113. Buying a Hotel, Breaking the Rules: Ange Matthews on Redefining Wealth Freedom

Episode Transcript
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Ange Matthews (00:00):
Every time I step to the plate and I say like, do

(00:02):
I deserve this? Why me? God isalways like, why not? Why not
you? Why don't people get to seethat they can really be a young
mess up?
And I mean, if we could swear onthis, I would totally swear.

Kate Northrup (00:11):
But can swear.

Oh, it's called the y f u. A y f up. Right. I
could really mess a lot ofthings up and the strategy that
I have in the Happy InvestorMethod, it's so forgiving.

Hello. Welcome back to Plenty. I have such an
energizing episode for you todaywith Angela Matthews of the
Happy Investor Method. So Angewent from working a job that she
did not like making $40,000 ayear in over 6 figures of debt

(00:41):
to becoming an investor selfmade passively. Her story is
unbelievable.
She is effervescent and we'regoing to talk about in this
episode how to get overfinancial regret, how to get
started investing, and why youdo not need to be out of debt

(01:03):
first. And in fact, you shouldnot wait any longer, and how she
makes her decisions about herinvestment portfolio versus
investing in her onlinebusiness. Her story is
absolutely incredible andinspiring. And if you know that
you are here to be prosperousand abundant, you have to listen

(01:26):
to this woman. Enjoy theepisode.
Welcome to Plenty. I'm your hostKate Northrup and together we
are going on a journey to helpyou have an incredible
relationship with money, time,and energy and to have abundance
on every possible level. Everyweek, we're gonna dive in with

(01:49):
experts and insights to help youunlock a life of plenty. Let's
go fill our cups.

Speaker 4 (01:57):
Please note that the opinions and perspectives of the
guests on the Plenty podcast arenot necessarily reflective of
the opinions and perspectives ofKate Northrup or anyone who
works within the Kate Northrupbrand.

Hi, Ange. Hey, Kate. Thank you for being here.

Thank you for having me.

Okay. So yesterday on my group coaching
call in Relax Money, which isthe program I run for people to
help heal their relationshipwith money, I got asked a
question and it's a question foryou. Okay. And I told everybody,
tomorrow I'm interviewing thewoman who's gonna answer this
question, so I'm not gonnaanswer it, and you need to wait
until the Plenty episode comesout. So the question was, how do

(02:36):
I and it was a funny question.
I liked it. How do I I think thequestion was, how do I make
money fast, which is always likea great one, right? We could
talk about timing, so that I canget out of my nine to five. And
when I heard your story, I wasinspired, blown away, like, so

(03:02):
excited to dig in more, and Ithought that if you were in a
nine to five that you didn'tlike and you wanted to get out
of that life and createsomething new for yourself and
you were to do it all overagain, would you do the same
thing, or would you do itdifferently?

So in terms of timing, timing is everything.
And if it was me now with twokids, I would totally do it
differently. Okay. But becauseat the time when I, you know,
ditched my nine to five, and Ireally just peaced out, I did a
slow burn and so they were clearI didn't wanna be there, I was
clear I didn't wanna be there,but I didn't have the financial

(03:44):
means to just leave. And so, Ijust did exactly what they paid
me to do.
I wasn't a horrible employee,but

I did stop doing the most like a lot of people
do.

And I started taking that most energy and
allocating it to businessendeavors. So, I think you're on
the right path. If you're in agroup where you're thinking
about with your otherentrepreneurs, you're thinking
entrepreneurial endeavors, makesure that you make money the
fastest way you can. And to me,that's always gonna be who has
the most influence on your bankaccount right now, and that's
you. So, even if you were tohave an investment, the odds of

(04:16):
the investment working out mightnot be as high if you're just
starting your investing journey.
It's kind of like finding ahusband or a partner. Odds are
if you're just getting out thereon the dating field, the person
you land on odds are isn't it.Odds are, right? Could be, but
probably isn't. However, if youwork on yourself, well then the
odds of you getting to your goalmuch better.

(04:36):
So for that person, I would saycreate your backup plan now,
think about your exit date. Doyou want us to be six months
from now, a year from now? Justdon't get on a whim and say,
hey, I don't wanna be here, I'mgonna quit. Because you don't
wanna find yourself going backto a toxic environment just
because you need money. So bestrategic about it, make a
runway, and then what you wannado is start incorporating

(04:57):
investments just in case it getsthere a little bit later than
anticipated.
So that's how I kinda go aboutit. When I did it, like I said,
I eventually just gave noticeand no, we had a meeting and
they were like, you know that Iknow that you know that I know
none of us want this. And I waslike, cool, so that equals
unemployment, right? And theywere like, yeah. And I'm like,
touche, this worked out.

(05:19):
Don't do that. I was 22, don'tdo that.

Oh, yeah. I mean, that's a different time. There's
when we're in our earlytwenties, it's like there's just
so much of a feeling, and ofcourse everyone's situation is
different, but there is more oflike, when you don't have other
mouths to feed, when you don'thave people depending on you,
you know, you can justtrampoline back a lot easier.
Absolutely. And yes, once you'rea householder, once you got

(05:45):
kids, once you whatever, it's adifferent story.
But I loved hearing how you werein you had consumer debt or some
sort of some sort of debt, andyou were working a job for
$40,000 a year, and you didn'twait to become an investor until

(06:07):
you had paid off your debt oruntil you had a higher income
specifically. Tell me why andhow you got started with that.
Because the myth is that I can'tinvest until I'm out of debt,
and that is inaccurate.Absolutely inaccurate, and
here's why.

So when I thought about the money that I had
accumulated in debt, it was over6 figures, and I don't regret it
because I think it's such apowerful place to be in a
country where you can, based ona random obscure number, someone
is gonna give you a randomobscure number of access to
money and yes, it has a price,but I had no money and you just

(06:45):
gave me access to money.

It is such a privilege. Debt is a privilege.

It is an absolute privilege. I don't think people
really realize that.

You do not.

You know, it's just like wait, you don't even
know me? Like all based onnumbers, a social security
number, based on a score, basedon I don't even know what any of
this means, but you just gave meaccess to

Most places in the world do not have that and
like absolutely there's a lot ofshadow.

Right? Mhmm.

It's not all know rainbows and roses. However,
like to really get that I'm soglad you said that because
people just talk about it asthough it's this awful thing,
and it's like, no, actuallysomebody let you buy something
before you had the money in yourbank account. Yeah. Like, that's
amazing.

Yeah, absolutely. That money took me back trapping
or back tracking backpackingaround Europe, tracking amazing.
But, I was able to do that.That's And coming from Queens,
that really wasn't apossibility. And so, I swiped my
whole life away.
And

And you got an incredible experience.

And, I had an incredible experience, but then
Angela in that moment thought,if I had to calculate this
$40,000 a year and paying offthis, you know, debt including
student loan debt, it's gonna befor forever.

Yeah.

