June 11, 2025 • 46 mins
*This episode contains profanity and may not be suited for children under age 13
Charly Stoever has worn many hats—undocumented immigrant, stockbroker, money coach, and global adventurer. In this raw and inspiring conversation, they unpack how a childhood shaped by financial uncertainty led to a life of intentional wealth-building.
From a full ride to Wellesley to living on Peace Corps stipends, Charly eventually found their money “aha moment” in a simple stock market chart—leading to a career in finance and a mission to help LGBTQ+, BIPOC, and neurodivergent high earners build passive income.
We talk identity, financial trauma, wellness, and why pet-sitting your way through 36 countries might just be a genius wealth strategy. Charly’s advice is as bold as it is practical: “If you can fully fund happy hour, you can fully fund your 401k.”
This episode is a blueprint for building wealth on your own terms—especially if you’ve never had a safety net.
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Episode Transcript
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Speaker 1 (00:00):
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(00:51):
In today's episode we have aspecial guest, charlie Stover,
who was a formerly undocumentedMexican-American turned
stockbroker, also happens to beour first trans guest, and we
are going to talk about theirjourney from being undocumented
to being a stockbroker andeverything in between that has
led them to live the life thatthey currently are helping
people in their money coachingprogram while traveling
internationally, healing fromall sorts of different traumas
(01:14):
and living their very best life.
If that's of interest, we hopeyou'll stay tuned, hey babe.
Learn how to make them pocketsgrow.
Speaker 2 (01:29):
Financial freedom's where we go.
Smart investments, money flow.
Speaker 1 (01:32):
Hey babe, what are we talking about today?
Everything Today we are goingto talk about all the things.
We have a very special guestwith us who is currently sitting
in Italy because they aretraveling all over the world,
which we're going to get intoliving their very best life, and
Charlie, who's joining us today, is a fellow podcast host,
(01:52):
former stockbroker.
There's just so much that we'regoing to get into.
This conversation is going togo in all the directions, so I
can't even tell you, becauseit's everything and I'm so
excited.
What won't we talk about?
Charlie, thank you for beingwith us on the Sugar Daddy
podcast today.
We're so happy to have you Metoo.
Speaker 3 (02:11):
Thank you for having me.
As I said, I'm a podcast host,but it's really nice to be able
to be a guest, yes, so thank you.
Speaker 1 (02:20):
Absolutely, we feel the same way.
It's good to do a little.
You know trading of the podcastspots, so let's get into
Charlie's bio so everybody knowswho we're talking to today, and
then we'll get into your firstmoney memory, charlie, speaker
(02:46):
and host of the UnicornMillionaire podcast.
They're helping LGBTQ and BIPOCand first gens make 10k in
passive income a year so theycan twerk their way to early
retirement.
Yes, honey, they're a formerlyundocumented Mexican American
and ex stockbroker who hastraveled solo to 34 countries.
Is the 34 countries up to date?
I feel like it's not, becauseyou're currently in Italy 36 now
(03:10):
36.
Speaker 3 (03:11):
Ireland and Northern Ireland.
I forgot how easy it is to addthem up when you're in Europe,
because it's just in walkingdistance I love it, perfect.
Speaker 1 (03:18):
Well, thank you so much, charlie, for being with us
today.
Yeah, thanks for having me.
We start all of our guestsconversations with understanding
a little bit about your moneyhistory, so we'd love to get
into your first money memorybefore we really get into the
conversation.
Speaker 3 (03:35):
So I grew up undocumented.
I was born in Morelia,Michoacan, Mexico, and then, at
age three, we emigrated andoverstayed our visas and moved
to rural Washington state in themiddle of nowhere, middle of
nothing, and the first moneymemory I have was my dad asking
me to lend him money that he hadgiven me when I was like five
(04:00):
years old.
This was maybe like five, 10,20 bucks years old.
This was maybe like five, 10,20 bucks.
But from that moment on, Iassociated money with
uncertainty and fear and, oh myGod, if this is something that
scares the adults, I should bescared about this too.
And in order for me to protectmy family and do my job because
when you're first gen, you'realways parentified.
(04:20):
You become the 20 year old whenyou're fucking five years old.
So I was like I'm going to bethe saver in my family and take
care of everyone.
Meanwhile my brother was thespender, always buying things
and computers and everything.
So I say that to mention howdrastically different your money
habits can be established, evenfrom your freaking siblings.
It is wild.
So ever since then, I've beenvery good with my money and
budgeting and saving.
(04:51):
But then I realized you can'tbudget or save your way to true
early retirement.
You have to invest your moneyand increase your income.
When he asked you for the moneyhe gave you back.
Speaker 2 (04:58):
I was like five, I was a child.
Yeah, all right, real quick.
I want to speak to the personlistening who feels like they
can't work with a financialplanner yet because they're
carrying a lot of debt.
First of all, I see you and Ineed you to know you're not
broken, you're not behind.
You're just in a tough season.
I created something just for youbecause I've had people reach
out who are serious aboutchanging their money story.
(05:18):
But the full financial planningpackage just wasn't the right
fit yet.
So I built a new servicethrough Oak City Financial
that's focused completely ondebt reduction.
No fluff, no shame.
You'll get a one-time planningsession, a personalized payoff
strategy, your own financialdashboard and monthly coaching.
If you want extra support whileyou climb out, it's $300 to get
(05:39):
started and $100 a month.
If you want that ongoingguidance, that's it.
This is about helping you getunstuck, not making you feel
like you failed.
If this sounds like what you'vebeen needing, go ahead and
schedule a call with me.
The link is in the show notes.
Let's take the first steptogether.
Speaker 1 (05:59):
I was going to say you're going to say something.
I saw your face.
Speaker 2 (06:02):
No, I just think it's so like, kind of like how you
just mentioned.
It's very interesting howJustin and I had saw something
not too long ago where you canhave siblings that are raised in
the same house but you don'texperience your parents the same
.
No matter how much a parentmaybe tries to be equal and
parent every child the same, noone's going to experience the
same parent because onedifferent ages and you know just
(06:24):
different personalities of howyou interact with your children.
So, like you said, it's veryinteresting how you can have the
same scenario in a householdbut kids take it differently,
and gender roles obviously too,the
Speaker 3 (06:39):
women are encouraged to, or people like the assigned
female at birth, or assignedlike the task of taking care of
the rest, while the men can goand make mistakes, invest in
things and try and fall flat ontheir faces.
So gender roles definitely tieinto that as well.
Speaker 2 (06:50):
Especially, can be exasperated, depending on
cultural different cultures aswell.
Speaker 1 (06:56):
Yeah, yeah, wow.
So you all overstayed your visa.
What is that?
I mean, like did you, did yourparents just not refile the
paperwork?
And then did you know this atat the time?
I mean, you're so young, likedo you know?
Hey, we're not supposed to behere anymore.
What's that?
Speaker 3 (07:16):
like I remember it was 1994 and the Lion King was
in theaters yes.
I just wanted to see the LionKing.
It was the golden era.
Honestly, the best Disneymovies came out from the time I
was born in, like 1990 till 1995.
Pocahontas, mulan, tarzanthat's when it started falling
off.
But yeah, I didn't know this, Ididn't understand that we
(07:39):
weren't supposed to be here.
I was like, why the fuck are wehere?
Was the thing.
My grandma told me that whenyou were five, charlie, you were
like Mom, why the fuck are wehere?
This is nice, but why can't wego back to Mexico?
Because all our family is there.
Like, this is ghetto, it'sghetto here.
My dad had worked legally in theUS a long time ago and so he
(08:03):
had a social security number butit had expired.
But he used that as a way tolike get the visa approval and
all these other things too.
I don't remember how it works,but he was just like, yeah, I've
just been using the social thatexpired, um, and we ever say it
and stuff.
And then it came to the pointof, okay, it's time to go see
our family, cause we don't haveany family here.
(08:23):
Why can't we go back?
And then my mom's dad died andwe were about to go back and
with the fear of not being ableto return since we'd overstayed.
It's obviously easier to goback to Mexico through the
Tijuana border.
They don't really checkanything.
It was wild.
I went through the border forthe first time a year ago or so
and it was wild that they don'tgive a fuck.
But on the way back, they suredo to the States.
(08:46):
Um, but then, yeah, my, mygrandpa died and we ended up
deciding not to go at all to thefuneral.
And my mom was young.
She was in her early twenties.
She had me when she was 21.
Um, she was in her earlytwenties.
So I can't imagine the traumaof not being able to go to your
dad's funeral, who you caredabout.
It was a big part of your life,because you just were afraid of
(09:09):
coming back, of not being ableto come back.
So that's when a couple yeah,well, into childhood, my parents
would be like just lie and tellpeople you were born in Los
Angeles.
But then, when I kept proddingand asking questions, my dad was
like here's the deal, we're notsupposed to be here.
And I was like this is fuckedup, we are doing something wrong
.
And he was like no, no, no,we're fine, we're fine.
(09:30):
So, yeah, that's how I grew upwith this, like wait, we're
supposed to be good people.
Yeah, we're kind of breakingthe law by being here.
And I say that because we werenot coming to the US for for a
better life, because we werebeing persecuted, to make more
money.
My dad was from a middle classwhite Mexican background, full
of privilege, so he just came tothe US because he wanted to,
(09:53):
because he felt like it.
It's different if you'reimmigrating illegally because
you're fighting for your life oryou want to be able to send
money back home to your homecountry because your home
country was fucked over by theCIA and the US.
That made this all happen inthe first place.
But that was not the case forus.
We were privileged immigrantsand my last name was Johnson.
Now it's Johnson Stover, but Imentioned that because we didn't
(10:17):
do this out of necessity.
We just did it because my dadfelt like it.
So that's like a huge caveat tomy journey of growing up
undocumented too.
Speaker 2 (10:27):
And how long did you remain undocumented?
Speaker 3 (10:30):
Until I was 14, when my mom kept being like to my dad
like your kids need to get ajob, they need to go to college,
they need a social.
And my dad was like no, theydon't, because my dad was used
to his dad sending us money.
But very randomly there waslike definitely a legacy of
financial manipulation withinthe family too, of him wanting
(10:50):
distance as an autistic person,very narrow, divergent it's very
important for us to have ourown autonomy and not be
perceived and not have toexplain ourselves.
So I get that now.
It took me years to understandlike why the fuck we moved to
the middle of nowhere.
It was for that.
But I remember my grandparandomly visiting us and him
handing money to my dad, like infront of us and handing me
(11:10):
money but eating beans and rice,growing up really poor but
sometimes being able to have avacation sponsored by grandpa
that would send us to like NewYork or Las Vegas three times by
the time I turned 15, or to goto Hawaii, as long as we could
stay in the States.
It was.
It was wild.
The my money store, it was.
It was wild y'all.
(11:31):
A lot of contrast.
So I forgot your last question.
No, this is great.
