April 29, 2025 • 43 mins
Want to know the real habits that helped us become millionaires — without needing to be a genius, come from money, or get lucky? In this episode, we break down 10 tiny habits that changed our lives financially — and the best part? Anyone can do them.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Think about what you're talking about.
Think about what you'reconsuming, think about the
conversations.
Think about what you guys areengaging with.
Think about what you guys arelearning from each other.
Think about that.
So you are the average of thefive people you hang around the
most.
So if you say I'm hangingaround four broke people, you
(00:21):
know who's gonna be the fifth.
Welcome to another episode ofthe more than a silo podcast,
where we help non-defilerscreate more impact, income and
influence outside their jobs.
(00:42):
My name is anthony and I amginoka.
Speaker 2 (00:44):
We want to thank you for coming back and listening to
us week after week or everyother week.
However, you're listening to usand wherever you're listening
or watching, because we alsohave full videos on YouTube.
So what are we talking abouttoday?
Speaker 1 (00:55):
Today we're talking about how we went from 114,000
dollars in debt to millionairesusing these 10 simple habits.
Speaker 2 (01:02):
And I'm just going to say, on top of that, many of
you I don't know if some of youcame along in this journey
during that time when we weretalking about our debt payoff
story.
You came along during thecleaning business time, but it
kind of all comes togetheranyway.
Speaker 1 (01:16):
Yeah, and this is not going to be more about debt
freedom.
This is going to be more aboutsharing the wealth building
secrets that literally anybodycan use, and also our small
daily habits that compounded andchanged our lives, and most
people overlook some of thesestrategies we'll be talking
about today.
Speaker 2 (01:31):
You said you wanted to talk about some tariffs.
Speaker 1 (01:34):
No, we're not talking about tariffs.
So stay to the end for a bonushabit.
That I promise you hasaccelerated our journey and
these 10 or 11 habits couldchange your financial future yep
, starting with the first one,wait what number one, number one
, number one, number one, numberone.
I want to before.
This is actually now.
This is a bonus one.
We got to talk about how yougive it a bonus at the beginning
(01:55):
, the bonus at the beginning.
So let me see, let me see letme see.
Speaker 2 (01:59):
I thought it would stay to the end for the moment
all right, cool, go ahead.
Speaker 1 (02:03):
What I'll get into that one, I'm gonna add it to
another.
Speaker 2 (02:06):
I just thought about one as we were getting started,
okay so the first, the firsthabit that we had is checking
your money and net worth daily.
So how do you know where you'regoing if you don't know where
you're at is the biggest thing?
Um, and you may be like what isthe net worth first of all?
Can you just, can you explain?
Speaker 1 (02:22):
Yeah, your net worth is what you own minus what you
owe.
Yeah.
Speaker 2 (02:27):
So checking your check-ins account, you're having
awareness tracking it.
If it's every morning, if it'sduring lunch, your savings,
keeping track of that type ofstuff.
It may be another way for youto even know what's happening if
there's any fraud or anythinghappened on your account, if
there's any fraud or anythinghappened on your account.
But checking your spending andnet worth daily helped us to see
(02:47):
where we were going, how closewe were, how far we were and
also I think it's important manythings that you may not think
about can be part of your networth as well.
I think most people think abouthouses and then your bank
account, but there's alsojewelry would be part of your
net worth.
What else would you include inthat?
Your car could be part of yournet worth.
Speaker 1 (03:06):
What else would you include in that your car could
be part of your net worth, yourjewelry, like you said,
obviously, your investmentaccounts, your bank accounts,
anything that would beconsidered an asset, something
you could sell.
I wouldn't go into littlethings like your computer and
stuff like that, unless you gota $10,000, $20,000 computer or
studio equipment or somethinglike that.
That could be part of your networth as well.
So we thousand dollar computeror studio equipment or something
(03:29):
like that that could be part ofyour net worth as well.
So we have a little section formiscellaneous that we have for
our watches and some jewelry,but, um, anything that you own,
minus what you owe, would beyour net worth, and what are
some of the, the habits that weuse to do that.
So one of the things we talkedabout was obviously checking
your money every single day, butyou could use apps to do that
so you could check your networth.
Um, using personal, personalfinance, personal capital.
Mint was another app.
(03:50):
You could use every dollar tojust manage your money and
that's something that you stilldo to this day.
Like I will wake up and you'lljust be logged into the account.
Speaker 2 (03:58):
I'm like, yeah, good so, yeah, you, you know it's
like are you good?
I'm like I'm.
I just like to keep, sincewe've been doing it now since
2017, so we're closing what?
Eight years now.
It's become part of oureveryday.
So I just like to keep tabs onthe money, make sure not make
sure the money is still there,but just see where it's going.
If there's something I noticedthere that I don't know about,
(04:18):
I'm like or know where it camefrom, like hey, from like hey,
is this you?
So it just helps us to keeptrack of that type of stuff, and
it's motivating to see your networth grow, very motivating for
you to see a number similar tolike when you're losing weight.
Very motivating to see thenumbers dropping, um.
So that's the reason why we saycheck your net worth and with
these uh apps that you mentioned, I think like personal capital,
you basically just connect allof your bank accounts to this
(04:42):
website and it kind ofcalculates everything together.
We're talking Roth, ira, 401k,everything.
You connect all your bankaccounts and investment accounts
that you have and it can helpyou to show you what your net
worth is currently and thenadding in houses and all the
other things that you have goingon.
Speaker 1 (04:58):
Now I might say not to check your bank, not to check
your net worth during this time.
You want to check your bank,not to check your net worth
during this time.
You want to check your bankaccounts, you want to check your
saving, you want to check yourinvestment stuff, like you want
to check those things, but don't, maybe not check your net worth
during this time, because youmight be a little sad right your
401k drop, you know, 10, 15 youmight be, you might be po'd
(05:19):
about it, might be pissed offabout that.
So maybe you don't check thatduring this time.
Um, which leads me to numbertwo, which is different from
number one.
We said checking your money innet worth daily.
Now it's about managing yourmoney, um, using an app.
One app we used during our debtfreedom journey was the every
dollar app yeah, and we stilluse we still use to this day.
So we use that for zero basebudgeting, which means that at
(05:42):
the end of every single monthyou know exactly where your
money went, and your budgetshould be pretty much zeroed out
.
Yeah.
Speaker 2 (05:49):
When we started budgeting because we were
spending money, I would say,responsibly.
But when we started budgeting,we started to see that we had
like, oh, $1,200, $800 left overBecause, as he said, it's a
zero-based budget, which meansthat you budget every single
item.
So maybe you know debt, payoff,ubers, brunch, whatever You're
budgeting every single dollarthat comes into your account.
(06:11):
And when we started budgeting,we saw money left over and that
helped us to throw it towardsthe debt, the leftover money.
I say it like this because itis money that had to go
somewhere and we were spendingit somewhere before we started
budgeting.
We just didn't know where orhow, and the budget allows you
to see.
You had a saying aboutbudgeting.
Speaker 1 (06:28):
We used to say budgeting is telling your money
where where to go, instead oftelling so you get you know
where it went, say that again,so budgeting is telling your
money where to go instead ofwondering where it went.
Speaker 2 (06:38):
Okay, yeah.
So that's just important.
If you're not budgeting, Ihighly recommend that you do so.
No matter how much money youhave coming in, every company
and the business, everyoneshould be budgeting in some, in
some capacity.
So I think, like with anything,as you start to do these habits
, it becomes part of yourroutine, it becomes part of your
daily life.
It becomes exciting.
(06:59):
I know there's some timesyou're like, oh, maybe you
become becoming a negative,maybe something happens.
But budgeting it became like agame and important for us to do
because it helped us to knowwhere our money was going.
Same thing with the net worth.
It helps us to be motivated, um, to continue to do it and know
and be excited about it, right.
So I highly recommend to budgetand over time it just becomes
(07:22):
part of your life and I'm partof who you are and, if you don't
know, every dollar is owned byDave Ramsey and his team.
But there's tons of otherbudgeting apps.
Speaker 1 (07:30):
Yeah, there's tons of apps you can use, but that was
the most simple one for us.
It fit our lifestyle, it waseasy to use and obviously he's
the budgeting goat.
And if you guys don't know, Igot my Dave Ramsey signature
book right here, total.
Speaker 2 (07:42):
Money Make Signatured book right here, total money
makeover From his team and wewere on the debt freedom screen.
Speaker 1 (07:47):
Thank you, Thank you for being on our team Once we
became debt free and it saysThank you millionaires.
So we got that from Dave Ramseyand his team.
So shout out to those guys.
And this is the Total moneymakeover book.
Speaker 2 (08:00):
Is that the redo?
Speaker 1 (08:01):
Yeah, oh okay, he did it a few times, so shout out
Dave Ramsey, his team, that's myguy.
Listen to him earlier today too, you know, him personally.
Yeah, literally Okay.
I'm going to call Dave rightnow like yo, what's good how you
doing.
Speaker 2 (08:13):
Doubt it, but okay, the third habit that we have is
review your goals weekly andmonthly, which these first three
just is reiterating that youneed to be looking at your money
, you need to be payingattention, you can't set it and
forget it.
It's not one of those things Ithink, especially when you're
first starting out.
You can't just set it andforget it.
There may be a time where itbecomes automatic and things are
(08:35):
just flowing and stuff likethat.
But reviewing your goals weekly, monthly.
When we were paying off ourdebt, it was part of our
conversation, probably every day, probably every day, and then
slowly, weekly, monthly.
To this day Now, we still domonthly check-in on our goals.
We do quarterly check-ins onour goals.
So definitely kind of keepingit visual is important because
(09:00):
you know, like, like you have achecklist, the same way that you
, you prioritize that when yousee it every day, when you write
it down, it will be the samething for your money, for you to
get closer to that.
You know millionaire status andyou may be thinking.
Speaker 1 (09:12):
I got to set up a long meeting to do this, like
this one here, reviewing yourgoals every single week.
But you could do a 30 minutecheck-in with yourself,
especially if you're you know,solo or you're individual you're
you know solo or you'reindividual, you're not a couple,
whatever it is you can do aquick 10, 15, 20 minute check-in
just to review are you gettingcloser to your goals every
single week?
Again, this kind of goes backto if you don't know where
(09:32):
you're going yeah, and it's likewhat's working, what's not.
Speaker 2 (09:36):
It also helps you to kind of maybe celebrate yourself
a little bit.
Now, if you're going towards,you know, millionaire status,
you don't want to go buy a carto celebrate yourself and making
progress.
But what little things can youput in place to celebrate these
small wins, because nobody justwants to do, do, do and not, you
know, be celebrated and beexcited about it.
(09:57):
So if that's a goal of yours,you're working towards that,
making sure that you arecelebrating by also reviewing
your goals all the time.
Speaker 1 (10:04):
So how about number four?
Pay off that debt now?
People ain't gonna agree withthat this is a.
This is a uh this is one of theones that people always debate,
like oh, if you a millionaire,you need to have good debt
versus bad debt I don't saythere.
I don't give my debt apersonality.
Debt is debt, whether it makesme money or whether it loses me
(10:25):
money.
Debt is debt, right.
