January 4, 2025 • 26 mins
This episode explores the power of self-trust during life’s uncertain moments. Sharing my personal story of being laid off and the subsequent challenges, I highlight the lessons learned about resilience, financial management, and entrepreneurship.
• Emphasis on the importance of trusting oneself
• Personal account of the layoff experience
• Coping strategies for unemployment and financial strain
• Emotional impact of financial challenges on family
• Lessons learned during a year of minimal income
• Transitioning from employment to entrepreneurship
• Establishing Notable Wealth Management and career growth
• Encouragement to trust the journey and internal guidance
Correction
P.S. in the podcast I said in the year 2026 I meant 2025.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Welcome to Money Is For you podcast brought to you
in collaboration with NotableWealth Management Inc.
I am Jacqueline Correa, yourhost for this journey.
So I actually woke up thismorning thinking to myself that
I would come into the studio andtalk about finance and about
(00:20):
products and whatnot.
And my hire guide says whydon't you start the podcast with
when you got laid off?
And I just shook my head andsaid, okay, you got a plan.
So today we are going to talkabout the key is to trust
yourself.
We have to and that is also myword for 2025, is trust.
(00:47):
So for the fact that these twoare lining up, it's just.
I know there's somebody outthere that needs this message.
So my journey, it was 2020,sorry, the year of 2011.
I remember it was January 2nd.
I just started the new year andas I walked in the hall of the
(01:09):
corporation I worked at at thetime, I remember my hire guy
said put your house in order.
This is your last year.
And I just went to my desk andthe year started and by April I
had done my resume, I hadrefinanced my mortgage because
(01:32):
my mortgage was coming up forrenewal, so I thought I'd call
it in early and I did all ofthat and by June 14th I was laid
laid off.
So again, the key here is trustin yourself.
I listened to my higher self,told me what to do and I did it.
(01:54):
So I was packing off and I wenthome, wasn't shocked, was
prepared for it.
So I was not disappointedbecause I knew I needed more
than what the company could giveme.
What I did not expect is that Iwould be unemployed for two
(02:15):
years.
So here I was, had a mortgage,single mom and my kid was in
university, which I now had toput things in order so that we
can survive this.
They'd give me a package and Ihad good.
(02:35):
Thank God, I had, over theyears, had it built up in
emergency fund through a matchcontribution that I had with the
corporation, so they had dumpedall this money back at me that
I had to now manage.
And I remember the summer cameand you know everything was good
(02:55):
and now we were going into falland I remember sitting on the
porch of my home and I remembersaying two things my home.
And I remember saying twothings my God, whatever you're
doing to me, do not let me losemy home, but find me a job that
I can work from home.
Today I'm actually working fromhome.
(03:18):
I have my own company and I'mworking from home.
So we have to be careful withwords that we use and realize
that every word we speak is aprayer.
So we must understand that wemust listen to our inner guides
when it's speaking to us, and wehave to trust our inner self,
(03:39):
trust ourselves, to know thateverything will work out and it
will work out for our highergood.
So, but it was not an easyjourney.
Being off work for two years wasnot part of my plans.
In this process, we weren'tqualified my son wasn't
(04:01):
qualified for student loans, soI now had to.
In all the confusion, I had tomake payment plans to the
university to make monthlydeposits so that my son will
stay in school.
And some of the things that wedon't recognize is that kids see
what we're going through andthey end up worrying more than
(04:24):
we do, even though I said to myson at the time I will take care
of this, the only thing thatyou need to do is make sure that
you have give me a certificate.
But in the process he ended upgetting an ulcer, so we also had
to deal with all that because,as much as I'm saying you know I
(04:47):
will take care of this.
He was seeing the stress that Iwas going through because, as
much as I'm trying to hide it, Iwas still going through my
stress.
I mean, one of the things thatI had learned to do is going to
my, my room, my spare room, andmeditate and just trust in
(05:08):
myself that the next move willcome.
And when I got quiet and I gotpeaceful, I would always get the
information as to what to donext.
So you know, for the two yearsthat I was unemployed, I pretty
much used up all of my savingsbecause I had built up an
emergency fund.
So they had paid me, I think,10 months of employment that you
(05:34):
know because I had worked forthat company for 11 years.
And even that I had to go to alawyer because, again, it was an
American company and theywanted to be cheap.
They even said to me that youknow, your government said you
was entitled to 20 weeks ofunemployment, which is, as an
American company, I guess thatwas not entitled.
(05:55):
So I said no, you choose towork, you choose to do business
in Canada, and so that those arethe agreements for you doing
business in Canada, so what Iwas entitled to give it to me.
So I had to take it to a lawyerbecause I did not agree at the
time with what was given to me,and eventually they worked the
(06:17):
thing out.
One of the things also is thatthe lawyer's fees that I had to
pay it was a write-off, a taxwrite-off, which I learned that
from there, where my lawyer saidto the corporation listen, this
is a tax write-off for you guys, so you can observe her legal
fees.