Speaker 2 (11:35):
No, it was just the part of, like you said, you
remained undocumented until 14.
And what was that process atthat age?
Speaker 3 (11:41):
So my mom married uh, my next door neighbor and my
dad just like abandoned us andjumped ship and moved back to
mexico to live with his dad,rent free.
And, yeah, my mom married mystepdad, who was a trump
supporter and an alcoholic.
So it went from a lot ofdysfunction to more dysfunction.
(12:02):
So in high school I was astraight A student.
I was like I need to get thegood grades and all the
extracurriculars to get the fuckout of this.
And I did.
I got a full ride, scholarship,basically heavy financially, to
study across the country atWellesley college in Boston,
which was a women's collegewhere it was cheaper for me to
go there than to stay in stateat any public school.
(12:23):
Um, so, not a shitty thingshappened to me, but a lot of
lucky things, like the universewould conspire in my favor a lot
of moments throughout my life.
And it continues to likesomebody who's trans, who's
queer, who's estranged fromfamily, I don't have anybody
supporting me, which is why I'mso on top of my finances.
I can't just like when COVIDhit, I couldn't just move home
(12:45):
with the parents to save moneyon rent.
And as a business owner,there's a toxic rhetoric of like
oh, if you really care aboutyour business, you'll just move
home with your parents so youcan save money.
But it's like that's not thecase, especially for queer
people and then the Latinxcommunity and a lot of
communities.
You can be gay, but you can'tbe trans, like I was out as
queer, but once I came out astrans, I was not okay too.
(13:08):
So there's different layers ofit.
So that's why I'm really on topof my finances and I help
others do the same.
Speaker 2 (13:14):
Forget that not everyone has that support system
at home.
You know, for example, likewith us, like if something we're
allowed to take, you know thesechances and stuff where, if it
didn't work out and we neededhelp, we needed money, we needed
(13:34):
some place to go from a housingstandpoint.
We have family and they willtake care of us, they will help
out, and a lot of people don'thave that, and it's just.
It's just.
It's baffling to me that peopledon't understand that a lot of
people don't have that support.
Speaker 1 (13:47):
Are you estranged because your mom married a Trump
supporter and you're like Idon't need that in my life?
Or did your mom say you got togo and just stop contact, Like
what's the situation?
Speaker 3 (14:02):
So she divorced that trump supporter and then she
started dating another trumpsupporter, because in the town.
Okay, we have a type yeahthere's like it's a rural
washington state which is notliberal at all.
As soon as you cross thecascade mountains, it's like
texas y'all it is dry, desert,sagebrush.
Red republicans like I didn'tcome out until.
(14:25):
I got out Like I went to danceswith Mormon boys, like
religious diversity there was,like, what kind of Christian are
you?
Are you Catholic or are youMormon?
Speaker 1 (14:34):
Wow, oh my gosh.
Speaker 2 (14:39):
Yeah, we've only been like the Seattle area.
Speaker 1 (14:41):
Right.
Speaker 3 (14:42):
Yeah, I went to Seattle for the first time to
live for months at a time to seewhat the cooler side of
Washington was like, and it wasdefinitely worth it.
But the rent is ghetto.
I was pet sitting full time tonot pay money on rent but I was
still spending more money tojust exist there than I was out
here, kind of in Europe, payingfor Airbnbs.
It's wild how expensiveSeattle's gotten.
(15:02):
Yeah.
Speaker 1 (15:03):
Okay, let's go into.
You were a stockbroker.
How do we go from I left home,I got a full scholarship I knew
I needed to be able to supportmyself down the line to I became
a stockbroker.
What is that trajectory?
Speaker 3 (15:19):
I didn't study finance at all in college, I
just wanted to be a socialstudies teacher.
I love history, like I'mautistic and I love memorizing
random facts and dates.
Speaker 1 (15:28):
I love that shit, but no one was you and brandon
could have an offlineconversation about that.
I love history.
Speaker 3 (15:35):
Yes, I love encyclopedias and books.
It's just like random facts,especially if they're
chronologically in order.
That's like porn for me.
But in my 20s I was like I wantto make a difference, I want to
save the world and I don't wantto sell out.
I don't need money because I'vemade it so far without money
because I was on financial aidand stuff and I've scooted by
(15:57):
and I grew up poor so I didn'tneed that.
What so?
I did the Peace Corps andAmeriCorps a lot of educational
contract jobs that wereexploitative and underpaid me.
I was on food stamps throughoutmy 20s and then, by the time my
late 20s hit, I found myself inDC trying to get a cushy
government job after Peace Corps, like most Peace Corps
volunteers do.
(16:18):
But it was the hiring freezebecause Trump had gotten elected
when I moved to DC and so Icould not get a job.
So I ended up being a bicycletour guide on the national mall
and doing lots of side hustles,blogging, pet sitting, and I was
like I can do this now.
But I got my top surgery in DCand I still remember I needed
the money so badly and I didn'twant to be in debt or fall
(16:39):
backward that even post topsurgery, when I was still
healing, I would walk the dogsand I wouldn't hold them on the
leash, but I would tie the leasharound my waist, which is not
something you should do.
You should recover for a fullmonth.
And I remember people sendingme money for the meal train, to
order food for me to go or fordelivery, but I was in such
(17:00):
scarcity mode that I stillcooked like all my meals and use
that money to pay the rent andnecessities and I was like this
is not sustainable.
I don't want 65 year old me tosuffer like this.
And that's when I got ittogether and I decided to hit up
a friend who helped me startinvesting in the first place and
showed me a chart of the stockmarket, and that's all it took.
(17:21):
She was like you don't need tobe making a lot of money,
because at the time I'd nevermade more than 30k.
But she's like as long as youstart now, this is how much
you're losing out on.
And she helped me max out myRoth IRA.
So it helped me just understandlike, oh, as somebody low
income, as long as I put 7k in ayear, I'll be fine.
And then I was like you'vechanged my life so much that I
(17:42):
want to have your job.
And so she said you can comework at Charles Schwab, where we
will pay you to take yourlicenses and your exams and
you'll make 45K and as somebodyunder getting underpaid.
Speaker 1 (17:59):
I was like oh, I can buy a sports car with that.
Speaker 3 (18:11):
Which even 45K.
You think, hey, stockbroker,you think that they're you?
You know, making hundreds ofthousands on wall street, you
know?
No, it was boring as fuck.
I'm sitting in a call center infucking indianapolis like
making password reset calls halfthe time.
It was not glamorous, I hated it, but I learned so much about
how the stock market actuallyworks and that you don't need to
be a fucking day trader.
I just saw so many casualmillionaire accounts and I just
saw them doing the same thingself-managing everything, open
up their iras, prioritizing theretirement accounts and then
(18:34):
making the brokerage accountstheir side bitches.
Oh, they need like money for adown payment on house.
Boom, sell some stock.
They weren't making it thiswhole thing about themselves
because they were rich white men, like they didn't have to do
the money healing and shit andmoney trauma.
Like they inherited these waysof just treating money like
their bitch.
And I was like, oh, I see howthis works.
(18:55):
And then, yeah, I quit my jobafter COVID hit like a badass
and that 45k salary, but I savedenough to just move to Mexico
and get a full ride to my MBAprogram.
And then that's when I startedmy business and I've been doing
it full-time for five years now.
Speaker 1 (19:13):
What is your business , Charlie?
Speaker 3 (19:15):
I'm a money coach, I thought I didn't know what we
said in the intro.
Like you said, we're going totalk about everything.
Speaker 1 (19:25):
Listen, yeah, no only only in our heads, but not out
loud yet.
Speaker 3 (19:30):
Yeah, I'm a money coach for six figure earners and
I attract people who are LGBT,bipoc, hella, neuro, spicy
people.
I attract hella people with,especially with ADHD and ADD,
because I'm like the autisticside, where I'm neurodivergent
but I can call them out onthings they might not be seeing
and I helped to gamify financesand make it a lot less scary,
(19:51):
which is what everybody needs,no wonder if you're
neurodivergent or not.
But, yeah, I help my clientsget on track to making 30K plus
in passive income a year throughsavings investments, leveling
up their credit card game,because a lot of them are making
six figures and they need toget their asses to the airport
lounge, but they're still usingtheir fucking debit cards debit
cards saving cash in venmo andI'm like no we're not doing that
(20:16):
.
Speaker 2 (20:16):
No, venmo is not a bank it's so interesting you
said about the um, ad and adhd,because we were literally
talking about this the other day, where um I to like with my
clients, kind of like make surethat they're comfortable to open
up to me about all differentaspects of who they are as a
person and when, those thingsbeing impossible, if you know
you are ADD, adhd, becausethat's going to make a
difference in regards to likehow we communicate.
(20:38):
And then also like, for example, like if you're someone who has
, you know you have a little bitof an issue as far as getting a
list of things done.
Me just sending you a list ofthings to do.
It's not the best way for thatto be accomplished.
So it was just very interestingthat you brought that up,
because we literally just talkedabout it with each other.
Speaker 1 (20:54):
Making those accommodations for people who
have whatever part ofneurodivergence.
I mean, I think in some aspectwe're all neurodivergent, right,
we all learn in our ownparticular way.
But making sure that you'reaccommodating your clients who
maybe, instead of sending themthe list of the items they need
to do, you schedule a call andyou do it together and you walk
(21:17):
through it together and checkthose boxes.
So that's I think it's soimportant because that financial
conversation is so intimate.
So, charlie, what you're doingand making sure that people
understand you know you're asafe space they can learn from
you.
You're not perfect.
We're not perfect, nobody'sclaiming to be.
I mean, you clearly have a veryspecific point of view when it
(21:40):
comes to your money story andit's been all over the place,
you know, from scarcity mindsetall the way to hey, I'm helping
other people manage their moneyand I can do this full time on
my own and venture out and startmy business.
I mean, those are not smallthings.
So I'm sure the people thatyou're working with are kind of
seeing the light right in interms of, hey, I can do this and
(22:03):
I don't have to be be a daytrader and I don't have to get a
finance MBA in order to grow mywealth and make better choices
so that my money works for me.
Speaker 3 (22:12):
Yeah, and I, as somebody who still has not made
more than 50K like last year, Ibarely paid myself more as a
business owner than I ever did.
At the nine to five I paidmyself like 46K just to stay
under that tax bracket Verystrategic.
Yes, I can do this, so can you.
If you can fully fund happyhour, you can fully fund your
(22:33):
401k, and that's just a big, bigthing.
I see with a lot of my clientsthey're making six figures but
still living paycheck topaycheck and it's like the the
six figure salary is not goingto do anything for you, it's
still going to work your off.
It's not going to do anythingfor you, it's still going to
work your ass off.
It's not going to save youunless you invest that money.
The point of making more is toinvest more, not to buy more
crap.
Speaker 2 (22:53):
Yeah, yeah.
If you don't change your habits, it doesn't matter how much
more money you make.