So people will say, well, Itook out debt in order to make
more money, that's great, it isstill debt.
Well, I took out money and Igambled with it, that is great,
it is still debt.
So you may be thinking, oh God,no, go ahead.
I was like you may be thinking,thinking well, the debt that
made me money is that consideredgood.
Debt doesn't have a personality.
Debt doesn't have a trait.
(10:46):
Debt is debt that means moneythat is old, essentially.
So, regardless if it makes youmore money or loses you money,
it is still debt.
So once we understand that, wecan understand with it.
Now there may be people likeI'm going to invest in this
business and it's going to aretrying to get to that
millionaire status and may notmake the most amount of sense go
(11:07):
take out a huge line of creditor take out a huge amount of
debt in order to get there a lotfaster, because obviously
there's some challenges that wegot to get around managing our
money, especially in ourcommunity.
We have to be able to manageour money before God gives us
more.
There's a reason why we don'thave more money than we actually
have because we haven't managedthe money that's currently in
front of us.
Speaker 2 (11:28):
And I want it to be realistic and you got to be
realistic with yourself.
The percentage of Americansthat can actually do that in
regards to borrowing debt, payit back on time and all that
type of stuff to make more moneyis very low.
And it may not be you, andthat's okay, but I don't think
people are very realistic whenit comes to that.
When it comes to the creditcards and the debt, like you
(11:48):
said, of like I'm going to dothis to make more money, many
people cannot manage that and welive in a society where we
think we can, but most of uscannot.
So how do you kind of managethat?
Paying off your debt?
We paid off $114,000 of debtand that was our personality.
As people say, this has becomeyour personality, absolutely.
Was we spoke about it witheveryone, didn't I say he was
(12:11):
recording?
Oh, no, you wasn't.
We spoke about it with everyone.
We had it on our fridge.
It was visual for us.
We spoke about it on podcasts.
We made content around it.
So it became our world, becauseit was the thing that we wanted
to do and we knew that wewanted to do that, and the
method that we used was asnowball method.
Sorry, can you explain a littlebit of what that is?
Speaker 1 (12:37):
Yeah, debt snowball means that you are putting your
smallest debt first, and thereason you do that is because
you're going to be buildingmomentum.
So let's say you got a $1,500credit card and you got a
$15,000 credit card, you'regoing to start with the smallest
debt first, no matter theamount of interest.
Where you might be saying, well, the smaller credit card, the
larger credit card with thesmaller interest, I'm going to
focus on that one becauseinterest is lower.
But this is more about momentum.
So if you're seeing yourself,okay, I'm paying this fifteen
(12:58):
hundred dollars off quickly,you're going to be more excited
to move on the next one versusstarting with the fifteen
thousand dollar credit card.
And now you're like this istaking me forever.
So the debt snowball is a gameof momentum.
The avalanche is the completeopposite.
You put the largest to thesmallest and you work your way
down like an avalanche.
You start with the big snowballand it rolls its way down, or
you take the small snowball andyou roll it up.
(13:19):
So those are the differencesbetween the two and we use the
debt snowball method because ourpersonality, we need those with
that momentum, we need thosequick wins and we need it to be
able to celebrate, so highlyrecommend it and every extra
dollar, like we spoke about thatleftover money, went towards
that.
Speaker 2 (13:34):
Like, if you're serious about this, if this is
something that you want to do,can you put the extra money that
you have once you've budgetedeverything, once you budgeted
your fun time, once you budgeted, budgeted everything, your
essentials can you put thisextra money towards that to kind
of get the process rollingquicker.
The longer that you take, theless likely you probably are to
continue because it feels likeit's taking too long.
(13:55):
You know, just like withanything, if I'm, if I don't
feel like I'm gaining anything,it's kind of like what's the
point, right?
So if you can be aggressivewith it as much as possible,
that would help you to continueto want to pay off that and to
reach that goal of paying it off.
Speaker 1 (14:10):
Yeah, and debt is more.
It became more psychologicalfor us.
It was like this is somethingthat we want to do.
And it became less aboutfinancial, because when we first
started, you were like, listen,everybody's in debt.
Why are we doing this?
It's not a big deal.
Well, like she said, a littlelater, this became part of our
personalities Like we want toget to this goal.
We want to get there fast.
We didn't want to drag it onand it became more of a mountain
(14:34):
that we wanted to climb.
It became a game.
It became something that wewanted to overcome and
accomplish so that we couldcheck that off right.
So that's definitely somethingthat you want to do.
Like I said, these are smallhabits that we created in order
for us to become millionairesno-transcript.
Speaker 2 (15:07):
Where can I now put this $3,000 that I was putting,
or the $500 that I was putting?
Can I put it in investmentsaccount?
Can I put it?
Can I get a property whichthat's something that we did,
you know?
How can you then utilize thatmoney once you're able to put
that?
Speaker 1 (15:18):
debt aside.
So think about it in that waythat first month we paid off our
debt was december 2019, goinginto january no november going
into jan december number 20.
Speaker 2 (15:28):
When did I turn 30?
Speaker 1 (15:30):
I don't know well that first month, that 2018,
december 2018, we paid off ourdebt yeah, so that first month
where we didn't have that debtpayment it was like five
thousand dollars that we had todo whatever we want extra money
extra money that we were puttingtowards debt aggressively now
became our money right, so wetook it.
We were able to.
I think that first month we didhave some fun with it, but
(15:52):
after that it's like, okay now,yeah, what a bag.
You did buy a bag which is notan asset, but neither here nor
there it can be an assetactually if you look at it
birkin is not the only bag thathas assets we can't resell.
I go to right to canal streetand get another one of those you
go to canal and get a birkintoo.
Speaker 2 (16:09):
That don't mean nothing.
The point is, it doesn't haveto be an asset.
Okay, the point is that wecelebrated once we paid it off
and we had this extra money thatwe were throwing towards that,
that you can now do whatever youwant with it.
Speaker 1 (16:22):
Essentially, yep, yep , yep, which takes us to habit
number five investing inyourself, so learning something
every single day.
Speaker 2 (16:31):
Now I'm gonna be honest, and I'm gonna lean on
you for this one, because I donot say that I actually learned
something new every day.
I don't consume well, I don'tconsume the same things that you
consume, so this is more of athing that you have done and
excelled in, to be honest, yeah,so I'll say five, six and seven
are around mindset habits.
Speaker 1 (16:51):
So we talk about number five learning something
every single day, day.
So I became committed tofinancial education.
This was a path we were on.
You brought it home, so Iwanted to consume as much
information, right?
So I like, I said, the daveramsey book.
I got tons of financialliteracy books here.
I wanted to learn about payingoff debt.
I wanted to learn aboutinvestments.
Speaker 2 (17:09):
I wanted to take his class we took his financial
peace class you want to talkabout that exactly what that was
so financial peace is just likea workshop to kind of go hand
in hand with his book and thethings that Dave Ramsey teaches,
and we started with listeningto his methods.
Now, we didn't followeverything to the T, but we are
here because of what he spokeabout his show, hearing the debt
(17:30):
freedom scream from differentpeople that motivated us to get
into just paying off debt andmillionaire status and things
like that.
So Financial Peace Universitywas a way for me to kind of give
a offering to say like, okay, Iknow you're consuming this and
this is a way that we can dothis together.
Did we go in knowing a lot ofthe stuff that he was teaching?
(17:52):
Yes, but it was something forus to do together, be serious
about it.
Like we cut up our credit cardsin that class accountability.
It was just something you knowas a married couple as well that
helped us to get on the samepage.
So, even though I may I was notlistening to the podcast, I
still was gaining informationthrough that or things that you
were bringing home and sharing.
Speaker 1 (18:12):
So yeah, so learning something every single day, like
you said, coming home, sharingwith the family, so we all are.
If you are commuting, you're ona train, you're on a bus,
you're in a car what are youdoing during that time?
Can you use that to change yourfinancial situation?
I was listening to a podcastand this guy said I got into
(18:32):
real you make this guy he was.
I got into real estate because Iwas listening to a podcast.
He ended up a lot of the thingsthat we were listening to
during that time.
Speaker 2 (18:41):
Yeah, it's crazy that we ended up being on those same
, like his and her money I don'teven his and her money, I'm
sure is still around, like wewere on that podcast at the very
beginning.
So we kind of found our tribeof people, especially when we
started to share and just peoplethat were doing the same thing
or just interested in the samething.
So finding that tribe of peopleI think is important Once you
(19:02):
start to get the information,getting around people that maybe
want to do the same thing asyou.
For us, we had each other Iwouldn't say necessarily like
our closest friends were doingthe same thing, but over time
some of our closest friendsdecided to pay off their debt.
So I think just being aroundother people is important when
it comes to you know you a goalthat you have in mind being
(19:25):
around like-minded people yep,so that is habit number six
you're around like-minded people.
Speaker 1 (19:32):
Oh it, it is.
Didn't realize that?
Yeah, so you're the average ofthe five people you spend the
most time with, and that is atrue enough statement.
Think about the average fivepeople you spend the most time
with.
Think about what you're talkingabout, think about what you're
consuming, think about theconversations, think about what
you guys are engaging with,think about what you guys are
(19:57):
learning from each other.
Think about that.
So you are the average of thefive people you hang around the
most.
So if you say I'm hangingaround four broke people, you
know who's gonna be the fifth.
She looked at me like ain'tgonna be me.
So more than likely, you'regonna be the fifth.
You hang around fourmillionaires.
(20:17):
You know who's gonna be thefifth one.
More than likely you, it'sgoing.
It's almost impossible to hangaround people at a certain level
who have these goals and nothave any of that stuff rub off
on you.
Yeah, this is why I havedifferent circles, right, I got
my friend circle.
We talk about sports and we gotthose things.
I got my people who areentrepreneurship got people in
business.
I got people who are, who arefathers and husbands and stuff
(20:39):
like that.
So you have to have I'm notever going to say you got to cut
your friends up, but you got tohave different circles that
you're always able to you wantto be the smallest person in the
room?
yeah, when you talk aboutcircles like that, you want to
be the smallest person in theroom if you talk about consume
it, you talk about relationships, you're like that you want to
be the smallest person in yourroom so you can consume it.
If you talk about relationships, you're like all right, I want
to be around people who've beenmarried 15, 20, 25 years.
(20:59):
What can I learn from them?
I want people who have kidsthat are damn near my age right,
10, 12.
Speaker 2 (21:05):
Well, that's too far ahead.
That's too far ahead.
Speaker 1 (21:08):
I want to have versions of success that I can
see.
Yeah, I want to have versionsof success that I can see.
All right, they've been marriedfor 50 years, 30 years, and
their kids are 20, 25, and theyseem like pretty decent humans.
What did they do in theirupbringing so that we could
teach our kids?
Speaker 2 (21:23):
And that may be changing your social circles or
just maybe adding on to itfinding it right.
So a lot of times you know wedon't grow up or we haven't at
least us people that look likeus haven't grown up, maybe with
an entrepreneurship mindset orjust getting out of debt.
That's not something that we'rereally taught about.
Like he said when we first,when he first brought it to my
(21:44):
attention, I'm like well,everybody had debt.