And then, thought, well, when do I get to
start focusing on Angela of thefuture? And, I know that my
present is not where I wanna beforever. And, so, I thought,
okay, well, you know what? If ifI don't pay the debt back as
soon as I can, it's okay,because I know where I'm going.
I know that I wanna be a multimillionaire in the future, I
know that my poorest days arebehind me, and if everyone has

(08:19):
to take a turn at being poor,I'm clear, I did my turn
already, like, many times over.
So, I'm clear, never going backthere. And, if I ever should,
I'm also clear on how to getout. Yeah. And, so, all that to
say, I realized that, you know,if I can invest a hundred bucks,
which was all I could afford atthe time, which is why folks
will tell me I don't have enoughto invest or you know, do I have

(08:41):
to invest thousands? And, I tellthem, actually no, you can get
started with as little as ahundred bucks because that's
where I was.
And, I invested that and I said,you know what, I'll put $20 of
that to savings and I'll use $20and the rest, I'm investing it
into my future and that's how itstarted. And so, eventually I
used the money from myinvestments to pay off my debt.

(09:03):
In fact, I didn't, I justrecently paid off 80% of those
student loans like two weeksago. Two weeks ago. Had a
phenomenal amazing.
You. I appreciate it. I didn'tthink it was gonna last this
long, but it's I'm 39 y'all.This was a while, so I did it.

Although, I know a lot of people paying into
their forties and fifties andbeyond, so

I have clients who are content with dying with
this. Like, they have alreadysigned it off, like, you know
what? But, I did it because, youknow, I said, this I can. I had
a really profitable month withmy investments. I made more than
I would have made in an entireyear.
I made more than what my momwould have made in an entire
year, in one month passively.And, I just was like, it's time.

Let me just pay it off.

It's time to close this relationship.

I love that so much. You know, my husband, when
I met him, he was in a bunch ofdebt. I was also in a bunch of
debt. Both of us thought we werefurther the other one was
further along than we were. Wewere both like, joke's on us.
But anyway, he said to me, partof his debt was was student loan
debt from his undergrad and MBA,and he said to me, I am one day,

(10:10):
I'm gonna pay this all off inone fell swoop. And I was like,
what are you talking about? Youknow, for him, it was like $80.
So that in the land of studentdebt, you know, is that a lot?
Is it a little?
I don't know. It's many. Havefriends who have had $750 in
student debt. So like, it's allrelative. But at that time in my
life, I was like, there's no wayyou're gonna pay off $80 in one

(10:30):
fell soup.
But we made one business move,and I remember I came home that
day, and he was he had just gotanother shower. He was in his
towel, and he was doing hislittle dance, and he was like, I
just did it. I just paid it alloff today in one fell swoop, and
so I just like really wannahonor what a big deal that is
for you, and just like, ugh, toCarrie, what

does it feel like? Honestly, it kinda feels
the same because I didn't reallycare about it in that way.

Yeah, exactly.

And I think a lot of people think about this when,
you know, in making millions oron the road to fighting the good
fight to earning wealth andhaving plenty and whatever that
means for you, you'll noticethat when you do get there, and
I I fully understand what aprivileged statement I'm about
to make cause Jim Carrey madesome nonsensical of a statement
once before, and I was like, letme figure this out when I get

(11:20):
there to see what I feel like.But in the moment, you know, an
example, again, last week, thishas been a crazy week for me,
but we went to a hotel inLouisiana that we co invested
in. It's a Wyndham. And, this isvery rare. A group of investors
pooled money together.
And and the same time, Iinvested in like a property in
Atlanta because it came up,right? And so, this is for me,

(11:42):
once you have capital, you tryto figure out where do I deploy
it so it could come back withfriends. And, I woke up that day
and the one thing my husbandlooked at me and he's like,
you're so giddy, like why areyou so excited? And, you know,
he's like, is it because we'restaying in our own hotel? And,
I'm like, no.
And, he's like, is it becausethe Atlanta property closed? I'm
like, no. And, he's like, whatis it women? And, I'm like,

(12:02):
we're gonna pet crocodilestoday. And, like, sure did go to
like pet crocodiles and it wasamazing.
Wow. And, but, you know, it'slike I feel like that. Like, I'm
like, oh that happened, yeah.

Right. Moving on. And, yeah,

I just in that moment, it feels good to think
about it and I can do avisualization to go back to Ange
freaking out having anxietyattacks about what we're gonna
do with that money, and Iprobably will do that. Yeah.
But, present Ange is just

grateful in this moment. Yeah. What you are
describing has also very muchbeen my experience with big
financial milestones where adecade ago or twenty years ago,
I would have felt like I wasrocketing to outer space with
reaching that milestone. But bythe time we are the person who

(12:57):
is, you know, making these sortsof investments, paying off large
amounts of debt, whatever it is,having the biggest month of our
lives passively, right, like,you've already sort of updated
your identity to be there overtime, which is why it's
happening. But what about whatwe see in the media with, like,

(13:21):
celebrities or athletes ordifferent people who all over
and this happens when peoplecome into inheritance or
whatever.
Right? I don't know your wholestory, but you and I have been
on a bit more of a step by stepprocess. What do you think about
the people who are just like,all of a sudden go from
struggling to like overnight,now they have all this money,

(13:43):
you know, millions of dollars orwhatever. What do you think
happens inside someone when thathappens that oftentimes leads
them to then not having it verysoon after?

I think there are a couple of things that come
into play, and I also think thatfor a lot of people this is what
prevents them from wanting more.It's almost like, yeah, you
know, I don't want to be thatone hit wonder. And so, better
to have never tasted it at allthan to taste it and desire it
forever. And, I think it's oneof those things where those
people didn't prepare theirnervous system. Right?

(14:17):
They didn't do the work. And so,that's why I feel as if there's
a reason why every time I get aup level in wealth, I don't mess
it up and go back to five stepsbecause I did the inner work to
understand that my net worthdoesn't necessarily equal my
worth. And, sometimes we're verycomfortable with the narrative
of being broke or of of alwaysbeing in need. Right? Sometimes

(14:41):
it is an excuse that, hey, Ididn't have access to the funds
to do x y and z, so that's why Icouldn't really step to the
plate and play all out.
And, sometimes our subconsciouswill miss that place and do
whatever we can to get back tothat place of financial just
muckiness. Yeah. Because we weplay well in that field. And so,

(15:02):
think for a lot of people, oneit's they don't actually know
what to do with it. Two is theymight think, okay, I'm going to
invest it and they put it intoyou know, their Uncle Tommy's
cousin's best friend Snooki'syou know, car wash that's coming
up.
Right? And and they gettargeted. Right? So, a lot of
time people don't talk abouthaving money and I think this is
why a lot of folks who have itdon't share it because they're

(15:24):
paranoid about being targets.And so, but they fall into
getting a target and then theyend up back into this unwealthy
place in their lives just sotheir subconscious could say,
see, you weren't worthy ofhaving it anyway.
See, you belong here. And,sometimes it's the outside
people that are like, see, youweren't worthy of having this.
See, you didn't belong here.See, you weren't meant to be

(15:44):
everything you thought you weregoing to And so, I think that's
what happens a lot. Then, alsosometimes people take on way too
much of a burden where they givefrom their own cup and not the
overflow.
And so, that money was theoverflow and then they maybe put
too many people on theirpayroll, they wanted to save too
many people, they didn't makefinancial boundaries, and then
they thought that when thingshit the fan that those folks

(16:08):
would show up for them, and theydidn't. And so, think a lot of
that happens, and you look atinterviews from people and a lot
of that happens.

