Starting Where You are and Finding Success - Episode 9 - Get Your Money Right

Episode Transcript
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Amanda Miller (00:00):
cue it whenever you're ready. Okay

Unknown (00:04):
321

Sarah Schroeder (00:32):
Hello, welcome to get your money right Podcast.
I'm Sarah Bay, Sarah. I amAmanda. And this podcast is
brought to you by forwardmotion. Check the hat bow. We're
motion.

Amanda Miller (00:45):
Our mission is creating generational
prosperity, one family at atime. And we do that through
financial empowerment, educationand career development
education. We touch on a lot oftopics on this podcast,
everything connects with gettingyour money, right. So we've got
a solid episode for you today.
But before we jump in, yeah, sohere comes me with my fun fact

(01:11):
information time. Yeah. Allright. So

Unknown (01:20):
did you know it was illegal to own only one guinea
pig in Switzerland, you have topurchase two because they are an
animal that needs companionshipand Company. Oh, the country
does not allow you to purchaseless than two at a time.

(01:43):
So I didn't know that. And Ilove it in the queue. And all of
these, our American guinea pigowners, I think it's time for us
to really need to make a change.
Make a change and think about ifyou have a solo guinea pig.
They're probably sad.

(02:03):
They're probably said a wheel isnot enough. Yeah, and they need
a friend. Maybe Maybe this iswhy guinea pigs in America have
such short lifespans. Oh, yeah.
Don't they do though? Don'tI feel like they die all the
time. Oh, yeah. My guinea pigguy. Um, well, I will say that
is the rule at most like feedstores. For chickens. Chicks.

(02:26):
baby chicks can't just buy one.
Usually you have to buy two ormore. Oh,
yeah, it says, according toBackRub five to seven is the
lifespan of a guinea pig. Thelifespan is longer than many
other small pets such ashamsters, gerbils, mice, or

(02:49):
rats, all of whom live up to afew years only. Okay, all right.
That's me.
Yeah, I just felt likea pet for me.
No, not the pet for me. That'skind of sad. But yeah, if it is
the pet for you, make it a petfor to. Um

(03:22):
this is a this one I thought waskind of cool. So people are more
creative in the shower. Yep.
Than you are like just at workor in your car or anything else.
The reason for that is one theshower provides a safe and
relaxed or calming space. Um, italso relieves endorphins, the

(03:44):
same that like exercise, ormusic or things like that.
It makes sense. It makes sensealso, because like there has
there's, there's like a level ofclarity and focus in the shower
because like, you're notmultitasking. Like, you're kind
of you're, you know, you're kindof doing what you're doing. Now.

(04:06):
I wonder, Sharon, I think oflike, is there a market for?
Like in shower whiteboards?
Or like a mike Porter, likeYeah, like a note taker? Like if
you're very creative in theshower, are you are we losing a
level of creativity to nonwritten down or recorded shower?

(04:31):
Thoughts?
I think we need to take this oneoffline because we may need I
will try depending dollar idea.
PatentPending. Calm down what would we
call that? Oh, let's come upwith a quick name. Okay. So what

(04:53):
will we call it? Ha Would yousay
I said shower thinking that'snot good? That was bad.
Shower thoughts, shower power,power, thoughts, thoughts of the
shower shower. I like showerthoughts, shower thoughts.

(05:15):
Shower us with your thoughtscould be our slogan, that's
what's on the box. All right,again, patent pending. So let's
just hold down. This isn'ttaking notes yet.
That's all I had for today'sepisode.
I love it. Well, so we learned acouple of things. Everything.

(05:39):
You know, many, many animalsneed companionship guinea pigs
are no different. So if you aregoing to have a pet have a
guinea pig, as Sarah said, makeit a pet for two. And also write
down those shower thoughts. Youmight be having million dollar

(05:59):
thoughts while you're latheringyour hair, and we're losing
them, we're losing them to thedrain.
Wasted thoughts down the drain.
Don't be insane. And let yourthoughts go down the drain, get
shower thoughts where we turn weturn your

(06:22):
shower thoughts thoughts into areality we're into reality.
So, you know what? I think thisI think this loosely kind of
lends into what we're talkingabout today. Yeah, today we're
talking about, you know,starting where you are. So our

(06:44):
main topic today is, you know,there's there there's a thought
process or a thought block, Ithink that we get into as, as
humans, I hear it all the time Ihear it with individual clients
and just individuals in general,in workshops, and, and things

(07:05):
like that, where, you know,people really have this block of
all start when, right I'll startwhen I hit this certain level,
when when I'm making sixfigures, I'm gonna start
investing when I'm, when I buymy my own home, then I'm going

(07:26):
to start a garden. You know,it's always like, I'll start
when and, you know, I've alwaysloved the saying of tomorrow
never comes. But I found a quotein in my reading and research
for this episode, where it's anArthur Ashe quote. So Arthur

(07:48):
Ashe is a three time Grand Slamwinner. So he's in the Hall of
Fame for tennis. He was born in1943, in Richmond, Virginia. And
this is potentially possibly oneof his most famous quotes, but
it is start where you are, usewhat you have. Do what you can.

(08:09):
And, you know, I think there'ssomething to be said I chose
this quote because I thinkthere's something to be said
about, you know, someone likeArthur Ashe even if you're not a
tennis fan, you know, you didn'tfollow his his career or your
you don't, you know, kind ofhave a big knowledge base on
him. I think it's safe to saythat him being a black tennis

(08:31):
player, born in 1943, inRichmond, Virginia, he probably
experienced some challengegrowing up, right that era, that
time that timeframe, the sportthat he chose, and but you know,
one of the quotes that he'sfamous for, for being known for
it start where you are, use whatyou have and do what you can.