Speaker 1 (22:56):
Yeah, right.
Speaker 2 (22:57):
Because you're still going to have the same.
You know quote-unquote badhabits.
I really also like that, likethat.
So like I always tell peoplethat you know there's a reason
why people have a negativeassociation with financial
services because the industryitself has done a terrible job
in regards to how it helpspeople and then also just
overall, like I said, mail staleand what is it mail but I like
(23:22):
that it's now moving to a placewhere you have representation in
all different aspects.
You know, like I always tellpeople, the number one thing, if
you're going to work withsomebody with your money, is to
make sure that you feelcomfortable with that person.
And, like I said, there's alldifferent types of there's all
different types of financialservices, people that work with
all different communities.
And I just love seeing thatbecause, for example, like you
(23:42):
know the community that you workwith, like I don't have that
perspective in that because, forexample, like you know the
community that you work with,like I don't have that
perspective, so I can't putmyself in that person's shoes
and see through.
You know, that lens as far asthe things that they've
experienced, and it can be veryhelpful to have someone who has
been in your shoes and you know,experience the same things that
you've experienced.
Speaker 1 (24:00):
But you do have clients who are part of the
LGBTQIA community and they, Imean, we are a safe space, right
.
So.
But I think that perspective ofopenly saying I'm
neurodivergent, I'm trans, I wasundocumented, I mean you're
ticking a lot of boxes forpeople who might be coming into
the space really scared to openup and talk to anybody.
(24:23):
So I mean it's so wonderfulthat you're a resource for
people who need it.
Speaker 3 (24:33):
I'm like here's how I've been fucked over, but
that's not an excuse anymore,y'all.
And I haven't had like impostersyndrome.
When I first started mybusiness, I did feel some type
of way when a lot of black womenwould come to me and I was like
, oh my god, I'm not black, Ican't help them.
Why are they coming to me?
Speaker 1 (24:48):
And it's like, no, I don't have they're not coming to
you to get your hair braided.
They're not like lay this downfor me, Get my edges boo Like.
That's not what this is, youknow?
I mean, this is me going it out, okay, I feel like the Italian.
Speaker 3 (25:04):
Italian, that's fine, I love it, oh, it's so good.
But yeah, I've had to overcomethat and be like, oh, okay, I'm
here to help them with theirmoney and I'm approachable and I
make it fun and not make itabout me and how, oh, but I just
can't understand them on thislevel too.
It's like not about that too,which I feel like a lot of
people stop people from startingbusinesses because they they
(25:26):
have a fear of being to this orto that and they can't relate.
Like when I started my business, I was like, oh, I might be too
white for a lot of people andthank God I didn't listen to
that imposter syndrome in myhead and just like popped off
and went off and was just like,yeah, I have white privilege,
but also, this has been fuckedover.
Speaker 1 (25:48):
Yeah, and you, you clearly speak fluent Spanish, do
you?
Because I know Brandon workswith a couple of people whose
parents are Hispanic and there'slike a little bit of things are
getting lost in translation andso the children will come on to
help with translating.
Because, again, like and wetalk about it all the time, the
finance lingo, right, theabbreviations, everything's an
acronym.
(26:08):
I mean it's hard to understand,let alone you get into loan
terms and conditions and I meanit's, it's a lot.
So have you, are you alsocoaching in Spanish to help
people who might have a languagebarrier?
Speaker 3 (26:22):
No, I insert some Spanglish in there, like one
time I had a client and we weretalking about her boyfriend and
we switched to Spanish so thathe didn't understand what was
going on.
He was having some like moneydrama around him.
She's an Aries and he has someother signs.
So I was inserting and we'reall like queers, love astrology,
(26:42):
and I'm like listen, you haveto stop losing your shit.
You're Aries, I'm Aries rising,but my gosh, this is how you
can approach that moneyconversation.
So that's how it's come inhandy for me.
And now they've been together.
She just bought a house, um, soyeah, that's how I've
subversively been.
Speaker 2 (26:59):
Like, let's talk about this in Spanish I think
what I noticed from like myexperience was was that in those
scenarios with the parentsspoke English and which I would
say, and I think speakingenglish with a accent and some
(27:28):
people's minds makes the personthink that the other person is
not as smart, and so the waythat they were interacting with
the person was in a um, kind oflike a like talking down to them
, yeah, and I was like, yeah,that's, that's a terrible
experience, you know, and that'swhat I think I has happened
when, when it it comes to havingto translate and stuff, so it's
more or less not that I don'tunderstand her, I would make
(27:50):
sure she understands me.
So it's like your English isfine, my Spanish is absent,
non-existent.
Speaker 1 (27:58):
Yeah, but just making people feel comfortable and not
dismissing them because of anaccent.
Speaker 2 (28:03):
I'll say the one question.
I have kind of like a personalquestion to ask, in the sense of
what are some of the thingsthat you've experienced in a
negative standpoint from afinance like maybe some
financial hurdles as being trans?
Speaker 3 (28:16):
Being trans financial hurdles it's hard for me to
think of them becauseeverything's online and
investing is so democratic whereyou, just as long as you
understand the words, you justclick buttons.
There's not like votersuppression and things like that
.
For me, being trans in my lifeis more of a hurdle when I'm
(28:38):
trying to like get a haircut andI want to go to a barber and I
was just in Ireland and thesigns on all the barbershops
were like this is for gentlemenand their sons, and that's why
I've like grown out my hair,kind of Cause I just don't want
to deal with going to abarbershop, cause I've been in
some like queer friendly citiesand I've been turned away
because they're just like no, weonly cut hair for men.
(29:00):
I'm like okay, so I need tohave a dick to get a haircut
cool, okay so is hair not hair.
I'm so confused yeah, and thishappened in puerto vallarta in
mexico, which is a very gayfriendly yes and it was a gay
male barber who told me this tooso I'm.
That's why, like, transphobiacan be alive and well, even
(29:21):
within like gay spaces.
Being gay does not mean you'requeer and inclusive, especially
with the gay male community.
Yeah, I was very divided when Iwas there.
It was like that's the spacesfor the gay men and this is
where all the other trans, queer, assigned female at birth, like
everybody else like, would hangout together.
It was very segregated anddivided, but in terms of being
trans, I think it's the familyestrangement for me, where I'm
(29:44):
just like I don't have anybodyto fall back on.
Yes, I've chosen family and I'vehad friends who I've had to be
able to crash within my 20s tosave money on rent, but I didn't
want to be that friend in my30s, 40s, 50s.
Being like can I sleep on yourcouch Because I can't find a job
right now.
So that's more of my transnesshas influenced me getting it
(30:08):
together and wanting to spreadthe word, because I've had white
people mostly be like if youare so good at growing your
money, why don't you just investit for yourself?
And I'm like, because I'm not aselfish ass person, like I want
other people to benefit as well.
It's not about me.
Speaker 1 (30:20):
Let's talk about the life that you're building,
because you are all over.
I love following you onInstagram.
You're always in a differentcountry, different city.
I remember vividly the place inSeattle, I think it was because
it was gorgeous and I was like,Charlie, where are you living?
I need the Airbnb, this placemyself.
Oh my gosh, the windows, theviews that you are like.
(30:42):
I mean, I know you have yourcoaching business, but you're
also like no, I'm going totravel the world and I'm going
to see all the things I want tosee.
So my understanding is you'repet sitting in these places.
So are you going where you wantto go and then opening yourself
up to pet sitting so that youhave a place to stay?
Or like, walk us through thejourney, Because I think the way
(31:05):
you're living life right now isjust really awesome.
Speaker 3 (31:08):
Yeah, I mean a year ago I had to rehome my beloved
cat, Luna, who I adopted inThailand, and I brought her ass
all the way over from Thailandto LA and then to Mexico and, my
gosh, I told her girl is doingfine, she has a car.
Now I don't even have a car.
She has a boyfriend.
She's like Luna is living herbest life.
Speaker 1 (31:29):
Yeah, she's fine.
Speaker 3 (31:30):
I miss her dearly, but I rehomed her because life
on the road was not for her andI realized that I'm not done
with traveling, especially assomebody with chronic health
issues.
Like the older I've gotten, themore I'm like, fuck, we need to
travel the younger we are,cause if I'm tired and getting
overstimulated already, I canonly imagine how bad this shit's
going to be when I'm 50 or 60.
(31:50):
I will not wait until I'mretired to see the world when I
have the creaky knees and theaching back like it's only going
to be downhill from here.
Y'all yeah Um.
But then I I decided to uh, Ididn't pet sit right away
because of the grief and I feltlike shit for rehoming her.
I had to get over the guilt formonths, but then, once I got
(32:10):
over that, a few months later Idecided to move to the Pacific
Northwest to reset my nervoussystem and my inflammation,
because I'd been living by thebeach, going to hot ass places
for the past four years, goingfrom Thailand to to Mexican
beaches in the middle of wintertime, and my health coach was
like you need to go someplacewith a winter to reset, cause my
(32:33):
hypothyroidism was so bad thatI was so sensitive to the cold
and that made my informationworse that after doing the
health cleanse with her, I waslike, okay, let me go to the
most depressing winter, thePacific Northwest, where it's
cloudy.
Speaker 1 (32:47):
Yeah, gosh, what the fuck's up.
Speaker 3 (32:49):
How much did I heal because I'm a virgo and I'm all
or nothing.
Speaker 1 (32:53):
I'm like let's see how good I fix this shit you're
like, let me go to like kneedepths of snow and really reset.
Speaker 2 (33:01):
No thanks I'm good on that one, the Pacific Northwest
.
Speaker 3 (33:05):
the winters are actually kind of mild, it
doesn't snow a lot, it doesn'tstick.
And I decided that since therent was so ghetto I'm talking
like $2,500 just for a basic-assstudio I was like let me just
see what will happen if I payfor a trusted house sitters
membership it costs $120.
And let me just see if I canpet sit while I look for a place
(33:32):
or find something moreaffordable.
And then, since I was basedthere, it was a lot easier
because the people on trustedhouse sitters they want to know
if you're based there.
They'd rather have somebody wholives in the place than
somebody flying over fromGermany who might miss their
flight and then fuck over theirpets.
So that's why it was easy forme to get sits booked in Seattle
and then I was able to fly toAnchorage, alaska, uh, to pet
sit for a queer couple there tosee the Iditarod and then pet
(33:55):
sit in Portland.
So I was like hopping aroundthe Pacific Northwest.
And then I assumed it would bethe same Now that I've been in
Europe since April.
I was like I need to get thefuck out of the U?
S?
Um for political and personalmental health reasons, uh, and
then I was like, oh, let me justdo the pet sitting thing in
Europe.
But I'll say it has been achallenge.
It has not been as easy at allpet sitting, cause I'm not based
anywhere, I'm going around.
(34:17):
So I was like, let me fly toLondon and then see what's up,
maybe if I can put my locationas London and it'll be easier.