It does. Have you struggled at all with a feeling
of, like, who do I think I am,or do I get to do this when
possibly other people in mycommunity or other people in my
family or whatever? Like,sometimes when we are the first

(16:40):
one in various areas of ourlives, I think, you know, anyone
listening can relate to beingthe first one in your lineage to
go certain places. Has that beena thing for you at all or or
not? Every time.

Okay. And so, this is also one of the reasons
why I don't look to see actuallyhow wealthy I am. I don't. Some
people check it all the time,and I tell my clients, if you
want to do that, cool, but Idon't suggest it. And because
you are the same regardless ofwhat you have.

Yeah.

And so, I don't on a day to day know how wealthy
we are, and maybe it could movethousands on a day to day basis
with swings. I have no idea.

Which is also totally normal with investments,
so watching it could give youanxiety.

It is, it's a very Yeah. I'm not a day trader
here, you know, like this is avery passive long term
relationship for me, and so it'salmost as if I were to track my
husband's every singlemovements. I I just go crazy,
like I just don't need to know.It's better for us not to know
that, Just stress wise. Yeah.
Same thing with our money. Andso, to that point, every time I
hit a new milestone a couple ofthings trigger in. One is, oh my

(17:42):
gosh, nobody else is here doingthis, I'm on a skinny branch.
And, I could get pushed, youknow, and that's real. The other
thing that's super real thatI've had to think about is, you
know, my ancestors were onceproperty, like Claire, African
American from The Caribbean.
And, investments, property. And,so to think that, you know,

(18:05):
there's some things to thinkabout there for me, and I think
about an inheritance made right.And so every time I have those
doubtful things, I think aboutall the reasons why it should be
me. And so I think, well Ireally wasn't the best in
school, right? How do I end upbeing one of the top whatever
percentage people they say whenI really wasn't that smart in
school?

(18:26):
This is a narrative that Ithought had to be. You had to be
smart to have money. That's whythey told us to go to school.
Right? But, I wasn't, you know.
I found the grades, I found Iwent home, unpacked my mom,
unpacked my stuff and found likeI was like a c minus student
consistently. Mhmm. Right?Because I had some undiagnosed
like neurodivergent stuff goingon. But, every time I step to

(18:46):
the plate and I say like, do Ideserve this?
Why me? God is always like, whynot you? Like, not you? Why
don't people get to see thatthey can really be a young mess
up? And, I mean, if we couldswear on this, I would totally
swear.

You can swear.

Oh, it's called the YFU, a YF up. Right? I could
really mess a lot of things up.And, the strategy that I have in
the happy investor method, it'sso forgiving. Like, there's
nothing that's going to stopthis money from coming to me.
And, I deserve every single bitof it because I don't keep it
all to myself. Yeah. And, so aslong as you focus on that, it's

(19:19):
okay. As long as you focus onbeing, you know, I told God a
long time ago, I I get that noteveryone will have this. But, if
I'm the doorway for every singleperson in my life to have
wealth, I'm okay with being thedoorway.

So great. That makes me cry.

I know there was a lot to unpack there, but when
you step up, there's differentthings at different moments and
you're gonna have to pull upthese different cards because
it's really just a race againstyourself. And, it could be
yourself lifting you up, and itcould be yourself tearing you
down. Yeah. And, there's a lotof stuff in our DNA that's like
also coming to bat when we step

to bat. Okay. So the happy investor method, I
know you created because youlearned yourself, and you just
figured shit out becauseeducation is actually, I mean,
yes, of course, I think we doneed to invest in, like, good
education, but all theinformation in the world is
available for free for the mostpart. And so I heard you tell

(20:16):
your story of going to the greatlibrary of Google and figuring
out at that job how you weregonna do this. So can you walk
us through some of those earlysteps?
I even for me, I've been aninvestor for decades, and I

(20:39):
still was like, I have a lot tolearn from this woman. So, yeah,
tell us, what did you do?

So, I made a lot of mistakes and I'm also quite
frugal, so I googled, you know,how you become rich. That's
actually I didn't I don't know.I didn't. I know wealthy people
now, but it's funny when you'retrying to be wealthy, you really
don't know a lot of otherwealthy people and the wealthy
folks don't want to talk to youbecause they don't know how
committed you are. And, thisalso wasn't in the time where
you could pay for experience.

(21:06):
And, so I love the time thatwe're in now where you can pay
for someone else's shortcut.Yeah. Like, I wouldn't be where
I am now if I didn't invest inmy education, right, or invest
in knowing. So, after I Googledand Googled and came up with you
need to start investing and Ifound Warren Buffett. And, this
is why I was in Omaha earlierthis week across the street from

(21:27):
Berkshire Hathaway, which is thecompany that Warren Buffett is
the CEO of.
And, Warren Buffett is thegranddaddy of modern day value
investing, which is the style ofinvesting I preach. Okay. So, it
was very much like being aroundmy granddaddy. I did not meet
him, I did drop a letter though.

That's amazing. I had to shoot my shot. Love that.

And so, found him and I I did interviews and he
said, you know, invest in greatcompanies that are successful
around you. And, not allcompanies around you are
successful, and I learned thatthe hard way. And, so, when I
started investing it was beforethe last recession, the the
02/2008, '2 thousand '9recession. And, I did work in a
bank before Goldman Sachs, andso I knew there was a lot of

(22:09):
money out there, but I lost a Iwould have lost a lot of money,
but I didn't freak out. Theysaid everything's unrealized,
like none of this is real and soyou click sell.
And so, was just like, you know,this ain't my story. Mhmm. You
know, everyone out here losingmoney, this is not my story, and
I just doubled down on It'sgonna stick. I'm gonna stick and
I'm gonna fight it, I'm notgonna look at it, and every time

(22:29):
I got paid, just kept onthinking this is like a Macy's
one day sale. All the things Iwanted to afford, could not
afford before, but now I can.
And, that's how I am now. Everytime I got money, I said,
alright, I'm going to investsome of it, I'm going have fun
with some, and I'm going toinvest some. And then I started
noticing that there weren'tother methods out there that did
that. I did funds and I didstocks, and a lot of people just

(22:52):
did either or. A lot of peopledid day trading, and I'm not a
day trader.
I used to work at a bank. Youit's really hard to beat them.

Yeah. Yeah. When they're sitting in front of
those six ginormous screens allday and shouting at each other
down on the sex, the whole thinglike gives me

anxiety just thinking. Exactly. It's just not
yeah, if it's not yourpersonality, don't do it. Yeah
yeah yeah. So, that's whathappened and I actually forgot
about it, you know.
After that job, I quit that job,I went to India, had my whole
coming of age into me, and Iforgot the investment accounts
because it was for

like Really?