(08:55):
Right. And I think the idea thatlike tomorrow, it never comes
and we lose we lose a lot ofgreat ideas to the shower drain,
right? Because we're waitinguntil until this happens until
unready here. And so you know, Iknow we kind of jammed jammed on

(09:19):
this like last week when we werejust kind of talking about it in
general and there are a lot ofdifferent areas where we're this
is reality but you know what,like what comes to mind for you
and when we talk about or whenyou when you first think about
starting where you are and don'tletting not letting the the lack

(09:42):
of whether it's knowledge ortools or or whatever it might be
stop you from from starting.
Yeah, I think we we did talk alot about this and there's a few
like so many different areas inyour life. I feel like this can
apply to you You know, I thinkwe talked about education,

(10:04):
planning for retirement, youknow, starting, you know,
meditation meant getting yourmental health together. You
know, personal growth, so manythings. And I think it's, you
know, it's really easy forpeople to say, Oh, I'm going to

(10:25):
start that one, just like yousaid, I'm going to start that
when I have more time. But Ihave more money. But what are
you doing in order to get tothe, the ability to have that
more time and have that moremoney like, these? This is part
of getting there? Yeah. I thinkit's scary. You know, a lot of
times it's fear. Yeah, I thinkit's probably mostly fear, yeah.

(10:49):
And then fear, because ofknowing and not knowing, and
knowing that you're going tohave to make a sacrifice, and
then it's going to be hard ofnot knowing how long, you're
gonna have to make that separatesacrifice to see the benefits,
or to get to the outcome thatyou want. So, I think, you know,

(11:12):
those are kind of always thethings that kind of prevent us
from starting,I love. I love that you just
said, I'm just looking somethingup really quick. I love that you
just said it's the fear ofknowing and not knowing. There's
a saying, and, you know, I can Iparaphrase it typically, but I

(11:37):
was looking it up, so I couldkind of try and share it
correctly. So if you say Betterthe devil you know, or Better
the devil, you know, than thedevil, you don't know, you mean
that you would prefer to havecontact with or do business with
a person you already know, eventhough you don't like them,

(11:58):
rather than a person that youdon't know. So this is like a
British saying, and it's alsobeen kind of adopted in, in
reality, you know, and not justdoing business, I learned this,
I learned this term, and I usedto, I used to use it actually,
when I was in sales. And becausethere's a fear of change, that

(12:20):
that's inherent and someone can,you can be doing something
that's not working for you,right, it's not, it's not
reaping the benefit that youwant, it's not giving you the
return on investment, andwhether that investment is time,
whether that investment isenergy, whether that investment
is is your spirit, your soul,whatever it is, it may not be

(12:40):
reaping you the the return thatyou want. But the fear of doing
something different, is scarierthan the comfort of continuing
to do what is not for you. Andso we have as humans a tendency
to just continue to do the thingthat's not working, and not
getting us the results that wewant. Because of that fear of

(13:02):
doing something different. So Ilove the way you put that Sarah,
of it's a fear of knowing andnot knowing, right, like, I know
that I'm going to have to make achange. I know it's going to be
different, but I don't knowexactly what it's going to look
like. And so, yeah, you know,just leave it away from me.
Yeah,yeah. I mean, they feel like
that can be so simple. And itcan be so big, you know, this

(13:23):
can be something is simple as Iwant to start to exercise more,
which actually can be really bigfor some people. So I don't want
to downplay that. Or, you know,just picking up some kind of a
healthy habit to like planningto get a promotion or get to a
different level in your job oryour career or owning a business

(13:46):
or whatever, you know, yeah. SoI think it's also just kind of,
I don't know what I was readingup on a little bit and just
found some things that peoplekind of, say are, like, good to,
like, do they like steps to dowhile you're trying to get to
those goals or make, you know,make a start in anything,
whether it's a habit you'retrying to change or Yeah, nap or

(14:08):
whatever. And one of the biggestthings, I think, is to just be
realistic. Because Blue, makethese you know, even if you're
going I don't mean not to, likehave a big dream, or have big
goals, but just make attainingthose goals realistic. We've

(14:28):
talked about this and in otherpodcasts or in our other
episodes as well. Yeah, a littlebit just but, you know, if you
have if your goal is that youwant to start getting more
connected, you know, with yourspiritual self, whether that
means or you know, mental,mental and spiritual, whether

(14:51):
that means you want to startdoing yoga, you want to start
meditating or you want to startseeing a counselor. Get
the get your money, rightpodcast is brought to you by
forward motion. At forwardmotion, our mission is creating
generational prosperity, onefamily at a time, you can learn
more at forward motion az.orgWe're a nonprofit organization.

(15:16):
So to support our cause, you canmake a donation at forward
motion az.org/donate. Again,forward motion az.org/donate.
Now, back to the show,counselor,
um, maybe not saying you'regoing to do this every day or

(15:36):
every week, but finding specifictime every other week that you
are able to commit to this instarting there, you know, so
it's kind of like small thingslike that.
Yeah. Man, I so there's, there'sa book this book has been, has

(15:57):
been taken. And, you know, read,reread, interpreted
reinterpreted. There are, youknow, so many other people who
have created books that areloosely or even very hardly,
based on this book, the book iscalled the compound effect, and

(16:17):
it's by Darren Hardy. And thecompound effect is, so this is a
formula, folks. So write thisdown, write small, smart steps.
Repeated over time, equalssuccess. Right? So small

(16:39):
actions, plus time, smallactions repeated plus time
equals success, right? And Ialways say success is boring.
You know, when it's funny, youknow, like, doing the podcast
doing this podcast, it's superfun, right? When we're, when
you're, when you're on it, it'sfun. But the effort and

(17:03):
everything that goes intobuilding it, though, very
rewarding. It's it's kind ofmundane, right? There's
research, there's reading,there's writing outlines and
things like that. Things thatit's like, oh, man, you know, I
thought when I work for myself,or when I do something, you
know, different, no one's goingto tell me, you know, what time
I need to show up to work? Andit's like, no, they're not going
to tell you, but you're going totell you, right? And so success

(17:28):
is boring. So that's, you know,that's a an Amanda idiom, you
know, write it down, put itsomewhere. But so small, Smart
Choices, plus consistency plustime equals success, or a
radical difference. That's thecompound effect. And there is an
example. There's an example inthe book and it goes into quite