But by the time I'm in Londonand I've seen everything, I'm
ready to move the fuck on.
But I have gotten only threepet sits confirmed the entire
three months I've been here, andthey're all through Facebook
groups for my college alumnigroup.
So at first I was kind ofannoyed and pissed.
(34:40):
But I was like dude, you'rejust gonna have to spend more on
Airbnb.
So you've saved tens ofthousands of dollars by pet
sitting anyways.
Like you'll be fine, like allthe rent you've saved will be
able to go toward the airbnbs.
And I don't have an apartment,I'm not paying tens of thousands
of dollars in rent back home.
Like my airbnb is still my rentand I'm getting credit card
points off that as well.
(35:01):
So that's the worst casescenario.
Um, and I think the universethrew this lesson at me of like
this is what money's for baby,like budget for it.
It's OK for you to increaseyour expenses.
Don't get pissed off if thingsaren't going to work the same
way here.
And it has been nice Like Iknow that I'm going to be pet
sitting for three weeks inBrussels, so I have a skeleton
of oh by these dates once amonth I know where I have to be
(35:27):
and then I cater the rest of myitinerary outside of that.
But I have faced a lot ofdecision fatigue.
It was a lot more overwhelmingthan I thought, because it's so
juicy being in Europe.
There's so many amazingcountries to go to, so much food
to eat, so many prides going onand I've had to ask chat GDP to
help me calm the fuck down andrein it in and be like you bitch
.
You need to stay for five daysin a place.
Speaker 2 (35:47):
Stop doing this Like no, no, every two days is we
have definitely had theconversation about when or if,
if and when you know to leavethe United States, based upon
kind of the trajectory it'sgoing on right now.
Yeah Cause, uh, jess and thekids have dual citizenship in
Germany, oh so what do you know?
Speaker 1 (36:09):
I know, I know it's a conversation, I think it's.
You know, when you add thelayer of kids and school and
uprooting and it, I think itbecomes a little bit more
difficult.
I think if we didn't have kids,we would at least be like, yeah
, let's go over there for sixmonths and like check it out or
feel out the vibe, where do wewant to be?
(36:30):
But it's definitely on the list, what so?
How long are you going to be inEurope?
What's the plan?
Speaker 3 (36:46):
like the only reason I'm going back to North America,
because I'm a good friend, soI'm flying straight to San Diego
and then, you know, I go to awedding in Rosarito in Baja
California, and then part of mejust wants to come back to Italy
and take Italian classes andstuff out here I.
I spent a month in the UK andthen Ireland, northern Ireland I
was like this is cute.
But now that I'm in Italy I'mlike, oh, this is my, my vibe.
(37:07):
It's just so sunny and peopleare friendly and I love how
stimulating it is to hear adifferent language.
That kind of sounds likeSpanish.
So I'm like problem solving andtry to figure it out and like
trying to remember some of theItalian I studied.
So it's a lot more mentallystimulating for me being here
than in completely Englishspeaking countries.
Speaker 1 (37:24):
I'm glad.
Speaker 3 (37:25):
I went, but next time I'm flying the fuck out here
directly.
Speaker 2 (37:29):
Yeah, I've been to England several times and I
haven't really noticed higher togo back.
Speaker 1 (37:33):
No offense but unless I'm like.
Speaker 2 (37:35):
I'm a big soccer fan, so I'd go watch a Manchester
United game.
Outside of that, I'm good.
Speaker 1 (37:41):
Yeah, charlie, you've had quite the roller coaster
and you are, you know, buildingyour life the way it makes sense
for you and for you to feelgood and have purpose.
You're helping others.
What, what is the future holdfor you?
What are you most excited about?
Speaker 3 (38:04):
Trump not being president about.
Speaker 1 (38:05):
Trump not being president, okay, him aside.
Yes, we'll retweet that, yes.
Speaker 2 (38:12):
We still got way too many years.
Speaker 1 (38:15):
It's only been like five months guys.
Speaker 3 (38:22):
Not even I know we're exhausted.
I know, yeah, it's my littlecountdown.
Speaker 2 (38:25):
I'm like okay, the term is a long countdown, oh my
gosh, 48 months the math is notgood I do love it when we
because we post this on likeyoutube as well, and anytime we
get into political stuff, youget the you know the trolls and
stuff like that.
Speaker 1 (38:39):
So it's always like we love this until you got
political and we're like greatmoney is political.
If you don't understand that bynow, like we are not for you.
Speaker 3 (38:46):
Yeah, yeah.
I mean I will say in Europeit's nice.
No one asked me if I voted forTrump or not, because I'm so
queer, I'm so fucking gay thatpeople know I'm on the left Like
, unless you're blind, my gosh.
Yeah, I'm excited about myhealth being good because a year
ago I went through my healthcrisis where I had the worst
(39:09):
inflammation eczema flare-up ofmy life after being on steroid
creams for decades.
The steroid creams stoppedworking and my dermatologist
wanted to put me onimmunosuppressants.
And the doctors didn't knowwhat was going on.
I had multiple bacterialinfections, I had a leaky gut.
I didn't understand what wasgoing on and none of these
Western health professionalscould help me a lot.
(39:30):
So I hired two health coaches,realized I was like almost
pre-diabetic because I hadinsulin and sugar absorption
issues I had no idea about and,yeah, the hypothyroidism, which
was what making me go to allthese hot ass places, making my
inflammation worse.
So I'm really proud of myselffor investing a lot of fucking
(39:51):
money.
It was not cheap Hiring allthese health coaches and
shopping organic in the US isn'tcheap but I'm so happy that I
invested in myself because youcan have a pop in 401k, a six
figure salary, but if you're nothealthy, none of that matters.
And today, for the first timeafter a year of not going
swimming in the ocean, I wasfinally able to swim in the
ocean and it felt so nice to nothave my face hurt or be in pain
(40:14):
or have to apply cream rightafter.
I was like, okay, this the theglow up was.
It took a long time for me tonaturally heal and purge all the
crap and detox, but now I canhave pizza.
I've stopped drinking alcoholbecause the headaches aren't
worth it anymore, and I've hadto be good about my health
habits.
I've had to stop drinkingcoffee first thing in the
(40:35):
morning, but it's, it's beenworth it.
So I'm excited to be able toget back on track to traveling,
because I couldn't look away.
My health issues were so bad andI love sharing it because I
know it resonates with a lot ofpeople.
As a highly sensitive person, Iwas angry at my body.
I was like these fucking 70year olds can drink 10 beers and
not feel a thing.
(40:55):
Why me?
Why me?
And I was like, oh, theyprobably just have like chronic
headaches or IBS or other things.
It's not like.
Your immune system manifests indifferent ways, it looks
different for different peopleand I think that if I'd had
chronic pain, I wouldn't.
I would have waited even longer.
It was the eczema and my skinbeing so bad.
And the Mexicans I have nofilter.
(41:16):
They'd be like what the fuck iswrong with your skin.
Your skin looks burned.
What the fuck?
Every day I go to like thegrocery store and they'd be like
, oh, your skin looks bettertoday.
Every day I'd go to like thegrocery store and they'd be like
, oh, your skin looks bettertoday.
Oh my God, what's wrong withyou?
And I think for that reason,because my chronic illness is
such a front facing thing, Ifinally decided to do something
about it.
But it took 33 years to forthis to happen.
(41:36):
So I'm excited to be able tosee the world taking care of my
health and living that slowerlife and honestly, there's a lot
of slow days out here.
I've been in Southern Italy forfive days and I've only taken
like one day to see everything,but I've had to be okay with
that and laying low and restinga lot more than in my 20s.
(41:57):
It's a lot about compromise,because this is the long term,
this is my life.
I'm not here for a two weekvacation, so why would I
pressure myself to like?
In Spanish we say sacarle eljugo, like take the juice out of
everything.
I don't have to do that anymore.
But that's a lot of scarcitythat I have to remind myself of.
That a lot of my clients dealwith is letting go of that
scarcity of like we got to dothis all now in Europe.
Speaker 1 (42:22):
I mean, yeah, you'll sit on a Sunday and have a four
hour breakfast or brunch orcoffee, you know, coffee meeting
with a friend, or it's justsuch a like.
No, we're here to enjoy life,not just work ourselves to death
.
So it's nice that you get toexperience that more regularly.
If you could leave ourlisteners with a piece of advice
(42:43):
money, life, you know, finance,growth, investing, whatever you
want it to be, what, what wouldyou say?
Speaker 3 (42:52):
Stop asking people for advice.
Who's like money lives don'treflect what you want yours to
look like.
Like the stock market crashed afew weeks ago and everybody was
posting on Facebook groupsasking other people who didn't
understand what the fuck theywere doing, what they should do,
and now that's the stockmarket's fully recovered.
It's so quiet now and it's likethis is going to keep happening
(43:13):
.
Y'all.
The stock market was designedto crash Always, has, always
will.
So get it together and hire,like a coach, a financial
professional to guide you.
And you're at this level ofbuilding wealth.
You can't afford not to investin your money and your growth,
so that you stop stressing outevery time the stock market
(43:34):
crashes.
It's really clear.
I think, being money coaches,you can see like we were nervous
and stuff.
We were seeing the stock marketcrash.
But I think I was nervousbecause I was like fuck, this is
going to affect a lot of people.
I wasn't.
I was worried about my finances.
I was just worried about howthis was going to emotionally
take a toll on people.
But once you understand how itworks, you can like separate
yourself and that's why we dowhat we do to calm people.
Speaker 2 (43:53):
The fuck down about money at the end of the day and
enjoy their lives you know,setting them up, for I think
really what is important isframing it for them and so that
they have a very, very goodunderstanding as far as how the
stock market works.
Like you said, like it's goingto go up, it's going to go down.
You know, most of my clientsare around my age, so I was like
(44:14):
a lot of the money that you'relooking to use you're not going
to use for another 20 years.
This is going to happen so manymore times.
Yeah, just go, don't worryabout it.
Just understand and also takethe opportunity.
Speaker 3 (44:31):
And really explain to them what the opportunity can
be when the stock market doescrash.
For you, yes, speaking mylanguage.
Speaker 1 (44:37):
Charlie, where can our listeners find you if they
want to connect and follow yourjourney?
Speaker 3 (44:42):
You can follow my Italian traveling saga on
Instagram.
By the time this drops, I'llprobably be in New Zealand.
I don't know.
I'm at Traveler Charlie onInstagram.
My podcast is called UnicornMillionaire and I have a blog
(45:03):
called unicornmillionairecom andI offer six-month money
coaching programs all the timefor people wanting to get their
money right, and I sometimesoffer one-off calls.
I like to call them DOMsessions.
You can DOM your money insteadof the other way around.
Speaker 1 (45:15):
I love it.
We will make sure to link allof that in the show notes.
Thank you so much, Charlie, forbeing with us today.
We appreciate you so much.