Later. I don't know.

Just Interesting. Yeah.

And so, lot of people ask me about selling too.
I made I made 25%, should I sellnow? The stock doubled, should I
sell now? And, for me, I don'treally sell unless I have a
reason to. Unless you're

going to invest it in something else.

Unless I invested in something else or unless I
have a life event that I need Iwant to be funded by Yeah. Like
free money. Yeah. So, if I'mpurchasing a home, if I want to
take a trip around the world, ifI want to throw my mom a lavish
70 birthday party, right? Yeah.
Totally worth cashing out on.Yeah. Otherwise, it's just there
for later. So, I forgot aboutthem, and that's when I saw the

(24:02):
power of it.

That's so beautiful. Okay. So, you're
really a long term investor. Areyou so when I talk to a lot of
investing experts, if you will,though, as I told you, you're
the first investing expert onPlenty, which is so fun.

I'm honored.

It's amazing that I can manage to talk about money
in so many other ways, because Ithink we're like in our the
episodes in the seventies, andwe still haven't gotten to
investing. But anyway, here weare. It's perfect timing. So a
lot of people say, you know, youcan't beat the the market
essentially with picking stocks.Just invest, just like robo

(24:42):
invest in in funds and, youknow, EFT's, which I don't even
know what that stands for.
What does an EFT stand for?

ETF. Thank you. You're thinking, you know

It's an electronic funds transfer.

You're thinking Oh.

Oh, the emotional freedom technique.

Yeah.

Which I'm familiar with too.
EFTs are something different. Okay. ETFs.
Oh, what is it? Exchange tradedfund.
Thank you. Okay. So just forthose listening, I want you to
know, you can build a great networth and actually be really
good with money, and ask prettysilly questions. I just gave

(25:21):
that as an example. Like, Iconsider myself really good with
money, and I'm actually superconfident about money, and I'm
also not afraid to ask thequestions that I don't know the
answers to, even when they quoteunquote should be obvious, so
other people would call it astupid question.
I don't believe in that. Okay.So, ETFs. Yes.

Say it again. Exchange traded fund.

What does that mean?

So an exchange traded fund is typically you'll
have a fund which I consider afund a bag of jelly beans.
Right? And in the bag of jellybeans, you've got your red,
yellow, popcorn, I don't know,snot, whatever Harry Potter's
is.

Popcorn ones are disgusting Yeah. In my opinion.
Licorice is just disgusting.

Oh. But in my opinion, anyhoo, each of these
beans represent a company. Andinstead of individually
investing in, you know, popcornjelly bean, you're just gonna
invest in the whole bag of jellybeans and knowing that the bag
of jelly beans in itself willbecome more valuable over time.

Over time.

And so that's a fund. Typically, a fund could be
managed by a a like a guy,right, a mutual fund, you know,
Wall Street dude, that's amanaged fund, and then you have
an exchange trap fund that youcan just get on the regular
stock market that anyone caninvest on. Yeah. And so for an
exchange traded fund, typicallyyou'll have a fund where you can
invest in the whole stockmarket. You know, every time

(26:36):
folks are like, invest in thewhole stock market.
But if you're a regular person,you're like, what does that
mean? Do I have to actuallyphysically go to a market and
buy everything? And you'reprobably thinking a grocery
store and buying everything,which is madness. Madness. Like,
cool in theory, not inpracticality.
So, a fund is actually somethingthat you can just purchase and
own the entire stock market. So,an example of this would be

(26:57):
Vanguard's VTI, very popular.Yep. This is not investment
advice, by the way. This ispurely education and case study.
Have to drop that in Thank you.Do not put all your money into
the market, investing involvesrisk. Things might not seem
typical, all that fun stuff. Allthis to say you can't sleep on
our couches if you put all yourmoney into anything we say here.

(27:18):
Period.
Clear. Great. Work cover. Yeah.Okay.
Okay. So, as you start gettingthis stuff, right, you can just
invest in VTI and you can buy apartial share or a whole share
of something, and so you can puta hundred bucks into the stock
market, right? You can do SPY,which is a S and P 500 fund, and

(27:39):
every time when I was, I alwaysput like a hundred bucks every
single month into it. Yeah.Because I know over time the
stock Dollar cost averaging.
Dollar cost averaging. So, ifyou wanna play and put a baby
toe in this game, you invest inan ETF, a Now, to the question
of is that all you need? I dofind that for some of us who
need to catch up, for some of uswho didn't necessarily grow up

(28:02):
with a ton of money at ourdisposal and do not have an
inheritance, for some of uswhere we came to the table a
little later than we shouldhave, well you need to play the
catch up game. And a fund Idon't think is really the best
in catching up. Okay.
Right? For some of us who areinvesting in our thirties,

(28:22):
forties, fifties, right, whichis fairly late for investing for
your long term future. If youcan pick individual stocks, well
that can actually give you twoto three x the performance of a
fund, which is why I alwaysadvocate for understanding some
form of analysis. But, there areshortcuts to analysis, right?
So, an example would be, I havea lot of medical professionals

(28:44):
in my field, in our tribe.
And, it's really crazy becauseagain, we're all at the same
level of trying to figure outhow to make our money grow.
You'd think a doctor or amedical professional would have
enough money to be okay for therest of their lives.

I am born from two of them, and I am well aware
that that's not
the case.

Not the case. I know. I'm just like, dude, you
did everything right. How didyou end up

It's the illusion of the careers that you think
you're set. Like, there's nosuch thing as getting the right
job or the right profession andbeing taken care of. There is no
such thing.

There absolutely isn't. We're all playing the
game of making money, and thatbigger game is what did you do
with it?

The bigger game is what did you do with it? I
have a lot to say about thatthat I want to ask you about,
but carry on.

And so for me, I think to myself, there are
shortcuts to picking companies,and you have insider knowledge,
not insider trading, but justyour own inherent I think that
you can match investments topersonalities, you can match
investments to secreting thelife you want to see in the
world. So, for a doctor, youknow, I'll just say, hey, have

(29:50):
you ever invested in McKesson?McKesson is pretty much a supply
company for gloves andeverything in the medical field.
Okay. You go to your doctor'soffice, look up, you're going to
see McKesson.
Now that I've said it, you willsee it Got it. And so, but
doctors have been seeing iteverywhere. They've used it
since they were in grad school.

Sure.

And that stock alone has probably three to four
x ed over the last five, six,ten years. So as long as they've
been in medical school, theycould have been investing in
something that made theircareers possible. So looking
around

at what we're spending money on, looking
around at like what we know,because you said that you were
when you first got started, youhad this jewelry business, and
you were getting all yoursupplies for it from Amazon. So
you were like, I wanna invest inAmazon. So are you saying In
research. I did. So, are yousaying like invest in what we

(30:45):
know, or is this differentadvice?
It's invest in what you uniquelyknow.