Like why are we trying to getout of it?
What's the point?
Maybe you just never heard ofit, like you've never even
thought about it, and now it's apossibility for you.
So those things sometimes youhave to get around different
people, which is hard in itself.
But if you're serious aboutmaking a change in your life,
whatever that looks like um, yougot to do it.
I mean, that's why people haveaccountability partners, that's
(22:06):
why people get trainers in thegym.
That's what people you know geta partner for the gym, because
maybe you've never done thatthing.
You're like the support ofother people helps you to keep
going and that was important forus and in anything that we do,
we look for that.
Like is there?
There's nothing that we'reinventing at this point in life.
I don't think another Amazon iscoming around, so there's
(22:27):
nothing that you're probablyinventing.
So someone is out there doingthat thing.
Can you get around them?
Can you consume their podcast?
Can you go to a workshop,anything like that, to be around
them?
Speaker 1 (22:37):
so so habit number seven investing in yourself, so
which the highest?
Return on investment is goingto be yourself.
So there's this, there's thisquote that people say the s&p
500 is the highest return oninvestment but they say the sme
500, meaning you're investing inyourself.
It's kind of like corny, but Iain't never heard that in my
life.
Sme like, instead of investingin the SMP, the index fund,
(22:59):
you're investing, I get it itwas like Alex Hermosi or
something like that.
Sme 500 it's corny, but it makessense, right?
Your highest investment thatyou can make is probably going
to be returned on yourself, so,instead of trying to invest in
something else, investingyourself.
So your own skills, your ownknowledge, your own teaching and
one of the biggest habits thathelped us become millionaires
(23:20):
was investing in ourselves.
So spending money on coaching,spending money on courses,
spending money on conferences.
We could even talk about oneconference.
We spent what four thousand,probably five thousand dollars
all in to a conference, and thatthat was um the EYL event.
Speaker 2 (23:37):
Oh, that's it into the VIP.
Yeah, yeah, yeah.
Speaker 1 (23:39):
And that returned networking opportunities, where
we were sitting in a room withmillionaires and billionaires,
um, getting around them, andthen also the people we work
with on the back end.
And then the long term form ofit, right so, connecting with
(24:02):
people just on a proximity,speaking of you wearing a shirt
too, so oh, yeah, yeah, Ihaven't worn a shirt in a really
long time right.
So we spent almost fivethousand dollars investing in
the vip experience probably morethan that investing in a vip
experience in total, yeah and itwas like that return on
investment was unmatched.
just by being in a room gettingour names out there, people's
like, oh yeah, I know you guysfrom social media and it's down
in thirds and connecting withpeople.
Speaker 2 (24:16):
Now, it doesn't have to necessarily be at that scale
but can you invest in some typeof way.
Generally we have no problem.
We see college as a way ofinvestment for us.
We have no problem, and that isthousands of dollars.
More than half of us is in thattype of student debt.
We student debt.
(24:41):
We see that, we understand thatbecause that's been ingrained
in us.
But are there other things thatwe can do that will help us to
grow financially, maybe to helpus grow socially?
Just knowledge, all those typesof things that we don't
consider, I think is importantas well.
Speaker 1 (24:48):
I was talking to my guy literally just came up to I
was talking to my guy, andre CHatchett Shout out to Andre,
mobile notary genius we weretalking about.
He showed me a comment ofsomebody saying oh, I can't
invest in your stuff because Igot to save up for it.
Speaker 2 (25:02):
No, they were like.
Speaker 1 (25:03):
I can't see myself investing in your stuff or
something like that.
But I told them I was like, ifyou had the opportunity to buy a
Lamborghini for $10,000, wouldyou buy it?
Would you do it?
No, because you thinksomething's wrong with it.
All right, let's say nothing.
That's number one.
So let you know the value.
That's value, right.
You put a value to it.
So you know the value of thelamborghini's like, why is it
(25:23):
only being sold with tenthousand dollars?
Let's say nothing was done toit and you didn't have ten
thousand dollars, would you beable to get it absolutely?
Speaker 2 (25:31):
why?
Because it's a sale to me.
Speaker 1 (25:33):
To me, it's like a sale, exactly so if the
Lamborghini is $10,000 and youknow for a fact that it's worth
$250,000,.
You will find the money.
Speaker 2 (25:41):
Is that how much?
They call $150,000.
I was just wondering Jesus.
Speaker 1 (25:45):
But that's what you do on investing and stuff.
You will find the money, youwill find the opportunity.
You would take out a loan, youwould do everything in your
right mind to find that $10,000to buy that Lamborghini.
Because the problem is youdon't see the value in the
opportunity most of the time.
So, investing in yourself, youhave to know the value of the
(26:07):
opportunity.
And I just literally toldsomebody like my investment of
$10,000 that we had made it wasno guarantee.
There was no um course.
There was no.
At the end of this, you'regoing to make a million dollars.
It was just you get access tome and that was it.
It was $10,000 and I paid itand that investment.
I just told him that yourinvestment made us over a
(26:28):
hundred thousand dollars.
But there was.
There was nothing like I knewthe value of what I was
investing in, because I knewwhere we wanted to get to.
So when I say one of the habitsthat made us millionaires had
been investing in ourselves, wedo it time and time and time
again and we continue to do ityeah.
Speaker 2 (26:44):
So when we started out maybe it looked a little
smaller the amount we're able toinvest and the people we were
able to be around.
But as we continue to grow andmake more money, we understood
that the kind of way we speakabout the marketing type part of
it is like we put money in andwe, more than likely we may see
we're going to see a return.
Now the return may not alwaysbe financial and I think that's
(27:05):
something that most people lookfor, like if it's not financial,
they don't find the value.
But we always assess the thingsthe coaching programs and
things that we're a part of,like did we get something from
it?
Did we get something from it?
Did we implement it?
Did they ask the question Isthere any data?
Is there something we couldhave gotten from it that was of
value for us?
And 97% of the time there is,there is some type of value.
(27:29):
So investing in yourself isimportant and you should
continue to do it.
It doesn't stop right.
It's important and you shouldcontinue to do it.
It doesn't stop right.
You should continue to investin yourself.
Speaker 1 (27:36):
And that goes back to one of the first investments we
made in a program was at ahigher level, over $1,000 was
Daniel Leslie and I think thatwas what $2,400, $2,500 or
something like that and we didit Maybe, yeah, but the problem
was we did nothing with theinformation at the time.
But looking back, gettingexposed to the industry has made
(27:58):
us multiple million dollars atthis point.
So, yeah, we did not.
We went through it, we learnedit, we understood that, okay,
there's an opportunity here.
Yeah, we didn't do anythingright then and there, but
looking back, you can't erasethe information too yeah, once
you have it.
So that was one of the things weinvested in ourselves and
that's made us multiple milliondollars.
And it's also we met her inperson, right.
We were exposed Like that wasthe first program that we
(28:21):
invested in, right.
So sometimes it's not going tobe the ROI, like you said
immediately.
Sometimes it's going to be thelearning opportunity.
So continue to invest inyourself Super important.
Speaker 2 (28:30):
This should have been part of number one or two.
Lowering your expenses helpsyou to get to millionaire status
.
Now we if you've heard ourstory before we are not one of
those that we like don't eat thecoffee, don't go out, don't I
don't know, don't do nothing,don't stay at home and do
nothing.
However, are there things thatyou can cut out?
(28:50):
Can you audit your bills?
Have you ever audited yourbills?
Have you looked at all thesubscriptions you got for hulu,
disney, paramount, apple, forall of those?
Can you get on a friend's planand use their stuff right?
Negotiating things you cannegotiate rates with different
people.
You can threaten to leave and alot of companies may lower
percentages, may lower oh, wecan throw in this $30 off a
(29:12):
month.
I remember when I finally wasleaving Sprint I was with I
don't know.
It had to be 15 years, years.
Finally, I was like okay, I'mgoing on a plan with Anthony
AT&T, I'm leaving.
They're like okay, we can giveyou about $35 off, I'm gone, I'm
gone already.
So you know what I mean.
Can you negotiate with thesepeople to lower your cost and at
(29:37):
the same time, like I said, Idon't want you just come back,
cut back on if you had to.
Um, maybe the type of gym notsaying don't work out, but maybe
it's the type of gym you'regoing at a lower cost for now,
or is it?
The amount of vacations is theamount of times you eat out?
You know things.
You can't change your mortgage,your gas to get to work, those
things you can't really change.
Um, but can you negotiate?
(29:59):
Can you kind of really take anaudit of what you're spending on
and cut back on those things?
Speaker 1 (30:04):
You just did that with a medical bill, right.
Speaker 2 (30:07):
Yeah.
Speaker 1 (30:07):
What'd you do?
Can you give them the frameworkof that I?
Speaker 2 (30:10):
said I can't afford what you're asking me to pay.
I told them so it's a medicalbill from July.
We are in April.
Medical bill of July of lastyear for our child, amaya
Insurance, covered what theycovered and there was some
leftover that they were chasingme for.
They've mailed.
I mean, I played this game withAlani as well, so I knew that I
(30:30):
could negotiate um down, and sothey were calling hagging
either.
I answer I won't.
And then I was like, yeah, Ican't afford it.
And they're like, well, we cando this.
I'm like how about this?
And they settled like 50percent less of the bill.
I think the way they see it isat least we're getting something
, because probably most peopledon't pay them.
Like I said, it is April.
I paid these people this week.
I have a child in July.
(30:50):
So we're coming up on a yearfrom them chasing me and I'm
just like, yeah, I'm not goingto pay it.
So negotiating those type ofthings as much as you can is
important.
Speaker 1 (31:01):
Negotiating those type of things as much as you
can is important.
Speaker 2 (31:06):
The medical industry.
When it comes to bills, it'slike the wild, wild west,
because they don't.
Does it not?
Go on your credit or somethingI don't remember, I have no idea
, I don't know, but I just waslike whatever Y'all going to get
it or y'all not.
Speaker 1 (31:15):
The medical space, when it comes to bills, is like
the wild wild west.
They take what they could get.
They Wild Wild was.
They take what they could get.
They'll chase you down but atthe end of the day, tell them
you can't afford it and they'llcut it in half, which is nuts.
Speaker 2 (31:24):
And I think also, when you do that audit in
regards to lowering yourexpenses, you may see that you
don't need that much to live on.
I know we think that we need somuch, but sometimes we really
don't need as much as we think.
But you to even get to thatconclusion.
Speaker 1 (31:40):
So habit number eight lowering your expenses.
Habit number nine making moremoney, raising your income.
Side hustle and starting abusiness.
You know this is where wethrive at, this is where we
shine at.
One of the limits you can do isone of the limits you have in
life is the amount of expenses.
You cannot live on zero, Evenpeople who live without homes.
(32:01):
They have to have some swarm ofincome, but there is no limit
on how much money you can make.
So starting a hustle, startinga business, raising your income,
this is one of the habits thesmall habits that we started
with that has made us millions.
Speaker 2 (32:15):
That was a game changer for us.
It maybe it's small, but it wasa game changer for us.
So while we were paying offdebt, we got and was doing
multiple jobs.
We worked at a gym.
Both of us worked at a gym.
That was about $9 an hour.