Speaker 3 (45:23):
Yay, thank you, and let's get you to Germany.
Yeah, we appreciate you so much.
Yay, thank you.
Speaker 1 (45:27):
And let's get you to Germany, don't forget.
Benjamin Franklin said aninvestment in knowledge pays the
best interest.
You just got paid.
Until next time.
Sugar Daddy Podcast, yo Learnhow to make them pockets grow.
Financial freedom's where we goSmart investments, money flow.
Thanks for listening to today'sepisode.
(45:48):
We are so glad to have you aspart of our Sugar Daddy
community.
If you learned something today,please remember to subscribe,
rate, review and share thisepisode with your friends,
family and extended network.
Don't forget to connect with uson social media at the Sugar
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You can also email us yourquestions you want us to answer
for our past the sugar segmentsat the sugar daddy podcast at
(46:11):
gmailcom or leave us a voicemailthrough our instagram.
Speaker 2 (46:15):
Our content is intended to be used, and must be
used, for informationalpurposes only.
It is very important to do yourown analysis before making any
investment based upon your ownpersonal circumstances.
You should take independentfinancial advice from a licensed
professional in connection withor independently research and
verify any information you findin our podcast and wish to rely
upon, whether for the purpose ofmaking an.
This episode is sponsored by Prenupscom.
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(00:51):
In today's episode we have aspecial guest, charlie Stover,
who was a formerly undocumentedMexican-American turned
stockbroker, also happens to beour first trans guest, and we
are going to talk about theirjourney from being undocumented
to being a stockbroker andeverything in between that has
led them to live the life thatthey currently are helping
people in their money coachingprogram while traveling
internationally, healing fromall sorts of different traumas
(01:14):
and living their very best life.
If that's of interest, we hopeyou'll stay tuned, hey babe.
Learn how to make them pocketsgrow.
Speaker 2 (01:29):
Financial freedom's where we go.
Smart investments, money flow.
Speaker 1 (01:32):
Hey babe, what are we talking about today?
Everything Today we are goingto talk about all the things.
We have a very special guestwith us who is currently sitting
in Italy because they aretraveling all over the world,
which we're going to get intoliving their very best life, and
Charlie, who's joining us today, is a fellow podcast host,
(01:52):
former stockbroker.
There's just so much that we'regoing to get into.
This conversation is going togo in all the directions, so I
can't even tell you, becauseit's everything and I'm so
excited.
What won't we talk about?
Charlie, thank you for beingwith us on the Sugar Daddy
podcast today.
We're so happy to have you Metoo.
Speaker 3 (02:11):
Thank you for having me.
As I said, I'm a podcast host,but it's really nice to be able
to be a guest, yes, so thank you.
Speaker 1 (02:20):
Absolutely, we feel the same way.
It's good to do a little.
You know trading of the podcastspots, so let's get into
Charlie's bio so everybody knowswho we're talking to today, and
then we'll get into your firstmoney memory, charlie, speaker
(02:46):
and host of the UnicornMillionaire podcast.
They're helping LGBTQ and BIPOCand first gens make 10k in
passive income a year so theycan twerk their way to early
retirement.
Yes, honey, they're a formerlyundocumented Mexican American
and ex stockbroker who hastraveled solo to 34 countries.
Is the 34 countries up to date?
I feel like it's not, becauseyou're currently in Italy 36 now
(03:10):
36.
Speaker 3 (03:11):
Ireland and Northern Ireland.
I forgot how easy it is to addthem up when you're in Europe,
because it's just in walkingdistance I love it, perfect.
Speaker 1 (03:18):
Well, thank you so much, charlie, for being with us
today.
Yeah, thanks for having me.
We start all of our guestsconversations with understanding
a little bit about your moneyhistory, so we'd love to get
into your first money memorybefore we really get into the
conversation.
Speaker 3 (03:35):
So I grew up undocumented.
I was born in Morelia,Michoacan, Mexico, and then, at
age three, we emigrated andoverstayed our visas and moved
to rural Washington state in themiddle of nowhere, middle of
nothing, and the first moneymemory I have was my dad asking
me to lend him money that he hadgiven me when I was like five
(04:00):
years old.
This was maybe like five, 10,20 bucks years old.
This was maybe like five, 10,20 bucks.
But from that moment on, Iassociated money with
uncertainty and fear and, oh myGod, if this is something that
scares the adults, I should bescared about this too.
And in order for me to protectmy family and do my job because
when you're first gen, you'realways parentified.
(04:20):
You become the 20 year old whenyou're fucking five years old.
So I was like I'm going to bethe saver in my family and take
care of everyone.
Meanwhile my brother was thespender, always buying things
and computers and everything.
So I say that to mention howdrastically different your money
habits can be established, evenfrom your freaking siblings.
It is wild.
So ever since then, I've beenvery good with my money and
budgeting and saving.
(04:51):
But then I realized you can'tbudget or save your way to true
early retirement.
You have to invest your moneyand increase your income.
When he asked you for the moneyhe gave you back.
Speaker 2 (04:58):
I was like five, I was a child.
Yeah, all right, real quick.
I want to speak to the personlistening who feels like they
can't work with a financialplanner yet because they're
carrying a lot of debt.
First of all, I see you and Ineed you to know you're not
broken, you're not behind.
You're just in a tough season.
I created something just for youbecause I've had people reach
out who are serious aboutchanging their money story.
(05:18):
But the full financial planningpackage just wasn't the right
fit yet.
So I built a new servicethrough Oak City Financial
that's focused completely ondebt reduction.
No fluff, no shame.
You'll get a one-time planningsession, a personalized payoff
strategy, your own financialdashboard and monthly coaching.
If you want extra support whileyou climb out, it's $300 to get
(05:39):
started and $100 a month.
If you want that ongoingguidance, that's it.
This is about helping you getunstuck, not making you feel
like you failed.
If this sounds like what you'vebeen needing, go ahead and
schedule a call with me.
The link is in the show notes.
Let's take the first steptogether.
Speaker 1 (05:59):
I was going to say you're going to say something.
I saw your face.
Speaker 2 (06:02):
No, I just think it's so like, kind of like how you
just mentioned.
It's very interesting howJustin and I had saw something
not too long ago where you canhave siblings that are raised in
the same house but you don'texperience your parents the same
.
No matter how much a parentmaybe tries to be equal and
parent every child the same, noone's going to experience the
same parent because onedifferent ages and you know just
(06:24):
different personalities of howyou interact with your children.
So, like you said, it's veryinteresting how you can have the
same scenario in a householdbut kids take it differently,
and gender roles obviously too,the
Speaker 3 (06:39):
women are encouraged to, or people like the assigned
female at birth, or assignedlike the task of taking care of
the rest, while the men can goand make mistakes, invest in
things and try and fall flat ontheir faces.
So gender roles definitely tieinto that as well.
Speaker 2 (06:50):
Especially, can be exasperated, depending on
cultural different cultures aswell.
Speaker 1 (06:56):
Yeah, yeah, wow.
So you all overstayed your visa.
What is that?
I mean, like did you, did yourparents just not refile the
paperwork?
And then did you know this atat the time?
I mean, you're so young, likedo you know?
Hey, we're not supposed to behere anymore.
What's that?
Speaker 3 (07:16):
like I remember it was 1994 and the Lion King was
in theaters yes.
I just wanted to see the LionKing.
It was the golden era.
Honestly, the best Disneymovies came out from the time I
was born in, like 1990 till 1995.
Pocahontas, mulan, tarzanthat's when it started falling
off.
But yeah, I didn't know this, Ididn't understand that we
(07:39):
weren't supposed to be here.
I was like, why the fuck are wehere?
Was the thing.
My grandma told me that whenyou were five, charlie, you were
like Mom, why the fuck are wehere?
This is nice, but why can't wego back to Mexico?
Because all our family is there.
Like, this is ghetto, it'sghetto here.
My dad had worked legally in theUS a long time ago and so he
(08:03):
had a social security number butit had expired.
But he used that as a way tolike get the visa approval and
all these other things too.
I don't remember how it works,but he was just like, yeah, I've
just been using the social thatexpired, um, and we ever say it
and stuff.
And then it came to the pointof, okay, it's time to go see
our family, cause we don't haveany family here.
(08:23):
Why can't we go back?
And then my mom's dad died andwe were about to go back and
with the fear of not being ableto return since we'd overstayed.
It's obviously easier to goback to Mexico through the
Tijuana border.
They don't really checkanything.
It was wild.
I went through the border forthe first time a year ago or so
and it was wild that they don'tgive a fuck.
But on the way back, they suredo to the States.
(08:46):
Um, but then, yeah, my, mygrandpa died and we ended up
deciding not to go at all to thefuneral.
And my mom was young.
She was in her early twenties.
She had me when she was 21.
Um, she was in her earlytwenties.
So I can't imagine the traumaof not being able to go to your
dad's funeral, who you caredabout.
It was a big part of your life,because you just were afraid of
(09:09):
coming back, of not being ableto come back.
So that's when a couple yeah,well, into childhood, my parents
would be like just lie and tellpeople you were born in Los
Angeles.
But then, when I kept proddingand asking questions, my dad was
like here's the deal, we're notsupposed to be here.
And I was like this is fuckedup, we are doing something wrong
.
And he was like no, no, no,we're fine, we're fine.
(09:30):
So, yeah, that's how I grew upwith this, like wait, we're
supposed to be good people.
Yeah, we're kind of breakingthe law by being here.
And I say that because we werenot coming to the US for for a
better life, because we werebeing persecuted, to make more
money.
My dad was from a middle classwhite Mexican background, full
of privilege, so he just came tothe US because he wanted to,
(09:53):
because he felt like it.
It's different if you'reimmigrating illegally because
you're fighting for your life oryou want to be able to send
money back home to your homecountry because your home
country was fucked over by theCIA and the US.
That made this all happen inthe first place.
But that was not the case forus.
We were privileged immigrantsand my last name was Johnson.
Now it's Johnson Stover, but Imentioned that because we didn't
(10:17):
do this out of necessity.
We just did it because my dadfelt like it.
So that's like a huge caveat tomy journey of growing up
undocumented too.
Speaker 2 (10:27):
And how long did you remain undocumented?
Speaker 3 (10:30):
Until I was 14, when my mom kept being like to my dad
like your kids need to get ajob, they need to go to college,
they need a social.
And my dad was like no, theydon't, because my dad was used
to his dad sending us money.
But very randomly there waslike definitely a legacy of
financial manipulation withinthe family too, of him wanting
(10:50):
distance as an autistic person,very narrow, divergent it's very
important for us to have ourown autonomy and not be
perceived and not have toexplain ourselves.
So I get that now.
It took me years to understandlike why the fuck we moved to
the middle of nowhere.
It was for that.