So, everything everyone knows Walmart, everyone
knows Amazon now, but at thetime they didn't know to the
degree I did. And so when Istarted working, I was at a tech
firm. And when they denied myraise, I kept on saying, you
know, it's okay. Oh, so everyonethat I hire needs to have Adobe
experience? I'm going to buyAdobe Stock.
Oh, you hired us to redo thiswebsite, they're going make a

(31:13):
ton of money later. I'm going tobuy that stock. Right? Something
that you uniquely know. Oh,we're entrepreneurs and we had
people coming on Zooms prepandemic, I'm going invest in
Zoom.
Was a great idea. It was a greatidea.

Yeah. Smart. No. It's like and so it's so
obvious. Like it is so It's like, ugh.
Yes. Okay. And so, it's

like that. It's it's what do you have? I call it
a triple advantage, right? And,so for me, I'm investing in
something that I give money to,I need to make them give money
back to me as well so that I canalso just own it. An example
like Zoom or even investing inMasterCard or Visa.
I'm a business owner. I takethose payments. Yeah. And so,
and I pay people with it. Yeah.

(31:56):
So, I pay Visa, Visa pays me. Ithink I should own Visa.

And, they pay you. Yes. So great. It's very
regenerative. It I love thinkingabout cycles and how can we
create more closed loops where

it calms back. Exactly. It's about closing the
loop in these relationships. Andso, when folks do something or
oh, I had a bad business month,well let me go look at my other
companies. Did I really have abad business month?
Because I own a lot ofcompanies. So, maybe this
company might not have beengreat because it's cyclical and
business is cyclical, butsomeone else was at the bat for

(32:30):
me, and I'm very thankful forthat.

So beautiful. Yeah. It's it's such a it's such
a wise way of mitigating risk,and also truly experiencing I
mean, I believe in the energy ofabundance is available at all
times, and also, like, thepracticality of if I plant my
seeds in a lot of differentgardens, and those different

(32:55):
gardens are having variousdegrees of different kinds of
weather, different kinds ofsunshine, different kinds of
water conditions, differenttypes of farming. Like, my
seeds, some of them are gonna dogreat Mhmm. Because of that.
Okay. So I love that so much.So, obviously, you teach this in
the happy investor method forpeople who, you know, wanna dive
in, and they're like, I I wannalearn from this woman. Okay. Do

(33:18):
you have and you may not be ableto answer this question, so
that's fine.
But, like, do you have someguidelines for folks around just
figuring out, like, how muchthey can afford to invest or how
much they should allocatetowards paying down debt versus

(33:43):
building up what I call acushion fund. I don't like the
phrase emergency fund because Idon't like to save for an
emergency. I like to save for acushion. Cushions are all sorts
of things. And so how much theyshould invest, like, for these
different things in their lives,of course, I don't actually
believe in rules, and I don'tgive people rules in my program,

(34:04):
but I am always curious what'sunderneath the philosophy of
other money experts, like thosegauges?

Yeah. So I have something called e cig, which is
earn, save, invest, give. And soyou earn your money, and when
you earn it, you save some ofit, you invest it, and then you
give. If you have debt, that s,that saving part gets fifty
fifty ed, and so you save half,you invest half, maybe the give
also gets fifty fifty ed and yougive less and you put it towards

(34:35):
investing, which is actuallyreally cool because once you
understand how to invest, I havesometimes had to give slack on
my giving. I'm a giver and thereare many ways to give
financially, humanly,physically, all those things.
But, I just recently actuallyfound another way to give and do
a DAF, which is a I'm justfiguring it out now, but it's a

(34:57):
it's an investment accountspecifically for giving. Because
I have like really good taxproblems this year, so I have
been like really doing my workto

Gotta buy a truck. So, this is

the thing, everyone's like, have a
deductible, get a deduction, andI'm like, no, I am gonna like,
this deduction's gonna be aninvestment. Yeah. And so, I need
to figure out how to have myinvestments be tax deductible,
so I'm closing the loop. Cool.Right?
And so, anyhoo, there's a goodway to give and have it be an
investment account, and now Ican turbocharge my giving. So,
all this to say, if you have tocut back on your giving, it's

(35:28):
okay because once you figure outinvesting, you could come back
and complete the circle.

I love that.

And so and it's okay because they're putting you
first. So, e cig, earn, save,invest, give, I always tell
people, I always think aboutpercentages. And so, it's not a
dollar amount, and this is oneof the first things you learn
when you're on the path tobecoming wealthy. Right? You A
lot of people think, I want7,000,000, I want 6 figures, or
you know, 7,000,000.
That that works too. That soundsgreat. That I'm like, that

(35:54):
works. I'll take 2. That'scosine.
Yeah. Y'all want some Anybody?Yes.

Say it.

Yes. I want 7,000,000. Yes. You can just say
that right now in

your spirit.

And so, all that to say is it's about the
percentage gain. And so, do Iwant a 10% gain, a 20% gain,
50%, a %? Because if I only wanta thousand dollars and someone
says, hey, do you want a %?That's 2,000. Right.
Right? But, they could have alsosaid, do you want a thousand?
Okay. That seems like the same,but what happens when it's a
hundred thousand dollars? Do Iwant a thousand or do I want

(36:24):
10%?
I want my 10%, please. Yeah. Iwant $10,000. And so, this is
why percentages are important.And so, just start with a
percentage.
Right? If you have a hundredbucks, what does it look like to
put time? If you have athousand, what does it look like
to put a hundred? You know, ifyou have 10,000, what does it
look like to put a thousand?And, that's the way I typically
tell people to do it.

(36:44):
And then, also, give yourselfenough where it's like a
sacrifice of something that wasgoing be gone anyway. What does
this mean? I have a picture onmy phone of a screenshot, maybe
about five years ago of myfriends being in Thailand and
they took a girl trip and Ididn't go. And, it hurt so bad.
Mhmm.
But, I knew that I had aninvesting goal that year because

(37:07):
I invest for short and longterm. Short term meaning every
two to three years, I wanna havea windfall, not like wait till
I'm 69. I'm not climbing a MachuPicchu when I'm 69, probably
not.

Who knows?

Who knows? But, you know, the way these knees
are shaking out at this age, Idon't know what's to come.

Okay. No. We are going to talk about longevity,
but

come back. We should. We should. I'm telling
you, I look lean.

You cannot be talking about your knees like
that at the age of 39. I am.

Okay. No. I I am, and I am concerned for 69 year
old age.

You and I are gonna climb Machu Picchu at 69,
but we're coming back to that.Okay. But let's pretend you
wanna do it now.

Let's pretend I wanna do it now.

And later.

And later. Right?

With your bionic knees. Let's first
let's say that. Right? And so all this to say,
like, Kate, where
are we going?

We are going to you really want to be A windfall
every couple of have a windfallevery couple of years. Sorry.
And, with the windfall everycouple of years, I knew that
Thailand wasn't on the bucket,and it it was gonna suck for a
couple mornings. That's what my87 year old aunt Olive always
says to me when there'sheartache. When I had my first
heartache, she was like, it'sgonna hurt for a couple
mornings, and then it won't.