Speaker 1 (32:27):
We were doing half the work.
Speaker 2 (32:29):
After our 9 to 5, we worked at a gym.
We were watching Dogs on Rover.
We were renting out our cars onTuro.
Speaker 1 (32:36):
Raise my income.
Speaker 2 (32:37):
This is 2017 to 2018.
These are the things that wedid.
I am a therapist, so I was alsodoing private practice.
My 9 to 5 job was not privatepractice, so this was on top of
that doing private practicingand clients privately.
And then we started ourcleaning business.
Speaker 1 (32:56):
Absolutely.
Speaker 2 (32:56):
I don't know if there's anything else I missed,
but those are the things that wewere doing to raise our income
to pay off the debt, um, to beable to still kind of live some
type of life that we wanted to,and, you know, get this debt
gone to help us to get tomillion or millionaire status
quickly, quicker, another thing,before we even started talking
about paying off debt, we weretalking about paying for the
(33:17):
wedding, and then I also wasflipping sneakers.
Speaker 1 (33:20):
So I was um, buying and selling, reselling sneakers,
and then also I picked up likea door dash job at a week, at
for a week, and then I alsoremember I did the job in harlem
, oh yeah, with the um the ummentally, mentally challenged.
Speaker 2 (33:34):
You were doing it for them, so I worked in
information technology for 15years.
Speaker 1 (33:38):
So back then I went to craigslist and I found an IT
job in Harlem where it was acouple hours after work and I
was helping people set up socialmedia pages, learning Microsoft
Word, and some of them wererehabilitating, coming out of
jail and some of them werementally disabled and they were
just trying to reacclimate tothe workforce and I was teaching
them basic skills that I had inmy job.
(33:59):
So is there?
So are there any skills thatyou currently have at your 9 to
5 that you could get paid foroutside your 9 to 5?
The amount of money you canmake outside your job?
Speaker 2 (34:09):
is limitless.
Sorry, I did the census as well.
You did census as well, Iforgot about that.
Speaker 1 (34:15):
So when we're talking about raising your income.
There are so many things thatyou could do and obviously
you're talking about sidehustles.
So one of the things we did waswe built our cleaning business
and we were able to do that withless than $1,500.
And we built it to almost a $3million remote cleaning business
.
And remember, we were doingthis outside of our jobs, so we
(34:35):
didn't have to go out and cleanhouses.
We built a fully remotecleaning business that was only
$30,000, $40,000, $50,000 amonth outside our 9-to-5.
So you can do the same by goingto
CleanItBusinessMasterclasscom,where we teach you how to start
and scale a remote cleaningbusiness without cleaning your
house.
And if you want to clean houses, that's totally fine.
But again, we built systems, wehired people and then we
focused on marketing.
Speaker 2 (34:56):
And those jobs that I spoke about.
It was helping us to bring inanywhere between $1,000 to
$3,000 a month.
Mind you, we still had our 9 to5 as high-income earners, but
we also had this because we hadthat goal.
Remember, I told you that$114,000 of debt became our
personality, became somethingthat we wanted.
It was like okay, we're goingto pay off this debt, which will
help us to get to millionairestatus, if that's something that
(35:19):
you're interested in.
So raising your income, thereis no, your job, it's your
salary, and maybe you havecommission at your job and
that's that.
There is no, you know.
So you can do, if you have thetime, things outside of your job
to raise that income.
Speaker 1 (35:31):
And I remember when my job found out that I worked
in a gym and they were like whyare you?
You make six figures at yourjob, why are you working at the
gym for $9 an hour?
And I told my manager straightup.
I was like you're limited as tohow much you could pay me.
The end of year raise is goingto be what?
3%?
You know I'm working at the gym.
I can work as many hours as Iwant.
(35:51):
I can do anything I want to doin terms of raising my income.
So I got a debt freedom goal.
That's my goal for myself andmy family and obviously you
could help me with that bygiving me more money, but you
are limited by how much you canactually pay me.
I can make as much money as Iwant outside of my job.
He said fair enough, as long asit doesn't interfere.
And then, even that we wereinterviewing for the gym, they
(36:12):
were like why do you guys wantto work here?
Speaker 2 (36:13):
like yeah, because we're not, we weren't their
average applicants that theywere getting.
It was a lot of college people,college kids and people who
were of stuff, people who wereunreliable yeah, they were there
for a good time.
Speaker 1 (36:22):
Not a long time.
We were there for a short.
We was actually there for along time.
I became a manager at the front.
You could have became the CEOof that gym if you wanted to.
Speaker 2 (36:30):
I became a manager and then finally quit when COVID
hit.
But yeah, that was a time, butwe did what we had to do to get
where we need to go and that'sgoing to be.
That's like how we operate ingeneral, because it has to
happen or it has to happen.
It is what it is.
Speaker 1 (36:45):
So making more money, raising your income starting
outside out.
So you know that's where wethrive at, so you know where to
find us on.
That Link will be below.
Speaker 2 (36:51):
Know where to find us , where we at.
And then habit number 10.
When it comes to this, you know, tithing is something that is
important for us Now, paying offour debt.
We did kind of slow down onthat or we weren't paying.
I don't think we were paying anyof it or it was a lower amount
than the 10% that they say togive.
But once we paid off our debt,we increased that and the money
(37:17):
doesn't necessarily belong to us, right, it belongs to him, if
you believe in that.
So the more that we're able togive, the more we see back,
right?
So if you I know a lot of us islike it's my money, I work for,
it, understood, but without himyou wouldn't have that money.
So we're big on making surethat we can give back as much as
possible.
You know, being able to provideto a friend I think we had a
(37:41):
friend their mother's homeburned down we were able to give
a substantial amount.
So being able to kind of helpothers is important for us.
When it comes to you knowmillionaires and the reason that
you want to get to that rightLike you want this money to do
what?
Like to help others more thanlikely or help people around you
.
So that's something that isimportant to us.
Speaker 1 (38:02):
Money is a money's a resource.
Resources are meant to be movedaround.
Resource is not meant to behoarded.
So if you are hoarding yourmoney, it can't grow.
Right, when people talk aboutyou know having a closed fist,
you can't grow anything withthat closed fist.
So when you have money, yourgoal is to deploy it.
Deploy it in yourself, deployit in investments and deploy it
(38:27):
into others.
Deploy it into other resourcesso that it could continue to
grow.
Money always comes back to youand if you keep deploying it, it
will always come back to you.
Now I'm not saying give awayyour money, but it's meant to be
a resource, treated as such.
It is not meant to be hoardedand this is coming from someone
who hoards or used to hoardmoney.
Right, I used to be very closedfist.
You know I'm not doing anythingwith it and it's like now let's
(38:47):
throw it away, let's invest it,let's grow it.
Speaker 2 (38:50):
Let's share it and then like true wealth is like
what you can give right, socharities or family or friends,
and however you can help, thosetype of things just feel good.
And I think that's the wholepoint of getting to a certain
point for most of us maybe noteverybody, but for most of us.
Speaker 1 (39:06):
So it's like the three goals is to make a million
, the goal is to save and investa million and a goal is to give
a million.
And that's that's, like youknow, grand goals.
Speaker 2 (39:18):
Imagine if you're able to give away 1 million
dollars a year how much moneywould you have to make in order
to do that?
Speaker 1 (39:24):
right.
So you have your personal goals, you've got your professional
goals, and then you've got yourspiritual goals, and that could
be giving it away to charities,friends, family, investors,
whatever it is so you're able todo that.
So that was one of the habitsthat we still practice today.
Speaker 2 (39:39):
That's made us millionaires.
Speaker 1 (39:44):
And millionaires and your bonus that you want to give
away at the beginning.
Now's your time of my time, sothis one was just focused on the
small victories.
I know we talked about, youknow, the the 10 small habits
that you know.
Anybody can practice.
Anybody can do any of these 10things that we spoke about.
This one is to enjoy the ride,reflect and and take in any tiny
wins.
So focus on the small victories, not just the big ones.
(40:05):
And this habit changes the morebigger your goals become,
because we just hit a big goaland I said it before that it was
just like, okay, cool, allright, we moved on.
But I want to always remindpeople just to focus on the
small habits.
We pray to be here, so youcelebrate each win paying off a
single credit card, getting yourfirst client in your business,
picking up that first sidehustle, starting something on
(40:27):
the side.
We want you to startcelebrating those wins, no
matter how big.
And this one, I added, becauseI think in our community one of
our students was saying oh um, Ifeel like I'm moving slow, or I
feel like I'm going slow andI'm like comparison.
I was like slow compared to who.
Speaker 2 (40:40):
It's like you're comparing yourself to other
people so you don't feel likeI'm moving slow or I feel like
I'm going slow and I'm likecomparison.
Speaker 1 (40:43):
I was like slow compared to who.
It's like you're comparingyourself to other people, so you
don't feel like you're makingany progress.
And I know, with social mediaand a digital age, we got a lot
more things that we can compareourselves to.
But I want you to compareyourself to where you were
yesterday and not where everyoneis that scene today.
Speaker 2 (40:58):
Yeah, and I think weekly celebrations is important
.
I'm not saying going out andspend every time, but, like in
our community, we do a Wednesday, a Wednesday Wednesday, and we
do it every single week and weget tons of comments.
I think it's also a place tojust remind yourself.
There are things happening,there's progress that you're
making.
You're probably just notrecognizing it, you're probably
just not showing it for yourself.
(41:19):
So can you do that in your dayto day?
Can you do that when it comesto this journey?
You know, writing down thosewins that you have, big or small
, whatever it may be.
And financial independence is amarathon and not a sprint, right
?
So for us, paying off the debtbecame a sprint, but then the
financial independence of it all, being able to have assets,
(41:40):
being able to purchase homes,those type of things we knew
wasn't going to happen rightaway, but it was something that
was a focus of ours.
So that's what we work towards.
So we hope these tips help you.
You know, for those of you thatare looking or just wanting to
listen in on, what does it meanor what does it look like to
even start to become or worktowards being a millionaire
(42:01):
right, it doesn't happenovernight.
You have to implement things,you have to do things to get
these things in place, and I'msure there's more we could dig
into about investments and stuff, but that ain't my lane so I
ain't going to really talk aboutthat much.
Speaker 1 (42:13):
But we want to talk about the things that everybody
could do.
You don't need to have money todo any of these habits that we
spoke about.
So we went over uh number onechecking your money daily.
Number two managing your moneydaily.
Three reviewing your goalsweekly, monthly, paying off debt
, learning something everysingle day.
Get around like-minded peopleinvesting in yourself, lowering
(42:34):
your expenses, raising yourincome, helping others and
taking time to reflect the smallwins.
Any single person will listensto this episode.
These are the 10 small habits,with the 11th being the bonus
that we implemented that helpedus become millionaires that
anybody could do right.
Speaker 2 (42:49):
So can you do any of them this week?
Maybe it's one a week, maybeit's one to two a week.
Can you start small and kind ofjust grow from there?
Speaker 1 (42:56):
Put something in the show notes.
Let us know what you guysthought.
Subscribe to our page.
Comment.
What was your biggest takeaway?
What is something you're goingto implement this week, this
month, this year?
