September 19, 2024 • 62 mins
Can childhood lessons shape your path to financial empowerment? In this episode, Beatrice Yakubu, Digital Marketer and Founder at Simply Family Business shares her inspiring journey from rural Ghana to the UK.
Learn how resilience, education, and family support fuelled her success and how she now guides the next generation toward financial independence.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Hello and welcome to Lead to Excel podcast, where
every story sparks inspirationand every conversation brings
you closer to your best self.
I'm Maureen Chiana and I'm hereto explore the extraordinary
fusion of leadership, emotionalintelligence and the
groundbreaking insights ofneuroscience and the
(00:27):
groundbreaking insights ofneuroscience.
Together, we'll uncover secretsto unlocking your potential,
enhancing your decision-makingand elevating your performance
to new heights.
Whether you're leading a team,building a dream or simply on a
quest for personal growth,you're in the right place, so
let's dive in and transform theway we think, lead and live.
Welcome aboard.
(00:48):
Welcome again to anotherepisode of Lead to Excel podcast
.
Today I have a really specialguest, and I mean really special
guest.
I have known this lady for somany years.
We met when we were bothlearning to do public speaking
with Andy Harrington, and thenit's been such a wonderful
(01:10):
journey just you know, kind ofwatching both of us grow and
evolve and so much more.
But what sets this lady apartis something she's done with her
children, and we're going toget into it a bit later, but
recently, I think a follow upfrom the way she's really
(01:30):
groomed her children in businessshe's launched a book and for
those on audio, I'm actuallyshowing a copy of the book, and
we're going to be talking a lotabout this.
So, beatrice, I am just soamazed.
The name of the book is Win theMoney Game with your Child.
Wow, we're going to be talkingabout this a bit later, but
(01:52):
congratulations again andwelcome to Lead to Excel podcast
.
Speaker 2 (01:57):
Wow, thank you so much.
Maureen, thank you so much forthe introduction.
I am so, so excited to be here,and I'm just happy to see us
all grow and indeed see uscollaborate in this significant
way.
I can't wait for us to dive in.
Speaker 1 (02:16):
Thank you so much.
So, beatrice Yakubu, welcomeagain.
I don't think I mentioned yourname at the beginning, so it is.
Beatrice Yakubi is with metoday.
So, beatrice, let's find outwho Beatrice is.
Tell us a bit about you.
What do you do?
Who is Beatrice?
Speaker 2 (02:36):
Thank you so much for that question, so I just want
to say thank you once again forinviting me to this podcast lead
to excel.
I have been listening to thepodcast for some time now.
I have never told you that, butI do, but, uh, yeah, to be a
(02:56):
part of it is is incredible.
Now, um, who is beatrice yakubu?
I am a mother, a wife and abeliever in Christ.
I'm an entrepreneur andrecently a new author, so that's
, in a nutshell, who I am, but Ithink one of the things that I
(03:18):
can say about me is that I'm agreat networker as well.
Yeah, just as time goes on, Irealize that, yes, that's one of
the things that I can do, anddo good, yeah, yeah.
Speaker 1 (03:31):
I agree with that.
Actually, I would say you're agreat networker.
And so, Beatrice, let's kind ofgo a bit backward into your
youth age.
Where did you grow up and whatwas life?
Speaker 2 (03:47):
like.
So it's interesting you askthat question because sometimes
perhaps, when you get to a stagein life, people don't even
cannot even conceptualize howyou know the type of places some
of us grew up in.
So I grew up in rural northernGhana and it was subsistence
(04:10):
living.
We just went to farm, farmedour produce, came and cooked and
ate and that's it sleep.
And then the following day thecycle repeated itself.
But one thing that we kind ofgot advantage for was
missionaries brought to schoolto my village, and that was
(04:30):
before I was born and my dad wasthe chief of my village and he
had seven wives.
So we're so many of us runningaround not knowing what we're
doing.
But in his youth he was alsodrafted into the army.
I think that was in World WarII.
So when he came back themission for him was to ensure
(04:52):
that all his children goteducated.
So he really sent us all toschool, however we were doing.
It was like a set stone If youwere born in our house you will
go to school, whether you wantto go to school or not.
But I think for me going toschool was a way of escape from
chores.
I keep telling my children Isay well, you know, I think I
(05:15):
need to send you back to Ghana,because we went to school,
because we didn't want to dochores.
Now our children can't, so theyhave to go to school.
Chores now, children, guys,yeah, so that's that's how I you
know I was, I grew up, um wentto secondary school.
So to go to middle schoolinvolved.
(05:35):
So those days we had primaryschool up to primary six and
then middle school.
My, at that time there was nomiddle school, so you finished
probably at age 11 or 12, andthat was it.
You had to walk like five milesa day, that's 10 miles in and
out every day to go to school,to continue with middle school.
(05:57):
Yeah, so in the time of middleschool, two years into middle
school, I think, the walkingtook a toll on me.
I was not well and one of theteachers suggested why don't you
write a common entrance exam sothat you could go to secondary
school?
And that's how I escaped I rodepast and went to secondary
(06:17):
school at 13.
And that I had to leave thecomfort of everything I knew to
be in the township because therewas no way I could walk from
the village to the school.
So I had to go and live with anauntie for five years to get
secondary education.
Speaker 1 (06:39):
Wow, that's amazing Ten miles a day.
And when you look back now, howdid that experience shape you?
Because walking 10 miles for achild is a lot.
There's resilience there, youknow there's a lot.
So how do you feel that kind ofshaped your adulthood, your
(07:00):
adulthood A lot.
Speaker 2 (07:03):
I think that one thing that I can say is that, to
be able to do that, a lot ofchildren actually dropped out in
those years, and for most of usin my father's house we didn't
one.
We didn't have an optionbecause my dad will not allow
you to drop out of school.
But the other thing was thefact that we knew, because our
(07:27):
elder brothers and sisters, ourstepbrothers and sisters, had
finished school and they wereliving in a township and having
what we termed as a good life.
So that was an inspiration andwe couldn't like.
If you wanted that kind of life, you had to endure the 10-mile
journey every day.
(07:48):
But I think that has alsoshaped my life, because I don't
think there's anything that youcan throw at me that would crush
me, because you know what.
I've seen it all.
What is it that I can't do?
So, yeah, that built me up towhere I am and what I do now.
Speaker 1 (08:08):
Oh, interesting.
So when you left to live withyour aunt, that must have been
frightening, you know.
Interesting because, like yousaid, you left the comfort of
your home.
So those five years you werewith her, kind of going to
school.
What was that like?
Speaker 2 (08:26):
Frightening, yes, exciting, yes.
But my elder sister was livingin a township, but she for some
reason didn't want me with her.
Speaker 1 (08:40):
So she didn't want a younger sister cramping her
style.
Speaker 2 (08:45):
That's it, you just nailed it.
Yes, so my auntie, who was, youknow, a grown woman, had to
take me in, and this was a ladywho looked after my sister when
she was in secondary school.
So I didn't know her up to thatpoint, I didn't know her.
My mom said go and live withyour auntie.
(09:07):
So I was excited to be in thetownship, to live the village
lifestyle and to also see.
In those days you'd be able tosee cars running about and
radios playing.
That time there was no TV, wedidn't have TVs.
Or perhaps there was no tv, wedidn't have tvs, um, or perhaps
(09:30):
there was no tv network, so itwas just radios and and and and
tape recordings that you couldlisten to.
But, um, the frightening thingwas just being with someone whom
I didn't know and also lookingback, I think I felt really,
really exposed very, veryvulnerable.
Speaker 1 (09:50):
What do you mean by that, though?
Speaker 2 (09:52):
I mean because you know, when you are a child,
there are certain things you'rejust scared to be alone, yeah,
and when you are with somebodythat you don't know, it feels
like you are actually alone.
She did her best and herchildren also did their best.
Unfortunately, she recentlypassed.
Her children also did theirbest to support me, but I just
(10:17):
felt that if I could go tosecondary school like a boarding
school at that time I wouldhave, but of course we didn't
have money to be able to take meto boarding school that time I
would have, but of course wedidn't have money to be able to
take me to boarding school, so Ihad to stay yeah, you mentioned
something that I think isreally interesting and I kind of
want to dig a bit deeper intothat before I move on.
Speaker 1 (10:36):
you said that when you're there you're not alone,
but you're alone and that's aninteresting emotion to feel, or
you know experience to have.
Do you remember how younavigated it, more for yourself,
emotionally?
Do you remember how you managedto navigate, because you are
(10:59):
quite young as well?
Speaker 2 (11:01):
Yeah, yeah.
So for me, I think the gracethat has been I mean reflecting
back, I can only think aboutthese things.
Reflecting back I think thegrace that I had was the zeal
and the um, the passion to read.
So I've always loved to read,so I would just bury myself in
(11:23):
my books.
So I would just bury myself inmy books.
That's all I did In the house.
Close to the house was themarket and you know how African
markets there's so much noiseand all the villages are coming
to this market every three days.
My auntie, in her wisdom, wantedme to sell, like just go out
(11:45):
there and sell things in themarketplace for someone else, so
that at the end of the daythey'll pay me commission.
But I didn't want to do thatbecause I wanted to read.
So every three days, you know,everyone would be out and doing
their thing and I would just liethere with all the noise.
I would still be able to read.
Now I think about it.
And I would just lie there withall the noise, I would still be
able to read.
(12:06):
Now I think about it.
I'm like, wow, it's remarkable.
I was really in into me now.
I couldn't hear anyone outthere, I could focus and just
learn with my books in the night.
It was the same thing.
There was no electricity, ithad to be a lantern.
You know when I tell my kids?
(12:27):
I've told them several timesand now they know the story yeah
, but you know they can't evenunderstand.
Speaker 1 (12:35):
Kind of grab the concept of that.
Speaker 2 (12:37):
No lights no electricity so it had to be a
lantern, lantern, and I justburied myself with studies.
And I think the friends that Ialso had two people that I could
call friends were in that kindof.
They weren't in that kind of,they were from the township, but
(12:59):
they were people that I couldassociate with Because, again,
bullying was another thing,because when you come from the
village those who are in thetownship look at you as a
village girl, so for that reasonyou are not respected and
regardless of what you knowdidn't count.
(13:21):
But the fortunate thing thatthese friends I had, they could
see what I had and then so wewere together and I would teach
them whatever I had to teachthem.
Speaker 1 (13:32):
So otherwise, most of the time I was just buried in
my books and then thanks forsharing that and I think that's
so powerful and even peoplelistening that you know, know, I
just love that because it'salmost like you were in a place
you didn't have control.
You know, you were there, youwere lonely, you had no control,
(13:54):
but the one thing you couldcontrol was reading, and so it's
almost like you took that on.
And it's interesting because Ialways talk about this that our
brain does, you know, likesbeing in control.
The problem is that most timeswhen we're not, when we don't
have the control, our brainfeels you don't have control.
(14:16):
That is when people get anxious, they get frustrated, they get
depressed, a lot of emotions.
But focusing on what you cancontrol, that's the power that's
so powerful.