(38:17):
And so, time I do something or Ihave a a hurt, a loss, it'll
hurt for a couple mornings

Yeah.

And then it won't. So, the trip to Thailand,
screenshot, about three, fouryears ago, and I invested that
money. And, I invested it inprobably, like, my first five k
deal. Right? And, it's funnybecause I'd hear people at the
time talk about, you put 5,000in investment, and I was like,
you're crazy.
But then I was like, you knowwhat? I've been to Asia before,

(38:43):
let's be honest, Ange. I'venever done this type of
investment before. Either way,this money was going to be gone.
Let's just be honest.
It was going to be gone. And soI took it and I just transferred
it to this future dream. Iinvested in my future dream
rather than creating like amemory. And that's what you can
do too. Think about somethingthat you have on the docket for
this year or next year and say,you know what?
That was gonna be a really greatthing to have, but this would be

(39:05):
even better, and just reallocatethe funds.

For you, how do you check-in with yourself to
know? It is so frequent thatfolks are in that moment of,
like, okay. I have this futuredream, but I really wanna go on
the trip to Thailand. Right? Andit's like, how do you mitigate
inside yourself that desire forinstant gratification so that

(39:28):
you can be building your futureand also building the
satisfaction in the peace in themoment of knowing that you're
building your future.

Absolutely. So delayed gratification is the
name of the game, friends. Yeah.And, if you weren't brought up
with it, like I wasn't, my mamawould get money, it would go
straight out of her hands, Stillis to this day, we're working on
it. We will forever work on it.
I am clear. But, if you want topractice delayed gratification,
I think about, well, is thisexperience serving me today and

(39:59):
tomorrow? Like, is it helping meget to my goals? It's just
really that clear for me. Andthen, also think to the same
degree, have I experiencedsomething like this before?
Now, let's be real. I'm out herein these travel streets. Right?
Like, yes, I really really wannado it. I'm at Ingram 7.
FOMO is so It sucks. So freakingintense. It's like the way like,

(40:20):
I cannot wait for a close cart,and I'm like, my god, I
survived.

Right. No.
For for you saying no to that trip to
Thailand as a fellow sevenmyself, like, that is not the
same as when you're one of thosepeople who would prefer to stay
home with a book anyway.

No. It's like this is what I dream and live
for. Yeah. And, this is what Idreamed and lived for to do
these trips. But then, I thinkto myself, okay, are we going to
be able to ball out in Thailand?
No, actually all my friends atthe time was making way more
money than me and I was gonna bethe lower, like the one who's
just like, you know, maybe weshouldn't go to that restaurant,
right? And so that's not myvision for that trip. It's okay,

(40:59):
you know, I'm gonna go onanother trip. They always go on
girls trips, there will beanother girl trip and there was,
many others, right, with beachesand everything and so it's okay.
And if this hunch works out, Ican actually take my best friend
on a trip with me for free.
I could just say, hey, let's go.And that's what I do now. All
those times I didn't go toconcerts, I just took my cousin
to an Usher concert. Her firstconcert ever in her And it was

(41:21):
amazing, and we did VIP tickets.I always try to opt for VIP when
I can because, oh, the value inVIP is amazing.
It's always like triple thebase. Even though it might be
double the cost, I usually findVIP gives you triple the value.
Again, investor talk, right?

So No, but it's it's great
to know that for yourself, right? Because for
some people, like actually beingaround loud noises and crowds is
always gonna be a negative ROI.No matter Absolutely. What.
Right?
But for somebody like you, youknow, we were just talking about
this on our coaching callyesterday, like, if somebody if
I'm gonna spend a hundreddollars, let's say, on a
massage, I'm gonna get 10 xvalue on that. Like, unless the

(41:59):
massage is terrible, but that'svery rare. Right? Like but if
somebody's like, okay. I'm gonnatake you out for a hundred
dollar bottle of wine, I'm gonnaget a negative 10 x value on
that.
I don't drink. I don't likebeing around drinking. I don't
give a shit about wine. Like,that's not right. So to know
that for yourself, like, tospring for VIP is always gonna
be a triple value for you.

(42:20):
That's personal, and you you'vedone the work to know that about
yourself. And I just wannahighlight that because I think
we can get so swept up in whatother people think is a good
ROI. In the investor world, inthe business world. Right? It's
like everyone's doing thisevergreen funnel thing.
Everyone's doing this ManyChatthing. Everyone's doing, like,

(42:43):
high ticket DM sales. Everyone'sdoing you know, and it's like,
wait a second. But is that rightfor me? So I really wanna know
because you run an onlinebusiness and you also are an
investor, how do you do thatdance for yourself of the time,
the investment, the money todetermine, like, okay.

(43:04):
This money I'm gonna invest overhere passively in my stocks, in
my hotels, in my I don't knowwhat else you invest in, but
please feel free to share inother people's companies.
Broadway plays. Oh my god. Sofun. Okay.
That's the best. And then andthen how do you determine, like,
okay. But I wanna go in thismastermind, or I wanna go to

(43:25):
this event, or I'm gonna investin this software, or this
consulting, or whatever. Can youwalk me through a little bit of
those decision makingstrategies?

Absolutely. Because I I really do both. So,
I'm so glad you asked and for alot of people they might not
know because we talk aboutinvesting in ourselves and that
can be so many different ways.Yeah. And so, I'm clear that a
lot of businesses I'm clear onnumbers and statistics.
I don't I defy statistics, but Ido like to be aware of them.
Right? Just on an educated typeof front. Yes. And so, my whole

(43:54):
life I defy statistics.
The fact that I'm like a womanof color in a certain income
bracket defies statistics,right? Crush them. But, I still
like to know what they are. Andso, I know that, I don't know,
it's something ridiculous numberamount of businesses fail within
five years. I think it's ninetyfive percent.

Yes. Could be higher. Exactly.

And so even though the Happy Investor Method
is an amazing company and it ismy pride and joy and it is a
part of my life's work, I alsoknow the odds are stacked
against it. And though I knowthat I will always 100% be on
top as me, Ang, regardless ofwhat I do, I know and I'm aware
that the Happy Investor Methodmight be like AM Social Media or

(44:36):
might be like the jewelrycompany, which those two don't
exist.

And those were your previous Those were my
previous business. And

so, I have to think about am I investing? I'm
investing in Happy InvestorMethod and in myself as an
entrepreneur, but also how am Iinvesting so that I win period?
And that's what it is. It's I dofifty fifty oftentimes. I'll
invest in a high end mastermindwhich I recently did because I
knew that I needed to get backin the game.

(45:02):
I took a year off, like a miniretirement from business and I
shut the b to c down. And folkswere like, I wanna work with
you. It's like, yeah, I kindadon't do that. I wanna join one
of your programs that youlaunched, you know, like two
years ago. Yeah, I'm not reallythere right now, focusing on
investments and I'm focusing onlike the corporate arm.
And so I could do that becauseAngie in the past when I had
those huge like 6 figurelaunches or, you know, 5 figure

(45:25):
launches, I had the sense totake half of it and put it in
investments. And so, when I madethe decision to shut down the
B2C side except for like randomVIP days, I would look at those
accounts and my nervous systemwould be like, we're okay. It's
okay, we're not going back to40,000 a year. Like, it's okay,
you're not gonna be on thestreet. Like, it's gonna be
okay.
Like, we invested and we meetlike all the angers of the past.