And so they also did that.
(06:40):
You know every experience thatwe go through, I think when
we're going through theexperience, we ask ourselves,
why is this happening to me?
But you know, we learn a lot ofthe times.
There's always a lesson in inwhat we're going through, and I
think sometimes, if we stop andstep back, there's a, there's a
scripture that I that I, um, Ilove is called be still and know
(07:03):
that I'm God, that I, um, Ilove is called be still and know
that I'm God.
And it is such a powerfulmessage because it teaches you
to sometimes stop running, stopjust on the go and just step
back and allow things to process.
Take a walk, you know wherethere's trees, or you know, go
to the lake and just listen tothe prompting of the spirit,
(07:25):
because that's when he's able tospeak through you and tell you
what it is that you need to do.
I call them knowledge and Icall it wisdom.
So you know, those are thingsthat I would say to you when I,
when I talk of it, you know thekey is trust in yourself.
You know, we live in a societywhere so much we look outside
(07:45):
ourselves for the answer.
But all the answers that weneed as the direction that we
need to go comes from internal.
It's trust in ourself,internally, so that everything
starts within and it comesoutward.
But you have to start fromwithin.
So the key is trust.
So as I I look at my life today, I mean when I was going
(08:09):
through it, I could not believethat I could be here today, and
I even wish that I trust myselfmore back then because I think I
would be better off.
But I know everything is ajourney and there's a journey.
There's a journey why I had togo through the things that I had
to go through, so that I'm abetter teacher and I'm able to
(08:31):
explain these things better tomy clients.
So you know, in all the journeyI mean I was able to go through
, I was able.
You know, I say to people thateven though I was unemployed for
two years, the only thing thatI had had happen was just a
crack in the foundation of myhome, meaning I didn't lose my
(08:53):
home, I was able to pay for myson to go to university and
complete it.
I mean, I had a lot of debtswhen I was done, but the fact
that I was still grateful that Ihad the foundation built before
so that when it did happen Icould go back and draw on that
money to live on during the timeI was going through my rough
(09:14):
time.
So in that process I wasinvited to go into this business
called being an advisor.
It's not something I waslooking forward to and not
something that I thought I wouldgo into or even thought I was
qualified for and, believe it ornot, I went to a company that
(09:37):
it starts with a P and I'm notgoing to bring their name into
it.
I didn't make any money workingfor that company, but one of
the things I was there for oneyear but one of the things I'll
say to you.
I learned so much.
So, again, sometimes we are putinto positions or places and
(09:57):
it's not so much about the money, but there's always a lesson or
there's something to be taughtbeing in there.
So in the two years of beinglaid off again, I was trying to
figure out where I need to be.
Where do I want to go?
You know, I know I did not wanta job where I had to, where I
(10:17):
had to be, and somebody tellingme when I could go on vacation,
when I can go to the bathroom.
I just know I did not want thatAt that time.
I did not knew that, I didn'tknow that I was.
I was a born entrepreneur and Ilike to be self-employed and
work on myself.
These were the times I got toknow who I truly was.
(10:39):
So I was invited to um to belicensed at this company, um, on
which I did Um, and I sat therefor an entire year and, as I
said, I did not make any money,but I learned so much from the
company.
So was it the right choice thatI was invited there?
(11:01):
Yes, because it taught me, as Icall it.
It was me going to school for ayear.
It taught me so much and thefunny thing was I had built up a
clients list by you know, inthe time I was going there I was
seeing clients.
I was, you know, trying to dobusiness but nobody wanted to do
(11:22):
business because I was with thecompany that I was at at the
time.
Nobody was telling me that'sthe reason, but I could figure
that was the reason.
So the year that I sat therejust literally going to because
I was, they were teaching me howto do the business.
They were teaching me how to bedisciplined, they were teaching
(11:43):
me the right things to say,they were teaching me how to
learn the products, and so allof those things I was learning,
things I was learning.
So I I took that opportunity,that of that year as being a
teacher, meaning I was learninghow to, I was just learning the
(12:03):
business.
You know, I was learning to bebetter as who I can be.
If this was what I was gonnastay in after the year was up, I
had to make a decision becauseafter this is within the two
year period that I was laid offbecause I had now run out of my.
I was now run out of all thesavings that I had.
I literally was.
(12:24):
I ran out of everything and allI had left was like 34,000 that
was in a locked, locked-in whatwe call a lira.
It was a locked-in pension theremainder of what the company I
was working for had transferredout to me.
And I remember telling myself Iwas going to take from this
(12:46):
locked-in lira $10,000.
And when this money run out, Ieither have to be in a job
because I told myself, when thismoney run out, I must be at a
job or I would be somewhere thatwas paying me an income.
And that was January of 2013.
(13:07):
And in all of that I was, likeyou know, still stressed out.