It's almost like you know,taking that control back in what
you can, and you did that inthe studying and then also
forming good relationships.
(14:36):
Now let's kind of go a bitfurther.
So after middle school or highschool, you then why, you know,
I know you went on to studynursing and I think my question
is, why nursing specifically?
Speaker 2 (14:52):
Why, yeah so again, anything I did had to be in
alignment with affordability.
That was it.
So when I was growing up in thevillage, I was a nurse, always
a nurse, because I, you know howchildren take characters.
When you're growing up andyou're playing, this person will
(15:15):
say I'm a doctor.
I was always a nurse becauseone of my elder sisters, um, was
a nurse and she, anytime shecame to the village, she would
be able to go and see one ofthese sick people and then, you
know, they would get well.
So that used to fascinate meand so when we were playing, I I
(15:36):
would go and get a plug, seedsof trees, and then that would be
my medicine I'm giving topeople.
But when I went to secondaryschool I didn't want to be a
nurse anymore.
I had grown out of it.
But when I finished and theresults came, I could go to
(15:57):
sixth form, I could go touniversity.
I was sixth form and proceededto university, but of course it
was a case of you know, there'sno money for you to go to
anywhere else than to do nursing, because at that point they
were giving us bursaries.
The government had just decidedthat they needed to boost the
(16:18):
training of nurses, so they weregiving us bursaries.
So that was a good thing for me, because then I could earn
money not to worry about my ownbeing looked after or looking
after myself.
But that also gave me theopportunity to then look after
my siblings as well, because Ihad money to do that for them.
Speaker 1 (16:39):
Oh, wow, that's great .
So you studied nursing, andthen what?
How did what made you come tothe UK?
Um, how did that happen?
Because you know, because nowyou are still in this city, I
suppose.
Yeah, okay, so let's talk usthrough that journey.
Speaker 2 (16:55):
Of course, in terms of the uh after the nursing.
So nursing, doing nursing, wasone of the greatest um
fulfillment of my life because,um, before I even went into
nursing I was waiting for theadmission and it took long.
And um, nursing has been known,notoriously, for people have to
bribe before you can go into.
So some of you who are in theWest and from the West you don't
(17:18):
know what that is In Africait's what you know kind of
scenario, especially wherethere's money involved.
But the fortunate thing for mewas the principal at that school
was a seminarian.
He had been to seminary schoolbefore so he didn't do bribe,
otherwise perhaps I wouldn'thave gotten in.
I'm in another school before,so he didn't do bribe, otherwise
(17:42):
perhaps I wouldn't have gottenin.
But I was waiting for too longand I decided to branch into
teaching, to kind of apply andgo into teaching.
So I went into teaching teachertraining college for like three
months and as soon as theadmission for nursing came in I
did a transition.
I just felt at peace because,number one, the space wasn't
crowded.
(18:02):
Most of the people I wastraining with were matured women
already who had done what theyused to call enrolled nursing
and then they were just comingin to do their state registered.
So it just felt good for me andI mean a lot of them looked
after me as well, because I wasjust a small girl, small girl
(18:24):
with a lot of ambition, likesome of them actually saw that,
you know, I was very ambitious.
I was compassionate as well,because looking after my
siblings was something that someof them could not understand,
because how would a young girlbe looking after others instead
of spending her money?
But anyway, so I completed andthen I worked for a few years
(18:49):
and then the opportunity to goabroad came, because I think it
was during the Labour government, when Labour had just taken
over after a long reign ofconservative, like we're seeing
now, they opened the door forhealth staff to come, and that
was how I got the opportunity.
Even with that, people werestill asking me and I said you
(19:12):
know, I don't have the money, Idon't have the money.
You know how I mean?
Mean, you are the brain umexpert.
When you say I don't or can't,that's it, you shut yourself out
.
So until one day I got the umhint that one of my colleagues
had come and her husband was abank manager, so I knew that she
(19:35):
could get the money to come andthen, so that was when I was
able to contact her, and thenshe helped me with the process,
and then I landed here in thiscold weather Wow.
Speaker 1 (19:47):
I'm going to go back a bit and come forward, if
there's something you touched onthat I like, which is ambition.
You said that they saw theambition in you, beatrice.
Where do you believe thisambition came from?
Because, from what you'vedescribed, there wasn't that
much.
You know, you came from thevillage.
You didn't really see that much, even though your dad,
exclusively, was training hischildren.
(20:09):
Where do you believe that, orwhere do you feel that ambition
came from?
Speaker 2 (20:16):
I think both my mom and dad were very ambitious.
So my dad was very ambitious,he could see us past the village
.
I mean, I just wish there wassome type of recording of his
conversation that we couldreplay, because he would always.
I mean, I remember one time wewent to because when they
(20:36):
prepared him food like theAfrican tradition you have to go
and kneel down and he'll washhis hands and then he's wearing
a watch and then I say, oh, yourwatch will get wet and then it
will spoil it.
And he says, no, not this typeof watch.
When you grow up you'll be ableto wear this type of like.
I still remember that.
(20:56):
So he could see us, you know,beyond the village.
And for my mom my momunfortunately she didn't go to
school, but my mom is, so Ithink she's the most ambitious
person that I could ever see inthis world, because when she was
(21:17):
growing up you know, youngpeople you give each other names
and things like that sheactually called herself, named
herself, a broad queen, like thequeen, like the queen of, yeah,
the I don't know how tointernational queen exactly, and
even up to now that's how theystill call her.
(21:39):
Wow, and she did not have anyexposure whatsoever to anything.
So, and her like, going toschool, being able to pay school
fees, because she was trading,so any time during holidays I
have to go home, like the longthree months I have to go home
(21:59):
and actually farm so that youraise the money to go back and
pay school fees, and all that.
She was just sold out on makingsure that all of us had
education because she just knewthat was the way out for us.
Yeah, so I would say that it'smy parents.
Speaker 1 (22:16):
You know what, before you go on to the next question,
I'm gonna stop.
I'm gonna stop you therebecause I'm smiling so much,
because I'm listening to youtalking about your parents,
talking about your mom, wholiterally was a dreamer.
You know, she had ambition.
She was dreaming big and namedherself international queen.
(22:37):
And people don't realize thepower of dreaming, the power of
words, the power of what youactually can believe in.
And even though she didn't haveit as well okay, she was
building up her business.
But your parents really putthis ambition onto you children.
And the reason why I'm smiling alot is back to this your book.
(23:01):
Win the money game with yourchild.
You are literally doing thesame thing.
You've raised two businessbusiness, young ladies or you're
, you know youth and now you'vewritten a book doing the same
thing.
So the reason I was trying isthat it's just so powerful how
(23:21):
we raise children, what we sayto our children and what we do.
And I know this will come upmore in our conversation,
because you've literally takenwhat you've learned from them
and pushed it into your ownchildren, and now you're even
spreading it out into the worldto all children, because as
people read your book, they cando the same with their own
(23:44):
children.
That is just so incredible.
Speaker 2 (23:47):
That's amazing, actually, because I never really
think about it that way.
Honestly, I've never reallythought about it that way.
My mom was so ambitious I'venever really thought about it
that way.
My mum was so ambitious In hergrowing up years.
My grandma looked after herbecause in our clunk your
(24:10):
brother's child you could lookafter your brother's daughter.
Speaker 1 (24:13):
That's right, yes, and then.
Speaker 2 (24:15):
So when the child is given to you, the the parents
will say that this is your child.
You raise the child and whoevermarries the child, you decide.
So my, my, um, my grandma thenasked my mom at some point in
her life she had three sons, allgreat sons which of these men
(24:38):
would you want to marry when yougrew up?
And the youngest son waseducated, and my mom chose him.
Speaker 1 (24:45):
Oh, you see yeah.
Speaker 2 (24:49):
To live her choice, because eventually they
betrothed her to my dad, but shealready knew what she wanted.
As a young person she knew howgood life was, so to speak.
So, yes, um, thanks forhighlighting that, because I've
I've never really correlated atthe um the sequence of you know
(25:12):
how things are panning out yeah,that's incredible, incredible,
right, okay, so now you likearrive in the UK, young lady,
another big country.
Speaker 1 (25:24):
How did you navigate the transition?
Speaker 2 (25:28):
not very well, so unfortunately.
Um.
So when the opportunity cameand I started, I had, um, only
newly been married and wasexpecting a child, so but I had
to do the the visa process.
My husband is a nurse as well,so I did the visa process for
(25:49):
both of us until it got to apoint that we needed.
He needed to go for a visabecause I had a baby.
So he came first and then ayear later, my blessing, my
eldest daughter was then one anda half years old.
She was okay enough to staywith my mom before I came and
(26:10):
then brought her over.
So when I got here, it was Ileft Ghana 25 degrees and got to
UK six hours later, minus threedegrees.
I have to laugh, even mygreatest enemy, honestly.
Speaker 1 (26:33):
That's so funny.
Speaker 2 (26:37):
Yeah, so it wasn't easy.
But I think the other thing wasthe fact that I had to wait for
my what's the word?
Adaptation.
So we used to do three monthsadaptation and I had to wait for
that.
And in the process of waitingfor that I was, I had to work in
(27:01):
a nursing home.
Now I had just finishedmidwifery and I was looking
after mothers and babies.
It was a joyful I for nursing,like I really really loved to
nurse.
I just loved looking out forpeople, and so to move from
there to elder, like from birthto the end of life, was really
(27:26):
took its toll as well, becauseit I just felt that my services
wasn't valued, because what'sthe point?
But not until when I startedwith nursing in the NHS, things
picked up for me.
But I think the difference isalso the fact that with nursing
(27:51):
in Ghana we used to do five toseven hours maximum, and then I
got here and we had to do 12hours shift oh, wow yeah yeah,
it's a real culture shock, right?
Speaker 1 (28:08):
okay, so things happened.
You then have your children and, um, why did you then decide to
go into business?
Actually, I'm asking thisquestion, but I know why.
Because, from what you'vealready described being brought
up by a strong businesswoman I'mnot surprised.
(28:30):
But what was your mindset inactually getting into business
and what was the business why?
You know?
Talk us through that.
Speaker 2 (28:42):
So, in terms of this country, I never really kind of
settled in.
My aim was to make some moneygo home, but the problem was
that I needed my children to bein Ghana so that I could have
that freedom to work quickly andmake the money.
(29:02):
My mom, she grew up in thevillage, everything in the
village, so she didn't find iteasy to stay in the township so
that the children could go toschool.
So I had to, you know, bringblessing over and then obviously
looking after family, and allthat just took his toll.
(29:24):
But my main thing was that Iwanted to go and open a
pharmaceutical company.
You know people would say that,oh, because you're a nurse, you
go and open a clinic.
When I'm doing business, I'mthinking of the easiest way
possible to be able to servepeople and to make money.
Pharmacy is opening a big shopthat I would sell to people.
(29:49):
End of story.
I know how difficult it is tolook after patients and when it
comes to opening a clinic, itinvolves so much more than you
know.
It's not a simple businessmodel.
That's what I'm trying to sayin a nutshell.
So I did a degree in business.
So I a nutshell, um, so I did adegree in business, so I missed
all this.