(17:52):
a bit of detail, but it talksabout, there were two different
people right there were therewas two friends. And they were
both going to start a, a healthjourney. And one friend, you
know, really wanted to focus onlike intensity, right? And is
like, I'm going to, I'm going tochange in changing my whole

(18:16):
diet. I'm not eating any ofthis, I'm getting up every
single day, I'm gonna, you know,do pedal to the metal, right?
And so that's the kind of thethought process on the on the
flip side is like, Okay, well,this other person said, Well,
I'm gonna get up every day, andI'm gonna go for a one mile
walk, whatever it is. Theintense friend ran out of steam,

(18:40):
right, month two, and it waslike, This is too much, it was
too radical, there were too manychanges, and it's not
sustainable. And stop. Now, ayear goes by, right 365 days,
the friend who made a smallsmart choice, was able to
continually repeat that one milewalk, get up in the morning walk

(19:01):
for, you know, a few blocksaround my neighborhood, come
home and then go about my day.
This friend ended up having aradical health change. Right?
While it's like okay, well, if,if the other person would have
been able to keep up that bigradical change, yeah, they
probably would have, you know,far surpass the other. But the

(19:24):
reality is, is that that's notand I'm like, totally
paraphrasing this story. So ifif you read the book, read it.
This is this is what I what Igot from it. But you know, if
but the one friend who whodecided to do things simply,
consistently and on a, arguablya smaller scale, was actually

(19:48):
able to do it consistently. And,and therefore was able to get it
done. There's another bookcalled atomic habits, right? And
it talks about getting 1% BetterEvery day, right, you don't have
to flip your whole life on itshead, you just want to be 1%
better every day. And that's,that's where, you know, starting
starting where you are kind of,kind of comes from. And when.

(20:12):
So, yeah, I sorry, no, go no, goahead. Um, part of what you were
saying kind of reminds me of,you know about the book that you
were talking about the compoundeffect. It's like, it's you
don't have to have, it's not anall or nothing. What attitude

(20:35):
when you're coming into, youknow, starting somewhere, start
whatever that whatever thejourney is that you're trying to
start with, it's not like, I'mgoing to do it. All right now
perfectly this time, when I'mgoing to put 1,000% effort in
it. It's okay, this is where Iwant to get to, what can I

(20:57):
contribute to that goal rightnow? And starting there, and
then it slowly compounds, asit's almost natural, like if you
just slowly start being able todo more, make more progress?
Because you've, you havestarted? Yep. Um,

(21:17):
because once you so if you I'msorry, I didn't mean to No,
no, I have, I'm gonna look upthis quote, it's a magnet I have
on my fridge, but I don't wantto go run in there. And I feel
like it goes really good. Buttalk cool. So. So when you think
about it, you have the personwho, you know, decides to take a
walk every day, what's going tohappen? So you, you walk a mile

(21:37):
every day, and then what youknow, you're gonna start having
more energy, right, you're gonnastart feeling a little bit
better, and then you're gonna,you know, probably make smaller,
smarter choices with what you'reeating, then you're gonna say,
Man, I have all this energy, Iwalked a mile, you know, I'm

(21:59):
just gonna keep going a littlefor today. Right? And, and
little bit by little bit, thatthat smart, small choice that
you're making, begins to turnmore and more and more into into
positive, positive outcomes? AndI think it also, so did you find
your quote?

(22:21):
Um, no, I think it's like, it'sby Eleanor Roosevelt. And I
think it's something like theway to begin is to begin
something very simple like that.
And I don't want to misquoteher. And I'm having a hard time
on my own.
After the show, we can put it inthe show notes.

(22:41):
And I just feel like, you know,there's, it's so true, there's
no way to ever start or getsomewhere if you don't take that
first step. And if you alwayswait until the time is right,
you're very rarely going toactually do anything, right.
Man, that's, that's so true. AndI think it also leads, you know,

(23:03):
really well into just doing whatyou said you were going to do,
even when you have limitedfunds, limited time. Because
like, if you're not, if you'renot doing and stewarding or
conducting or handling yourmoney, your time, your energy,

(23:24):
your spirit, if you're not doingthat, well. When you're not on
the mountaintop, the chances ofyou be given when you get to the
mountaintop are really, reallylow. And so I actually wrote, I
wrote a blog post last month,and it's called how slowing down

(23:46):
helps you go farther. And I wantto read a little excerpt from
it. And I'll put the link in thenotes as well. But so it's
talking about how kind of makingsmall choices or small changes
and kind of slowing down howit's been linked to, to more to

(24:07):
better decision making moreeffectiveness more
productiveness and so I'll giveyou an example. So you may have
seen a meme like this and whatit is, is it's like it's the
million dollar morning. Rightand it's like 5am Wake up 530
Exercise 6am Shower 615 Meditate630 Read 7am Breakfast 715 set

(24:28):
three goals 720 work. So that'sa lot. It's a lot it sounds like
a lot right? But if you thinkabout it also, no matter how
many of these that you that yousee and how many like articles
that you read and a lot ofinterviews with whether they're

(24:49):
you know, real estate, mogulsor, or CEOs or small business
owners. One of the like, Two ofthe things that that that I have
seen over and over and over ismeditation and reading. Now the
meditate, it's 615 Meditate,right? So you take, you take a

(25:10):
shower at six in the morning,and, or whatever time, right?
You take it, you take yourshower, and then 1520 minutes
later, you take 15 minutes tomeditate. Now there is a quote
There is a quote aboutmeditation. And I'm gonna find

(25:32):
it, but you take, like, 15minutes to meditate. And then,
and then the reading, it's 630Read to sit to seven o'clock. So
it's a half hour of reading, youknow, whether it's 30 minutes,
whether it's 20 minutes, whetherit's 15 minutes of reading. So
these are both things that areslowing you down. Right? But can

(25:58):
you you can imagine that if youmeditate for 15 minutes a day,
every day, you're going to be alot more grounded, connected
with yourself a lot more clearheaded, right? If you paid for
30 minutes a day, you don't needbooks, that is all the