I was, like you know, stillstressed out.
I was, you know, and I had nowput my resume back on the market
to find something.
And again here I'm thinking I'mgoing to go find a job.
I mean, I'm at the desperatepoint now.
This is the point that younever actually jump to do
(13:31):
something that, but desperationsometimes cause you to do stuff.
So now I'm actually going backto do something that I didn't
want to, because I remember, inthe beginning of of um 2011, I
said I really don't want to goback to a job.
I didn't want to go back to adesk job and I didn't want to.
I wanted to find something thatI can work from home.
(13:52):
And I was called.
I was invited again, um, to aninterview with another insurance
company, um and I, I went andagain at that point in time, the
way they explained thecommission, the compensation, I
(14:16):
said to myself, okay, if I cando four policies a month, I can
meet my needs.
Right, I can take care of myfinances.
It was not the career that Ithought I was going to end up in
.
I just thought at that point itwas more of a desperation going
to end up in.
I just thought at that point itwas more of a desperation.
And I remember coming I said,okay, I'm going to take this
(14:37):
because I need to take something.
And I remember my higher selfonce again said to me but this
was not the plans that youwanted.
And it was just like thatperson was on my shoulder and I
remember turning my head saying,listen, I will do everything
you want to do, but right now Ineed the money.
So again, I was putting themoney in front of my higher self
(15:00):
and I started the career.
And I mean again, um, you knowone thing I've learned in life
if God puts you in a place, hewill bless you.
But when God say, or yourhigher self or your divine self
says this is not the avenue thatyou need to go in, and you go
(15:22):
in it, you will get stricklingsstricklings of anything, but
you're not going to get the fullblessing because you're not in
the place that that he wants youto be right, you're not where
you want you supposed to be.
So I started a career, um, asas a career advisor.
At the time, I brought all myclients in and during the
(15:47):
process they actually sold me.
At the time I didn't realize Iwas doing this.
Now remember, at this point intime I started a career.
I had a crack in the ceiling inmy house, I had still good
credit, everything was stillgood.
It's just that now I run out ofmoney.
But I started this career,which is supposed to make my
(16:09):
life better and, believe it ornot, a year later my credit was
in the pits, and it's just.
This is what I'm talking aboutwhen you're not where you're
supposed to be, the blessingcannot flow the way it's
supposed to flow.
But again, it's a journey, andI'm saying this because there's
(16:29):
always a lesson to be learned inthe journey.
So I started a career and nobodyknew I went to work in a branch
that it was all run by men itwas myself and one other lady
was the only female in there andthey did not know the struggles
(16:50):
that I was going through.
They just saw somebody come inand this person had a drive that
had to make the money.
They didn't know that I had tobe sending $1,700 to the
university every month to keepmy son in university, plus
maintain my mortgage and all theother bills.
They just looked at me andthought what the hell?
This woman coming to disturbthe groove?
(17:12):
They were just.
These guys have been here for20 years, five years, 10 years.
How dare you come in to this,dismantle the groove?
And so I had to get paid.
So I was working seven days aweek, you know.
I mean, back in those days wedidn't have nothing to do online
.
Everything had to be in person.
(17:32):
So Sunday afternoon I cooked ameal for my kid and I was
driving across the highway toclose a deal so that I would get
paid, you know, and that's howI was pretty much going, but it
was like every time I gotsomething, like I got a little
bit and then something elsehappened.
So I felt like here I was, therain was falling, I was working,
(17:54):
I was working really hard, butI could never seem to just start
climbing up there.
Every time I climb up that hill, boom, it's like a mudslide and
I was flying right back down,and so it was like I was paying,
taking from Peter to pay Paul,and I was just know.
And there was a time there thatyou know again the kid was
(18:15):
still in university I'm doingwhat I had to do Sometimes.
I didn't ever get paid in time.
I would now have to, you know,maybe like borrow from a friend
just to make sure that mymortgage got paid, and then a
couple of days later I got paidand I would pay them back.
But I was just, I was doing thejuggle thing.
I was just doing the jugglething.
But I learned in this journey.
(18:36):
I really learned how to managemy finance.
Like I mean, I had been infinance for 25 years but I was
in the leasing sector of it andI was paying my bills, I was
doing all the things.
But this was a time where Ireally had to focus of how I was
living, how I was spending thethings I had in my life that I
(18:58):
needed or I didn't need it.
So I truly learned how to liveon a budget.
I truly learned how to you know.
I mean, I I always believe inum, you make an income, you
don't spend it.
All right.
I had the discipline of youknow, if I made $100, I try to
put away $10 or $20 of it.
(19:20):
So I always had that disciplineand that's what saved me,
because at the end of it all, Ihad an emergency fund, fund with
their payout that they paid meout, allowed me for two years,
so that in itself was a blessingand I had grew in my own
personal walk tremendously inthat that two year, like I
(19:44):
learned to know who I was as aperson.