Any one of these small habitsthat you are adding to your
routine, and we'll see you nexttime.
Thank you, peace.
Think about what you're talking about.
Think about what you'reconsuming, think about the
conversations.
Think about what you guys areengaging with.
Think about what you guys arelearning from each other.
Think about that.
So you are the average of thefive people you hang around the
most.
So if you say I'm hangingaround four broke people, you
(00:21):
know who's gonna be the fifth.
Welcome to another episode ofthe more than a silo podcast,
where we help non-defilerscreate more impact, income and
influence outside their jobs.
(00:42):
My name is anthony and I amginoka.
Speaker 2 (00:44):
We want to thank you for coming back and listening to
us week after week or everyother week.
However, you're listening to usand wherever you're listening
or watching, because we alsohave full videos on YouTube.
So what are we talking abouttoday?
Speaker 1 (00:55):
Today we're talking about how we went from 114,000
dollars in debt to millionairesusing these 10 simple habits.
Speaker 2 (01:02):
And I'm just going to say, on top of that, many of
you I don't know if some of youcame along in this journey
during that time when we weretalking about our debt payoff
story.
You came along during thecleaning business time, but it
kind of all comes togetheranyway.
Speaker 1 (01:16):
Yeah, and this is not going to be more about debt
freedom.
This is going to be more aboutsharing the wealth building
secrets that literally anybodycan use, and also our small
daily habits that compounded andchanged our lives, and most
people overlook some of thesestrategies we'll be talking
about today.
Speaker 2 (01:31):
You said you wanted to talk about some tariffs.
Speaker 1 (01:34):
No, we're not talking about tariffs.
So stay to the end for a bonushabit.
That I promise you hasaccelerated our journey and
these 10 or 11 habits couldchange your financial future yep
, starting with the first one,wait what number one, number one
, number one, number one, numberone.
I want to before.
This is actually now.
This is a bonus one.
We got to talk about how yougive it a bonus at the beginning
(01:55):
, the bonus at the beginning.
So let me see, let me see letme see.
Speaker 2 (01:59):
I thought it would stay to the end for the moment
all right, cool, go ahead.
Speaker 1 (02:03):
What I'll get into that one, I'm gonna add it to
another.
Speaker 2 (02:06):
I just thought about one as we were getting started,
okay so the first, the firsthabit that we had is checking
your money and net worth daily.
So how do you know where you'regoing if you don't know where
you're at is the biggest thing?
Um, and you may be like what isthe net worth first of all?
Can you just, can you explain?
Speaker 1 (02:22):
Yeah, your net worth is what you own minus what you
owe.
Yeah.
Speaker 2 (02:27):
So checking your check-ins account, you're having
awareness tracking it.
If it's every morning, if it'sduring lunch, your savings,
keeping track of that type ofstuff.
It may be another way for youto even know what's happening if
there's any fraud or anythinghappened on your account, if
there's any fraud or anythinghappened on your account.
But checking your spending andnet worth daily helped us to see
(02:47):
where we were going, how closewe were, how far we were and
also I think it's important manythings that you may not think
about can be part of your networth as well.
I think most people think abouthouses and then your bank
account, but there's alsojewelry would be part of your
net worth.
What else would you include inthat?
Your car could be part of yournet worth.
Speaker 1 (03:06):
What else would you include in that your car could
be part of your net worth, yourjewelry, like you said,
obviously, your investmentaccounts, your bank accounts,
anything that would beconsidered an asset, something
you could sell.
I wouldn't go into littlethings like your computer and
stuff like that, unless you gota $10,000, $20,000 computer or
studio equipment or somethinglike that.
That could be part of your networth as well.
So we thousand dollar computeror studio equipment or something
(03:29):
like that that could be part ofyour net worth as well.
So we have a little section formiscellaneous that we have for
our watches and some jewelry,but, um, anything that you own,
minus what you owe, would beyour net worth, and what are
some of the, the habits that weuse to do that.
So one of the things we talkedabout was obviously checking
your money every single day, butyou could use apps to do that
so you could check your networth.
Um, using personal, personalfinance, personal capital.
Mint was another app.
(03:50):
You could use every dollar tojust manage your money and
that's something that you stilldo to this day.
Like I will wake up and you'lljust be logged into the account.
Speaker 2 (03:58):
I'm like, yeah, good so, yeah, you, you know it's
like are you good?
I'm like I'm.
I just like to keep, sincewe've been doing it now since
2017, so we're closing what?
Eight years now.
It's become part of oureveryday.
So I just like to keep tabs onthe money, make sure not make
sure the money is still there,but just see where it's going.
If there's something I noticedthere that I don't know about,
(04:18):
I'm like or know where it camefrom, like hey, from like hey,
is this you?
So it just helps us to keeptrack of that type of stuff, and
it's motivating to see your networth grow, very motivating for
you to see a number similar tolike when you're losing weight.
Very motivating to see thenumbers dropping, um.
So that's the reason why we saycheck your net worth and with
these uh apps that you mentioned, I think like personal capital,
you basically just connect allof your bank accounts to this
(04:42):
website and it kind ofcalculates everything together.
We're talking Roth, ira, 401k,everything.
You connect all your bankaccounts and investment accounts
that you have and it can helpyou to show you what your net
worth is currently and thenadding in houses and all the
other things that you have goingon.
Speaker 1 (04:58):
Now I might say not to check your bank, not to check
your net worth during this time.
You want to check your bank,not to check your net worth
during this time.
You want to check your bankaccounts, you want to check your
saving, you want to check yourinvestment stuff, like you want
to check those things, but don't, maybe not check your net worth
during this time, because youmight be a little sad right your
401k drop, you know, 10, 15 youmight be, you might be po'd
(05:19):
about it, might be pissed offabout that.
So maybe you don't check thatduring this time.
Um, which leads me to numbertwo, which is different from
number one.
We said checking your money innet worth daily.
Now it's about managing yourmoney, um, using an app.
One app we used during our debtfreedom journey was the every
dollar app yeah, and we stilluse we still use to this day.
So we use that for zero basebudgeting, which means that at
(05:42):
the end of every single monthyou know exactly where your
money went, and your budgetshould be pretty much zeroed out
.
Yeah.
Speaker 2 (05:49):
When we started budgeting because we were
spending money, I would say,responsibly.
But when we started budgeting,we started to see that we had
like, oh, $1,200, $800 left overBecause, as he said, it's a
zero-based budget, which meansthat you budget every single
item.
So maybe you know debt, payoff,ubers, brunch, whatever You're
budgeting every single dollarthat comes into your account.
(06:11):
And when we started budgeting,we saw money left over and that
helped us to throw it towardsthe debt, the leftover money.
I say it like this because itis money that had to go
somewhere and we were spendingit somewhere before we started
budgeting.
We just didn't know where orhow, and the budget allows you
to see.
You had a saying aboutbudgeting.
Speaker 1 (06:28):
We used to say budgeting is telling your money
where where to go, instead oftelling so you get you know
where it went, say that again,so budgeting is telling your
money where to go instead ofwondering where it went.
Speaker 2 (06:38):
Okay, yeah.
So that's just important.
If you're not budgeting, Ihighly recommend that you do so.
No matter how much money youhave coming in, every company
and the business, everyoneshould be budgeting in some, in
some capacity.
So I think, like with anything,as you start to do these habits
, it becomes part of yourroutine, it becomes part of your
daily life.
It becomes exciting.
(06:59):
I know there's some timesyou're like, oh, maybe you
become becoming a negative,maybe something happens.
But budgeting it became like agame and important for us to do
because it helped us to knowwhere our money was going.
Same thing with the net worth.
It helps us to be motivated, um, to continue to do it and know
and be excited about it, right.
So I highly recommend to budgetand over time it just becomes
(07:22):
part of your life and I'm partof who you are and, if you don't
know, every dollar is owned byDave Ramsey and his team.
But there's tons of otherbudgeting apps.
Speaker 1 (07:30):
Yeah, there's tons of apps you can use, but that was
the most simple one for us.
It fit our lifestyle, it waseasy to use and obviously he's
the budgeting goat.
And if you guys don't know, Igot my Dave Ramsey signature
book right here, total.
Speaker 2 (07:42):
Money Make Signatured book right here, total money
makeover From his team and wewere on the debt freedom screen.
Speaker 1 (07:47):
Thank you, Thank you for being on our team Once we
became debt free and it saysThank you millionaires.
So we got that from Dave Ramseyand his team.
So shout out to those guys.
And this is the Total moneymakeover book.
Speaker 2 (08:00):
Is that the redo?
Speaker 1 (08:01):
Yeah, oh okay, he did it a few times, so shout out
Dave Ramsey, his team, that's myguy.
Listen to him earlier today too, you know, him personally.
Yeah, literally Okay.
I'm going to call Dave rightnow like yo, what's good how you
doing.
Speaker 2 (08:13):
Doubt it, but okay, the third habit that we have is
review your goals weekly andmonthly, which these first three
just is reiterating that youneed to be looking at your money
, you need to be payingattention, you can't set it and
forget it.
It's not one of those things Ithink, especially when you're
first starting out.
You can't just set it andforget it.
There may be a time where itbecomes automatic and things are
(08:35):
just flowing and stuff likethat.
But reviewing your goals weekly, monthly.
When we were paying off ourdebt, it was part of our
conversation, probably every day, probably every day, and then
slowly, weekly, monthly.
To this day Now, we still domonthly check-in on our goals.
We do quarterly check-ins onour goals.
So definitely kind of keepingit visual is important because
(09:00):
you know, like, like you have achecklist, the same way that you
, you prioritize that when yousee it every day, when you write
it down, it will be the samething for your money, for you to
get closer to that.
You know millionaire status andyou may be thinking.
Speaker 1 (09:12):
I got to set up a long meeting to do this, like
this one here, reviewing yourgoals every single week.
But you could do a 30 minutecheck-in with yourself,
especially if you're you know,solo or you're individual you're
you know solo or you'reindividual, you're not a couple,
whatever it is you can do aquick 10, 15, 20 minute check-in
just to review are you gettingcloser to your goals every
single week?
Again, this kind of goes backto if you don't know where
(09:32):
you're going yeah, and it's likewhat's working, what's not.
Speaker 2 (09:36):
It also helps you to kind of maybe celebrate yourself
a little bit.
Now, if you're going towards,you know, millionaire status,
you don't want to go buy a carto celebrate yourself and making
progress.
But what little things can youput in place to celebrate these
small wins, because nobody justwants to do, do, do and not, you
know, be celebrated and beexcited about it.
(09:57):
So if that's a goal of yours,you're working towards that,
making sure that you arecelebrating by also reviewing
your goals all the time.
Speaker 1 (10:04):
So how about number four?
Pay off that debt now?
People ain't gonna agree withthat this is a.
This is a uh this is one of theones that people always debate,
like oh, if you a millionaire,you need to have good debt
versus bad debt I don't saythere.
I don't give my debt apersonality.
Debt is debt, whether it makesme money or whether it loses me
(10:25):
money.
Debt is debt, right.
So people will say, well, Itook out debt in order to make
more money, that's great, it isstill debt.
Well, I took out money and Igambled with it, that is great,
it is still debt.