(26:19):
time you spend scrolling onsocial media, you know, any form
any platform on Instagram,Facebook, Google, I have tried
to make it and it's not actuallythe style, I'm on still on an
electronic device, but itdoesn't go into like dark mode

(26:40):
and I'm reading at so like whenI lay down at night, I have
started to try to not sit thereand scroll and do whatever,
that's my, I'm gonna read for my10 or 15 minutes. It's not the
whole 30. But you know,sometimes depending on how good
the reading is, during thefollowing Yeah, I might, you
know, take a few extra minutes.
But I have found that that hashelped me, because I have no

(27:02):
busy mind. Stress. Anxiety islike everybody, if
you have a high stress job, youhave a a very demanding you work
in a very demanding field andhealth care, right. And so
finding yourselfis finding the ability, like you
said, for my brain to just slowdown and shut off. So I have

(27:24):
started making that kind ofsomething that I do least a few
times a week, if not every nightbefore I'm going to bed during
the week. Yeah, but justenjoying to make those small
changes.
Yeah, and they're in their smallhabits, right? I'm reading,
meditating, taking 10 minutes tooffload your thoughts in a

(27:45):
journal entry before you go tobed, right keeping, keeping a
notebook on your bedside tableso that when you have an idea or
a thought that you're so scared,you don't want to lose it, you
don't pick up your phone and getthat blue light going in your
face again, at night, you youcan write it down real quickly.
And then and now it's onto yourmind, you can you can set you

(28:06):
know, aside, sitting down andwriting three goals for the day,
every day. And you know, thatcan that can be a 45 second, a
two minute exercise. But it'sabout stewarding your time
really well. No matter whatlevel of your life that you're
in. Because these are habitsthat you want to, to to grow now

(28:33):
and to nurture now. Because asyou get more successful, or as
you get more responsibility asyou as you you know, get further
in your career or further inyour business or further in
your, your financial journey oryour personal life or whatever

(28:53):
it is, you're not going to getless busy, at least not for a
while, right? You're not goingto get less busy and so you have
to be really cognizant andreally directed or determined
the word I'm looking for isfocus you have to be really

(29:15):
yeah, let's we use focus. Ican't think of the word for some
reason it's escaping me but youhave to be really specific with
and diligent with your time andyour energy and getting those
those practices in early.
There's there's a quote and itsays it's something along the
lines of You should meditate for20 minutes every day. Unless

(29:39):
you're too busy. Then you shouldsit for an hour. Right? If
you're too busy to find 20minutes a day, to be with
yourself and to meditate, thenyou need to meditate for an hour
right because because ourpriority knees are probably a

(29:59):
little bit wonky, and we'reprobably living in, in a in a,
in a high stress body at thetime, right. So I've always
loved that quote, because I'lltry and convince myself
sometimes in the morning when,you know, I get up and I'm like,
Okay, I've got all these thingsto do, I need to sit down and
meditate for a few minutes. I'mlike, I don't have time for

(30:20):
that, whoa, okay. I'm gonna maketime I gotta make I gotta make
time for that.
Right? This podcast has beenbrought to you by forward
motion, our mission is to creategenerational prosperity, one
family at a time, visit us atforward motion az.org on
Instagram, at forward motion AZ,or on YouTube, at moving

(30:43):
forward, one family at a time,time for that, right.
And, um, you know, one of thethings that I hear a lot,
especially with working with,like individual coaching
clients, when you know, becausewhen it comes to financial
coaching, when it comes to kindof that journey, there's so much

(31:04):
that goes into it besides themoney piece. And one of the
things that I hear quite a bitis, I can't meditate, because I
can't sit still for fiveminutes, or I can't turn my
brain off. Or I can't stopthinking or it's just not my

(31:24):
thing. So I kind of challengedfolks, you know, with, you know,
information like a joint studyon meditation, and how it
affects areas of the brainresponsible for decision making,
and thought processing. Sohelping you think better and be
more effective. Right, so I'mreading again, from from my blog

(31:45):
post. So it found that initialresults suggest that meditation
may be associated withstructural changes in areas of
the brain that are important forsensory, cognitive, and
emotional processing. And I didlink the full study and
analysis. And it's it'sbasically like science is

(32:08):
starting to catch up with what alot of folks who, you know,
advocate for, for this type ofslowing down practice, have been
saying for decades, hundreds ofyears, whatever science is
starting to catch up. And it'sin, they've actually done
studies where they've hooked up,you know, in looked at
brainwaves brain activity, andthere's a lot that that says,

(32:31):
Yes, you know, meditationactually does benefit this. And
so it's not necessarily thatwe're, we're here just, you
know, advocating for meditation.
But that's one of the things,you know, another piece that
that that I hear a lot is, well,you know, I don't I don't have
any money to set aside for, forsavings or for investment. Now,

(32:53):
I, there are folks who are insituations that are so dire,
that that is true. Absolutely.
And I do not want to negatethat, especially, you know, in
the work that we do at forwardmotion, I do see that a majority

(33:16):
of the time. What it is, is thatwe should change that sentence
to I don't have the amount ofmoney that I think would be
effective, to start to invest orto start to save or to start
looking at my retirement. Andwhat I tell people is, I don't

(33:39):
care if it's $10 a week, I don'tcare if it's $15 a month, I
don't I don't care what thatnumber is, but you need to do it
consistently. Because if if youcan't save half a percent of
your income for yourself, andfor your future, when you're
making 4030 $20,000 a year will$20,000 Maybe White might be

(34:05):
real dire. But you know, ifyou're making 40,000 or $50,000
a year, and you can't save halfa percent or 1% of your income
for yourself. Now, do you thinkyou're going to be able to do
that when you're making100 $200,000 a year? Probably
not. Right? Those bad habitsthat that you're building are
going to build right into thenext stage. And so you have to

(34:29):
start where you are and be agood steward or good manager of
your time, your energy and yourmoney now, because it's not it's
not going to be you're not goingto experience any difference
later down the road ifyou don't. Absolutely. I think
there's a couple ways to do thattoo. Like one thing I was doing,