I did a degree in business sothat I could go home and then
(30:12):
after that, then I realized thatthe young people I was looking
after back home they allfinished school and there was no
jobs for them and then I saidso, even if I go, they are going
to be my burden because, auntie, auntie, do this, auntie, do
that.
I will never be able to livethe life I want to live.
So why don't I work my way ofbringing them over and then
(30:36):
leaving them here and going backhome?
Speaker 1 (30:39):
Interesting.
Speaker 2 (30:45):
So that was the plan.
And then so, um, I finisheddegree, finished, um, the the
next thing you didn't I mean thebusiness degree.
But I then said, okay,international development.
You know, if you're from africa, you know that ngos they make
money.
So for me, like vanessa wouldsay she was telling my son
(31:08):
yesterday she says you know,anything mom does is the money
game.
You have to win the money gamebecause what, what, what else,
as long as you're serving peopleand making the money, that's
the most important thing.
So I did the internationaldevelopment program so that I
(31:31):
could go work for NGOnon-governmental organization.
But, of course, soon as Ifinished, somebody introduced
this idea of agency nursing tome.
She said you know what Agencynurses?
They're making a lot of money.
And true, true, we were makinga lot of money.
We were receiving like doublewhat we earned at that time.
(31:53):
And also there was a taxloophole that everybody
exploited and weren't paying alot of tax.
So we're making great money.
Until the government realizedit and closed that opportunity.
But what that then led to wasthat oh, wow, okay, this is, our
(32:15):
business is and you know, Ijust didn't feel like going back
to be making 15, 16 pound anhour, 12 hour shift, not
children.
So that is when I started thebusiness.
Speaker 1 (32:31):
Wow.
So what is the business youstarted?
Speaker 2 (32:35):
So I started social media marketing.
Speaker 1 (32:38):
Why social media marketing?
Speaker 2 (32:41):
Well, that's something that I myself don't
know why.
Well, that's something that Imyself don't know why.
So, from the beginning, whenall this saga happened, with
government changing theregulations, I decided to resign
from agency and I wasn'tthinking of what to do.
(33:03):
What year was this?
2017.
Okay, around this time, I sawthis lady, caroline Marsh, on
the TV program SecretMillionaire.
Now, up until that point, I hadnever seen a black woman on
that program.
I was watching it, but I neversaw a black man, never mind a
(33:26):
woman.
So I was watching it, but Inever saw a black man, never
mind the woman.
So I was so excited.
I'm somebody who likes tocelebrate people.
When you're winning, I'm yourcheerleader, so I'm jumping in
my room and then everybody's asit was this.
I said come and see this woman.
Come and see this woman andfollowing her on, going online
and finding her, reading abouther story.
(33:47):
She just inspired me so much.
So I started going to businessconferences with the aim of
doing property.
But when I got to businessesthe conferences, again, the
easiest way out was social mediamarketing, because they said ah
, you can do this business inyour bed.
I said find me on.
(34:08):
But I think seriously what mymotivation was.
This guy was talking about yourchildren can do this.
You can get your children to dothis.
Okay, yeah, and I said, yes, Ican get my girls to do it, oh
wow yeah.
And that's how I signed up.
Speaker 1 (34:29):
Yeah, Wow, that's amazing.
That's amazing.
So you then started thebusiness because I met you
probably around 2018.
Yes, I think, yes, 2018.
Speaker 2 (34:42):
Yeah, 2017 was just about preparation, because I was
just reading books, I was goingto seminars, I was doing things
like that.
Yeah actually started.
What starting point was 2018.
Speaker 1 (34:55):
So, beatrice, you then started the business and,
um, what then led you?
And, okay, talk us through whatyou've done with your girls,
because I think that'sincredible, so that inspired you
to start, because you couldactually, you know, get your
children in and, to be fair, alot of people will hear that and
(35:16):
it will excite them, but theydon't actually do it, because to
really bring kids into, tobuild them up to, into business
is not that straightforward oreasy actually with this
generation.
So how did you manage to do it?
And do it very well, becauseI've heard your girls speak,
I've heard their story and Ithink it's just so powerful.
(35:38):
So how did you do it?
Speaker 2 (35:40):
Thank you so much.
Yeah, so when I sign up andthen I came home, I I'm somebody
.
When I'm excited, I'm excited,when I'm not excited, everybody
knows.
So, with that excitement, all Iwanted to do was to get them to
, to buy into into the the ideaof social media marketing.
(36:04):
I think at that time Instagramwas not very old, you know,
compared to Facebook, and theywere starting to get involved.
And initially I said no becauseI wasn't online, but hearing
what my then mentor talked about, you know, getting the children
involved, I kind of bought intothe idea.
(36:26):
And then so I started with ablog.
He said write a blog, open asocial media account, but,
importantly, write a blog.
So during the blog writing theblog, I needed pictures, and
then Vanessa would get me thepictures of food.
I started with health, and thenso she because she, she's
(36:47):
artistic she just decided thatyou know what, I'm gonna open an
Instagram account and then beposting these pictures.
And then she did, and lessonstarted with the beauty account,
because I was having challengeswith her even when she started
to put on makeup at 14.
I said no, so so at that pointshe then also started, and then
(37:10):
they grew so fast on Instagrambecause they knew these things
and I didn't.
I had to learn from scratch.
So they built up their Beauty.
With Blessings account, whichis the beauty account on
Instagram, went over 20,000.
Like, it didn't take long atall.
And then Vanessa did hers up to4,000.
(37:34):
And then they were the onesthat found out how to monetize
this.
So I'm still trying learning howto speak, learning how to do
webinars and then they were justreally flying um with it
because it it didn't have to bethat knee compelling them to do
it, it was something that theyloved.
(37:55):
And then they just picked it upbecause when vanessa went with
shake shark, which is amulti-billion dollar company, I
didn't even know that that's howbig that company is, but
because they saw her profile onon Instagram, they wanted her to
promote their food.
So and and if she would tellyou in her story, it didn't just
(38:16):
come to her, she had to workfor it.
So, in terms of bringing ourchildren up into this kind of
lifestyle, it has to besomething that they enjoy doing
and it doesn't have to feel likework, because if it feels like
work to them, they are not goingto do it.
It will be like you are tryingto fit them into a box.
(38:38):
When myself and you met on thespeaking program, that was my
skills now helping them to putthis into, articulate, this
story, so that they could helpother young people hear their
story, because they were doing,you know really well just before
(38:59):
the pandemic.
So that that's how our journeyhas evolved into now doing
coaching and all that we havedone.
Speaker 1 (39:08):
That's amazing.
That is amazing.
A family of entrepreneurs.
I just love it.
And you said something reallyvital there.
It has to be something thatthey enjoy doing, and you didn't
really need to compel them, butyou gave them the platform.
It's almost like you gave themthe environment, the platform,
the support to do it, and,because it's such a different
(39:31):
generation as well, they pick upthings so easily.
It's something that is therefree for.
It's just amazing.
Speaker 2 (40:03):
No, well done, well done.
It's incredible.
Now let's come to your book.
The book is called Win theMoney Game with your Child how
to Achieve Financial Freedom foryour Family.
In conferences and in women'sorganizations and in churches,
just getting people to beinspired about the fact that you
could actually use the onlinespace to create an income.
(40:26):
And then so, when the pandemichappened, they were sat at home
doing nothing.
We couldn't go to churches, andso we decided I mean, they were
doing a few online forums, butI asked, I told them, why don't
you put this in the course?
And then that's what they did.
(40:47):
So they were able to do therecording of the models, editing
, uploading into funnels.
You know all that.
You know everything that youtalk about digital.
They were able to do it and andfor me, that just was
inspirational to see that, fromthe point of knowing about
(41:09):
instagram to this point of beingable to become course creators,
um was just, was justincredible.
So, indeed, they did that.
And then, um, parents just wereasking okay, how can I work
with my child?
How can I work with my child?
And that's when we launched aSimply Family Business program.
(41:29):
Again, as you were saying, thetraining that we did within the
speaking speaking with Andy washaving a model that you can
actually get people through, andso we got that model as, simply
, that is just helping people tosearch for their niche, helping
them to identify their platformthat they would actually use to
(41:54):
promote their business, helpingthem to master the business
process, ie how to set businessplans and goals and then helping
them to position themselves asthe go-to person in the industry
and then helping them leveragethe power of the website
worldwide so not just socialmedia but other digital media
(42:18):
website Google to be able topromote themselves and then help
them yield profit, which isbeing able to onboard customers
and process and help themachieve results.
So that's the simple model.
We launched the coaching andthen so, of course, coaching
(42:39):
means that people who areinterested in actually getting
coached.
But then, as time went on, Idecided that you know what?
Why don't I put this in a book?
Because, again, that was frommy initial training.
That was one of the things thatthey talked about.
If you have something, it's noteverybody who would be able to
get to do business with you atthe top end, but people can
(43:04):
start from a book and then theylearn to buy this concept,
because I know that the onlineis a haven for us.
If we embrace it, most of usparents will go to work for
hours like I mentioned 12 hours,14 hours.
We're working and leaving thechildren at home.
(43:25):
Meanwhile they have the ideas,they know what to do to be able
to make money.
If we could support them.
So that is the reason for thebook.
That's amazing.
Speaker 1 (43:36):
So, of course, I've looked at the book and it's just
full of so much resources, somuch information to really help
people build.
So, from your perspective, youknow just kind of bringing it
all together.
What's the main message in thebook?
Because I looked at it, you'vegot everything.
I've not finished reading it,but I will.
(43:58):
It's got selling, it's got youknow, and even the psychology of
selling, which I find quiteinteresting as well.
You really went into that whichis so powerful.
So for you, in terms of writingthe book, what's the core
message in the book?
And also, what lessons have youlearned over time in terms of
(44:18):
really helping children developa business that you want to
share with other parents as well?
Speaker 2 (44:25):
Lovely.
Thank you so much.
So the core message about thebook is financial freedom.
We just need to be financiallyfree as parents and then the joy
of parenting will be incrediblyamazing.
But in order for us to becomefinancially free, we have to go
to work to be able to bring inmoney.
(44:47):
Unfortunately, we don't knowmuch about money.
Most of us don't.
I think it's over 90% or 95% ofpeople don't know why they go
to work in the first place.
Because they go just to makemoney, to come and settle bills.
But that's not the key reasonwhy we go to work.
Settled bills, but that's notthe key reason why we go to work
(45:09):
.
We should go to work to be ableto make the money, to follow the
principles of built-in wealth,so that life becomes enjoyable.
Because we don't know theprinciples of money and how to
manage money, we are in themotion of going to work, so we
just go to work make the money,spend the money.
Go to work, make the money,spend the money.
Then the children are there whocan make the money.
(45:30):
So why don't we learn theskills that can help us?
Number one then we have a dualpurpose of imagine working with
your child who loves what theydo.
It's amazing because you seethe smile in their face when
they make money.
So, in a nutshell, financialfreedom.
(45:52):
How do we get there?
How do we get our childreninvolved to make it faster,
quicker for us, so that we canlive life the way we desire for
ourselves?