But I remember my grandparandomly visiting us and him
handing money to my dad, like infront of us and handing me
(11:10):
money but eating beans and rice,growing up really poor but
sometimes being able to have avacation sponsored by grandpa
that would send us to like NewYork or Las Vegas three times by
the time I turned 15, or to goto Hawaii, as long as we could
stay in the States.
It was.
It was wild.
The my money store, it was.
It was wild y'all.
(11:31):
A lot of contrast.
So I forgot your last question.
No, this is great.
Speaker 2 (11:35):
No, it was just the part of, like you said, you
remained undocumented until 14.
And what was that process atthat age?
Speaker 3 (11:41):
So my mom married uh, my next door neighbor and my
dad just like abandoned us andjumped ship and moved back to
mexico to live with his dad,rent free.
And, yeah, my mom married mystepdad, who was a trump
supporter and an alcoholic.
So it went from a lot ofdysfunction to more dysfunction.
(12:02):
So in high school I was astraight A student.
I was like I need to get thegood grades and all the
extracurriculars to get the fuckout of this.
And I did.
I got a full ride, scholarship,basically heavy financially, to
study across the country atWellesley college in Boston,
which was a women's collegewhere it was cheaper for me to
go there than to stay in stateat any public school.
(12:23):
Um, so, not a shitty thingshappened to me, but a lot of
lucky things, like the universewould conspire in my favor a lot
of moments throughout my life.
And it continues to likesomebody who's trans, who's
queer, who's estranged fromfamily, I don't have anybody
supporting me, which is why I'mso on top of my finances.
I can't just like when COVIDhit, I couldn't just move home
(12:45):
with the parents to save moneyon rent.
And as a business owner,there's a toxic rhetoric of like
oh, if you really care aboutyour business, you'll just move
home with your parents so youcan save money.
But it's like that's not thecase, especially for queer
people and then the Latinxcommunity and a lot of
communities.
You can be gay, but you can'tbe trans, like I was out as
queer, but once I came out astrans, I was not okay too.
(13:08):
So there's different layers ofit.
So that's why I'm really on topof my finances and I help
others do the same.
Speaker 2 (13:14):
Forget that not everyone has that support system
at home.
You know, for example, likewith us, like if something we're
allowed to take, you know thesechances and stuff where, if it
didn't work out and we neededhelp, we needed money, we needed
(13:34):
some place to go from a housingstandpoint.
We have family and they willtake care of us, they will help
out, and a lot of people don'thave that, and it's just.
It's just.
It's baffling to me that peopledon't understand that a lot of
people don't have that support.
Speaker 1 (13:47):
Are you estranged because your mom married a Trump
supporter and you're like Idon't need that in my life?
Or did your mom say you got togo and just stop contact, Like
what's the situation?
Speaker 3 (14:02):
So she divorced that trump supporter and then she
started dating another trumpsupporter, because in the town.
Okay, we have a type yeahthere's like it's a rural
washington state which is notliberal at all.
As soon as you cross thecascade mountains, it's like
texas y'all it is dry, desert,sagebrush.
Red republicans like I didn'tcome out until.
(14:25):
I got out Like I went to danceswith Mormon boys, like
religious diversity there was,like, what kind of Christian are
you?
Are you Catholic or are youMormon?
Speaker 1 (14:34):
Wow, oh my gosh.
Speaker 2 (14:39):
Yeah, we've only been like the Seattle area.
Speaker 1 (14:41):
Right.
Speaker 3 (14:42):
Yeah, I went to Seattle for the first time to
live for months at a time to seewhat the cooler side of
Washington was like, and it wasdefinitely worth it.
But the rent is ghetto.
I was pet sitting full time tonot pay money on rent but I was
still spending more money tojust exist there than I was out
here, kind of in Europe, payingfor Airbnbs.
It's wild how expensiveSeattle's gotten.
(15:02):
Yeah.
Speaker 1 (15:03):
Okay, let's go into.
You were a stockbroker.
How do we go from I left home,I got a full scholarship I knew
I needed to be able to supportmyself down the line to I became
a stockbroker.
What is that trajectory?
Speaker 3 (15:19):
I didn't study finance at all in college, I
just wanted to be a socialstudies teacher.
I love history, like I'mautistic and I love memorizing
random facts and dates.
Speaker 1 (15:28):
I love that shit, but no one was you and brandon
could have an offlineconversation about that.
I love history.
Speaker 3 (15:35):
Yes, I love encyclopedias and books.
It's just like random facts,especially if they're
chronologically in order.
That's like porn for me.
But in my 20s I was like I wantto make a difference, I want to
save the world and I don't wantto sell out.
I don't need money because I'vemade it so far without money
because I was on financial aidand stuff and I've scooted by
(15:57):
and I grew up poor so I didn'tneed that.
What so?
I did the Peace Corps andAmeriCorps a lot of educational
contract jobs that wereexploitative and underpaid me.
I was on food stamps throughoutmy 20s and then, by the time my
late 20s hit, I found myself inDC trying to get a cushy
government job after Peace Corps, like most Peace Corps
volunteers do.
(16:18):
But it was the hiring freezebecause Trump had gotten elected
when I moved to DC and so Icould not get a job.
So I ended up being a bicycletour guide on the national mall
and doing lots of side hustles,blogging, pet sitting, and I was
like I can do this now.
But I got my top surgery in DCand I still remember I needed
the money so badly and I didn'twant to be in debt or fall
(16:39):
backward that even post topsurgery, when I was still
healing, I would walk the dogsand I wouldn't hold them on the
leash, but I would tie the leasharound my waist, which is not
something you should do.
You should recover for a fullmonth.
And I remember people sendingme money for the meal train, to
order food for me to go or fordelivery, but I was in such
(17:00):
scarcity mode that I stillcooked like all my meals and use
that money to pay the rent andnecessities and I was like this
is not sustainable.
I don't want 65 year old me tosuffer like this.
And that's when I got ittogether and I decided to hit up
a friend who helped me startinvesting in the first place and
showed me a chart of the stockmarket, and that's all it took.
(17:21):
She was like you don't need tobe making a lot of money,
because at the time I'd nevermade more than 30k.
But she's like as long as youstart now, this is how much
you're losing out on.
And she helped me max out myRoth IRA.
So it helped me just understandlike, oh, as somebody low
income, as long as I put 7k in ayear, I'll be fine.
And then I was like you'vechanged my life so much that I
(17:42):
want to have your job.
And so she said you can comework at Charles Schwab, where we
will pay you to take yourlicenses and your exams and
you'll make 45K and as somebodyunder getting underpaid.
Speaker 1 (17:59):
I was like oh, I can buy a sports car with that.
Speaker 3 (18:11):
Which even 45K.
You think, hey, stockbroker,you think that they're you?
You know, making hundreds ofthousands on wall street, you
know?
No, it was boring as fuck.
I'm sitting in a call center infucking indianapolis like
making password reset calls halfthe time.
It was not glamorous, I hated it, but I learned so much about
how the stock market actuallyworks and that you don't need to
be a fucking day trader.
I just saw so many casualmillionaire accounts and I just
saw them doing the same thingself-managing everything, open
up their iras, prioritizing theretirement accounts and then
(18:34):
making the brokerage accountstheir side bitches.
Oh, they need like money for adown payment on house.
Boom, sell some stock.
They weren't making it thiswhole thing about themselves
because they were rich white men, like they didn't have to do
the money healing and shit andmoney trauma.
Like they inherited these waysof just treating money like
their bitch.
And I was like, oh, I see howthis works.
(18:55):
And then, yeah, I quit my jobafter COVID hit like a badass
and that 45k salary, but I savedenough to just move to Mexico
and get a full ride to my MBAprogram.
And then that's when I startedmy business and I've been doing
it full-time for five years now.
Speaker 1 (19:13):
What is your business , Charlie?
Speaker 3 (19:15):
I'm a money coach, I thought I didn't know what we
said in the intro.
Like you said, we're going totalk about everything.
Speaker 1 (19:25):
Listen, yeah, no only only in our heads, but not out
loud yet.
Speaker 3 (19:30):
Yeah, I'm a money coach for six figure earners and
I attract people who are LGBT,bipoc, hella, neuro, spicy
people.
I attract hella people with,especially with ADHD and ADD,
because I'm like the autisticside, where I'm neurodivergent
but I can call them out onthings they might not be seeing
and I helped to gamify financesand make it a lot less scary,
(19:51):
which is what everybody needs,no wonder if you're
neurodivergent or not.
But, yeah, I help my clientsget on track to making 30K plus
in passive income a year throughsavings investments, leveling
up their credit card game,because a lot of them are making
six figures and they need toget their asses to the airport
lounge, but they're still usingtheir fucking debit cards debit
cards saving cash in venmo andI'm like no we're not doing that
(20:16):
.
Speaker 2 (20:16):
No, venmo is not a bank it's so interesting you
said about the um, ad and adhd,because we were literally
talking about this the other day, where um I to like with my
clients, kind of like make surethat they're comfortable to open
up to me about all differentaspects of who they are as a
person and when, those thingsbeing impossible, if you know
you are ADD, adhd, becausethat's going to make a
difference in regards to likehow we communicate.
(20:38):
And then also like, for example, like if you're someone who has
, you know you have a little bitof an issue as far as getting a
list of things done.
Me just sending you a list ofthings to do.
It's not the best way for thatto be accomplished.
So it was just very interestingthat you brought that up,
because we literally just talkedabout it with each other.
Speaker 1 (20:54):
Making those accommodations for people who
have whatever part ofneurodivergence.
I mean, I think in some aspectwe're all neurodivergent, right,
we all learn in our ownparticular way.
But making sure that you'reaccommodating your clients who
maybe, instead of sending themthe list of the items they need
to do, you schedule a call andyou do it together and you walk
(21:17):
through it together and checkthose boxes.
So that's I think it's soimportant because that financial
conversation is so intimate.
So, charlie, what you're doingand making sure that people
understand you know you're asafe space they can learn from
you.
You're not perfect.
We're not perfect, nobody'sclaiming to be.
I mean, you clearly have a veryspecific point of view when it
(21:40):
comes to your money story andit's been all over the place,
you know, from scarcity mindsetall the way to hey, I'm helping
other people manage their moneyand I can do this full time on
my own and venture out and startmy business.
I mean, those are not smallthings.
So I'm sure the people thatyou're working with are kind of
seeing the light right in interms of, hey, I can do this and
(22:03):
I don't have to be be a daytrader and I don't have to get a
finance MBA in order to grow mywealth and make better choices
so that my money works for me.
Speaker 3 (22:12):
Yeah, and I, as somebody who still has not made
more than 50K like last year, Ibarely paid myself more as a
business owner than I ever did.
At the nine to five I paidmyself like 46K just to stay
under that tax bracket Verystrategic.
Yes, I can do this, so can you.
If you can fully fund happyhour, you can fully fund your
(22:33):
401k, and that's just a big, bigthing.
I see with a lot of my clientsthey're making six figures but
still living paycheck topaycheck and it's like the the
six figure salary is not goingto do anything for you, it's
still going to work your off.