(34:53):
you know, it's like it's reallygood to always kind of think of
something that motivates youthat you You're because that's
gonna help you, push you giveyou that drive to get you to the
next step. And you got to, youknow, you're gonna want to,
obviously you're kind of tryingto plan and you can, you can

(35:14):
adjust your plan. So you shouldlike maybe track your progress
within anything that you'redoing, you know, it's, it's
always good to kind of check inwith yourself so that you can
see, like, Okay, I started here,it may have been small, I may
have only been doing my $10 aweek, but that I went from doing

(35:35):
$0 a week to $10 a week. And nowthree months later, I'm gonna
look back and see how much I'vesaved. Okay, and that's gonna
probably motivate you to want tokeep going and then maybe look
at where you can make someadjustments to save a little bit
more now. Yeah, you know. Sojust things like that, even just

(35:56):
if your journey is weight loss,you know, it's really easy to
get discouraged because of whereyou're already at. And, and you
may not want us, you know, it'snot always a scale number. It's
a lot of times it's more aboutmeasurements and things like

(36:19):
that what depending on what yourgoals are,
but how you're feeling?
Yeah, how you're feelingphysical body feels, yeah. How
do you feel? You look? How doyou feel your when you look in
the mirror? Yeah, what do youmean that self image. So maybe
it's a journal, maybe it'stracking, you know, every month,

(36:40):
on this day, you're checking,you know, your weight, or you're
taking measurements, because youif you are being consistent with
even the smallest steps, you'regonna start seeing a change and
a difference. And that's onlygoing to motivate you more to
keep getting to that goal you'relooking for.
And you and you have torecognize and you have to

(37:02):
appreciate those changes. Yes.
Right. Because like, yeah, like,like you said it, it's, if
you're being consistent, you aregoing to see changes. The
question is, though, there are acouple of things like, are you
getting caught up in the hype ofsomeone else's journey?
Yes, don't compare yourself tosomeone else. It's great to have

(37:27):
a goal. Because I don't, there'sI'm gonna branch off a little
bit, it's great to have a goalbecause you want to it maybe
you're basing that on the peoplethat you're surrounding yourself
with. And it's good to surroundyourself with people. Amanda
says this all the time, like,you're gonna surround yourself
with people that are in the sameboat as you all the time, and

(37:48):
you're not going to try and youknow, surround yourself with
people that are doing the thingsthat you want to do or where you
want to be, you're probably notgoing to get to that. As far as
you want to go. Yeah, right. Butyou, it's all about, you know,
where you're at, in thatpotluck, taking the time and
where you're at, in thatprogress. Yeah. And about for

(38:09):
you, not for, like, so bemotivated by other people, but
then identify where you're at,and how you're going to make it
to the next level, not wheresomebody else says that
everybody has different. Youknow, it's, what's the word I'm
looking for? Opportunities and,yeah, you know, different

(38:30):
sources and experiences in lifethat yeah, that gives them
different opportunities and putthem in different places. You
can't always compare yourself tosomebody else. You just have to,
you know,and what a lot of times what a
lot of times we don't see iswhat you typically see and
especially, you know, talkingabout, especially talking about,

(38:50):
like social media, you know,I'm, I'm kind of in like the,
the financial world and they're,they're, you know, started to be
a lot of like, financialcelebrities, right? You know,
you've got like, earn yourleisure, you've got the budget
nista you've got you've got abudget mom and you know, if you

(39:13):
follow some of these people onIG or Facebook or you know, you
got Rory D something on onTwitter and stuff. What you see
is the blow up, you see thereblow up. But what you're not
seeing is someone who didsomething day in and day out

(39:33):
over the course of 510 12 years,and then got their big break.
And now you see them you know,the Wall Street Trapper is a
great example, right? This thisman, you know, he went to
prison. He was in prison forlike 10 years. While he was
there. He started learning aboutthe stock market. He got out he

(39:55):
started actually investing inand really learning the Stock
market, then he started teachingit to others. And then recently
over the past, like, you know,since COVID, over the past
couple of years, he's he'sreally blown up. But it's like,
Man Sky's got almost a millionfollowers. And he's really blown
up. And you know, he's, youknow, I don't know if he's a
millionaire or not, but he'slike, he's got, you know, a lot

(40:17):
of money. He's talking to RickRoss and Mark Cuban and having
this conversation, it's like,what you're seeing is their blow
up, you're not seeing the small,smart, consistent action day in
and day out over a long lengthof time. And what we compare
ourselves to, you know, youcompare your chapter one to

(40:37):
their chapter 10. And that's notfair to you. Right? Like, that's
not and that's not going tomotivate you, you got to
compare. There's a saying, whereit's like, there's a you have
the past that wanted to be whereyou are today. And you have to
be able to look back and realizethere's a there's a past me,

(40:59):
there's a me of the past that islike, man, check out where you
are, right? Like, I'm notnecessarily where I want to be
ultimately, right. But man, oryou've come him years ago, me
would look at me today and belike, man, like, all right, you
know, and yeah, we were no, no,we were

(41:23):
just talking about that theother day with even stuff as
simple as how you're able to,financially and or just
emotionally react in like astressful situation or a
situation that gives you ahiccup, like, your car battery
going out your flat tire on theside of the road. Yeah, you
know, I'm getting my car hit atthe airport, either. And

(41:46):
being in your car like that waslike that, you know, like,
Oh my God. Yeah. Sohow am I going to figure this
out? Yeah.
Yeah. I mean, there would havebeen a lot of more tears, anger,
and issue of fine, you know,financial issue of how it was
gonna eat, how I was even goingto afford to get it taken care

(42:09):
of. And this been me 10 yearsago. Yep, no, so you have to
take those. And I'm definitelynot where I want to be.
Financially, I'm just startingthis journey with forward motion
and everybody else here, youknow, I am just starting to get
a good handle of my finances andgoals on where I want to be. And

(42:33):
I'm almost 35 So you just haveto look at where you've come,
but I've come a long way fromthere, you know, so yeah.
Yeah, it's like I was I actuallymade a tic toc. Because I was
like, I was you know, call ithaving a financial aha moment
because I was at Costco. And mybattery died. While literally

