priority, who do you expectthat's going to come in and say
you know what?
I need to put life insurance onthis person because their
family is not going to do it?
(25:42):
No one is.
Yet when we go out and we eatfast food, we buy these name
brand clothes, we do theseextravagant parties.
Guys, we're making someone rich, we're investing in their
family and their financialoutcome and we're leaving our
own family to figure it out.
You guys figure that outbecause we went over here and
(26:04):
had a good time for a fewmoments.
You go out to eat.
You're flushing it down thetoilet.
You might as well have took themoney and flushed it in the
toilet.
You might as well took themoney and flushed it in the
toilet, but you'd rather do thatthan make sure your family is
okay.
We got to start thinking verydifferently about when it comes
to protecting our loved ones andalso when it came to the life
(26:25):
insurance, then I was like allright, life insurance.
And then you start seeingcertain stuff.
You know certain stuff is goingto pop up and there's going to
be little reminders.
Okay, let me think aboutinvesting, or let me think about
my trust or my will, or let methink about other things.
And, sheila, you told me aboutlegal shield.
I thought legal shield was ascam.
But when I tell you I calllegal shield every single month
(26:46):
about something for personal andbusiness, I love it.
I love it, I do.
And what do they do?
Legal shield?
They'll review contracts foryou.
They'll write contracts for you.
They'll refer you to attorneys.
Your attorneys have a flat rateand I then I think I'll pay
like less than a hundred dollarsfor both policies.
I don't know how much I pay forit, but my point is like I
utilize them.
(27:06):
If you call an attorney, it's a500.
It's a three to consultationfee, legalshield you can talk to
an attorney that same day aboutyour issue and then they refer
you to a practice and you can doyour research and retain an
attorney or not, and it'sunlimited, unlimited
consultations, unlimited,unlimited consultations.
(27:27):
So we really want to think aboutwhere we're putting our money
in and how we're investing it,because some, some people like I
, don't need that.
Well, you know what Legalshield Take care of your traffic
ticket, you don't have to go tocourt.
They don't have to go to courtAll of those things.
You want to have your financescovered all the way around.
You know knowing how to get out.
If you have that, what can wedo to get out of debt, to free
(27:50):
up that money?
So now we have more to invest,so that you know you will never
hear a successful person talkingabout how much money they have
in the bank Never.
Even if you don't invest yourmoney, your money is being
invested, but who's making themost off of it?
You or the bank?
The bank?
Bank, because that's how theygive out the credit card loans,
(28:13):
the mortgage loans.
You know all of those things isdone with your money because
they take your money and theyinvest it at a higher interest
rate and they put it back outinto the economy.
But if they can do it, whydon't we do it?
Because we don't know how.
We don't want to ask questions.
We're intimidated.
Intimidated, yeah, but we feellike, oh, I don't have anything
(28:34):
extra to invest.
Well, if you don't start savingand investing your money,
you'll never have anything tosay.
I can live financially free.
You're not working to afinancial goal.
You, you know everybody'sthought should be when will I be
at my first million?
What does it take to get to myfirst million?
And I'm gonna give you a simplescenario.
When I first came into thebusiness does it take to get to
my first million, and I'm goingto give you a simple scenario.
When I first came into thebusiness, I was able to get out
(28:56):
of debt my first year in thebusiness.
So that freed up about $5,000 amonth.
But now that's easy for anybodyto put $5,000 a month if you
have a house note and car notesand things like that.
Well now, if you're invested ina 9% interest rate, in
approximately 10 years you're aself-made millionaire.
It doesn't matter if you'reworking at McDonald's, it
(29:17):
doesn't matter where you workand of course you can't say
5,000 working at McDonald's.
But you know what I'm saying.
Average, if we show you how toget out of debt that frees up
your income, take that amount,place it in a higher interest
rate where you know where yourmoney is being invested than a
higher interest rate, where youknow where your money is being
invested in a life insuranceplan.