So, again, the journey isalways a great thing.
There's a lesson in everythingthat we go through.
So now, here I am.
Here I am and you know, as Isaid, I'm working for a
corporation.
And again they told me you'reself-employed, um, you're
(20:06):
building a business and all thethings.
This is a lie, because you'renot building a business when
nothing is yours.
Here I am, I brought in.
You know, I probably broughtlike 250 clients of my own over
that time period that I was withthis company.
Now, you know, and when I waslate, like when I left them, I
had to leave all my clients.
(20:27):
So, again, they're sharingsomething, with you saying
you're building a business, butthe business is not yours, the
business is them.
You're just literally workingfor them and they're taking
something, with you sayingyou're building a business, but
the business is not yours, thebusiness is them.
You're just literally workingfor them and they're taking your
business.
So one day I was in in theoffice, as again I said I was
working five days a week, I wasworking seven days a week and I,
I, my, I felt my heart.
(20:49):
I thought I was going to have aheart attack.
I was just basically thoughtlike I can't do this, I can't I.
What am I?
Thought I was going to have aheart attack.
I was just basically thoughtlike I can't do this, I can't.
What am I like?
I look around the office andevery other advisor either had a
heart attack or had a pacer andI thought, whoa, wait a minute
here.
Everybody here has gone throughsomething with this corporation
(21:14):
that have caused them to have,like, a heart attack, right, and
or had something happened tothem that it's an illness now
and I'm like this is not the wayI want to live my life.
This is truly not the way Iwant to live my life.
So in that process, one of theadvisors he was about to retire
and he came to me and he saidyou can't make it in this
(21:36):
company with just one contract.
You need multiple streams ofincome.
And I'm telling you, in all ofthis I've been praying for
something better to come along.
And he drove me to thebrokerage firm.
And that's how I became abroker, even though I was
working for this corporation.
And again, because I had builtup all these clients, I had
(22:01):
almost 400 families and again Ihad 600 contracts.
I'm saying I'm going to beleaving all this that I've
worked so hard for, like, reallyLike.
I've done all this.
What am going to?
What am I?
What am I to do?
I'm going to leave all of thisand again.
So one thing I did I said I gotmy contract now and I told them
(22:26):
I am not paying for this officeanymore.
I was paying almost 800 for anoffice.
It was smaller than a toilet, abathroom, and I was paying
almost $800.
For an office.
It was smaller than a toilet, abathroom, and I was paying $800
.
And I'm thinking you're takingthis $800 for rent before I even
pay my mortgage.
And it was like every time Imake something, this corporation
found a way to take my money,take all my money.
(22:47):
So by the time they werefinished paying, I had nothing
to pay myself.
So by the time they werefinished paying, I had nothing
to pay myself.
As I said, at this point in timemy credit started to go into
shambles.
I never had this problem when Iwas unemployed, but now I'm
working for a company which I'msupposed to be doing better.
Now my financial is going intomess because now I don't have
(23:08):
enough to pay all my bills.
And so, and on top of that, Iwas like I can't do this anymore
.
I'm getting stressed out andwhatnot.
So in all of this, I made aconscious decision that I was
going to walk away, and from itall, I'm going to walk away,
leave my clients.
(23:28):
And that's when I decided toincorporate myself and become
notable wealth management and Ibecame a broker, and so I again.
I want to wrap this up realquick and we will talk more
about the journey along throughmy podcast.
But the beautiful part is I wasnow on track because again, my
(23:50):
higher self came to me and sayswhat are you afraid of?
You've already established arelationship with your clients.
Walk away and start yourcorporation.
And I incorporated myself.
I became notable wealthmanagement and I have almost 500
(24:13):
clients.
It's five years going on six.
I have done much better.
I am less stressed.
I now have weekends for myselfbecause I it's not that this
career wasn't for me, I was justat the wrong place with the
right gifts.
So again, if you're in a placethat you were not meant to be,
(24:40):
the blessing is not going toflow the way it is today.
My doors are like today I'mgoing into 2026 and my pipeline
is so full for January it'sunbelievable.
So my thing is you have to trustthe process, but you have to
trust yourself.
You have to listen to yourinner guides that are guiding
you through the process and youknow there's so much little
(25:04):
tweaks and gifts that camethrough that journey that kept
me going when things were rough,that got me through.
I mean, you know my credit isgood.
Today I'm back on track.
It took some time.
I'm going into my six years asnotable wealth management.
So as we end, you know, as we gointo 2026, I want you to trust
(25:31):
in whatever you're about to stepinto and believe, especially if
you make the time to spend withyourself and you know within
your heart this is the righttime and this is what you're
meant to do Trust the processand allow yourself to go through
it.
You are going to go throughthings and allow yourself to go
(25:54):
through it.