(42:58):
while I was in the line waitingin this, you know, if you get
gas at Costco, you know, thatlike that line can get long. And
I'm like in the line, and I'mwaiting for my turn. I'm like
five cars back from the pump.
And you know, my car has thatthing where if you press on the
brake, the engine shuts off, youknow it to save gas and then
turns back on. I guess mybattery was had been low and my

(43:19):
engine did the shut off thingand then it didn't have enough
power to turn back on. So now myso my battery's dead. I'm
sitting in the Costco parkinglot, and I'm like, seriously?
Okay. But then I sat back and Irecognize that like, this is an
inconvenience. This isn't a liferuining month ruining financial

(43:41):
situation like this. It's an itYeah, it's like it's an
inconvenience, like, I reallywanted to take my new shoes home
and you know, like, I finallydid something nice for myself,
bought myself some new shoes andnow I'm sitting in a Costco
waiting waiting for an Uberlike, you know, I was able to
call an Uber to pick me up likeyears. I remember my Cadillac,

(44:04):
my ran out of gas on it ran outof gas on the freeway on this
where the where the 10 turnsinto the 60 going east. I was on
the freeway right behind theTempe Butte. So like where you
have the Angel Stadium the Tempeview for the hotel is I ran out

(44:25):
of gas right there. And Iliterally had to get out of my
Cadillac. climb that mountain.
back down the mountain and walkto the house in the colder sack
on 48th Street and brochure toget help to get gas to go to get

(44:50):
like a gallon of gas to go getdriven. It was a disaster right?
For a while, but like If therewas no, there was no way that I
could have afforded to get, youknow, a taxi at the time or, you
know, I didn't have to take thebus. And so really just kind of
sitting back. And I also lovethe saying of the time will pass

(45:14):
anyway. Right? If you say, I'mgoing to start this thing, okay,
well, in six months, I'm notgoing to be at my goal. And it's
like, yeah, but six months ofyour life will have passed and
you'll be either six monthscloser to your goal, or you'll
be right where where you were,when you decided not to start?

(45:36):
You know, the time will passanyway. And, man, I think
that's, that's one that really,really sits with me.
Yeah, because that's exactlyright. It's the time is gonna go
by? And what are you going to beable to say that you did or
didn't do to help yourself?

(46:00):
No, no, sorry. I didn't mean tointerrupt you.
No, that's it. I was just gonnasay I mean, if we're not going
to help ourselves.
Who is? Right? And so when youthink about starting where you
are, with what you have, andjust doing what you can, you

(46:20):
know, it really, really comesdown to to that because, you
know, I look personally at like,where, where my investment
portfolio is today. And I alwaysremember, and you guys who
listen consistently, you'llprobably hear me drop this a few
times, because I always rememberthat one stock, one single share

(46:42):
for $45 that I bought. And itwas terrifying, right? And I
still remember, you know,starting to saying, you know,
what I'm going to start having,I think it was like $25 from
each check, taken and put intothis savings account. And I'm

(47:04):
just going to start doing that.
And okay, so that's $50 a month,no big deal. Like, that's not
going to save my life. But thenwhat ended up happening was I
have that habit. And so thenwhen I was able to I was like,
oh, instead of 25 a check, I'mactually gonna raise that to 100
a check. I'm, I'm in a positionthat I can do that, right.

(47:27):
This podcast has been brought toyou by forward motion. Our
mission is to creategenerational prosperity, one
family at a time, visit us atforward motion az.org. Or, at
forward motion AZ on Instagram.
Our YouTube channel is movingforward one family at a time.
Thank you for listening,not have the money to take the

(47:47):
course. But have you gone andchecked and see, are there any
free courses on? What is it likeUdemy? Or? I wrote Coursera?
You know, I mean, even there'scommunity centers, in your areas
that are sometimes eitheroffering free to low costs a lot

(48:08):
of things since everything wentto zoom with COVID? Yeah. A lot
of those are like discounted,and you can do them right from
the comfort of your own home.
Yeah, there's so many differentresources when it comes to not
having the money to like learn askill or do something, you know,
providing scholar like forwardmotion offer scholarships for

(48:32):
your move forward. We've got ourmove forward conference coming
up on April 30. Right, the moveforward conference is the first
of its kind. We have experts infinancial education, home buying
and and real estate, executivecoaching, wealth building,
through through insurance. Solike life insurance, right? rich

(48:58):
folks, rich families have beenusing life insurance to build
wealth for decades. And it'sactually one of the biggest kept
or best kept secrets in wealth.
We have a nutrition coach comingin, from you know, fuel
nutrition, we've got just a lotof great resources. It's a full
day event. The reason that Istarted this event was because

(49:19):
in my in my experience in mycareer, and in my life I've had
access to through my career, Ihad access to a lot of coaching
and and conferences, where likeminded people come together and
have workshops and learn thingsand get an opportunity to, to
talk to one another and askquestions and things like that.

(49:42):
And I recognized that theseexperiences and things that I'm
having access to are missingfrom the community and unless
you have you know, whether it'sa lot of money or a an organ As
a nation that is willing tospend $1,000 or $5,000, or you
know, $500 to send you to thesethings, you miss out on them.

(50:08):
And, and it's a, it's anopportunity that, that people
who really need it aren'tgetting, but rich folks are
getting a lot of and people whoare in really, you know, high,
high jobs in, in their careersare getting a lot of. And so
that's what the move forwardconference is all will will tag
all the information for theconference, in in the notes

(50:30):
here. But, you know, I made thecost $57, right. And we have
scholarships available for forthose who need it. But we have a
lot of high brow experts comingin to share their experience and
knowledge in their fields. Andthey're doing this because they

(50:51):
believe in, in in the missionand they believe in what is
needed in society. And so that'sa way to start where you are and
really gain really gain the, youknow, information and knowledge
in order to take things to thenext step. And, yeah, yeah, it's
gonna be it's gonna be a really,really great experience. So, you
know, one thing I So, in theend, what we're basically

(51:17):
talking about right now issetting up the good habits. When
when you think about, like,setting up good habits now.
Because if you procrastinateuntil the time you think you're
going to be in a better positionto do the thing. When you are in
that better position, you'reprobably not going to do the

(51:39):
thing, because it's not a habitthat you have already.
Yeah, it takes I'm, I read onaverage on BackRub that it takes
66 days to make a new habit. Sothat might sound like a long

(52:01):
time. It's not that long, butalso know that you have to give
yourself time. You can't likethat's that's the other thing
here. Like, don't rush it don'texpect it to happen overnight.
That's that's part of the whole,you know, starting where you're
at.