So you may be thinking, oh God,no, go ahead.
I was like you may be thinking,thinking well, the debt that
made me money is that consideredgood.
Debt doesn't have a personality.
Debt doesn't have a trait.
(10:46):
Debt is debt that means moneythat is old, essentially.
So, regardless if it makes youmore money or loses you money,
it is still debt.
So once we understand that, wecan understand with it.
Now there may be people likeI'm going to invest in this
business and it's going to aretrying to get to that
millionaire status and may notmake the most amount of sense go
(11:07):
take out a huge line of creditor take out a huge amount of
debt in order to get there a lotfaster, because obviously
there's some challenges that wegot to get around managing our
money, especially in ourcommunity.
We have to be able to manageour money before God gives us
more.
There's a reason why we don'thave more money than we actually
have because we haven't managedthe money that's currently in
front of us.
Speaker 2 (11:28):
And I want it to be realistic and you got to be
realistic with yourself.
The percentage of Americansthat can actually do that in
regards to borrowing debt, payit back on time and all that
type of stuff to make more moneyis very low.
And it may not be you, andthat's okay, but I don't think
people are very realistic whenit comes to that.
When it comes to the creditcards and the debt, like you
(11:48):
said, of like I'm going to dothis to make more money, many
people cannot manage that and welive in a society where we
think we can, but most of uscannot.
So how do you kind of managethat?
Paying off your debt?
We paid off $114,000 of debtand that was our personality.
As people say, this has becomeyour personality, absolutely.
Was we spoke about it witheveryone, didn't I say he was
(12:11):
recording?
Oh, no, you wasn't.
We spoke about it with everyone.
We had it on our fridge.
It was visual for us.
We spoke about it on podcasts.
We made content around it.
So it became our world, becauseit was the thing that we wanted
to do and we knew that wewanted to do that, and the
method that we used was asnowball method.
Sorry, can you explain a littlebit of what that is?
Speaker 1 (12:37):
Yeah, debt snowball means that you are putting your
smallest debt first, and thereason you do that is because
you're going to be buildingmomentum.
So let's say you got a $1,500credit card and you got a
$15,000 credit card, you'regoing to start with the smallest
debt first, no matter theamount of interest.
Where you might be saying, well, the smaller credit card, the
larger credit card with thesmaller interest, I'm going to
focus on that one becauseinterest is lower.
But this is more about momentum.
So if you're seeing yourself,okay, I'm paying this fifteen
(12:58):
hundred dollars off quickly,you're going to be more excited
to move on the next one versusstarting with the fifteen
thousand dollar credit card.
And now you're like this istaking me forever.
So the debt snowball is a gameof momentum.
The avalanche is the completeopposite.
You put the largest to thesmallest and you work your way
down like an avalanche.
You start with the big snowballand it rolls its way down, or
you take the small snowball andyou roll it up.
(13:19):
So those are the differencesbetween the two and we use the
debt snowball method because ourpersonality, we need those with
that momentum, we need thosequick wins and we need it to be
able to celebrate, so highlyrecommend it and every extra
dollar, like we spoke about thatleftover money, went towards
that.
Speaker 2 (13:34):
Like, if you're serious about this, if this is
something that you want to do,can you put the extra money that
you have once you've budgetedeverything, once you budgeted
your fun time, once you budgeted, budgeted everything, your
essentials can you put thisextra money towards that to kind
of get the process rollingquicker.
The longer that you take, theless likely you probably are to
continue because it feels likeit's taking too long.
(13:55):
You know, just like withanything, if I'm, if I don't
feel like I'm gaining anything,it's kind of like what's the
point, right?
So if you can be aggressivewith it as much as possible,
that would help you to continueto want to pay off that and to
reach that goal of paying it off.
Speaker 1 (14:10):
Yeah, and debt is more.
It became more psychologicalfor us.
It was like this is somethingthat we want to do.
And it became less aboutfinancial, because when we first
started, you were like, listen,everybody's in debt.
Why are we doing this?
It's not a big deal.
Well, like she said, a littlelater, this became part of our
personalities Like we want toget to this goal.
We want to get there fast.
We didn't want to drag it onand it became more of a mountain
(14:34):
that we wanted to climb.
It became a game.
It became something that wewanted to overcome and
accomplish so that we couldcheck that off right.
So that's definitely somethingthat you want to do.
Like I said, these are smallhabits that we created in order
for us to become millionairesno-transcript.
Speaker 2 (15:07):
Where can I now put this $3,000 that I was putting,
or the $500 that I was putting?
Can I put it in investmentsaccount?
Can I put it?
Can I get a property whichthat's something that we did,
you know?
How can you then utilize thatmoney once you're able to put
that?
Speaker 1 (15:18):
debt aside.
So think about it in that waythat first month we paid off our
debt was december 2019, goinginto january no november going
into jan december number 20.
Speaker 2 (15:28):
When did I turn 30?
Speaker 1 (15:30):
I don't know well that first month, that 2018,
december 2018, we paid off ourdebt yeah, so that first month
where we didn't have that debtpayment it was like five
thousand dollars that we had todo whatever we want extra money
extra money that we were puttingtowards debt aggressively now
became our money right, so wetook it.
We were able to.
I think that first month we didhave some fun with it, but
(15:52):
after that it's like, okay now,yeah, what a bag.
You did buy a bag which is notan asset, but neither here nor
there it can be an assetactually if you look at it
birkin is not the only bag thathas assets we can't resell.
I go to right to canal streetand get another one of those you
go to canal and get a birkintoo.
Speaker 2 (16:09):
That don't mean nothing.
The point is, it doesn't haveto be an asset.
Okay, the point is that wecelebrated once we paid it off
and we had this extra money thatwe were throwing towards that,
that you can now do whatever youwant with it.
Speaker 1 (16:22):
Essentially, yep, yep , yep, which takes us to habit
number five investing inyourself, so learning something
every single day.
Speaker 2 (16:31):
Now I'm gonna be honest, and I'm gonna lean on
you for this one, because I donot say that I actually learned
something new every day.
I don't consume well, I don'tconsume the same things that you
consume, so this is more of athing that you have done and
excelled in, to be honest, yeah,so I'll say five, six and seven
are around mindset habits.
Speaker 1 (16:51):
So we talk about number five learning something
every single day, day.
So I became committed tofinancial education.
This was a path we were on.
You brought it home, so Iwanted to consume as much
information, right?
So I like, I said, the daveramsey book.
I got tons of financialliteracy books here.
I wanted to learn about payingoff debt.
I wanted to learn aboutinvestments.
Speaker 2 (17:09):
I wanted to take his class we took his financial
peace class you want to talkabout that exactly what that was
so financial peace is just likea workshop to kind of go hand
in hand with his book and thethings that Dave Ramsey teaches,
and we started with listeningto his methods.
Now, we didn't followeverything to the T, but we are
here because of what he spokeabout his show, hearing the debt
(17:30):
freedom scream from differentpeople that motivated us to get
into just paying off debt andmillionaire status and things
like that.
So Financial Peace Universitywas a way for me to kind of give
a offering to say like, okay, Iknow you're consuming this and
this is a way that we can dothis together.
Did we go in knowing a lot ofthe stuff that he was teaching?
(17:52):
Yes, but it was something forus to do together, be serious
about it.
Like we cut up our credit cardsin that class accountability.
It was just something you knowas a married couple as well that
helped us to get on the samepage.
So, even though I may I was notlistening to the podcast, I
still was gaining informationthrough that or things that you
were bringing home and sharing.
Speaker 1 (18:12):
So yeah, so learning something every single day, like
you said, coming home, sharingwith the family, so we all are.
If you are commuting, you're ona train, you're on a bus,
you're in a car what are youdoing during that time?
Can you use that to change yourfinancial situation?
I was listening to a podcastand this guy said I got into
(18:32):
real you make this guy he was.
I got into real estate because Iwas listening to a podcast.
He ended up a lot of the thingsthat we were listening to
during that time.
Speaker 2 (18:41):
Yeah, it's crazy that we ended up being on those same
, like his and her money I don'teven his and her money, I'm
sure is still around, like wewere on that podcast at the very
beginning.
So we kind of found our tribeof people, especially when we
started to share and just peoplethat were doing the same thing
or just interested in the samething.
So finding that tribe of peopleI think is important Once you
(19:02):
start to get the information,getting around people that maybe
want to do the same thing asyou.
For us, we had each other Iwouldn't say necessarily like
our closest friends were doingthe same thing, but over time
some of our closest friendsdecided to pay off their debt.
So I think just being aroundother people is important when
it comes to you know you a goalthat you have in mind being
(19:25):
around like-minded people yep,so that is habit number six
you're around like-minded people.
Speaker 1 (19:32):
Oh it, it is.
Didn't realize that?
Yeah, so you're the average ofthe five people you spend the
most time with, and that is atrue enough statement.
Think about the average fivepeople you spend the most time
with.
Think about what you're talkingabout, think about what you're
consuming, think about theconversations, think about what
you guys are engaging with,think about what you guys are
(19:57):
learning from each other.
Think about that.
So you are the average of thefive people you hang around the
most.
So if you say I'm hangingaround four broke people, you
know who's gonna be the fifth.
She looked at me like ain'tgonna be me.
So more than likely, you'regonna be the fifth.
You hang around fourmillionaires.
(20:17):
You know who's gonna be thefifth one.
More than likely you, it'sgoing.
It's almost impossible to hangaround people at a certain level
who have these goals and nothave any of that stuff rub off
on you.
Yeah, this is why I havedifferent circles, right, I got
my friend circle.
We talk about sports and we gotthose things.
I got my people who areentrepreneurship got people in
business.
I got people who are, who arefathers and husbands and stuff
(20:39):
like that.
So you have to have I'm notever going to say you got to cut
your friends up, but you got tohave different circles that
you're always able to you wantto be the smallest person in the
room?
yeah, when you talk aboutcircles like that, you want to
be the smallest person in theroom if you talk about consume
it, you talk about relationships, you're like that you want to
be the smallest person in yourroom so you can consume it.
If you talk about relationships, you're like all right, I want
to be around people who've beenmarried 15, 20, 25 years.
(20:59):
What can I learn from them?
I want people who have kidsthat are damn near my age right,
10, 12.
Speaker 2 (21:05):
Well, that's too far ahead.
That's too far ahead.
Speaker 1 (21:08):
I want to have versions of success that I can
see.
Yeah, I want to have versionsof success that I can see.
All right, they've been marriedfor 50 years, 30 years, and
their kids are 20, 25, and theyseem like pretty decent humans.
What did they do in theirupbringing so that we could
teach our kids?
Speaker 2 (21:23):
And that may be changing your social circles or
just maybe adding on to itfinding it right.
So a lot of times you know wedon't grow up or we haven't at
least us people that look likeus haven't grown up, maybe with
an entrepreneurship mindset orjust getting out of debt.
That's not something that we'rereally taught about.
Like he said when we first,when he first brought it to my
(21:44):
attention, I'm like well,everybody had debt.
Like why are we trying to getout of it?
What's the point?
Maybe you just never heard ofit, like you've never even
thought about it, and now it's apossibility for you.