You are going to go throughthings, but if you are on the
right path, those things willjust be like water on duck's
back, you know, and eventuallyyou will get to where you need
to be.
So in my next podcast, we willtalk about RSP, as we're coming
into RSP season.
So, you know, make sure to hitand subscribe and follow me for
(26:18):
more and, you know, stay tuned,but there's more to come.
Thank you and have yourself awonderful day.
Welcome to Money Is For you podcast brought to you
in collaboration with NotableWealth Management Inc.
I am Jacqueline Correa, yourhost for this journey.
So I actually woke up thismorning thinking to myself that
I would come into the studio andtalk about finance and about
(00:20):
products and whatnot.
And my hire guide says whydon't you start the podcast with
when you got laid off?
And I just shook my head andsaid, okay, you got a plan.
So today we are going to talkabout the key is to trust
yourself.
We have to and that is also myword for 2025, is trust.
(00:47):
So for the fact that these twoare lining up, it's just.
I know there's somebody outthere that needs this message.
So my journey, it was 2020,sorry, the year of 2011.
I remember it was January 2nd.
I just started the new year andas I walked in the hall of the
(01:09):
corporation I worked at at thetime, I remember my hire guy
said put your house in order.
This is your last year.
And I just went to my desk andthe year started and by April I
had done my resume, I hadrefinanced my mortgage because
(01:32):
my mortgage was coming up forrenewal, so I thought I'd call
it in early and I did all ofthat and by June 14th I was laid
laid off.
So again, the key here is trustin yourself.
I listened to my higher self,told me what to do and I did it.
(01:54):
So I was packing off and I wenthome, wasn't shocked, was
prepared for it.
So I was not disappointedbecause I knew I needed more
than what the company could giveme.
What I did not expect is that Iwould be unemployed for two
(02:15):
years.
So here I was, had a mortgage,single mom and my kid was in
university, which I now had toput things in order so that we
can survive this.
They'd give me a package and Ihad good.
(02:35):
Thank God, I had, over theyears, had it built up in
emergency fund through a matchcontribution that I had with the
corporation, so they had dumpedall this money back at me that
I had to now manage.
And I remember the summer cameand you know everything was good
(02:55):
and now we were going into falland I remember sitting on the
porch of my home and I remembersaying two things my home.
And I remember saying twothings my God, whatever you're
doing to me, do not let me losemy home, but find me a job that
I can work from home.
Today I'm actually working fromhome.
(03:18):
I have my own company and I'mworking from home.
So we have to be careful withwords that we use and realize
that every word we speak is aprayer.
So we must understand that wemust listen to our inner guides
when it's speaking to us, and wehave to trust our inner self,
(03:39):
trust ourselves, to know thateverything will work out and it
will work out for our highergood.
So, but it was not an easyjourney.
Being off work for two years wasnot part of my plans.
In this process, we weren'tqualified my son wasn't
(04:01):
qualified for student loans, soI now had to.
In all the confusion, I had tomake payment plans to the
university to make monthlydeposits so that my son will
stay in school.
And some of the things that wedon't recognize is that kids see
what we're going through andthey end up worrying more than
(04:24):
we do, even though I said to myson at the time I will take care
of this, the only thing thatyou need to do is make sure that
you have give me a certificate.
But in the process he ended upgetting an ulcer, so we also had
to deal with all that because,as much as I'm saying you know I
(04:47):
will take care of this.
He was seeing the stress that Iwas going through because, as
much as I'm trying to hide it, Iwas still going through my
stress.
I mean, one of the things thatI had learned to do is going to
my, my room, my spare room, andmeditate and just trust in
(05:08):
myself that the next move willcome.
And when I got quiet and I gotpeaceful, I would always get the
information as to what to donext.
So you know, for the two yearsthat I was unemployed, I pretty
much used up all of my savingsbecause I had built up an
emergency fund.
So they had paid me, I think,10 months of employment that you
(05:34):
know because I had worked forthat company for 11 years.
And even that I had to go to alawyer because, again, it was an
American company and theywanted to be cheap.
They even said to me that youknow, your government said you
was entitled to 20 weeks ofunemployment, which is, as an
American company, I guess thatwas not entitled.
(05:55):
So I said no, you choose towork, you choose to do business
in Canada, and so that those arethe agreements for you doing
business in Canada, so what Iwas entitled to give it to me.
So I had to take it to a lawyerbecause I did not agree at the
time with what was given to me,and eventually they worked the
(06:17):
thing out.
One of the things also is thatthe lawyer's fees that I had to
pay it was a write-off, a taxwrite-off, which I learned that
from there, where my lawyer saidto the corporation listen, this
is a tax write-off for you guys, so you can observe her legal
fees.
And so they also did that.
(06:40):
You know every experience thatwe go through, I think when
we're going through theexperience, we ask ourselves,
why is this happening to me?
But you know, we learn a lot ofthe times.