It's not going to do anythingfor you, it's still going to
work your ass off.
It's not going to save youunless you invest that money.
The point of making more is toinvest more, not to buy more
crap.
Speaker 2 (22:53):
Yeah, yeah.
If you don't change your habits, it doesn't matter how much
more money you make.
Speaker 1 (22:56):
Yeah, right.
Speaker 2 (22:57):
Because you're still going to have the same.
You know quote-unquote badhabits.
I really also like that, likethat.
So like I always tell peoplethat you know there's a reason
why people have a negativeassociation with financial
services because the industryitself has done a terrible job
in regards to how it helpspeople and then also just
overall, like I said, mail staleand what is it mail but I like
(23:22):
that it's now moving to a placewhere you have representation in
all different aspects.
You know, like I always tellpeople, the number one thing, if
you're going to work withsomebody with your money, is to
make sure that you feelcomfortable with that person.
And, like I said, there's alldifferent types of there's all
different types of financialservices, people that work with
all different communities.
And I just love seeing thatbecause, for example, like you
(23:42):
know the community that you workwith, like I don't have that
perspective in that because, forexample, like you know the
community that you work with,like I don't have that
perspective, so I can't putmyself in that person's shoes
and see through.
You know, that lens as far asthe things that they've
experienced, and it can be veryhelpful to have someone who has
been in your shoes and you know,experience the same things that
you've experienced.
Speaker 1 (24:00):
But you do have clients who are part of the
LGBTQIA community and they, Imean, we are a safe space, right
.
So.
But I think that perspective ofopenly saying I'm
neurodivergent, I'm trans, I wasundocumented, I mean you're
ticking a lot of boxes forpeople who might be coming into
the space really scared to openup and talk to anybody.
(24:23):
So I mean it's so wonderfulthat you're a resource for
people who need it.
Speaker 3 (24:33):
I'm like here's how I've been fucked over, but
that's not an excuse anymore,y'all.
And I haven't had like impostersyndrome.
When I first started mybusiness, I did feel some type
of way when a lot of black womenwould come to me and I was like
, oh my god, I'm not black, Ican't help them.
Why are they coming to me?
Speaker 1 (24:48):
And it's like, no, I don't have they're not coming to
you to get your hair braided.
They're not like lay this downfor me, Get my edges boo Like.
That's not what this is, youknow?
I mean, this is me going it out, okay, I feel like the Italian.
Speaker 3 (25:04):
Italian, that's fine, I love it, oh, it's so good.
But yeah, I've had to overcomethat and be like, oh, okay, I'm
here to help them with theirmoney and I'm approachable and I
make it fun and not make itabout me and how, oh, but I just
can't understand them on thislevel too.
It's like not about that too,which I feel like a lot of
people stop people from startingbusinesses because they they
(25:26):
have a fear of being to this orto that and they can't relate.
Like when I started my business, I was like, oh, I might be too
white for a lot of people andthank God I didn't listen to
that imposter syndrome in myhead and just like popped off
and went off and was just like,yeah, I have white privilege,
but also, this has been fuckedover.
Speaker 1 (25:48):
Yeah, and you, you clearly speak fluent Spanish, do
you?
Because I know Brandon workswith a couple of people whose
parents are Hispanic and there'slike a little bit of things are
getting lost in translation andso the children will come on to
help with translating.
Because, again, like and wetalk about it all the time, the
finance lingo, right, theabbreviations, everything's an
acronym.
(26:08):
I mean it's hard to understand,let alone you get into loan
terms and conditions and I meanit's, it's a lot.
So have you, are you alsocoaching in Spanish to help
people who might have a languagebarrier?
Speaker 3 (26:22):
No, I insert some Spanglish in there, like one
time I had a client and we weretalking about her boyfriend and
we switched to Spanish so thathe didn't understand what was
going on.
He was having some like moneydrama around him.
She's an Aries and he has someother signs.
So I was inserting and we'reall like queers, love astrology,
(26:42):
and I'm like listen, you haveto stop losing your shit.
You're Aries, I'm Aries rising,but my gosh, this is how you
can approach that moneyconversation.
So that's how it's come inhandy for me.
And now they've been together.
She just bought a house, um, soyeah, that's how I've
subversively been.
Speaker 2 (26:59):
Like, let's talk about this in Spanish I think
what I noticed from like myexperience was was that in those
scenarios with the parentsspoke English and which I would
say, and I think speakingenglish with a accent and some
(27:28):
people's minds makes the personthink that the other person is
not as smart, and so the waythat they were interacting with
the person was in a um, kind oflike a like talking down to them
, yeah, and I was like, yeah,that's, that's a terrible
experience, you know, and that'swhat I think I has happened
when, when it it comes to havingto translate and stuff, so it's
more or less not that I don'tunderstand her, I would make
(27:50):
sure she understands me.
So it's like your English isfine, my Spanish is absent,
non-existent.
Speaker 1 (27:58):
Yeah, but just making people feel comfortable and not
dismissing them because of anaccent.
Speaker 2 (28:03):
I'll say the one question.
I have kind of like a personalquestion to ask, in the sense of
what are some of the thingsthat you've experienced in a
negative standpoint from afinance like maybe some
financial hurdles as being trans?
Speaker 3 (28:16):
Being trans financial hurdles it's hard for me to
think of them becauseeverything's online and
investing is so democratic whereyou, just as long as you
understand the words, you justclick buttons.
There's not like votersuppression and things like that
.
For me, being trans in my lifeis more of a hurdle when I'm
(28:38):
trying to like get a haircut andI want to go to a barber and I
was just in Ireland and thesigns on all the barbershops
were like this is for gentlemenand their sons, and that's why
I've like grown out my hair,kind of Cause I just don't want
to deal with going to abarbershop, cause I've been in
some like queer friendly citiesand I've been turned away
because they're just like no, weonly cut hair for men.
(29:00):
I'm like okay, so I need tohave a dick to get a haircut
cool, okay so is hair not hair.
I'm so confused yeah, and thishappened in puerto vallarta in
mexico, which is a very gayfriendly yes and it was a gay
male barber who told me this tooso I'm.
That's why, like, transphobiacan be alive and well, even
(29:21):
within like gay spaces.
Being gay does not mean you'requeer and inclusive, especially
with the gay male community.
Yeah, I was very divided when Iwas there.
It was like that's the spacesfor the gay men and this is
where all the other trans, queer, assigned female at birth, like
everybody else like, would hangout together.
It was very segregated anddivided, but in terms of being
trans, I think it's the familyestrangement for me, where I'm
(29:44):
just like I don't have anybodyto fall back on.
Yes, I've chosen family and I'vehad friends who I've had to be
able to crash within my 20s tosave money on rent, but I didn't
want to be that friend in my30s, 40s, 50s.
Being like can I sleep on yourcouch Because I can't find a job
right now.
So that's more of my transnesshas influenced me getting it
(30:08):
together and wanting to spreadthe word, because I've had white
people mostly be like if youare so good at growing your
money, why don't you just investit for yourself?
And I'm like, because I'm not aselfish ass person, like I want
other people to benefit as well.
It's not about me.
Speaker 1 (30:20):
Let's talk about the life that you're building,
because you are all over.
I love following you onInstagram.
You're always in a differentcountry, different city.
I remember vividly the place inSeattle, I think it was because
it was gorgeous and I was like,Charlie, where are you living?
I need the Airbnb, this placemyself.
Oh my gosh, the windows, theviews that you are like.
(30:42):
I mean, I know you have yourcoaching business, but you're
also like no, I'm going totravel the world and I'm going
to see all the things I want tosee.
So my understanding is you'repet sitting in these places.
So are you going where you wantto go and then opening yourself
up to pet sitting so that youhave a place to stay?
Or like, walk us through thejourney, Because I think the way
(31:05):
you're living life right now isjust really awesome.
Speaker 3 (31:08):
Yeah, I mean a year ago I had to rehome my beloved
cat, Luna, who I adopted inThailand, and I brought her ass
all the way over from Thailandto LA and then to Mexico and, my
gosh, I told her girl is doingfine, she has a car.
Now I don't even have a car.
She has a boyfriend.
She's like Luna is living herbest life.
Speaker 1 (31:29):
Yeah, she's fine.
Speaker 3 (31:30):
I miss her dearly, but I rehomed her because life
on the road was not for her andI realized that I'm not done
with traveling, especially assomebody with chronic health
issues.
Like the older I've gotten, themore I'm like, fuck, we need to
travel the younger we are,cause if I'm tired and getting
overstimulated already, I canonly imagine how bad this shit's
going to be when I'm 50 or 60.
(31:50):
I will not wait until I'mretired to see the world when I
have the creaky knees and theaching back like it's only going
to be downhill from here.
Y'all yeah Um.
But then I I decided to uh, Ididn't pet sit right away
because of the grief and I feltlike shit for rehoming her.
I had to get over the guilt formonths, but then, once I got
(32:10):
over that, a few months later Idecided to move to the Pacific
Northwest to reset my nervoussystem and my inflammation,
because I'd been living by thebeach, going to hot ass places
for the past four years, goingfrom Thailand to to Mexican
beaches in the middle of wintertime, and my health coach was
like you need to go someplacewith a winter to reset, cause my
(32:33):
hypothyroidism was so bad thatI was so sensitive to the cold
and that made my informationworse that after doing the
health cleanse with her, I waslike, okay, let me go to the
most depressing winter, thePacific Northwest, where it's
cloudy.
Speaker 1 (32:47):
Yeah, gosh, what the fuck's up.
Speaker 3 (32:49):
How much did I heal because I'm a virgo and I'm all
or nothing.
Speaker 1 (32:53):
I'm like let's see how good I fix this shit you're
like, let me go to like kneedepths of snow and really reset.
Speaker 2 (33:01):
No thanks I'm good on that one, the Pacific Northwest
.
Speaker 3 (33:05):
the winters are actually kind of mild, it
doesn't snow a lot, it doesn'tstick.
And I decided that since therent was so ghetto I'm talking
like $2,500 just for a basic-assstudio I was like let me just
see what will happen if I payfor a trusted house sitters
membership it costs $120.
And let me just see if I canpet sit while I look for a place
(33:32):
or find something moreaffordable.
And then, since I was basedthere, it was a lot easier
because the people on trustedhouse sitters they want to know
if you're based there.
They'd rather have somebody wholives in the place than
somebody flying over fromGermany who might miss their
flight and then fuck over theirpets.
So that's why it was easy forme to get sits booked in Seattle
and then I was able to fly toAnchorage, alaska, uh, to pet
sit for a queer couple there tosee the Iditarod and then pet
(33:55):
sit in Portland.
So I was like hopping aroundthe Pacific Northwest.
And then I assumed it would bethe same Now that I've been in
Europe since April.
I was like I need to get thefuck out of the U?
S?