(52:22):
And give yourself yeah,that's such a such an important
note that you just means therelike it's not going to happen
overnight. Nothing happensovernight. And in the in the
world that we live in, we livein a we live in, like in an
informational, a hugeInformation Society, right?

(52:44):
Everything's at our fingertips,what like three or four times in
the show, Sara said somethingthat sparked my mind. And I
just, you know, went andsearched it like, and I think
Sarah, you did the same thing acouple of times, right? So like
it, we live in this in thisworld where there's so much
information at our fingertips,and we're constantly seeing
everyone else's best moments.

(53:09):
Because that's what's beingshared. People share their best
moments, they share the mostexciting things, they share the
come ups, they share, you know,the blow up the glow up, that's
what they share.
They share the happy times. Noone's gonna post about the fight
they just had with their spouseor their family. You know, no

(53:33):
one's gonna post about how theyjust didn't get the promotion.
They weren't going to, you know,people aren't posting about the,
the contract that they lost, orposting about that. They're, you
know, it's happening. It'shappening. No one's posting
about the 10 contracts, theydidn't get right on the path.

(53:53):
They're posting about the onethat they did, right? Um, it's
like, uponeach other, yes, comparing
yourself or feeling jealous. Anduse that as motivation if that's
what motivates you, you know,but, like, that's one of the

(54:14):
biggest things, and I'm guiltyof it at times myself. We all
are. Yeah, comparing yourself toothers. It's not gonna get you
any further in your journey.
It'snot going to help you mentally
emotionally. No, yeah. Yeah.
It's so true. I think, you know,we're all we're all guilty of

(54:35):
it. I'm guilty of it. Right. Youknow, I I see things where it's
like, Man, I wish you know, Iwish I had, you know, this huge
in like real estate portfolioand it's like, okay, well, you
have to start somewhere. Andthen you have to do things over
and over and over in order toget there. No one starts with
100 doors. And folks who dostart with 100 doors, probably

(54:58):
had a really big leg up from agenerational wealth standpoint
where they didn't, they weren'tstarting from from the bottom or
starting from scratch, right.
And so that's the other piecethat you have to think of, you
know, one of the things that wesay it forward motion is the
best time to move forward isright now. And when when you're
creating generational wealth,when you're creating

(55:18):
generational prosperity, andyou're the starting point,
you're that catalyst, you haveto remember that you don't have
you know, generations of, ofdecisions behind you that have
that, that have you in aposition where you can just snap
your fingers and make, you know,the next great move. Like if
you're the catalyst, if you'rethe starting point, it's going

(55:39):
to be hard, right? It's going tobe it's going to be tough, there
are going to be times when it'snot going to be fun, exciting,
you're going to like I don'tknow about you, but like, I'm
going to cry, right? Like,you're, you're going to, you're
going to be sad, you're gonnayou're gonna miss out on going
on trips, or doing certainthings that you want, buying
something that you want, yeah,you know, you're gonna be eating

(56:03):
at home a lot more than goingout to eat, maybe you know,
things like that. I'm using yourstrengths. So like, yeah, you
maybe you don't have moneybehind you, maybe that's not
what, you know, what you have asa resource. But you've got
drive, and you've gotmotivation. And you You know,

(56:24):
sometimes we just credit ourlife skills from you know,
navigating just through hardtimes, and where we've come and
looking at those and seeing howyou can utilize that or how you
can take any marketingadvantage. Yeah, you know, it's
yeah, it's not always going tobe money, but you might be a
really, really good at talking,you might be very motivation,

(56:48):
you might be really good atsaving already, you might be
really good at grinding, youknow, just having working really
hard, you know, for people whodon't know what grinding means.
vocabulary word of the day,grinding. We might just showed

(57:11):
our age. If you didn't get thatyou're probably a Gen Z or Gen.
X or are we in Gen Z? No. X, Z.
and Y, Z.
Z Z's at the end, right. He's atthe end. I think that's where
we're at. I don't know. Doesthat mean we start over?

(57:32):
There's we know what happensnext.
This is gonna take us onanother. Yeah. This an hour long
more podcasts.
Next episode, navies are makinga comeback episode. Yeah, name
that song. Name that to nextepisode. So Oh. And it's the

(57:57):
little things right? Like, Ialways say, you may not have,
you know, you may want to goback and get your degree and you
may not have the, you may not bein a position to do it. You
know, maybe, maybe you're maxedout on Pell Grants, maybe you're
in a place where it's like,Okay, I can't, you know, it's
not in my budget right now. AndI need to figure out how to get

(58:18):
there. But like, there arewebsites like edx.org edx.org,
where you can like take coursesfrom Harvard, Berkeley,
University of Texas System,Boston University, University of
Maryland, MIT, you can takecourses, now you're not going to

(58:39):
get a degree for it, becauseyou're not technically enrolled.
But that doesn't mean you don'tyou're not gaining the
knowledge, knowledge. Right. Andthat's, and we're in, we're in
a, in a, in a point in oursociety, where I mean, you know,
people like Elon Musk, Love himor hate him, you know, he's,
he's been a big outspoken personabout our current school system,

(59:00):
our current educational system.
And there are a lot ofbusinesses, entrepreneurs, CEOs,
leaders of organizations thatare just not putting as much
stock in your degree, as yourexperience and as in as your
knowledge and not at all sayingthat degrees are not useful or

(59:24):
but but in some way theyare Yeah, and some, some
education is better than the noeducation and some life
experience is just astransferable as education. So
it's just knowing.