So those things sometimes youhave to get around different
people, which is hard in itself.
But if you're serious aboutmaking a change in your life,
whatever that looks like um, yougot to do it.
I mean, that's why people haveaccountability partners, that's
(22:06):
why people get trainers in thegym.
That's what people you know geta partner for the gym, because
maybe you've never done thatthing.
You're like the support ofother people helps you to keep
going and that was important forus and in anything that we do,
we look for that.
Like is there?
There's nothing that we'reinventing at this point in life.
I don't think another Amazon iscoming around, so there's
(22:27):
nothing that you're probablyinventing.
So someone is out there doingthat thing.
Can you get around them?
Can you consume their podcast?
Can you go to a workshop,anything like that, to be around
them?
Speaker 1 (22:37):
so so habit number seven investing in yourself, so
which the highest?
Return on investment is goingto be yourself.
So there's this, there's thisquote that people say the s&p
500 is the highest return oninvestment but they say the sme
500, meaning you're investing inyourself.
It's kind of like corny, but Iain't never heard that in my
life.
Sme like, instead of investingin the SMP, the index fund,
(22:59):
you're investing, I get it itwas like Alex Hermosi or
something like that.
Sme 500 it's corny, but it makessense, right?
Your highest investment thatyou can make is probably going
to be returned on yourself, so,instead of trying to invest in
something else, investingyourself.
So your own skills, your ownknowledge, your own teaching and
one of the biggest habits thathelped us become millionaires
(23:20):
was investing in ourselves.
So spending money on coaching,spending money on courses,
spending money on conferences.
We could even talk about oneconference.
We spent what four thousand,probably five thousand dollars
all in to a conference, and thatthat was um the EYL event.
Speaker 2 (23:37):
Oh, that's it into the VIP.
Yeah, yeah, yeah.
Speaker 1 (23:39):
And that returned networking opportunities, where
we were sitting in a room withmillionaires and billionaires,
um, getting around them, andthen also the people we work
with on the back end.
And then the long term form ofit, right so, connecting with
(24:02):
people just on a proximity,speaking of you wearing a shirt
too, so oh, yeah, yeah, Ihaven't worn a shirt in a really
long time right.
So we spent almost fivethousand dollars investing in
the vip experience probably morethan that investing in a vip
experience in total, yeah and itwas like that return on
investment was unmatched.
just by being in a room gettingour names out there, people's
like, oh yeah, I know you guysfrom social media and it's down
in thirds and connecting withpeople.
Speaker 2 (24:16):
Now, it doesn't have to necessarily be at that scale
but can you invest in some typeof way.
Generally we have no problem.
We see college as a way ofinvestment for us.
We have no problem, and that isthousands of dollars.
More than half of us is in thattype of student debt.
We student debt.
(24:41):
We see that, we understand thatbecause that's been ingrained
in us.
But are there other things thatwe can do that will help us to
grow financially, maybe to helpus grow socially?
Just knowledge, all those typesof things that we don't
consider, I think is importantas well.
Speaker 1 (24:48):
I was talking to my guy literally just came up to I
was talking to my guy, andre CHatchett Shout out to Andre,
mobile notary genius we weretalking about.
He showed me a comment ofsomebody saying oh, I can't
invest in your stuff because Igot to save up for it.
Speaker 2 (25:02):
No, they were like.
Speaker 1 (25:03):
I can't see myself investing in your stuff or
something like that.
But I told them I was like, ifyou had the opportunity to buy a
Lamborghini for $10,000, wouldyou buy it?
Would you do it?
No, because you thinksomething's wrong with it.
All right, let's say nothing.
That's number one.
So let you know the value.
That's value, right.
You put a value to it.
So you know the value of thelamborghini's like, why is it
(25:23):
only being sold with tenthousand dollars?
Let's say nothing was done toit and you didn't have ten
thousand dollars, would you beable to get it absolutely?
Speaker 2 (25:31):
why?
Because it's a sale to me.
Speaker 1 (25:33):
To me, it's like a sale, exactly so if the
Lamborghini is $10,000 and youknow for a fact that it's worth
$250,000,.
You will find the money.
Speaker 2 (25:41):
Is that how much?
They call $150,000.
I was just wondering Jesus.
Speaker 1 (25:45):
But that's what you do on investing and stuff.
You will find the money, youwill find the opportunity.
You would take out a loan, youwould do everything in your
right mind to find that $10,000to buy that Lamborghini.
Because the problem is youdon't see the value in the
opportunity most of the time.
So, investing in yourself, youhave to know the value of the
(26:07):
opportunity.
And I just literally toldsomebody like my investment of
$10,000 that we had made it wasno guarantee.
There was no um course.
There was no.
At the end of this, you'regoing to make a million dollars.
It was just you get access tome and that was it.
It was $10,000 and I paid itand that investment.
I just told him that yourinvestment made us over a
(26:28):
hundred thousand dollars.
But there was.
There was nothing like I knewthe value of what I was
investing in, because I knewwhere we wanted to get to.
So when I say one of the habitsthat made us millionaires had
been investing in ourselves, wedo it time and time and time
again and we continue to do ityeah.
Speaker 2 (26:44):
So when we started out maybe it looked a little
smaller the amount we're able toinvest and the people we were
able to be around.
But as we continue to grow andmake more money, we understood
that the kind of way we speakabout the marketing type part of
it is like we put money in andwe, more than likely we may see
we're going to see a return.
Now the return may not alwaysbe financial and I think that's
(27:05):
something that most people lookfor, like if it's not financial,
they don't find the value.
But we always assess the thingsthe coaching programs and
things that we're a part of,like did we get something from
it?
Did we get something from it?
Did we implement it?
Did they ask the question Isthere any data?
Is there something we couldhave gotten from it that was of
value for us?
And 97% of the time there is,there is some type of value.
(27:29):
So investing in yourself isimportant and you should
continue to do it.
It doesn't stop right.
It's important and you shouldcontinue to do it.
It doesn't stop right.
You should continue to investin yourself.
Speaker 1 (27:36):
And that goes back to one of the first investments we
made in a program was at ahigher level, over $1,000 was
Daniel Leslie and I think thatwas what $2,400, $2,500 or
something like that and we didit Maybe, yeah, but the problem
was we did nothing with theinformation at the time.
But looking back, gettingexposed to the industry has made
(27:58):
us multiple million dollars atthis point.
So, yeah, we did not.
We went through it, we learnedit, we understood that, okay,
there's an opportunity here.
Yeah, we didn't do anythingright then and there, but
looking back, you can't erasethe information too yeah, once
you have it.
So that was one of the things weinvested in ourselves and
that's made us multiple milliondollars.
And it's also we met her inperson, right.
We were exposed Like that wasthe first program that we
(28:21):
invested in, right.
So sometimes it's not going tobe the ROI, like you said
immediately.
Sometimes it's going to be thelearning opportunity.
So continue to invest inyourself Super important.
Speaker 2 (28:30):
This should have been part of number one or two.
Lowering your expenses helpsyou to get to millionaire status
.
Now we if you've heard ourstory before we are not one of
those that we like don't eat thecoffee, don't go out, don't I
don't know, don't do nothing,don't stay at home and do
nothing.
However, are there things thatyou can cut out?
(28:50):
Can you audit your bills?
Have you ever audited yourbills?
Have you looked at all thesubscriptions you got for hulu,
disney, paramount, apple, forall of those?
Can you get on a friend's planand use their stuff right?
Negotiating things you cannegotiate rates with different
people.
You can threaten to leave and alot of companies may lower
percentages, may lower oh, wecan throw in this $30 off a
(29:12):
month.
I remember when I finally wasleaving Sprint I was with I
don't know.
It had to be 15 years, years.
Finally, I was like okay, I'mgoing on a plan with Anthony
AT&T, I'm leaving.
They're like okay, we can giveyou about $35 off, I'm gone, I'm
gone already.
So you know what I mean.
Can you negotiate with thesepeople to lower your cost and at
(29:37):
the same time, like I said, Idon't want you just come back,
cut back on if you had to.
Um, maybe the type of gym notsaying don't work out, but maybe
it's the type of gym you'regoing at a lower cost for now,
or is it?
The amount of vacations is theamount of times you eat out?
You know things.
You can't change your mortgage,your gas to get to work, those
things you can't really change.
Um, but can you negotiate?
(29:59):
Can you kind of really take anaudit of what you're spending on
and cut back on those things?
Speaker 1 (30:04):
You just did that with a medical bill, right.
Speaker 2 (30:07):
Yeah.
Speaker 1 (30:07):
What'd you do?
Can you give them the frameworkof that I?
Speaker 2 (30:10):
said I can't afford what you're asking me to pay.
I told them so it's a medicalbill from July.
We are in April.
Medical bill of July of lastyear for our child, amaya
Insurance, covered what theycovered and there was some
leftover that they were chasingme for.
They've mailed.
I mean, I played this game withAlani as well, so I knew that I
(30:30):
could negotiate um down, and sothey were calling hagging
either.
I answer I won't.
And then I was like, yeah, Ican't afford it.
And they're like, well, we cando this.
I'm like how about this?
And they settled like 50percent less of the bill.
I think the way they see it isat least we're getting something
, because probably most peopledon't pay them.
Like I said, it is April.
I paid these people this week.
I have a child in July.
(30:50):
So we're coming up on a yearfrom them chasing me and I'm
just like, yeah, I'm not goingto pay it.
So negotiating those type ofthings as much as you can is
important.
Speaker 1 (31:01):
Negotiating those type of things as much as you
can is important.
Speaker 2 (31:06):
The medical industry.
When it comes to bills, it'slike the wild, wild west,
because they don't.
Does it not?
Go on your credit or somethingI don't remember, I have no idea
, I don't know, but I just waslike whatever Y'all going to get
it or y'all not.
Speaker 1 (31:15):
The medical space, when it comes to bills, is like
the wild wild west.
They take what they could get.
They Wild Wild was.
They take what they could get.
They'll chase you down but atthe end of the day, tell them
you can't afford it and they'llcut it in half, which is nuts.
Speaker 2 (31:24):
And I think also, when you do that audit in
regards to lowering yourexpenses, you may see that you
don't need that much to live on.
I know we think that we need somuch, but sometimes we really
don't need as much as we think.
But you to even get to thatconclusion.
Speaker 1 (31:40):
So habit number eight lowering your expenses.
Habit number nine making moremoney, raising your income.
Side hustle and starting abusiness.
You know this is where wethrive at, this is where we
shine at.
One of the limits you can do isone of the limits you have in
life is the amount of expenses.
You cannot live on zero, Evenpeople who live without homes.
(32:01):
They have to have some swarm ofincome, but there is no limit
on how much money you can make.
So starting a hustle, startinga business, raising your income,
this is one of the habits thesmall habits that we started
with that has made us millions.
Speaker 2 (32:15):
That was a game changer for us.
It maybe it's small, but it wasa game changer for us.
So while we were paying offdebt, we got and was doing
multiple jobs.
We worked at a gym.
Both of us worked at a gym.
That was about $9 an hour.
Speaker 1 (32:27):
We were doing half the work.
Speaker 2 (32:29):
After our 9 to 5, we worked at a gym.