Understood. Like

we invested so you in this present moment could
do what you have to do to takecare of

yourself. And

I need to make sure an ang in the future can
say that too. And so why I doboth, that's how I do both. And
I also think to the end of theday, even though I'm investing
in my business and paying for acoach or paying for a program or
something like that, that moneyis still going to somebody
else's social security number.Yeah. So, I need to make sure
that something comes back to mysocial security number And so I
do both.

I love that. As you're kind of coming back into
maybe, like, reengaging, I'mjust curious, did you just,
like, feel like it? You justtook the year and now you're
like, okay. Cool. Like, is itjust a new season?
Tell me about that decision.

Oh, geezum.

I I

say the weirdest things are the weirdest points,
so geezum's one of them. So, Ihave been getting a nudge from
God that it's time to get backin the game for a bit. I have
not done a public launch in overeighteen months minus last week.
And so, initially, it was, okay,I'm taking time off and I'm in a
holding period, I'm waiting, Iwas trying at everything,
nothing was working. I was like,you know, I'm just plugging a

(46:57):
cord out.
Nice. We're just gonna stopbecause clearly universe is
telling me I need to focus onsomething else. And for me, that
was my relationships,relationship with myself, my
husband, my kids, my body, and Ijust needed to take a beat
because it felt like a pivotalmoment for the Ang in the
future. I did that. And so everytime I queried in, was like, no,

(47:20):
this is our assignment.
My assignment was making our newhome, our new house a home, that
was the assignment. Theassignment was bringing in my
feminine energy in a way thatonly I could, that was the
assignment. I always ask God,what's the assignment? So then
God's been nudging me, okaygirl, so the assignment's about
to change and you're gonna haveto start preaching the good word
of you know, money loveseverybody. And then I'm like,
but I don't wanna launch.

(47:41):
I have so much launch traumabecause if you launch, sometimes
it could get crazy becauseyou're in there and you're
prying your hardest and youdon't know what you're gonna
get. And then the message gottoo big where I had to share it
and it threw me into a launch.And so that was about two weeks
ago and I I made a lot of moneylike I said a month ago, the
most ever from our investmentsthat I am aware of because like
I said, I don't check thisoften. But I checked it and I

(48:03):
was like, holy shmily, this iscrazy. Like, I think it ended up
being now we're at like ahundred and 25,000 for the Yeah.

Amazing.

Yeah. Ridiculous. Again, results not typical.

No. But I'm so glad you say numbers because
we're so often conditioned thatit's not okay to say the
numbers. And for folks, I thinkit's important to know even
though results are not typical,it is important to know what's
possible because you are a realhuman being sitting here who is
having this experience.

Absolutely, and there's nothing that separates
me from you or anybody elsethat's watching or listening to
this. There's nothing thatseparates us and that's the
point. And, numbers matter. Imean, there were times when I'd
go into a bank and I'd go intothe garbage to pull receipts to
see what other people had to seewhat was possible. That's
amazing.
Like, yeah, I mean grungy, butyes. And I would take out their
account number and I'd put myaccount number and I'd be like,

(48:56):
this is gonna be me. Or someonewould say like, yeah, someone
asked me to borrow $75,000 and Iwould be like, what? You have 75
ks to lend?

To

lend. Lend. Can we just sit in this? And I had
to hold my face like, you don'tsay, like what are you gonna do?
You know, like sip some tea.
And so I say numbers because itgives people permission to dream
and to see what's reality outhere. And my numbers, you know,
honestly, they're not thebiggest, they're people with
bigger, but they're mine. AndI'm gonna own it.

You're be proud of them.

And I'm gonna be proud of it. That's amazing.

You said that you went to Google and said, you
know, how how do I how do Ibecome rich? Or how do I Yeah.
Write something like that.Right? Because in your immediate
environment, it wasn't like youcould just go ask somebody.
Right? What do you think isdifferent about you as someone
who would even have the audacityto go Google that? Because so

(49:48):
many of us are just not givingourselves permission to even go
beyond what our immediate circlehas experienced. Like, we don't
even know it's possible. Nowthanks to the Internet, we
actually do know what's possiblein a way that is unprecedented.
Right? And that's really new.Like, it's in the last twenty

(50:09):
years that that has becomeavailable. And yet, how is it
that you were just like, I'mnever going back. I am always
going forward.
Money loves everybody. Like, howdid you get that way? Were you
born this way?

No. Actually, no. So but I I definitely was poured
into and it's funny because thequote from my dad came up to me
this morning. I haven't thoughtabout it for a year and it's
something he used to tell megrowing up and it's a very
conscientious thing and I fullyam aware as I say it that it
could come off very strange. Butit was, you are beneath no one

(50:45):
and you are better than most.
And he would always tell me thisand in growing up not knowing
how to understand it, there wasa point in my life where it did
breathe some like elitist, likean elitist mentality. But, come
to think about it, totally fineas a black woman I

honestly think that's great.

Who, you know I mean honestly, we probably had a
hundred dollars in the accountsevery single month of wiggle
room. We grew up not thepoorest, but not even close to
middle class. And so tocontinuously tell us this, but
we came from a country where wedid have money and both of my
parents, you know, came to thiscountry for an opportunity. So I

(51:23):
was always really clear that I'mthe opportunity here. And, I'm
also really clear that, youknow, my parents told me just
like everyone else tells theirkids who are immigrants, you
know, lawyer, doctor, which one?
And, my sister did the doctorroute.

Okay.

And they looked at me like, okay, lawyer,
clearly, I mean, you you talksense and you're sensical. And
when I went and saw how much itcost to be a lawyer, I was like,
this is a horrible decision,especially when I interviewed
lawyers. And so for me I

brought a generally happy crew. Now,
that's a generalization, butlike for a woman who was gonna
found a company called the HappyInvestor Method, that was
probably not gonna be your path.

Yeah, probably not. And so, me If

you're a happy lawyer, please feel free to send
me a DM.

Oh, and yes, let's celebrate you and

Yes. Talk

you out there because the reputation is not
good. Mhmm. And so, all that tosay, I'm one of those folks
like, rules don't exist in myworld. I just don't see them and
I've paid the price for it, butI've also reaped the rewards.
Yeah.
And so, even if someone outthere, I really don't believe
there's anything but differentbetween you and I or me and

(52:28):
Warren Buffett. Right? I canplay the cards that I were dealt
and get the same outcome. And soI say all this to say that you
just gotta keep fighting for it.And I went to India Many Years
after investing and I was like,where's my money?
I know I'm supposed to bewealthy. I know it to my core.
Right? A lot of us listening,you might feel that, I know it's
to my core. So, I went to thedude in India in Varanasi with

(52:51):
my sister and I'm like, where'smy money?