That is the message of the book.
Speaker 1 (46:06):
Well, thanks so much.
So what is the differencebetween financial freedom, or
creating that financial freedom,and creating wealth?
What's the difference betweenboth?
Speaker 2 (46:20):
So financial freedom means that you don't have to go
to work if you don't want to.
Whatever you have invested inin life, be it housing, be it
stocks, whatever it is that youhave invested in can actually
generate money every month thatwill cover your expenses.
(46:42):
So you don't need to go to work.
It doesn't mean that you won'twork, because the point of
working is also to inspire youalso to build more.
Now in terms of wealth, youneed to ensure that not only are
you getting the money just tosurvive or to meet your needs,
(47:03):
but there's enough money thatcan cover your lifetime and
cover several generations tocome.
So wealth building is beyondjust financial freedom, but we
have to start from, first of all, getting to become financially
independent.
Speaker 1 (47:22):
So what challenges have you found, though, in
creating or even teaching yourchildren about financial freedom
and creating work?
What challenges have you foundalong the way to help other
parents?
Yes, Okay.
Speaker 2 (47:41):
So in terms of bringing up my children, what
some of us unfortunately thinkis that it's going to be easy.
Nothing good comes easy.
There was no networking event.
I didn't send them.
We were forever in London goingto network event after network
(48:05):
event.
Now I remember one of theevents we went.
This was one lady called maybeit's a monk or she's a
businesswoman a Ghanaianbusinesswoman in London.
I remember at the time thatthey say introduce yourself.
I saw my daughter going intothe bathroom and I went after
(48:28):
her because she was trying tododge that.
Yes, and I went after her andat that time I've already just
been speaking to a lady who saidshe was a foodie.
So foodie means that theirpassion is about food and
they're posting things onInstagram.
So I just went and said ohVanessa, where are you going?
She says I'm going to use thebathroom.
I said can you speak to thislady because she's a foody?
(48:50):
And up to this day, she andthat lady are still in contact.
So as a parent, you need to comeout, otherwise your child.
You can't just sit and ask themto do xyz.
It won't work because they alsohave their insecurities.
(49:10):
If we parents are havinginsecurities, they also have
insecurities, so we have toguide them.
So they have the ideas, butthey are waiting for us to now
guide them to that place wherethey can stand in their own
power.
Now Vanessa has been invitedhere and there She'll be going
(49:32):
to Manchester to do a speech.
Some of these things I'm noteven.
I mean they send me emails, butnow that she's 18, she does it
herself anyway.
But they used to send me emailsto say, oh, can Vanessa speak
at this?
Can Vanessa do this?
Can Vanessa do that?
And I would be the first personto.
Even sometimes, if they so, forexample, they would send an
(49:57):
email and set the deadline andjust for any reason, if I
haven't seen the deadline andthen it passes, I would
personally go on the phone andspeak to the person because I
just want her to have thatexposure.
So for parents, we need to besold out on this that they
(50:17):
cannot do it without us.
We cannot sit down and sendthem.
It's not an errand where yousay, go and bring me the remote
control.
You have to be there walkingwith them side by side, going to
children's event, going toadults event, introducing them
to people.
I mean when vanessa startedwith her her website design.
(50:37):
I was busy introducing her inthe church.
I said, oh, vanessa has donethe website and and she'll be
like, oh, mom.
And then so people startedpatronizing her web design.
Blessing is currently workingwith Donia.
I introduced her to Donia, Iintroduced her and then Donia
introduced her to her sister,who employed her to work with.
(51:01):
You know the likes of theOlympic Games when they were
doing it the last time sheactually did social media on the
Olympic Games.
Like you have to be out thereas a parent to get them to that
level.
So yeah, in terms of challenges, they will be there, but we
(51:21):
have to be having thatdiscipline to see them through.
Speaker 1 (51:27):
I love that.
I love that.
I love the fact that when shewas trying to escape, you called
her back, but what you did isbrought her back to speak to
someone, that they had somethingin common and that then kind of
calmed the nerves or theanxiety, and that was very smart
as well.
And something else youmentioned is giving them the
(51:50):
exposure.
Will it be scary?
Yes, it was, and that was whyshe was trying to run away.
And that's that flight, flightor freeze mechanism.
Hers was the flight response,trying to run, but what you did
was brought her back tosomething that will calm her.
That is the foodie.
I love that.
That's so powerful and theseare skills we can implement in
(52:12):
different aspects of our livesto support our children, to be
able to be resilient, becausechallenges come, yes, but how do
they navigate it when they come?
So I think one final question,because we're getting close to
it, and one other question Iwant to ask is now that you've
really brought up your children,trained them to build
(52:35):
financially independent or to befinancially independent, how
have they used this to theirbenefits now, in terms of the
education, in terms of life?
How have they used it?
Speaker 2 (52:48):
Wow, that's a very powerful question and actually
that's the excitement of thisall, because at the end of the
day, I keep saying I startedmaking money when I was young
and I haven't, you know, Ididn't become financially
independent quick enough becauseI didn't know the principles,
(53:11):
but my aim is to ensure that Iinstill those into my children.
So Vanessa recently got base ofthis.
Okay, she.
One of the things that I alwayswanted to do, or always want to
do, is to help the children todo the things that they love to
do.
So vanessa was artistic.
(53:32):
When she was going to sixth form, we had to look for a school
that was over a one hour awayfrom our home so that she could
get into the art school.
Uh, it turned out that not onlywas she didn't do art, but it
also was a computer scienceoriented.
But because she loved art andshe couldn't do the arts without
(53:54):
the computer, according to theprogram, guess what?
She accepted to do computerscience, double computer science
, for somebody who had neverdone computer.
She didn't do computer sciencein secondary school.
So that's how the love ofsomething can actually pull you
into doing something reallyuseful.
(54:16):
So, based off that, when shefinished one of the things that
the school is good at is helpingthem get apprenticeship.
So you can imagine she wastraveling over an hour to school
.
But what has she got from there?
She was able because of thecomputer science that she did.
(54:37):
Now she doesn't even talk of us.
Surprisingly, she was able toget apprenticeship to work with
Just Eat as a tech support.
Oh wow, she's earning anundergraduate salary, yeah, at
age 18.
(54:57):
I mean, I look at it and I'mlike am I even dreaming?
Speaker 1 (55:03):
That is incredible.
Speaker 2 (55:06):
Yeah, blessing is at school, but she's working online
.
She's still working with Donnyall these years.
When she was doing her gap year, there was this government
program that Donny had.
She was earning good money inpandemic.
She was earning money sittingat home.
Was earning good money inpandemic.
(55:28):
She was earning money sittingat home.
Sometimes she could go out.
You are out and she's holdingher phone for the work that she
did.
Every now and then she wouldglance and answer whatever
question that they wanted toanswer and then so the ease of
things that they can do to earnmoney is actually beneficial
because she's reading marketingas well, but she's able to work
remotely.
(55:50):
Like I said, I didn't likeengland, so they can go and live
anywhere in the warm countryand still earn good money.
My last but not the least, myson.
He started with t account usingsports cars, so with that I
mean I am sold out.
(56:10):
Whatever they are going to doif it's not detrimental to their
growth.
I'm a cheerleader, so he's beenposting.
Now his account is over 5,000followers on TikTok and he's got
over a million views on hisvideos.
I mean come with time he isgoing to be able to monetize
(56:34):
that account yeah that's fordoing the things that he enjoys.
He doesn't have to stress forthe money and for me that.
I think that's the message yeah, that's really powerful.
Speaker 1 (56:46):
That's really powerful because what you're
giving them is um skills, thatit also enables them to be very
adaptable, um, and to be able toreally make a way even when
problems or challenges,obstacles, are there, and that's
really um so valuable.
So, honestly, well done,beatrice.
(57:08):
This is really this has been afantastic conversation.
So where can people find you interms of your business?
But, most importantly now,where can they find this book?
Win the Money Game with yourChild, and I love that.
The money game with your child.
We really didn't have time togo much deeper into quite a bit
(57:31):
of the things, but the book isso detailed.
It really has so much you know.
Get in the money game, moneymindset, which is so powerful,
and then the research roadmap ofhow to start a business,
digital Platform Planner,business Process Accelerator,
brand Design Masterpiece.
(57:52):
This book is just phenomenal.
It's a great, great book.
So, understanding what money is.
I love that.
So where can people buy thisbook?
Everyone needs a copy.
Where can they get it?
Speaker 2 (58:08):
thank you so much.
Yes, so, uh, the book is onamazon, um, if you type in
beatrice yacobo, win the moneygame, uh, it's all.
It's live on amazon.
Uh, it's also on my socialmedia channels.
So I am beatrice yacobo, all ofthe channels um, on instagram,
on linkedin, on youtube.
(58:30):
Yeah, um, it's all over theplace.
So, or just contact me, info atbeatriceyacobocom, and indeed,
we, I will get this.
I will send you some copiesawesome, awesome.
Speaker 1 (58:44):
I'm going to put all Beatrice's information in the
description for this podcast sothat you can contact her, and
there will be a link to whereyou can buy the book on Amazon
or wherever else you get booksfrom.
But this book is just anamazing book.
There's just so much detail anddepth into it.
(59:04):
And also, if you are thinkingnow, how do I help my children
build up their own financialindependence, how do I enable
them to become independent?
Beatrice, the information willbe at the bottom.
Do reach out to her.
She's done it, as you can see,so she will be so much help to
(59:26):
you.
Beatrice, thank you so much forcoming on to this podcast.
I want you to just finally giveus one last final wisdom to
leave us with at the end of thispodcast.
Speaker 2 (59:42):
Lovely.
Thank you so much for having me.
I really, really appreciate you.
I just want us to know in myopinion, parenting can be
amazing if we didn't have tostrive for money, if we didn't
have to run to work, run to this, run to that, not having time
(01:00:05):
to look after the children, nothaving time to take them to
school, not having time to bethere when they come back from
school.
Like you are going out whenthey are sleeping, you come back
when they are in bed.
Seriously, we need to thinkdifferently and Win.
The Money Game will give youthe answers to some of the
(01:00:28):
questions, some of the thingsthat you felt.
You didn't know how.
All the information is in therefor you to take charge, because
, at the end of the day,children are a gift and I think
that we should be rejoicingwhile raising them.
Speaker 1 (01:00:45):
Thank you so much, beatrice.
What a great way to end it.
Great advice to parents,actually.
That's lovely.
Thank you once again, and Ilook forward to hearing all the
great things that you're doingwith your children and the
business.
Thank you again, beatrice, forcoming on to this podcast.
(01:01:07):
Thank you for joining us ontoday's episode of Lead to Excel
podcast.
I hope our discussion hasinspired you.
Remember achieving excellenceis a marathon and every step
counts towards your goals.
If today's conversation sparkedany thoughts or questions, feel
(01:01:28):
free to share them with me onLinkedIn, facebook and Twitter,
and consider leaving a review onyour favorite podcast platform.
You can also find this podcaston YouTube.
Your feedback helps us grow andreach more listeners.
Don't forget to subscribe tonever miss an episode filled
(01:01:48):
with expert insights andinspiration.