There's always a lesson in inwhat we're going through, and I
think sometimes, if we stop andstep back, there's a, there's a
scripture that I that I, um, Ilove is called be still and know
(07:03):
that I'm God, that I, um, Ilove is called be still and know
that I'm God.
And it is such a powerfulmessage because it teaches you
to sometimes stop running, stopjust on the go and just step
back and allow things to process.
Take a walk, you know wherethere's trees, or you know, go
to the lake and just listen tothe prompting of the spirit,
(07:25):
because that's when he's able tospeak through you and tell you
what it is that you need to do.
I call them knowledge and Icall it wisdom.
So you know, those are thingsthat I would say to you when I,
when I talk of it, you know thekey is trust in yourself.
You know, we live in a societywhere so much we look outside
(07:45):
ourselves for the answer.
But all the answers that weneed as the direction that we
need to go comes from internal.
It's trust in ourself,internally, so that everything
starts within and it comesoutward.
But you have to start fromwithin.
So the key is trust.
So as I I look at my life today, I mean when I was going
(08:09):
through it, I could not believethat I could be here today, and
I even wish that I trust myselfmore back then because I think I
would be better off.
But I know everything is ajourney and there's a journey.
There's a journey why I had togo through the things that I had
to go through, so that I'm abetter teacher and I'm able to
(08:31):
explain these things better tomy clients.
So you know, in all the journeyI mean I was able to go through
, I was able.
You know, I say to people thateven though I was unemployed for
two years, the only thing thatI had had happen was just a
crack in the foundation of myhome, meaning I didn't lose my
(08:53):
home, I was able to pay for myson to go to university and
complete it.
I mean, I had a lot of debtswhen I was done, but the fact
that I was still grateful that Ihad the foundation built before
so that when it did happen Icould go back and draw on that
money to live on during the timeI was going through my rough
(09:14):
time.
So in that process I wasinvited to go into this business
called being an advisor.
It's not something I waslooking forward to and not
something that I thought I wouldgo into or even thought I was
qualified for and, believe it ornot, I went to a company that
(09:37):
it starts with a P and I'm notgoing to bring their name into
it.
I didn't make any money workingfor that company, but one of
the things I was there for oneyear but one of the things I'll
say to you.
I learned so much.
So, again, sometimes we are putinto positions or places and
(09:57):
it's not so much about the money, but there's always a lesson or
there's something to be taughtbeing in there.
So in the two years of beinglaid off again, I was trying to
figure out where I need to be.
Where do I want to go?
You know, I know I did not wanta job where I had to, where I
(10:17):
had to be, and somebody tellingme when I could go on vacation,
when I can go to the bathroom.
I just know I did not want thatAt that time.
I did not knew that, I didn'tknow that I was.
I was a born entrepreneur and Ilike to be self-employed and
work on myself.
These were the times I got toknow who I truly was.
(10:39):
So I was invited to um to belicensed at this company, um, on
which I did Um, and I sat therefor an entire year and, as I
said, I did not make any money,but I learned so much from the
company.
So was it the right choice thatI was invited there?
(11:01):
Yes, because it taught me, as Icall it.
It was me going to school for ayear.
It taught me so much and thefunny thing was I had built up a
clients list by you know, inthe time I was going there I was
seeing clients.
I was, you know, trying to dobusiness but nobody wanted to do
(11:22):
business because I was with thecompany that I was at at the
time.
Nobody was telling me that'sthe reason, but I could figure
that was the reason.
So the year that I sat therejust literally going to because
I was, they were teaching me howto do the business.
They were teaching me how to bedisciplined, they were teaching
(11:43):
me the right things to say,they were teaching me how to
learn the products, and so allof those things I was learning,
things I was learning.
So I I took that opportunity,that of that year as being a
teacher, meaning I was learninghow to, I was just learning the
(12:03):
business.
You know, I was learning to bebetter as who I can be.
If this was what I was gonnastay in after the year was up, I
had to make a decision becauseafter this is within the two
year period that I was laid offbecause I had now run out of my.
I was now run out of all thesavings that I had.
I literally was.
(12:24):
I ran out of everything and allI had left was like 34,000 that
was in a locked, locked-in whatwe call a lira.
It was a locked-in pension theremainder of what the company I
was working for had transferredout to me.
And I remember telling myself Iwas going to take from this
(12:46):
locked-in lira $10,000.
And when this money run out, Ieither have to be in a job
because I told myself, when thismoney run out, I must be at a
job or I would be somewhere thatwas paying me an income.
And that was January of 2013.
(13:07):
And in all of that I was, likeyou know, still stressed out.
I was, like you know, stillstressed out.
I was, you know, and I had nowput my resume back on the market
to find something.
And again here I'm thinking I'mgoing to go find a job.
I mean, I'm at the desperatepoint now.
This is the point that younever actually jump to do
(13:31):
something that, but desperationsometimes cause you to do stuff.