And you ask the man in India, where's

my Ask the money. He said, you can ask anything to
the universe. What is it?Where's my money?

I love this story so much. What did he say?

He's like, your money's here. What? Okay, I
don't see it on my bank account,like you know I charged this
trip, like I'll be so honest.And so I don't understand, you
mean it's here, oh your money'shere. And the way I received it
was, you know when you send anemail and someone's like, I
didn't get it yet?
You're like, I sent it. Andthey're like, but I didn't get
it. And you're like, well, it'sgonna come because I sent it.

(53:29):
That's how my money was. Andthen I just had to open up the
channels for it to come into me.
And so it was here and then thatwas probably a year later when a
lot of my wealth startedhappening. But it was grungy for
seven years of being being like,was working at it, but nothing
was hitting. Yeah. And then,yeah, it was me realizing that

(53:49):
it was here that actually made

it so. What did that feel like, the difference
between asking where is my moneyand knowing my money is already
here and opening up to that?Like, can you describe the
physical sensation or the newthoughts or any new behaviors or
patterns? It was, I think, likeit's like cry. Like a cry that

(54:14):
even in

this moment I wanna cry because it was like,
Okay, that's all you had to say.I've been running around here
going I've been probably notsticking with things as long as
I could have because I waslooking for something. The curse
of the seven. Yes, seriously. Itlike a mission now to find it

(54:37):
versus or to reveal it.
Yeah, totally. It felt more notlike a find, but a reveal. And
so, for me, even as I invest,I'm just like, maybe you're the
one because I have it, but thisis not what I know what I'm
meant to have like in itsentirety. Right.

You're in process.

I'm in the process. And so, when I invest
in, example, a hotel, when Iinvest in a startup, when I
invest in like Convertkit, whenI invest in these companies,
it's like maybe you're it. Andif you're not, that's okay too.
Right, because it's coming.Because it's coming some way.

Yeah. Like so there's a certainty. There's a
certainty. Which isfundamentally relaxing. It is.
At least for me. It is. It is.And so you and this

is a muscle. Right? I didn't pop out the womb
like this. It's a muscle thatevery time something happens,
every time I go to sleep and Ilook at my account and it even
goes up like a dollar. Okay, I'monto something here.
It's that I'm onto somethinghere, and then honoring that.

I love that so much. What do you do to
metabolize and release yourselffrom investments that don't go
the way you wanted, whether it'san investment in a company, in a
stock, in a, you know, Mike andI made an investment many years
ago, and it has become clear nowthat there was a huge

(55:56):
opportunity cost of thatparticular investment. And had
we made a different made adifferent decision with this
money, we would be sitting on alot more money now. And I've
been metabolizing it, and,mostly, it's, like, through my
system. But yesterday, it cameup again while I was digging
through the freezer.
I start going off, and Mike waslike, what is happening right

(56:19):
now? So I just wanna know, like,you know, woman to woman, how do
you deal with the inevitableloss when it doesn't go the way
you wanted or when you realize,oops, I could be sitting on a
lot more money now if eightyears ago I had made a different
choice?

There are a couple of these. And it's such a
clear answer, so in this momentit's a very clear answer.
Someone bumped into me and theysaw me speak at a conference and
then they saw me in real lifeand they're like their friend's
like, go talk to her. She'slike, oh my god, it's Ange.
They're like, go talk to her.
So they kind of like push herand she's like, hi Ange, and I'm
like, hey, like let's hug itout, let's kiki it, like I'm

(56:58):
here, I don't know if we'll evermeet again, so you might as well
use me. Yeah. Like if you eversee me in person, this is how I
am. And, so she told me about apast experience where she did
lose money and it was reallypainful and it was preventing
her from investing more. So,this is a very common thing and
it can stop you from gettingyour future blessings.
And I told her, was like, youknow, when you have a scar, it's
there to remind you of somethingthat could be painful, but it

(57:22):
doesn't hurt anymore. And that'sthe same thing for our mistakes
in life and our financialmistakes and blunders, right?
Initially, yes, it hurts. Ithurts like hell. But sometimes
we're looking at it again as ifwe're getting recut when it's
really just a scar.
And so you have to see it like,oh, but I'm not actually in pain
anymore.

Like

it worked out even though that didn't work,
I'm still working. It's working.

Right.

Right? And so that might just be a reminder to
you to say like, hey, I might beactually really good at making
other decisions. Right? Becauseclearly I am, I'm here. And it's
a scar, not an actual cut.
And as you can identify as like,this isn't a cut body, this is
just a scar. Like, and touch anactual scar on you, like, this
doesn't hurt. I see it. Like, Isee this cut right here, but it

(58:11):
doesn't hurt, like at all. It'sjust a reminder.
And that's it. And it's areminder that you are on the
search, that you're on amission. Right. And so yeah.

So good. So good. This has been an absolute
pleasure. I love learning fromyou. You're such great energy.
So if people wanna connect andlearn more about your work, the
happy investor method, whereshould they go?

So, I do email. I'm an email person. I'm I'm
starting to get more social, butit is a work in progress. And
so, you can find me on Instagramat Happy Investor Method, but if
you go toHappyInvestorMethod.com, there's
always an opt in or something inthere and that is where you will
get all of your actual gems.Amazing.
And, my list and I, that's howpeople always they know more

(58:56):
about me because I'm sotransparent about the journey.
Yes. And, I will let you knowabout the things that work,
things that don't work andsometimes I'll even drop a
little deal in your box, like,hey, I got an opportunity to
invest in like a Broadwaymusical, you wanna do this
together? And so it's reallycool.

And you say what musical you invested

in? The Wiz. And it's nominated for a Tony and
it's already paid a return.

It's on down So good.

That is literally what the LLC

is Really? Oh my god, that makes
me so happy. Okay, I love that. So smart to
double down on email, obviously,as a business owner, like we
cannot be building on rentedproperty. Email is the way.
Okay, I love that.

Email's the way.

Thank you for being here. So
happyinvestormethod dot com, geton Angie's

Yeah, there's always a freebie, but even if
you don't like the freebie, justput your name and you're gonna
get

The email

all the other amazing things that come with
being in the community and thetribe. Amazing.

Thank you.

Yeah. Thank you for having me.

This is so great.
What if managing money felt effortless? You've
worked so hard to earn money, sowhy does it feel stressful?
Well, I wanna introduce you tosomething brand new that I've
created called the money resetbecause abundance starts in your
body, not in your bank account.This free audio experience will

(01:00:15):
help you rewire your nervoussystem for wealth, stop the
money in money out cycle andcreate a foundation for true
wealth, and relax into a newrelationship with money. Plus,
it comes with the five minutecalm cash flow ritual.
So you can have financialclarity and magnetism anytime

(01:00:39):
you want. All you need to do toget the free money reset is go
to katenorthrop.com/reset.

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113. Buying a Hotel, Breaking the Rules: Ange Matthews on Redefining Wealth Freedom

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