(59:47):
Yeah, cuz it's like they're justI mean, I'm just like, oh, like
six sigma, six, sigma, analyze,improve control. There's a Six
Sigma course I mean, this Isthis type of this six sigma is
a, a way of annal analyzing andit's used in, in running

(01:00:11):
businesses in, in all kinds ofareas, especially in like
analysis and productivitydepartments in companies, it's
like, you can take a free SixSigma course, you can take a
free introductory to programmingcourse, analyzing data with
Excel from IBM, Berkeley, thefoundations of, of happiness at

(01:00:31):
work that goes into like, HR,right? Marketing Management.
They're all I'm just lookingthrough some of these courses
here. You know, exercisingleadership, foundational
principles, strategies foronline teaching and learning.
And these are all courses thatare put together by accredited

(01:00:54):
universities that if you havethe want to learn this, and you
say, You know what, I'm going togo and I'm going to do this, and
I'm going to learn it and thenI'm going to talk be able to
talk about it. When I'm, whetherit's your in your
entrepreneurial journey, whetheryou're going and looking at

(01:01:14):
getting a promotion at work, ormoving into a new role, you can
take these and these are nowmarketable skills that you can,
um, that you can share, like,Hey, I know this now, right? So
I'm, you know, we're notsponsored by by this, this
website, or this tool, and allbut it's things like this right

(01:01:35):
Coursera, the Google has, hascreated, you know, their Google
certificate program. And I thinkthose Google certificates if I,
if I remember correctly, theyare the Google Search
certificate program they have inproject management, user
experience, design, and, and ITsupport data analysis,

(01:02:00):
analytics, and Androiddevelopment. And the pricing on
these is like $300, or somethinglike that. And then they help
they're supposedly have anetwork where they help you get
into these roles that are inhigher pain type roles. By

(01:02:21):
having these by having thiscertificate. And so it's about
learning these different things.
And understanding what is itthat I can do from where I am
today? In order to move closerto where I want to be? Not all
or nothing, right? You talkedabout, it's not an all or

(01:02:42):
nothing game, right? It's not azero sum game. There's a lot
that you can do from where youare. And the way to get there is
is to start from start where youare, yeah, work with what you
have and do what you can.
Exactly right.

(01:03:02):
Wow, I this is a really, reallygood, great topic. I, I love,
you know, the ideas that gobehind just starting, it's like
you said, you know, we'll we'lladd that Eleanor Roosevelt.
I'm pretty sure it's the way tobegin is to begin. The other
thing is just a few more thingsthat I was really imagine your

(01:03:25):
future. Imagine it because notonly are you just like you want,
like planning for it, but youwant to imagine what you're
planning for that will help youkind of get visualization.
Visualization is huge. Rewardyourself when you've made some
small accomplishments, you know,don't again, and that kind of
goes along with like, the all ornothing and it's not you know,

(01:03:49):
I'm on a diet now. I can neverhave anything sweet. You know,
like, all right, I made it tothe school and
you know, if you could neverhave anything sweet again in
your life,you'd probably like me
personally. Yeah, you personal Ihave issues. I've we have a
problem. Yeah, I was sweet too,for sure. And then just again,
be patient with yourself in yourjourney. Yep. Grace. Absolutely.

(01:04:19):
And also, like, I love the Ilove the idea of rewarding
yourself and think about whatyour rewards going to be. And
set milestones for yourself soyou have something that you're
working towards, but don't makethe like, okay, like, if you're,
if you're saving if your goal isto save money, and get to a

(01:04:42):
certain point, don't make yourreward like I'm gonna buy a new
boat or vacation, or boat.
It's like okay, I've seen I'vesaved $300 I'm gonna go reward
myself with a new shirt. At thestore this no or something

(01:05:03):
reasonable something reasonable,as long as you get a smart,
like, dollar shareI've saved $300 My reward is to
spend 300 and doll hairs, like,be reasonable and be smart about
it and, and make make amilestones. Like that's a big

(01:05:25):
deal, right? Like if you have abig outlandish goal out here,
what are some smaller stepsalong the way, right and let's
let's do steps we'll go this wayinstead of going this way
because most steps go down.

(01:05:46):
Ascending, but what are some,what are some small milestones
along the way that you can like,for me, a great reward might be
just going for a two hour drive.
Like that's a big reward for me,right? Like, I'm gonna have
like, take time to myself, bymyself. I'm gonna go and drive

(01:06:06):
out to the river. Just get outand walk along the riverbank for
a while. Think see some someround animals? Right? Yeah, do
some grounding, right. But wethink about who you are and what
your rewards can be along theway. Batian Yeah, what is what's
going to keep you energized andmotivated along the way? That's

(01:06:31):
definitely something that'ssuper, super important. Yeah.
Love it, man. Well, this hasbeen really fun. So keep in mind
that you can connect withforward motion at forward motion
AZ on Facebook and on Instagram.

(01:06:55):
Our YouTube channel you may havefound this on YouTube if you
found it on Spotify or Pandoraor Stitcher or something like
that. Our YouTube channel whereyou can watch. The podcast is
moving forward, one family at atime on YouTube where you can
get merchandise on our bonfirestore and also on our Facebook

(01:07:19):
page. And the proceeds for themerchandise does go to two back
to forward motion in the form ofdonations through bonfire. You
can donate we are a nonprofit501 C three nonprofit
organization you can donate atforward motion az.org/donate I

(01:07:45):
am money manda so money dotmanda on tick tock and we'll
have in our show notes some ofthe resources that we talked
about today. Outside of that,thank you for tuning in.
Hopefully you enjoyed theepisode, please rate. You know,
give us give us some stars onGoogle podcasts or you know

(01:08:07):
subscribe on Spotify on Googlepodcasts on on different places
get rate at rate the show. Ithelps us to to continue to bring
the show to you and to reachmore folks outside of that.
Thanks, guys. Yeah, thanks forbeing here. See you guys next
time. Bye.

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Starting Where You are and Finding Success - Episode 9

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.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}Starting Where You are and Finding Success - Episode 9