Until next time, this isMaureen Chiana, reminding you to
stay curious, stay driven andtogether let's remain limitless
and change the world.
Bye for now.
Hello and welcome to Lead to Excel podcast, where
every story sparks inspirationand every conversation brings
you closer to your best self.
I'm Maureen Chiana and I'm hereto explore the extraordinary
fusion of leadership, emotionalintelligence and the
groundbreaking insights ofneuroscience and the
(00:27):
groundbreaking insights ofneuroscience.
Together, we'll uncover secretsto unlocking your potential,
enhancing your decision-makingand elevating your performance
to new heights.
Whether you're leading a team,building a dream or simply on a
quest for personal growth,you're in the right place, so
let's dive in and transform theway we think, lead and live.
Welcome aboard.
(00:48):
Welcome again to anotherepisode of Lead to Excel podcast
.
Today I have a really specialguest, and I mean really special
guest.
I have known this lady for somany years.
We met when we were bothlearning to do public speaking
with Andy Harrington, and thenit's been such a wonderful
(01:10):
journey just you know, kind ofwatching both of us grow and
evolve and so much more.
But what sets this lady apartis something she's done with her
children, and we're going toget into it a bit later, but
recently, I think a follow upfrom the way she's really
(01:30):
groomed her children in businessshe's launched a book and for
those on audio, I'm actuallyshowing a copy of the book, and
we're going to be talking a lotabout this.
So, beatrice, I am just soamazed.
The name of the book is Win theMoney Game with your Child.
Wow, we're going to be talkingabout this a bit later, but
(01:52):
congratulations again andwelcome to Lead to Excel podcast
.
Speaker 2 (01:57):
Wow, thank you so much.
Maureen, thank you so much forthe introduction.
I am so, so excited to be here,and I'm just happy to see us
all grow and indeed see uscollaborate in this significant
way.
I can't wait for us to dive in.
Speaker 1 (02:16):
Thank you so much.
So, beatrice Yakubu, welcomeagain.
I don't think I mentioned yourname at the beginning, so it is.
Beatrice Yakubi is with metoday.
So, beatrice, let's find outwho Beatrice is.
Tell us a bit about you.
What do you do?
Who is Beatrice?
Speaker 2 (02:36):
Thank you so much for that question, so I just want
to say thank you once again forinviting me to this podcast lead
to excel.
I have been listening to thepodcast for some time now.
I have never told you that, butI do, but, uh, yeah, to be a
(02:56):
part of it is is incredible.
Now, um, who is beatrice yakubu?
I am a mother, a wife and abeliever in Christ.
I'm an entrepreneur andrecently a new author, so that's
, in a nutshell, who I am, but Ithink one of the things that I
(03:18):
can say about me is that I'm agreat networker as well.
Yeah, just as time goes on, Irealize that, yes, that's one of
the things that I can do, anddo good, yeah, yeah.
Speaker 1 (03:31):
I agree with that.
Actually, I would say you're agreat networker.
And so, Beatrice, let's kind ofgo a bit backward into your
youth age.
Where did you grow up and whatwas life?
Speaker 2 (03:47):
like.
So it's interesting you askthat question because sometimes
perhaps, when you get to a stagein life, people don't even
cannot even conceptualize howyou know the type of places some
of us grew up in.
So I grew up in rural northernGhana and it was subsistence
(04:10):
living.
We just went to farm, farmedour produce, came and cooked and
ate and that's it sleep.
And then the following day thecycle repeated itself.
But one thing that we kind ofgot advantage for was
missionaries brought to schoolto my village, and that was
(04:30):
before I was born and my dad wasthe chief of my village and he
had seven wives.
So we're so many of us runningaround not knowing what we're
doing.
But in his youth he was alsodrafted into the army.
I think that was in World WarII.
So when he came back themission for him was to ensure
(04:52):
that all his children goteducated.
So he really sent us all toschool, however we were doing.
It was like a set stone If youwere born in our house you will
go to school, whether you wantto go to school or not.
But I think for me going toschool was a way of escape from
chores.
I keep telling my children Isay well, you know, I think I
(05:15):
need to send you back to Ghana,because we went to school,
because we didn't want to dochores.
Now our children can't, so theyhave to go to school.
Chores now, children, guys,yeah, so that's that's how I you
know I was, I grew up, um wentto secondary school.
So to go to middle schoolinvolved.
(05:35):
So those days we had primaryschool up to primary six and
then middle school.
My, at that time there was nomiddle school, so you finished
probably at age 11 or 12, andthat was it.
You had to walk like five milesa day, that's 10 miles in and
out every day to go to school,to continue with middle school.
(05:57):
Yeah, so in the time of middleschool, two years into middle
school, I think, the walkingtook a toll on me.
I was not well and one of theteachers suggested why don't you
write a common entrance exam sothat you could go to secondary
school?
And that's how I escaped I rodepast and went to secondary
(06:17):
school at 13.
And that I had to leave thecomfort of everything I knew to
be in the township because therewas no way I could walk from
the village to the school.
So I had to go and live with anauntie for five years to get
secondary education.
Speaker 1 (06:39):
Wow, that's amazing Ten miles a day.
And when you look back now, howdid that experience shape you?
Because walking 10 miles for achild is a lot.
There's resilience there, youknow there's a lot.
So how do you feel that kind ofshaped your adulthood, your
(07:00):
adulthood A lot.
Speaker 2 (07:03):
I think that one thing that I can say is that, to
be able to do that, a lot ofchildren actually dropped out in
those years, and for most of usin my father's house we didn't
one.
We didn't have an optionbecause my dad will not allow
you to drop out of school.
But the other thing was thefact that we knew, because our
(07:27):
elder brothers and sisters, ourstepbrothers and sisters, had
finished school and they wereliving in a township and having
what we termed as a good life.
So that was an inspiration andwe couldn't like.
If you wanted that kind of life, you had to endure the 10-mile
journey every day.
(07:48):
But I think that has alsoshaped my life, because I don't
think there's anything that youcan throw at me that would crush
me, because you know what.
I've seen it all.
What is it that I can't do?
So, yeah, that built me up towhere I am and what I do now.
Speaker 1 (08:08):
Oh, interesting.
So when you left to live withyour aunt, that must have been
frightening, you know.
Interesting because, like yousaid, you left the comfort of
your home.
So those five years you werewith her, kind of going to
school.
What was that like?
Speaker 2 (08:26):
Frightening, yes, exciting, yes.
But my elder sister was livingin a township, but she for some
reason didn't want me with her.
Speaker 1 (08:40):
So she didn't want a younger sister cramping her
style.
Speaker 2 (08:45):
That's it, you just nailed it.
Yes, so my auntie, who was, youknow, a grown woman, had to
take me in, and this was a ladywho looked after my sister when
she was in secondary school.
So I didn't know her up to thatpoint, I didn't know her.
My mom said go and live withyour auntie.
(09:07):
So I was excited to be in thetownship, to live the village
lifestyle and to also see.
In those days you'd be able tosee cars running about and
radios playing.
That time there was no TV, wedidn't have TVs.
Or perhaps there was no tv, wedidn't have tvs, um, or perhaps
(09:30):
there was no tv network, so itwas just radios and and and and
tape recordings that you couldlisten to.
But, um, the frightening thingwas just being with someone whom
I didn't know and also lookingback, I think I felt really,
really exposed very, veryvulnerable.
Speaker 1 (09:50):
What do you mean by that, though?
Speaker 2 (09:52):
I mean because you know, when you are a child,
there are certain things you'rejust scared to be alone, yeah,
and when you are with somebodythat you don't know, it feels
like you are actually alone.
She did her best and herchildren also did their best.
Unfortunately, she recentlypassed.
Her children also did theirbest to support me, but I just
(10:17):
felt that if I could go tosecondary school like a boarding
school at that time I wouldhave, but of course we didn't
have money to be able to take meto boarding school that time I
would have, but of course wedidn't have money to be able to
take me to boarding school, so Ihad to stay yeah, you mentioned
something that I think isreally interesting and I kind of
want to dig a bit deeper intothat before I move on.
Speaker 1 (10:36):
you said that when you're there you're not alone,
but you're alone and that's aninteresting emotion to feel, or
you know experience to have.
Do you remember how younavigated it, more for yourself,
emotionally?
Do you remember how you managedto navigate, because you are
(10:59):
quite young as well?
Speaker 2 (11:01):
Yeah, yeah.
So for me, I think the gracethat has been I mean reflecting
back, I can only think aboutthese things.
Reflecting back I think thegrace that I had was the zeal
and the um, the passion to read.
So I've always loved to read,so I would just bury myself in
(11:23):
my books.
So I would just bury myself inmy books.
That's all I did In the house.
Close to the house was themarket and you know how African
markets there's so much noiseand all the villages are coming
to this market every three days.
My auntie, in her wisdom, wantedme to sell, like just go out
(11:45):
there and sell things in themarketplace for someone else, so
that at the end of the daythey'll pay me commission.
But I didn't want to do thatbecause I wanted to read.
So every three days, you know,everyone would be out and doing
their thing and I would just liethere with all the noise.
I would still be able to read.
Now I think about it.
And I would just lie there withall the noise, I would still be
able to read.
(12:06):
Now I think about it.
I'm like, wow, it's remarkable.
I was really in into me now.
I couldn't hear anyone outthere, I could focus and just
learn with my books in the night.
It was the same thing.
There was no electricity, ithad to be a lantern.
You know when I tell my kids?
(12:27):
I've told them several timesand now they know the story yeah
, but you know they can't evenunderstand.
Speaker 1 (12:35):
Kind of grab the concept of that.
Speaker 2 (12:37):
No lights no electricity so it had to be a
lantern, lantern, and I justburied myself with studies.
And I think the friends that Ialso had two people that I could
call friends were in that kindof.
They weren't in that kind of,they were from the township, but
(12:59):
they were people that I couldassociate with Because, again,
bullying was another thing,because when you come from the
village those who are in thetownship look at you as a
village girl, so for that reasonyou are not respected and
regardless of what you knowdidn't count.
(13:21):
But the fortunate thing thatthese friends I had, they could
see what I had and then so wewere together and I would teach
them whatever I had to teachthem.
Speaker 1 (13:32):
So otherwise, most of the time I was just buried in
my books and then thanks forsharing that and I think that's
so powerful and even peoplelistening that you know, know, I
just love that because it'salmost like you were in a place
you didn't have control.
You know, you were there, youwere lonely, you had no control,
(13:54):
but the one thing you couldcontrol was reading, and so it's
almost like you took that on.
And it's interesting because Ialways talk about this that our
brain does, you know, likesbeing in control.
The problem is that most timeswhen we're not, when we don't
have the control, our brainfeels you don't have control.
(14:16):
That is when people get anxious, they get frustrated, they get
depressed, a lot of emotions.
But focusing on what you cancontrol, that's the power that's
so powerful.
It's almost like you know,taking that control back in what
you can, and you did that inthe studying and then also
forming good relationships.
(14:36):
Now let's kind of go a bitfurther.