Also, people will tell youthey're investing your money.
Well, anytime you're doing aninvestment, you get a quarterly
(29:37):
statement.
You're not going to get aquarterly statement from an
insurance company becausethey're investing it, not you,
not.
You understand that now, sheila, you got, you have so much
information and I'm so I'mlooking at your awards.
Behind you, I'm like a hundredthousand dollar club, six
figures.
I'm in my office.
Yes, you, I only got one thingon the wall.
(29:57):
I got Andrew's handwriting onthe wall, but I don't have no
awards or anything but.
But I'm looking at this likeyou are filled with a lot of
information and a lot ofknowledge as far as life
insurance, investments and justthings.
Like you, you're a dentalhygienist that made your career
into something else and you tookthat to where you don't have to
(30:18):
be sitting in the operatoryworking for someone.
You, what?
Let me, let me, let me reverselike I don't want to get off
topic, but you made it so thatyou can get out of that
operatory and make money foryourself and do what you want to
do when you wake up and youhave your children, your
grandchildren, you have adoptivechildren like you.
(30:38):
You have put yourself in aposition to take care of your
family.
At the end of the day, like Idon't say no to take care of my
family, that's right.
I work when I want to and I'mable to.
I don't have to ask anybody fora day off or vacation.
I don't have to do anything.
I am in total control of mylife, and that's when you get
financially free.
Those are the options you have.
(30:59):
You have the option to do whatyou want when you want.
You don't have to ask for a dayoff.
And I see you notice that I'min my office this morning,
martell.
I'm here with my team.
How about that?
You want to work, to have yourown team?
You bet you want to be a boss.
You better get with SheilaMartell.
(31:24):
You're the boss.
Let's talk about the real boss,from sleeping on a mattress in
an apartment to what they say,the deed of a parking in the sky
.
I'm so proud of you, thank you,thank you, thank you.
I appreciate that, but I, Ijust it's the people around you
and it's a mindset, and once youput that little stuff out there
, that energy comes back to you,you're not gonna pay for life
(31:47):
insurance and then just don't donothing else.
There's gonna be a burningsensation in you, like, okay,
what else can I do?
What else should I be doing?
How else can I financiallyprepare?
Or, you know, just the will,just the living trust or
whatever.
We all have assets.
When you leave here, you'regoing to leave something.
It just depends what are yougoing to leave.
Are you going to leave thatwill or are you going to leave
that bill?
(32:08):
And some of y'all are going toleave a bill, and that's so
important.
I'm glad you brought that up,martell, because you can get a
will started for $38, man.
There's no excuse for no onenot to have a will.
And and you have, as you said,legalshield.
You can get your trust donethrough there so that you know
that there's no argument.
And I did want to bring thisfact up because this is
(32:28):
something that we all need toknow If you have life insurance,
do not put your children downas the beneficiary if they're
not 18 years old.
A lot of times agents won'ttell you that, but I want you
guys to know that legally, ifthere's anything left, they
can't touch it if they're underthe age of 18 because they're
not old enough and it winds upin probate court.
(32:49):
So you want to get your will orput your trust in place.
If you want to leave it to yourchildren, you put it in that
will.
I'm leaving it to so-and-sobecause of this age, but at this
age these assets belong to mychildren.
You have to put that in writingso that you have your assets
properly protected.
(33:10):
Okay, and there's differentways to do that.
But just know, if they're not18, don't put your babies down
as your beneficiary, not ifthey're not 18, so put down
another adult, but tell them youcan.
You can put I don't want, Iwant my kids to get this when
(33:30):
they turn right.
They're just the trustee overit until then.
But the assets are to bedistributed to the children,
because that's who you wantprotected, and I say that
because we have so manydifferent.
You have single parents, you,you have parents that just may
have babies and again, we don'tknow our day to day.
People die young.
You have babies that pass away.
(33:51):
My first death claim was on afour week old baby that had only
been on the policy for fourdays, and that's what keeps me
here too, because you have theopportunity to affect and change
people's lives had I not hadthe conversation with the 27
year old mother?