So now I'm actually going backto do something that I didn't
want to, because I remember, inthe beginning of of um 2011, I
said I really don't want to goback to a job.
I didn't want to go back to adesk job and I didn't want to.
I wanted to find something thatI can work from home.
(13:52):
And I was called.
I was invited again, um, to aninterview with another insurance
company, um and I, I went andagain at that point in time, the
way they explained thecommission, the compensation, I
(14:16):
said to myself, okay, if I cando four policies a month, I can
meet my needs.
Right, I can take care of myfinances.
It was not the career that Ithought I was going to end up in
.
I just thought at that point itwas more of a desperation going
to end up in.
I just thought at that point itwas more of a desperation.
And I remember coming I said,okay, I'm going to take this
(14:37):
because I need to take something.
And I remember my higher selfonce again said to me but this
was not the plans that youwanted.
And it was just like thatperson was on my shoulder and I
remember turning my head saying,listen, I will do everything
you want to do, but right now Ineed the money.
So again, I was putting themoney in front of my higher self
(15:00):
and I started the career.
And I mean again, um, you knowone thing I've learned in life
if God puts you in a place, hewill bless you.
But when God say, or yourhigher self or your divine self
says this is not the avenue thatyou need to go in, and you go
(15:22):
in it, you will get stricklingsstricklings of anything, but
you're not going to get the fullblessing because you're not in
the place that that he wants youto be right, you're not where
you want you supposed to be.
So I started a career, um, asas a career advisor.
At the time, I brought all myclients in and during the
(15:47):
process they actually sold me.
At the time I didn't realize Iwas doing this.
Now remember, at this point intime I started a career.
I had a crack in the ceiling inmy house, I had still good
credit, everything was stillgood.
It's just that now I run out ofmoney.
But I started this career,which is supposed to make my
(16:09):
life better and, believe it ornot, a year later my credit was
in the pits, and it's just.
This is what I'm talking aboutwhen you're not where you're
supposed to be, the blessingcannot flow the way it's
supposed to flow.
But again, it's a journey, andI'm saying this because there's
(16:29):
always a lesson to be learned inthe journey.
So I started a career and nobodyknew I went to work in a branch
that it was all run by men itwas myself and one other lady
was the only female in there andthey did not know the struggles
(16:50):
that I was going through.
They just saw somebody come inand this person had a drive that
had to make the money.
They didn't know that I had tobe sending $1,700 to the
university every month to keepmy son in university, plus
maintain my mortgage and all theother bills.
They just looked at me andthought what the hell?
This woman coming to disturbthe groove?
(17:12):
They were just.
These guys have been here for20 years, five years, 10 years.
How dare you come in to this,dismantle the groove?
And so I had to get paid.
So I was working seven days aweek, you know.
I mean, back in those days wedidn't have nothing to do online
.
Everything had to be in person.
(17:32):
So Sunday afternoon I cooked ameal for my kid and I was
driving across the highway toclose a deal so that I would get
paid, you know, and that's howI was pretty much going, but it
was like every time I gotsomething, like I got a little
bit and then something elsehappened.
So I felt like here I was, therain was falling, I was working,
(17:54):
I was working really hard, butI could never seem to just start
climbing up there.
Every time I climb up that hill, boom, it's like a mudslide and
I was flying right back down,and so it was like I was paying,
taking from Peter to pay Paul,and I was just know.
And there was a time there thatyou know again the kid was
(18:15):
still in university I'm doingwhat I had to do Sometimes.
I didn't ever get paid in time.
I would now have to, you know,maybe like borrow from a friend
just to make sure that mymortgage got paid, and then a
couple of days later I got paidand I would pay them back.
But I was just, I was doing thejuggle thing.
I was just doing the jugglething.
But I learned in this journey.
(18:36):
I really learned how to managemy finance.
Like I mean, I had been infinance for 25 years but I was
in the leasing sector of it andI was paying my bills, I was
doing all the things.
But this was a time where Ireally had to focus of how I was
living, how I was spending thethings I had in my life that I
(18:58):
needed or I didn't need it.
So I truly learned how to liveon a budget.
I truly learned how to you know.
I mean, I I always believe inum, you make an income, you
don't spend it.
All right.
I had the discipline of youknow, if I made $100, I try to
put away $10 or $20 of it.
(19:20):
So I always had that disciplineand that's what saved me,
because at the end of it all, Ihad an emergency fund, fund with
their payout that they paid meout, allowed me for two years,
so that in itself was a blessingand I had grew in my own
personal walk tremendously inthat that two year, like I
(19:44):
learned to know who I was as aperson.
So, again, the journey isalways a great thing.
There's a lesson in everythingthat we go through.
So now, here I am.
Here I am and you know, as Isaid, I'm working for a
corporation.
And again they told me you'reself-employed, um, you're
(20:06):
building a business and all thethings.