So after middle school or highschool, you then why, you know,
I know you went on to studynursing and I think my question
is, why nursing specifically?
Speaker 2 (14:52):
Why, yeah so again, anything I did had to be in
alignment with affordability.
That was it.
So when I was growing up in thevillage, I was a nurse, always
a nurse, because I, you know howchildren take characters.
When you're growing up andyou're playing, this person will
(15:15):
say I'm a doctor.
I was always a nurse becauseone of my elder sisters, um, was
a nurse and she, anytime shecame to the village, she would
be able to go and see one ofthese sick people and then, you
know, they would get well.
So that used to fascinate meand so when we were playing, I I
(15:36):
would go and get a plug, seedsof trees, and then that would be
my medicine I'm giving topeople.
But when I went to secondaryschool I didn't want to be a
nurse anymore.
I had grown out of it.
But when I finished and theresults came, I could go to
(15:57):
sixth form, I could go touniversity.
I was sixth form and proceededto university, but of course it
was a case of you know, there'sno money for you to go to
anywhere else than to do nursing, because at that point they
were giving us bursaries.
The government had just decidedthat they needed to boost the
(16:18):
training of nurses, so they weregiving us bursaries.
So that was a good thing for me, because then I could earn
money not to worry about my ownbeing looked after or looking
after myself.
But that also gave me theopportunity to then look after
my siblings as well, because Ihad money to do that for them.
Speaker 1 (16:39):
Oh, wow, that's great .
So you studied nursing, andthen what?
How did what made you come tothe UK?
Um, how did that happen?
Because you know, because nowyou are still in this city, I
suppose.
Yeah, okay, so let's talk usthrough that journey.
Speaker 2 (16:55):
Of course, in terms of the uh after the nursing.
So nursing, doing nursing, wasone of the greatest um
fulfillment of my life because,um, before I even went into
nursing I was waiting for theadmission and it took long.
And um, nursing has been known,notoriously, for people have to
bribe before you can go into.
So some of you who are in theWest and from the West you don't
(17:18):
know what that is In Africait's what you know kind of
scenario, especially wherethere's money involved.
But the fortunate thing for mewas the principal at that school
was a seminarian.
He had been to seminary schoolbefore so he didn't do bribe,
otherwise perhaps I wouldn'thave gotten in.
I'm in another school before,so he didn't do bribe, otherwise
(17:42):
perhaps I wouldn't have gottenin.
But I was waiting for too longand I decided to branch into
teaching, to kind of apply andgo into teaching.
So I went into teaching teachertraining college for like three
months and as soon as theadmission for nursing came in I
did a transition.
I just felt at peace because,number one, the space wasn't
crowded.
(18:02):
Most of the people I wastraining with were matured women
already who had done what theyused to call enrolled nursing
and then they were just comingin to do their state registered.
So it just felt good for me andI mean a lot of them looked
after me as well, because I wasjust a small girl, small girl
(18:24):
with a lot of ambition, likesome of them actually saw that,
you know, I was very ambitious.
I was compassionate as well,because looking after my
siblings was something that someof them could not understand,
because how would a young girlbe looking after others instead
of spending her money?
But anyway, so I completed andthen I worked for a few years
(18:49):
and then the opportunity to goabroad came, because I think it
was during the Labour government, when Labour had just taken
over after a long reign ofconservative, like we're seeing
now, they opened the door forhealth staff to come, and that
was how I got the opportunity.
Even with that, people werestill asking me and I said you
(19:12):
know, I don't have the money, Idon't have the money.
You know how I mean?
Mean, you are the brain umexpert.
When you say I don't or can't,that's it, you shut yourself out
.
So until one day I got the umhint that one of my colleagues
had come and her husband was abank manager, so I knew that she
(19:35):
could get the money to come andthen, so that was when I was
able to contact her, and thenshe helped me with the process,
and then I landed here in thiscold weather Wow.
Speaker 1 (19:47):
I'm going to go back a bit and come forward, if
there's something you touched onthat I like, which is ambition.
You said that they saw theambition in you, beatrice.
Where do you believe thisambition came from?
Because, from what you'vedescribed, there wasn't that
much.
You know, you came from thevillage.
You didn't really see that much, even though your dad,
exclusively, was training hischildren.
(20:09):
Where do you believe that, orwhere do you feel that ambition
came from?
Speaker 2 (20:16):
I think both my mom and dad were very ambitious.
So my dad was very ambitious,he could see us past the village
.
I mean, I just wish there wassome type of recording of his
conversation that we couldreplay, because he would always.
I mean, I remember one time wewent to because when they
(20:36):
prepared him food like theAfrican tradition you have to go
and kneel down and he'll washhis hands and then he's wearing
a watch and then I say, oh, yourwatch will get wet and then it
will spoil it.
And he says, no, not this typeof watch.
When you grow up you'll be ableto wear this type of like.
I still remember that.
(20:56):
So he could see us, you know,beyond the village.
And for my mom my momunfortunately she didn't go to
school, but my mom is, so Ithink she's the most ambitious
person that I could ever see inthis world, because when she was
(21:17):
growing up you know, youngpeople you give each other names
and things like that sheactually called herself, named
herself, a broad queen, like thequeen, like the queen of, yeah,
the I don't know how tointernational queen exactly, and
even up to now that's how theystill call her.
(21:39):
Wow, and she did not have anyexposure whatsoever to anything.
So, and her like, going toschool, being able to pay school
fees, because she was trading,so any time during holidays I
have to go home, like the longthree months I have to go home
(21:59):
and actually farm so that youraise the money to go back and
pay school fees, and all that.
She was just sold out on makingsure that all of us had
education because she just knewthat was the way out for us.
Yeah, so I would say that it'smy parents.
Speaker 1 (22:16):
You know what, before you go on to the next question,
I'm gonna stop.
I'm gonna stop you therebecause I'm smiling so much,
because I'm listening to youtalking about your parents,
talking about your mom, wholiterally was a dreamer.
You know, she had ambition.
She was dreaming big and namedherself international queen.
(22:37):
And people don't realize thepower of dreaming, the power of
words, the power of what youactually can believe in.
And even though she didn't haveit as well okay, she was
building up her business.
But your parents really putthis ambition onto you children.
And the reason why I'm smiling alot is back to this your book.
(23:01):
Win the money game with yourchild.
You are literally doing thesame thing.
You've raised two businessbusiness, young ladies or you're
, you know youth and now you'vewritten a book doing the same
thing.
So the reason I was trying isthat it's just so powerful how
(23:21):
we raise children, what we sayto our children and what we do.
And I know this will come upmore in our conversation,
because you've literally takenwhat you've learned from them
and pushed it into your ownchildren, and now you're even
spreading it out into the worldto all children, because as
people read your book, they cando the same with their own
(23:44):
children.
That is just so incredible.
Speaker 2 (23:47):
That's amazing, actually, because I never really
think about it that way.
Honestly, I've never reallythought about it that way.
My mom was so ambitious I'venever really thought about it
that way.
My mum was so ambitious In hergrowing up years.
My grandma looked after herbecause in our clunk your
(24:10):
brother's child you could lookafter your brother's daughter.
Speaker 1 (24:13):
That's right, yes, and then.
Speaker 2 (24:15):
So when the child is given to you, the the parents
will say that this is your child.
You raise the child and whoevermarries the child, you decide.
So my, my, um, my grandma thenasked my mom at some point in
her life she had three sons, allgreat sons which of these men
(24:38):
would you want to marry when yougrew up?
And the youngest son waseducated, and my mom chose him.
Speaker 1 (24:45):
Oh, you see yeah.
Speaker 2 (24:49):
To live her choice, because eventually they
betrothed her to my dad, but shealready knew what she wanted.
As a young person she knew howgood life was, so to speak.
So, yes, um, thanks forhighlighting that, because I've
I've never really correlated atthe um the sequence of you know
(25:12):
how things are panning out yeah,that's incredible, incredible,
right, okay, so now you likearrive in the UK, young lady,
another big country.
Speaker 1 (25:24):
How did you navigate the transition?
Speaker 2 (25:28):
not very well, so unfortunately.
Um.
So when the opportunity cameand I started, I had, um, only
newly been married and wasexpecting a child, so but I had
to do the the visa process.
My husband is a nurse as well,so I did the visa process for
(25:49):
both of us until it got to apoint that we needed.
He needed to go for a visabecause I had a baby.
So he came first and then ayear later, my blessing, my
eldest daughter was then one anda half years old.
She was okay enough to staywith my mom before I came and
(26:10):
then brought her over.
So when I got here, it was Ileft Ghana 25 degrees and got to
UK six hours later, minus threedegrees.
I have to laugh, even mygreatest enemy, honestly.
Speaker 1 (26:33):
That's so funny.
Speaker 2 (26:37):
Yeah, so it wasn't easy.
But I think the other thing wasthe fact that I had to wait for
my what's the word?
Adaptation.
So we used to do three monthsadaptation and I had to wait for
that.
And in the process of waitingfor that I was, I had to work in
(27:01):
a nursing home.
Now I had just finishedmidwifery and I was looking
after mothers and babies.
It was a joyful I for nursing,like I really really loved to
nurse.
I just loved looking out forpeople, and so to move from
there to elder, like from birthto the end of life, was really
(27:26):
took its toll as well, becauseit I just felt that my services
wasn't valued, because what'sthe point?
But not until when I startedwith nursing in the NHS, things
picked up for me.
But I think the difference isalso the fact that with nursing
(27:51):
in Ghana we used to do five toseven hours maximum, and then I
got here and we had to do 12hours shift oh, wow yeah yeah,
it's a real culture shock, right?
Speaker 1 (28:08):
okay, so things happened.
You then have your children and, um, why did you then decide to
go into business?
Actually, I'm asking thisquestion, but I know why.
Because, from what you'vealready described being brought
up by a strong businesswoman I'mnot surprised.
(28:30):
But what was your mindset inactually getting into business
and what was the business why?
You know?
Talk us through that.
Speaker 2 (28:42):
So, in terms of this country, I never really kind of
settled in.
My aim was to make some moneygo home, but the problem was
that I needed my children to bein Ghana so that I could have
that freedom to work quickly andmake the money.
(29:02):
My mom, she grew up in thevillage, everything in the
village, so she didn't find iteasy to stay in the township so
that the children could go toschool.
So I had to, you know, bringblessing over and then obviously
looking after family, and allthat just took his toll.
(29:24):
But my main thing was that Iwanted to go and open a
pharmaceutical company.
You know people would say that,oh, because you're a nurse, you
go and open a clinic.
When I'm doing business, I'mthinking of the easiest way
possible to be able to servepeople and to make money.
Pharmacy is opening a big shopthat I would sell to people.
(29:49):
End of story.
I know how difficult it is tolook after patients and when it
comes to opening a clinic, itinvolves so much more than you
know.
It's not a simple businessmodel.
That's what I'm trying to sayin a nutshell.
So I did a degree in business.
So I a nutshell, um, so I did adegree in business, so I missed
all this.
I did a degree in business sothat I could go home and then
(30:12):
after that, then I realized thatthe young people I was looking
after back home they allfinished school and there was no
jobs for them and then I saidso, even if I go, they are going
to be my burden because, auntie, auntie, do this, auntie, do
that.