She had insurance on our job.
That's another mistake we make.
Having insurance is on our job.
(34:12):
Do you trust your job to makesure your family's going to be
properly taken care of?
Her job did not pay a dime onthe insurance, oh my goodness.
But we pay every dime, so don'ttrust.
Oh, I got it, I got it at my job.
Yes, I hear that a lot.
I hear that a lot.
No, a majority of the time ifyou read the contract, because
you don't have a copy of thepolicy.
(34:34):
The reason you don't have acopy of the policy with your job
is because you don't own it.
Your company owns it and at anytime they can say you know we
are no, we, we no longer docovering life insurance, or they
could.
What if they lay off everybodyor the the big business go?
Go well, you still got a family.
(34:54):
You need to put something inplace that you hold and you can
properly protect your family,not a job, wow.
So, sheila, where can peopleconnect with you to learn more
about it and to get financiallystable as far as insurance, and
you can reach me at I'll takepersonal phone calls at
(35:15):
770-722-5863.
I also have instagram, sheilapiso, and you can also reach me
by email at Sheila S-H-E-L-I-Adot P-I-Z-Z-O at Primericacom,
and I'll be more than happy justto ask you know, answer any
questions that you may have.
(35:36):
Right and again, it it's theconversation that needs to be
had, and this is.
This is just a regular personlike a she, a dental hygienist,
that done got out of the on andactually Sheila has put on not I
want to say put on, but you'verecruited other brown girls that
have done very well sellinglife insurance as well, and that
have made it their income.
Yes, absolutely so.
(35:58):
Everyone who's looking like I'mburnt out, I don't know if I can
do this.
You do this from home.
You wake up and do what youwant to do, what you love to do,
and you're helping people, andI say you always have whatever
you do, you have to help people.
If you help people, it willcome back to you.
Yes, and I think you changepeople's lives just like you're
doing.
Martell, maybe the hygiene isnot for you, but just like
(36:23):
hygiene.
I'm Martell, hadn't seen anoperatory and I don't know when.
So just understand that dentalhygiene is a platform.
We're all unique, we're veryspecial people and it's the
beginning of what we're about toembark on our journey.
It's not the end.
Always know that it's astarting place.
It's not where we stop, it'sjust where we start and I don't
(36:47):
think hygienists are going tohave a hard time doing that,
because our passion is to help.
We want to make business, wewant to heal.
You know we're healers, so it'susually when we do get out we
do something for people.
Yes, I love it.
Love Brown Girl RDH.
Love what you're about, lovewhat you stand for.
And thank you so much, martell,for making this a platform for
other.
You know, inspired.
(37:09):
You're an inspiration to othersto own their own business, to
do well.
We just love you so much andthank you for what you're doing
in the community.
I am always 100% support behindyou know, in everything that
you do, I'm there, I know, youknow, and everything that you do
, I'm there, I know, I know andI keep you.
Look, some people I got saved ascontact.
Other people are just numbersyou one of my contacts on the
(37:31):
list is that you're, you're,you're.
It was a post that said yournet worth is in your contact.
You better say that it said itwas in your contact.
It's in your contact, I'm no.
No, I'm sorry I said it wrong.
Hold on, reverse y'all.
I'm sorry.
Your net worth is in your calllog, not your contact.
(37:54):
There you go.
That's what it was, becausecall log, text message log you
up in there.
I got a lot of contacts on myphone and it's true.
It's true, the people who arereally valuable, they're going
to be in your call wall.
That's right.
Those are going to be thepeople that you connect with.
And I met Sheila in 2020, andwe're still trucking on.
In five years, ten years,fifteen years, we're still going
(38:15):
to be here.
We're going to be trucking on.
I promise you.
Yeah, absolutely.
But anyways, thank you guys forlistening to another episode of
dental-ish season three.
We'll see y'all later.
Bye.
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