We were watching Dogs on Rover.
We were renting out our cars onTuro.
Speaker 1 (32:36):
Raise my income.
Speaker 2 (32:37):
This is 2017 to 2018.
These are the things that wedid.
I am a therapist, so I was alsodoing private practice.
My 9 to 5 job was not privatepractice, so this was on top of
that doing private practicingand clients privately.
And then we started ourcleaning business.
Speaker 1 (32:56):
Absolutely.
Speaker 2 (32:56):
I don't know if there's anything else I missed,
but those are the things that wewere doing to raise our income
to pay off the debt, um, to beable to still kind of live some
type of life that we wanted to,and, you know, get this debt
gone to help us to get tomillion or millionaire status
quickly, quicker, another thing,before we even started talking
about paying off debt, we weretalking about paying for the
(33:17):
wedding, and then I also wasflipping sneakers.
Speaker 1 (33:20):
So I was um, buying and selling, reselling sneakers,
and then also I picked up likea door dash job at a week, at
for a week, and then I alsoremember I did the job in harlem
, oh yeah, with the um the ummentally, mentally challenged.
Speaker 2 (33:34):
You were doing it for them, so I worked in
information technology for 15years.
Speaker 1 (33:38):
So back then I went to craigslist and I found an IT
job in Harlem where it was acouple hours after work and I
was helping people set up socialmedia pages, learning Microsoft
Word, and some of them wererehabilitating, coming out of
jail and some of them werementally disabled and they were
just trying to reacclimate tothe workforce and I was teaching
them basic skills that I had inmy job.
(33:59):
So is there?
So are there any skills thatyou currently have at your 9 to
5 that you could get paid foroutside your 9 to 5?
The amount of money you canmake outside your job?
Speaker 2 (34:09):
is limitless.
Sorry, I did the census as well.
You did census as well, Iforgot about that.
Speaker 1 (34:15):
So when we're talking about raising your income.
There are so many things thatyou could do and obviously
you're talking about sidehustles.
So one of the things we did waswe built our cleaning business
and we were able to do that withless than $1,500.
And we built it to almost a $3million remote cleaning business
.
And remember, we were doingthis outside of our jobs, so we
(34:35):
didn't have to go out and cleanhouses.
We built a fully remotecleaning business that was only
$30,000, $40,000, $50,000 amonth outside our 9-to-5.
So you can do the same by goingto
CleanItBusinessMasterclasscom,where we teach you how to start
and scale a remote cleaningbusiness without cleaning your
house.
And if you want to clean houses, that's totally fine.
But again, we built systems, wehired people and then we
focused on marketing.
Speaker 2 (34:56):
And those jobs that I spoke about.
It was helping us to bring inanywhere between $1,000 to
$3,000 a month.
Mind you, we still had our 9 to5 as high-income earners, but
we also had this because we hadthat goal.
Remember, I told you that$114,000 of debt became our
personality, became somethingthat we wanted.
It was like okay, we're goingto pay off this debt, which will
help us to get to millionairestatus, if that's something that
(35:19):
you're interested in.
So raising your income, thereis no, your job, it's your
salary, and maybe you havecommission at your job and
that's that.
There is no, you know.
So you can do, if you have thetime, things outside of your job
to raise that income.
Speaker 1 (35:31):
And I remember when my job found out that I worked
in a gym and they were like whyare you?
You make six figures at yourjob, why are you working at the
gym for $9 an hour?
And I told my manager straightup.
I was like you're limited as tohow much you could pay me.
The end of year raise is goingto be what?
3%?
You know I'm working at the gym.
I can work as many hours as Iwant.
(35:51):
I can do anything I want to doin terms of raising my income.
So I got a debt freedom goal.
That's my goal for myself andmy family and obviously you
could help me with that bygiving me more money, but you
are limited by how much you canactually pay me.
I can make as much money as Iwant outside of my job.
He said fair enough, as long asit doesn't interfere.
And then, even that we wereinterviewing for the gym, they
(36:12):
were like why do you guys wantto work here?
Speaker 2 (36:13):
like yeah, because we're not, we weren't their
average applicants that theywere getting.
It was a lot of college people,college kids and people who
were of stuff, people who wereunreliable yeah, they were there
for a good time.
Speaker 1 (36:22):
Not a long time.
We were there for a short.
We was actually there for along time.
I became a manager at the front.
You could have became the CEOof that gym if you wanted to.
Speaker 2 (36:30):
I became a manager and then finally quit when COVID
hit.
But yeah, that was a time, butwe did what we had to do to get
where we need to go and that'sgoing to be.
That's like how we operate ingeneral, because it has to
happen or it has to happen.
It is what it is.
Speaker 1 (36:45):
So making more money, raising your income starting
outside out.
So you know that's where wethrive at, so you know where to
find us on.
That Link will be below.
Speaker 2 (36:51):
Know where to find us , where we at.
And then habit number 10.
When it comes to this, you know, tithing is something that is
important for us Now, paying offour debt.
We did kind of slow down onthat or we weren't paying.
I don't think we were paying anyof it or it was a lower amount
than the 10% that they say togive.
But once we paid off our debt,we increased that and the money
(37:17):
doesn't necessarily belong to us, right, it belongs to him, if
you believe in that.
So the more that we're able togive, the more we see back,
right?
So if you I know a lot of us islike it's my money, I work for,
it, understood, but without himyou wouldn't have that money.
So we're big on making surethat we can give back as much as
possible.
You know, being able to provideto a friend I think we had a
(37:41):
friend their mother's homeburned down we were able to give
a substantial amount.
So being able to kind of helpothers is important for us.
When it comes to you knowmillionaires and the reason that
you want to get to that rightLike you want this money to do
what?
Like to help others more thanlikely or help people around you
.
So that's something that isimportant to us.
Speaker 1 (38:02):
Money is a money's a resource.
Resources are meant to be movedaround.
Resource is not meant to behoarded.
So if you are hoarding yourmoney, it can't grow.
Right, when people talk aboutyou know having a closed fist,
you can't grow anything withthat closed fist.
So when you have money, yourgoal is to deploy it.
Deploy it in yourself, deployit in investments and deploy it
(38:27):
into others.
Deploy it into other resourcesso that it could continue to
grow.
Money always comes back to youand if you keep deploying it, it
will always come back to you.
Now I'm not saying give awayyour money, but it's meant to be
a resource, treated as such.
It is not meant to be hoardedand this is coming from someone
who hoards or used to hoardmoney.
Right, I used to be very closedfist.
You know I'm not doing anythingwith it and it's like now let's
(38:47):
throw it away, let's invest it,let's grow it.
Speaker 2 (38:50):
Let's share it and then like true wealth is like
what you can give right, socharities or family or friends,
and however you can help, thosetype of things just feel good.
And I think that's the wholepoint of getting to a certain
point for most of us maybe noteverybody, but for most of us.
Speaker 1 (39:06):
So it's like the three goals is to make a million
, the goal is to save and investa million and a goal is to give
a million.
And that's that's, like youknow, grand goals.
Speaker 2 (39:18):
Imagine if you're able to give away 1 million
dollars a year how much moneywould you have to make in order
to do that?
Speaker 1 (39:24):
right.
So you have your personal goals, you've got your professional
goals, and then you've got yourspiritual goals, and that could
be giving it away to charities,friends, family, investors,
whatever it is so you're able todo that.
So that was one of the habitsthat we still practice today.
Speaker 2 (39:39):
That's made us millionaires.
Speaker 1 (39:44):
And millionaires and your bonus that you want to give
away at the beginning.
Now's your time of my time, sothis one was just focused on the
small victories.
I know we talked about, youknow, the the 10 small habits
that you know.
Anybody can practice.
Anybody can do any of these 10things that we spoke about.
This one is to enjoy the ride,reflect and and take in any tiny
wins.
So focus on the small victories, not just the big ones.
(40:05):
And this habit changes the morebigger your goals become,
because we just hit a big goaland I said it before that it was
just like, okay, cool, allright, we moved on.
But I want to always remindpeople just to focus on the
small habits.
We pray to be here, so youcelebrate each win paying off a
single credit card, getting yourfirst client in your business,
picking up that first sidehustle, starting something on
(40:27):
the side.
We want you to startcelebrating those wins, no
matter how big.
And this one, I added, becauseI think in our community one of
our students was saying oh um, Ifeel like I'm moving slow, or I
feel like I'm going slow andI'm like comparison.
I was like slow compared to who.
Speaker 2 (40:40):
It's like you're comparing yourself to other
people so you don't feel likeI'm moving slow or I feel like
I'm going slow and I'm likecomparison.
Speaker 1 (40:43):
I was like slow compared to who.
It's like you're comparingyourself to other people, so you
don't feel like you're makingany progress.
And I know, with social mediaand a digital age, we got a lot
more things that we can compareourselves to.
But I want you to compareyourself to where you were
yesterday and not where everyoneis that scene today.
Speaker 2 (40:58):
Yeah, and I think weekly celebrations is important
.
I'm not saying going out andspend every time, but, like in
our community, we do a Wednesday, a Wednesday Wednesday, and we
do it every single week and weget tons of comments.
I think it's also a place tojust remind yourself.
There are things happening,there's progress that you're
making.
You're probably just notrecognizing it, you're probably
just not showing it for yourself.
(41:19):
So can you do that in your dayto day?
Can you do that when it comesto this journey?
You know, writing down thosewins that you have, big or small
, whatever it may be.
And financial independence is amarathon and not a sprint, right
?
So for us, paying off the debtbecame a sprint, but then the
financial independence of it all, being able to have assets,
(41:40):
being able to purchase homes,those type of things we knew
wasn't going to happen rightaway, but it was something that
was a focus of ours.
So that's what we work towards.
So we hope these tips help you.
You know, for those of you thatare looking or just wanting to
listen in on, what does it meanor what does it look like to
even start to become or worktowards being a millionaire
(42:01):
right, it doesn't happenovernight.
You have to implement things,you have to do things to get
these things in place, and I'msure there's more we could dig
into about investments and stuff, but that ain't my lane so I
ain't going to really talk aboutthat much.
Speaker 1 (42:13):
But we want to talk about the things that everybody
could do.
You don't need to have money todo any of these habits that we
spoke about.
So we went over uh number onechecking your money daily.
Number two managing your moneydaily.
Three reviewing your goalsweekly, monthly, paying off debt
, learning something everysingle day.
Get around like-minded peopleinvesting in yourself, lowering
(42:34):
your expenses, raising yourincome, helping others and
taking time to reflect the smallwins.
Any single person will listensto this episode.
These are the 10 small habits,with the 11th being the bonus
that we implemented that helpedus become millionaires that
anybody could do right.
Speaker 2 (42:49):
So can you do any of them this week?
Maybe it's one a week, maybeit's one to two a week.
Can you start small and kind ofjust grow from there?
Speaker 1 (42:56):
Put something in the show notes.
Let us know what you guysthought.
Subscribe to our page.
Comment.
What was your biggest takeaway?
What is something you're goingto implement this week, this
month, this year?
Any one of these small habitsthat you are adding to your
routine, and we'll see you nexttime.
Thank you, peace.
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