I will never be able to livethe life I want to live.
So why don't I work my way ofbringing them over and then
(30:36):
leaving them here and going backhome?
Speaker 1 (30:39):
Interesting.
Speaker 2 (30:45):
So that was the plan.
And then so, um, I finisheddegree, finished, um, the the
next thing you didn't I mean thebusiness degree.
But I then said, okay,international development.
You know, if you're from africa, you know that ngos they make
money.
So for me, like vanessa wouldsay she was telling my son
(31:08):
yesterday she says you know,anything mom does is the money
game.
You have to win the money gamebecause what, what, what else,
as long as you're serving peopleand making the money, that's
the most important thing.
So I did the internationaldevelopment program so that I
(31:31):
could go work for NGOnon-governmental organization.
But, of course, soon as Ifinished, somebody introduced
this idea of agency nursing tome.
She said you know what Agencynurses?
They're making a lot of money.
And true, true, we were makinga lot of money.
We were receiving like doublewhat we earned at that time.
(31:53):
And also there was a taxloophole that everybody
exploited and weren't paying alot of tax.
So we're making great money.
Until the government realizedit and closed that opportunity.
But what that then led to wasthat oh, wow, okay, this is, our
(32:15):
business is and you know, Ijust didn't feel like going back
to be making 15, 16 pound anhour, 12 hour shift, not
children.
So that is when I started thebusiness.
Speaker 1 (32:31):
Wow.
So what is the business youstarted?
Speaker 2 (32:35):
So I started social media marketing.
Speaker 1 (32:38):
Why social media marketing?
Speaker 2 (32:41):
Well, that's something that I myself don't
know why.
Well, that's something that Imyself don't know why.
So, from the beginning, whenall this saga happened, with
government changing theregulations, I decided to resign
from agency and I wasn'tthinking of what to do.
(33:03):
What year was this?
2017.
Okay, around this time, I sawthis lady, caroline Marsh, on
the TV program SecretMillionaire.
Now, up until that point, I hadnever seen a black woman on
that program.
I was watching it, but I neversaw a black man, never mind a
(33:26):
woman.
So I was watching it, but Inever saw a black man, never
mind the woman.
So I was so excited.
I'm somebody who likes tocelebrate people.
When you're winning, I'm yourcheerleader, so I'm jumping in
my room and then everybody's asit was this.
I said come and see this woman.
Come and see this woman andfollowing her on, going online
and finding her, reading abouther story.
(33:47):
She just inspired me so much.
So I started going to businessconferences with the aim of
doing property.
But when I got to businessesthe conferences, again, the
easiest way out was social mediamarketing, because they said ah
, you can do this business inyour bed.
I said find me on.
(34:08):
But I think seriously what mymotivation was.
This guy was talking about yourchildren can do this.
You can get your children to dothis.
Okay, yeah, and I said, yes, Ican get my girls to do it, oh
wow yeah.
And that's how I signed up.
Speaker 1 (34:29):
Yeah, Wow, that's amazing.
That's amazing.
So you then started thebusiness because I met you
probably around 2018.
Yes, I think, yes, 2018.
Speaker 2 (34:42):
Yeah, 2017 was just about preparation, because I was
just reading books, I was goingto seminars, I was doing things
like that.
Yeah actually started.
What starting point was 2018.
Speaker 1 (34:55):
So, beatrice, you then started the business and,
um, what then led you?
And, okay, talk us through whatyou've done with your girls,
because I think that'sincredible, so that inspired you
to start, because you couldactually, you know, get your
children in and, to be fair, alot of people will hear that and
(35:16):
it will excite them, but theydon't actually do it, because to
really bring kids into, tobuild them up to, into business
is not that straightforward oreasy actually with this
generation.
So how did you manage to do it?
And do it very well, becauseI've heard your girls speak,
I've heard their story and Ithink it's just so powerful.
(35:38):
So how did you do it?
Speaker 2 (35:40):
Thank you so much.
Yeah, so when I sign up andthen I came home, I I'm somebody
.
When I'm excited, I'm excited,when I'm not excited, everybody
knows.
So, with that excitement, all Iwanted to do was to get them to
, to buy into into the the ideaof social media marketing.
(36:04):
I think at that time Instagramwas not very old, you know,
compared to Facebook, and theywere starting to get involved.
And initially I said no becauseI wasn't online, but hearing
what my then mentor talked about, you know, getting the children
involved, I kind of bought intothe idea.
(36:26):
And then so I started with ablog.
He said write a blog, open asocial media account, but,
importantly, write a blog.
So during the blog writing theblog, I needed pictures, and
then Vanessa would get me thepictures of food.
I started with health, and thenso she because she, she's
(36:47):
artistic she just decided thatyou know what, I'm gonna open an
Instagram account and then beposting these pictures.
And then she did, and lessonstarted with the beauty account,
because I was having challengeswith her even when she started
to put on makeup at 14.
I said no, so so at that pointshe then also started, and then
(37:10):
they grew so fast on Instagrambecause they knew these things
and I didn't.
I had to learn from scratch.
So they built up their Beauty.
With Blessings account, whichis the beauty account on
Instagram, went over 20,000.
Like, it didn't take long atall.
And then Vanessa did hers up to4,000.
(37:34):
And then they were the onesthat found out how to monetize
this.
So I'm still trying learning howto speak, learning how to do
webinars and then they were justreally flying um with it
because it it didn't have to bethat knee compelling them to do
it, it was something that theyloved.
(37:55):
And then they just picked it upbecause when vanessa went with
shake shark, which is amulti-billion dollar company, I
didn't even know that that's howbig that company is, but
because they saw her profile onon Instagram, they wanted her to
promote their food.
So and and if she would tellyou in her story, it didn't just
(38:16):
come to her, she had to workfor it.
So, in terms of bringing ourchildren up into this kind of
lifestyle, it has to besomething that they enjoy doing
and it doesn't have to feel likework, because if it feels like
work to them, they are not goingto do it.
It will be like you are tryingto fit them into a box.
(38:38):
When myself and you met on thespeaking program, that was my
skills now helping them to putthis into, articulate, this
story, so that they could helpother young people hear their
story, because they were doing,you know really well just before
(38:59):
the pandemic.
So that that's how our journeyhas evolved into now doing
coaching and all that we havedone.
Speaker 1 (39:08):
That's amazing.
That is amazing.
A family of entrepreneurs.
I just love it.
And you said something reallyvital there.
It has to be something thatthey enjoy doing, and you didn't
really need to compel them, butyou gave them the platform.
It's almost like you gave themthe environment, the platform,
the support to do it, and,because it's such a different
(39:31):
generation as well, they pick upthings so easily.
It's something that is therefree for.
It's just amazing.
Speaker 2 (40:03):
No, well done, well done.
It's incredible.
Now let's come to your book.
The book is called Win theMoney Game with your Child how
to Achieve Financial Freedom foryour Family.
In conferences and in women'sorganizations and in churches,
just getting people to beinspired about the fact that you
could actually use the onlinespace to create an income.
(40:26):
And then so, when the pandemichappened, they were sat at home
doing nothing.
We couldn't go to churches, andso we decided I mean, they were
doing a few online forums, butI asked, I told them, why don't
you put this in the course?
And then that's what they did.
(40:47):
So they were able to do therecording of the models, editing
, uploading into funnels.
You know all that.
You know everything that youtalk about digital.
They were able to do it and andfor me, that just was
inspirational to see that, fromthe point of knowing about
(41:09):
instagram to this point of beingable to become course creators,
um was just, was justincredible.
So, indeed, they did that.
And then, um, parents just wereasking okay, how can I work
with my child?
How can I work with my child?
And that's when we launched aSimply Family Business program.
(41:29):
Again, as you were saying, thetraining that we did within the
speaking speaking with Andy washaving a model that you can
actually get people through, andso we got that model as, simply
, that is just helping people tosearch for their niche, helping
them to identify their platformthat they would actually use to
(41:54):
promote their business, helpingthem to master the business
process, ie how to set businessplans and goals and then helping
them to position themselves asthe go-to person in the industry
and then helping them leveragethe power of the website
worldwide so not just socialmedia but other digital media
(42:18):
website Google to be able topromote themselves and then help
them yield profit, which isbeing able to onboard customers
and process and help themachieve results.
So that's the simple model.
We launched the coaching andthen so, of course, coaching
(42:39):
means that people who areinterested in actually getting
coached.
But then, as time went on, Idecided that you know what?
Why don't I put this in a book?
Because, again, that was frommy initial training.
That was one of the things thatthey talked about.
If you have something, it's noteverybody who would be able to
get to do business with you atthe top end, but people can
(43:04):
start from a book and then theylearn to buy this concept,
because I know that the onlineis a haven for us.
If we embrace it, most of usparents will go to work for
hours like I mentioned 12 hours,14 hours.
We're working and leaving thechildren at home.
(43:25):
Meanwhile they have the ideas,they know what to do to be able
to make money.
If we could support them.
So that is the reason for thebook.
That's amazing.
Speaker 1 (43:36):
So, of course, I've looked at the book and it's just
full of so much resources, somuch information to really help
people build.
So, from your perspective, youknow just kind of bringing it
all together.
What's the main message in thebook?
Because I looked at it, you'vegot everything.
I've not finished reading it,but I will.
(43:58):
It's got selling, it's got youknow, and even the psychology of
selling, which I find quiteinteresting as well.
You really went into that whichis so powerful.
So for you, in terms of writingthe book, what's the core
message in the book?
And also, what lessons have youlearned over time in terms of
(44:18):
really helping children developa business that you want to
share with other parents as well?
Speaker 2 (44:25):
Lovely.
Thank you so much.
So the core message about thebook is financial freedom.
We just need to be financiallyfree as parents and then the joy
of parenting will be incrediblyamazing.
But in order for us to becomefinancially free, we have to go
to work to be able to bring inmoney.
(44:47):
Unfortunately, we don't knowmuch about money.
Most of us don't.
I think it's over 90% or 95% ofpeople don't know why they go
to work in the first place.
Because they go just to makemoney, to come and settle bills.
But that's not the key reasonwhy we go to work.
Settled bills, but that's notthe key reason why we go to work
(45:09):
.
We should go to work to be ableto make the money, to follow the
principles of built-in wealth,so that life becomes enjoyable.
Because we don't know theprinciples of money and how to
manage money, we are in themotion of going to work, so we
just go to work make the money,spend the money.
Go to work, make the money,spend the money.
Then the children are there whocan make the money.
(45:30):
So why don't we learn theskills that can help us?
Number one then we have a dualpurpose of imagine working with
your child who loves what theydo.
It's amazing because you seethe smile in their face when
they make money.
So, in a nutshell, financialfreedom.
(45:52):
How do we get there?
How do we get our childreninvolved to make it faster,
quicker for us, so that we canlive life the way we desire for
ourselves?
That is the message of the book.
Speaker 1 (46:06):
Well, thanks so much.
So what is the differencebetween financial freedom, or
creating that financial freedom,and creating wealth?