This is a lie, because you'renot building a business when
nothing is yours.
Here I am, I brought in.
You know, I probably broughtlike 250 clients of my own over
that time period that I was withthis company.
Now, you know, and when I waslate, like when I left them, I
had to leave all my clients.
(20:27):
So, again, they're sharingsomething, with you saying
you're building a business, butthe business is not yours, the
business is them.
You're just literally workingfor them and they're taking
something, with you sayingyou're building a business, but
the business is not yours, thebusiness is them.
You're just literally workingfor them and they're taking your
business.
So one day I was in in theoffice, as again I said I was
working five days a week, I wasworking seven days a week and I,
I, my, I felt my heart.
(20:49):
I thought I was going to have aheart attack.
I was just basically thoughtlike I can't do this, I can't I.
What am I?
Thought I was going to have aheart attack.
I was just basically thoughtlike I can't do this, I can't.
What am I like?
I look around the office andevery other advisor either had a
heart attack or had a pacer andI thought, whoa, wait a minute
here.
Everybody here has gone throughsomething with this corporation
(21:14):
that have caused them to have,like, a heart attack, right, and
or had something happened tothem that it's an illness now
and I'm like this is not the wayI want to live my life.
This is truly not the way Iwant to live my life.
So in that process, one of theadvisors he was about to retire
and he came to me and he saidyou can't make it in this
(21:36):
company with just one contract.
You need multiple streams ofincome.
And I'm telling you, in all ofthis I've been praying for
something better to come along.
And he drove me to thebrokerage firm.
And that's how I became abroker, even though I was
working for this corporation.
And again, because I had builtup all these clients, I had
(22:01):
almost 400 families and again Ihad 600 contracts.
I'm saying I'm going to beleaving all this that I've
worked so hard for, like, reallyLike.
I've done all this.
What am going to?
What am I?
What am I to do?
I'm going to leave all of thisand again.
So one thing I did I said I gotmy contract now and I told them
(22:26):
I am not paying for this officeanymore.
I was paying almost 800 for anoffice.
It was smaller than a toilet, abathroom, and I was paying
almost $800.
For an office.
It was smaller than a toilet, abathroom, and I was paying $800
.
And I'm thinking you're takingthis $800 for rent before I even
pay my mortgage.
And it was like every time Imake something, this corporation
found a way to take my money,take all my money.
(22:47):
So by the time they werefinished paying, I had nothing
to pay myself.
So by the time they werefinished paying, I had nothing
to pay myself.
As I said, at this point in timemy credit started to go into
shambles.
I never had this problem when Iwas unemployed, but now I'm
working for a company which I'msupposed to be doing better.
Now my financial is going intomess because now I don't have
(23:08):
enough to pay all my bills.
And so, and on top of that, Iwas like I can't do this anymore
.
I'm getting stressed out andwhatnot.
So in all of this, I made aconscious decision that I was
going to walk away, and from itall, I'm going to walk away,
leave my clients.
(23:28):
And that's when I decided toincorporate myself and become
notable wealth management and Ibecame a broker, and so I again.
I want to wrap this up realquick and we will talk more
about the journey along throughmy podcast.
But the beautiful part is I wasnow on track because again, my
(23:50):
higher self came to me and sayswhat are you afraid of?
You've already established arelationship with your clients.
Walk away and start yourcorporation.
And I incorporated myself.
I became notable wealthmanagement and I have almost 500
(24:13):
clients.
It's five years going on six.
I have done much better.
I am less stressed.
I now have weekends for myselfbecause I it's not that this
career wasn't for me, I was justat the wrong place with the
right gifts.
So again, if you're in a placethat you were not meant to be,
(24:40):
the blessing is not going toflow the way it is today.
My doors are like today I'mgoing into 2026 and my pipeline
is so full for January it'sunbelievable.
So my thing is you have to trustthe process, but you have to
trust yourself.
You have to listen to yourinner guides that are guiding
you through the process and youknow there's so much little
(25:04):
tweaks and gifts that camethrough that journey that kept
me going when things were rough,that got me through.
I mean, you know my credit isgood.
Today I'm back on track.
It took some time.
I'm going into my six years asnotable wealth management.
So as we end, you know, as we gointo 2026, I want you to trust
(25:31):
in whatever you're about to stepinto and believe, especially if
you make the time to spend withyourself and you know within
your heart this is the righttime and this is what you're
meant to do Trust the processand allow yourself to go through
it.
You are going to go throughthings and allow yourself to go
(25:54):
through it.
You are going to go throughthings, but if you are on the
right path, those things willjust be like water on duck's
back, you know, and eventuallyyou will get to where you need
to be.
So in my next podcast, we willtalk about RSP, as we're coming
into RSP season.
So, you know, make sure to hitand subscribe and follow me for
(26:18):
more and, you know, stay tuned,but there's more to come.
Thank you and have yourself awonderful day.
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