What's the difference betweenboth?
Speaker 2 (46:20):
So financial freedom means that you don't have to go
to work if you don't want to.
Whatever you have invested inin life, be it housing, be it
stocks, whatever it is that youhave invested in can actually
generate money every month thatwill cover your expenses.
(46:42):
So you don't need to go to work.
It doesn't mean that you won'twork, because the point of
working is also to inspire youalso to build more.
Now in terms of wealth, youneed to ensure that not only are
you getting the money just tosurvive or to meet your needs,
(47:03):
but there's enough money thatcan cover your lifetime and
cover several generations tocome.
So wealth building is beyondjust financial freedom, but we
have to start from, first of all, getting to become financially
independent.
Speaker 1 (47:22):
So what challenges have you found, though, in
creating or even teaching yourchildren about financial freedom
and creating work?
What challenges have you foundalong the way to help other
parents?
Yes, Okay.
Speaker 2 (47:41):
So in terms of bringing up my children, what
some of us unfortunately thinkis that it's going to be easy.
Nothing good comes easy.
There was no networking event.
I didn't send them.
We were forever in London goingto network event after network
(48:05):
event.
Now I remember one of theevents we went.
This was one lady called maybeit's a monk or she's a
businesswoman a Ghanaianbusinesswoman in London.
I remember at the time thatthey say introduce yourself.
I saw my daughter going intothe bathroom and I went after
(48:28):
her because she was trying tododge that.
Yes, and I went after her andat that time I've already just
been speaking to a lady who saidshe was a foodie.
So foodie means that theirpassion is about food and
they're posting things onInstagram.
So I just went and said ohVanessa, where are you going?
She says I'm going to use thebathroom.
I said can you speak to thislady because she's a foody?
(48:50):
And up to this day, she andthat lady are still in contact.
So as a parent, you need to comeout, otherwise your child.
You can't just sit and ask themto do xyz.
It won't work because they alsohave their insecurities.
(49:10):
If we parents are havinginsecurities, they also have
insecurities, so we have toguide them.
So they have the ideas, butthey are waiting for us to now
guide them to that place wherethey can stand in their own
power.
Now Vanessa has been invitedhere and there She'll be going
(49:32):
to Manchester to do a speech.
Some of these things I'm noteven.
I mean they send me emails, butnow that she's 18, she does it
herself anyway.
But they used to send me emailsto say, oh, can Vanessa speak
at this?
Can Vanessa do this?
Can Vanessa do that?
And I would be the first personto.
Even sometimes, if they so, forexample, they would send an
(49:57):
email and set the deadline andjust for any reason, if I
haven't seen the deadline andthen it passes, I would
personally go on the phone andspeak to the person because I
just want her to have thatexposure.
So for parents, we need to besold out on this that they
(50:17):
cannot do it without us.
We cannot sit down and sendthem.
It's not an errand where yousay, go and bring me the remote
control.
You have to be there walkingwith them side by side, going to
children's event, going toadults event, introducing them
to people.
I mean when vanessa startedwith her her website design.
(50:37):
I was busy introducing her inthe church.
I said, oh, vanessa has donethe website and and she'll be
like, oh, mom.
And then so people startedpatronizing her web design.
Blessing is currently workingwith Donia.
I introduced her to Donia, Iintroduced her and then Donia
introduced her to her sister,who employed her to work with.
(51:01):
You know the likes of theOlympic Games when they were
doing it the last time sheactually did social media on the
Olympic Games.
Like you have to be out thereas a parent to get them to that
level.
So yeah, in terms of challenges, they will be there, but we
(51:21):
have to be having thatdiscipline to see them through.
Speaker 1 (51:27):
I love that.
I love that.
I love the fact that when shewas trying to escape, you called
her back, but what you did isbrought her back to speak to
someone, that they had somethingin common and that then kind of
calmed the nerves or theanxiety, and that was very smart
as well.
And something else youmentioned is giving them the
(51:50):
exposure.
Will it be scary?
Yes, it was, and that was whyshe was trying to run away.
And that's that flight, flightor freeze mechanism.
Hers was the flight response,trying to run, but what you did
was brought her back tosomething that will calm her.
That is the foodie.
I love that.
That's so powerful and theseare skills we can implement in
(52:12):
different aspects of our livesto support our children, to be
able to be resilient, becausechallenges come, yes, but how do
they navigate it when they come?
So I think one final question,because we're getting close to
it, and one other question Iwant to ask is now that you've
really brought up your children,trained them to build
(52:35):
financially independent or to befinancially independent, how
have they used this to theirbenefits now, in terms of the
education, in terms of life?
How have they used it?
Speaker 2 (52:48):
Wow, that's a very powerful question and actually
that's the excitement of thisall, because at the end of the
day, I keep saying I startedmaking money when I was young
and I haven't, you know, Ididn't become financially
independent quick enough becauseI didn't know the principles,
(53:11):
but my aim is to ensure that Iinstill those into my children.
So Vanessa recently got base ofthis.
Okay, she.
One of the things that I alwayswanted to do, or always want to
do, is to help the children todo the things that they love to
do.
So vanessa was artistic.
(53:32):
When she was going to sixth form, we had to look for a school
that was over a one hour awayfrom our home so that she could
get into the art school.
Uh, it turned out that not onlywas she didn't do art, but it
also was a computer scienceoriented.
But because she loved art andshe couldn't do the arts without
(53:54):
the computer, according to theprogram, guess what?
She accepted to do computerscience, double computer science
, for somebody who had neverdone computer.
She didn't do computer sciencein secondary school.
So that's how the love ofsomething can actually pull you
into doing something reallyuseful.
(54:16):
So, based off that, when shefinished one of the things that
the school is good at is helpingthem get apprenticeship.
So you can imagine she wastraveling over an hour to school
.
But what has she got from there?
She was able because of thecomputer science that she did.
(54:37):
Now she doesn't even talk of us.
Surprisingly, she was able toget apprenticeship to work with
Just Eat as a tech support.
Oh wow, she's earning anundergraduate salary, yeah, at
age 18.
(54:57):
I mean, I look at it and I'mlike am I even dreaming?
Speaker 1 (55:03):
That is incredible.
Speaker 2 (55:06):
Yeah, blessing is at school, but she's working online
.
She's still working with Donnyall these years.
When she was doing her gap year, there was this government
program that Donny had.
She was earning good money inpandemic.
She was earning money sittingat home.
Was earning good money inpandemic.
(55:28):
She was earning money sittingat home.
Sometimes she could go out.
You are out and she's holdingher phone for the work that she
did.
Every now and then she wouldglance and answer whatever
question that they wanted toanswer and then so the ease of
things that they can do to earnmoney is actually beneficial
because she's reading marketingas well, but she's able to work
remotely.
(55:50):
Like I said, I didn't likeengland, so they can go and live
anywhere in the warm countryand still earn good money.
My last but not the least, myson.
He started with t account usingsports cars, so with that I
mean I am sold out.
(56:10):
Whatever they are going to doif it's not detrimental to their
growth.
I'm a cheerleader, so he's beenposting.
Now his account is over 5,000followers on TikTok and he's got
over a million views on hisvideos.
I mean come with time he isgoing to be able to monetize
(56:34):
that account yeah that's fordoing the things that he enjoys.
He doesn't have to stress forthe money and for me that.
I think that's the message yeah, that's really powerful.
Speaker 1 (56:46):
That's really powerful because what you're
giving them is um skills, thatit also enables them to be very
adaptable, um, and to be able toreally make a way even when
problems or challenges,obstacles, are there, and that's
really um so valuable.
So, honestly, well done,beatrice.
(57:08):
This is really this has been afantastic conversation.
So where can people find you interms of your business?
But, most importantly now,where can they find this book?
Win the Money Game with yourChild, and I love that.
The money game with your child.
We really didn't have time togo much deeper into quite a bit
(57:31):
of the things, but the book isso detailed.
It really has so much you know.
Get in the money game, moneymindset, which is so powerful,
and then the research roadmap ofhow to start a business,
digital Platform Planner,business Process Accelerator,
brand Design Masterpiece.
(57:52):
This book is just phenomenal.
It's a great, great book.
So, understanding what money is.
I love that.
So where can people buy thisbook?
Everyone needs a copy.
Where can they get it?
Speaker 2 (58:08):
thank you so much.
Yes, so, uh, the book is onamazon, um, if you type in
beatrice yacobo, win the moneygame, uh, it's all.
It's live on amazon.
Uh, it's also on my socialmedia channels.
So I am beatrice yacobo, all ofthe channels um, on instagram,
on linkedin, on youtube.
(58:30):
Yeah, um, it's all over theplace.
So, or just contact me, info atbeatriceyacobocom, and indeed,
we, I will get this.
I will send you some copiesawesome, awesome.
Speaker 1 (58:44):
I'm going to put all Beatrice's information in the
description for this podcast sothat you can contact her, and
there will be a link to whereyou can buy the book on Amazon
or wherever else you get booksfrom.
But this book is just anamazing book.
There's just so much detail anddepth into it.
(59:04):
And also, if you are thinkingnow, how do I help my children
build up their own financialindependence, how do I enable
them to become independent?
Beatrice, the information willbe at the bottom.
Do reach out to her.
She's done it, as you can see,so she will be so much help to
(59:26):
you.
Beatrice, thank you so much forcoming on to this podcast.
I want you to just finally giveus one last final wisdom to
leave us with at the end of thispodcast.
Speaker 2 (59:42):
Lovely.
Thank you so much for having me.
I really, really appreciate you.
I just want us to know in myopinion, parenting can be
amazing if we didn't have tostrive for money, if we didn't
have to run to work, run to this, run to that, not having time
(01:00:05):
to look after the children, nothaving time to take them to
school, not having time to bethere when they come back from
school.
Like you are going out whenthey are sleeping, you come back
when they are in bed.
Seriously, we need to thinkdifferently and Win.
The Money Game will give youthe answers to some of the
(01:00:28):
questions, some of the thingsthat you felt.
You didn't know how.
All the information is in therefor you to take charge, because
, at the end of the day,children are a gift and I think
that we should be rejoicingwhile raising them.
Speaker 1 (01:00:45):
Thank you so much, beatrice.
What a great way to end it.
Great advice to parents,actually.
That's lovely.
Thank you once again, and Ilook forward to hearing all the
great things that you're doingwith your children and the
business.
Thank you again, beatrice, forcoming on to this podcast.
(01:01:07):
Thank you for joining us ontoday's episode of Lead to Excel
podcast.
I hope our discussion hasinspired you.
Remember achieving excellenceis a marathon and every step
counts towards your goals.
If today's conversation sparkedany thoughts or questions, feel
(01:01:28):
free to share them with me onLinkedIn, facebook and Twitter,
and consider leaving a review onyour favorite podcast platform.
You can also find this podcaston YouTube.
Your feedback helps us grow andreach more listeners.
Don't forget to subscribe tonever miss an episode filled
(01:01:48):
with expert insights andinspiration.
Until next time, this isMaureen Chiana, reminding you to
stay curious, stay driven andtogether let's remain limitless
and change the world.
Bye for now.
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