Um for political and personalmental health reasons, uh, and
then I was like, oh, let me justdo the pet sitting thing in
Europe.
But I'll say it has been achallenge.
It has not been as easy at allpet sitting, cause I'm not based
anywhere, I'm going around.
(34:17):
So I was like, let me fly toLondon and then see what's up,
maybe if I can put my locationas London and it'll be easier.
But by the time I'm in Londonand I've seen everything, I'm
ready to move the fuck on.
But I have gotten only threepet sits confirmed the entire
three months I've been here, andthey're all through Facebook
groups for my college alumnigroup.
So at first I was kind ofannoyed and pissed.
(34:40):
But I was like dude, you'rejust gonna have to spend more on
Airbnb.
So you've saved tens ofthousands of dollars by pet
sitting anyways.
Like you'll be fine, like allthe rent you've saved will be
able to go toward the airbnbs.
And I don't have an apartment,I'm not paying tens of thousands
of dollars in rent back home.
Like my airbnb is still my rentand I'm getting credit card
points off that as well.
(35:01):
So that's the worst casescenario.
Um, and I think the universethrew this lesson at me of like
this is what money's for baby,like budget for it.
It's OK for you to increaseyour expenses.
Don't get pissed off if thingsaren't going to work the same
way here.
And it has been nice Like Iknow that I'm going to be pet
sitting for three weeks inBrussels, so I have a skeleton
of oh by these dates once amonth I know where I have to be
(35:27):
and then I cater the rest of myitinerary outside of that.
But I have faced a lot ofdecision fatigue.
It was a lot more overwhelmingthan I thought, because it's so
juicy being in Europe.
There's so many amazingcountries to go to, so much food
to eat, so many prides going onand I've had to ask chat GDP to
help me calm the fuck down andrein it in and be like you bitch
.
You need to stay for five daysin a place.
Speaker 2 (35:47):
Stop doing this Like no, no, every two days is we
have definitely had theconversation about when or if,
if and when you know to leavethe United States, based upon
kind of the trajectory it'sgoing on right now.
Yeah Cause, uh, jess and thekids have dual citizenship in
Germany, oh so what do you know?
Speaker 1 (36:09):
I know, I know it's a conversation, I think it's.
You know, when you add thelayer of kids and school and
uprooting and it, I think itbecomes a little bit more
difficult.
I think if we didn't have kids,we would at least be like, yeah
, let's go over there for sixmonths and like check it out or
feel out the vibe, where do wewant to be?
(36:30):
But it's definitely on the list, what so?
How long are you going to be inEurope?
What's the plan?
Speaker 3 (36:46):
like the only reason I'm going back to North America,
because I'm a good friend, soI'm flying straight to San Diego
and then, you know, I go to awedding in Rosarito in Baja
California, and then part of mejust wants to come back to Italy
and take Italian classes andstuff out here I.
I spent a month in the UK andthen Ireland, northern Ireland I
was like this is cute.
But now that I'm in Italy I'mlike, oh, this is my, my vibe.
(37:07):
It's just so sunny and peopleare friendly and I love how
stimulating it is to hear adifferent language.
That kind of sounds likeSpanish.
So I'm like problem solving andtry to figure it out and like
trying to remember some of theItalian I studied.
So it's a lot more mentallystimulating for me being here
than in completely Englishspeaking countries.
Speaker 1 (37:24):
I'm glad.
Speaker 3 (37:25):
I went, but next time I'm flying the fuck out here
directly.
Speaker 2 (37:29):
Yeah, I've been to England several times and I
haven't really noticed higher togo back.
Speaker 1 (37:33):
No offense but unless I'm like.
Speaker 2 (37:35):
I'm a big soccer fan, so I'd go watch a Manchester
United game.
Outside of that, I'm good.
Speaker 1 (37:41):
Yeah, charlie, you've had quite the roller coaster
and you are, you know, buildingyour life the way it makes sense
for you and for you to feelgood and have purpose.
You're helping others.
What, what is the future holdfor you?
What are you most excited about?
Speaker 3 (38:04):
Trump not being president about.
Speaker 1 (38:05):
Trump not being president, okay, him aside.
Yes, we'll retweet that, yes.
Speaker 2 (38:12):
We still got way too many years.
Speaker 1 (38:15):
It's only been like five months guys.
Speaker 3 (38:22):
Not even I know we're exhausted.
I know, yeah, it's my littlecountdown.
Speaker 2 (38:25):
I'm like okay, the term is a long countdown, oh my
gosh, 48 months the math is notgood I do love it when we
because we post this on likeyoutube as well, and anytime we
get into political stuff, youget the you know the trolls and
stuff like that.
Speaker 1 (38:39):
So it's always like we love this until you got
political and we're like greatmoney is political.
If you don't understand that bynow, like we are not for you.
Speaker 3 (38:46):
Yeah, yeah.
I mean I will say in Europeit's nice.
No one asked me if I voted forTrump or not, because I'm so
queer, I'm so fucking gay thatpeople know I'm on the left Like
, unless you're blind, my gosh.
Yeah, I'm excited about myhealth being good because a year
ago I went through my healthcrisis where I had the worst
(39:09):
inflammation eczema flare-up ofmy life after being on steroid
creams for decades.
The steroid creams stoppedworking and my dermatologist
wanted to put me onimmunosuppressants.
And the doctors didn't knowwhat was going on.
I had multiple bacterialinfections, I had a leaky gut.
I didn't understand what wasgoing on and none of these
Western health professionalscould help me a lot.
(39:30):
So I hired two health coaches,realized I was like almost
pre-diabetic because I hadinsulin and sugar absorption
issues I had no idea about and,yeah, the hypothyroidism, which
was what making me go to allthese hot ass places, making my
inflammation worse.
So I'm really proud of myselffor investing a lot of fucking
(39:51):
money.
It was not cheap Hiring allthese health coaches and
shopping organic in the US isn'tcheap but I'm so happy that I
invested in myself because youcan have a pop in 401k, a six
figure salary, but if you're nothealthy, none of that matters.
And today, for the first timeafter a year of not going
swimming in the ocean, I wasfinally able to swim in the
ocean and it felt so nice to nothave my face hurt or be in pain
(40:14):
or have to apply cream rightafter.
I was like, okay, this the theglow up was.
It took a long time for me tonaturally heal and purge all the
crap and detox, but now I canhave pizza.
I've stopped drinking alcoholbecause the headaches aren't
worth it anymore, and I've hadto be good about my health
habits.
I've had to stop drinkingcoffee first thing in the
(40:35):
morning, but it's, it's beenworth it.
So I'm excited to be able toget back on track to traveling,
because I couldn't look away.
My health issues were so bad andI love sharing it because I
know it resonates with a lot ofpeople.
As a highly sensitive person, Iwas angry at my body.
I was like these fucking 70year olds can drink 10 beers and
not feel a thing.
(40:55):
Why me?
Why me?
And I was like, oh, theyprobably just have like chronic
headaches or IBS or other things.
It's not like.
Your immune system manifests indifferent ways, it looks
different for different peopleand I think that if I'd had
chronic pain, I wouldn't.
I would have waited even longer.
It was the eczema and my skinbeing so bad.
And the Mexicans I have nofilter.
(41:16):
They'd be like what the fuck iswrong with your skin.
Your skin looks burned.
What the fuck?
Every day I go to like thegrocery store and they'd be like
, oh, your skin looks bettertoday.
Every day I'd go to like thegrocery store and they'd be like
, oh, your skin looks bettertoday.
Oh my God, what's wrong withyou?
And I think for that reason,because my chronic illness is
such a front facing thing, Ifinally decided to do something
about it.
But it took 33 years to forthis to happen.
(41:36):
So I'm excited to be able tosee the world taking care of my
health and living that slowerlife and honestly, there's a lot
of slow days out here.
I've been in Southern Italy forfive days and I've only taken
like one day to see everything,but I've had to be okay with
that and laying low and restinga lot more than in my 20s.
(41:57):
It's a lot about compromise,because this is the long term,
this is my life.
I'm not here for a two weekvacation, so why would I
pressure myself to like?
In Spanish we say sacarle eljugo, like take the juice out of
everything.
I don't have to do that anymore.
But that's a lot of scarcitythat I have to remind myself of.
That a lot of my clients dealwith is letting go of that
scarcity of like we got to dothis all now in Europe.
Speaker 1 (42:22):
I mean, yeah, you'll sit on a Sunday and have a four
hour breakfast or brunch orcoffee, you know, coffee meeting
with a friend, or it's justsuch a like.
No, we're here to enjoy life,not just work ourselves to death
.
So it's nice that you get toexperience that more regularly.
If you could leave ourlisteners with a piece of advice
(42:43):
money, life, you know, finance,growth, investing, whatever you
want it to be, what, what wouldyou say?
Speaker 3 (42:52):
Stop asking people for advice.
Who's like money lives don'treflect what you want yours to
look like.
Like the stock market crashed afew weeks ago and everybody was
posting on Facebook groupsasking other people who didn't
understand what the fuck theywere doing, what they should do,
and now that's the stockmarket's fully recovered.
It's so quiet now and it's likethis is going to keep happening
(43:13):
.
Y'all.
The stock market was designedto crash Always, has, always
will.
So get it together and hire,like a coach, a financial
professional to guide you.
And you're at this level ofbuilding wealth.
You can't afford not to investin your money and your growth,
so that you stop stressing outevery time the stock market
(43:34):
crashes.
It's really clear.
I think, being money coaches,you can see like we were nervous
and stuff.
We were seeing the stock marketcrash.
But I think I was nervousbecause I was like fuck, this is
going to affect a lot of people.
I wasn't.
I was worried about my finances.
I was just worried about howthis was going to emotionally
take a toll on people.
But once you understand how itworks, you can like separate
yourself and that's why we dowhat we do to calm people.
Speaker 2 (43:53):
The fuck down about money at the end of the day and
enjoy their lives you know,setting them up, for I think
really what is important isframing it for them and so that
they have a very, very goodunderstanding as far as how the
stock market works.
Like you said, like it's goingto go up, it's going to go down.
You know, most of my clientsare around my age, so I was like
(44:14):
a lot of the money that you'relooking to use you're not going
to use for another 20 years.
This is going to happen so manymore times.
Yeah, just go, don't worryabout it.
Just understand and also takethe opportunity.
Speaker 3 (44:31):
And really explain to them what the opportunity can
be when the stock market doescrash.
For you, yes, speaking mylanguage.
Speaker 1 (44:37):
Charlie, where can our listeners find you if they
want to connect and follow yourjourney?
Speaker 3 (44:42):
You can follow my Italian traveling saga on
Instagram.
By the time this drops, I'llprobably be in New Zealand.
I don't know.
I'm at Traveler Charlie onInstagram.
My podcast is called UnicornMillionaire and I have a blog
(45:03):
called unicornmillionairecom andI offer six-month money
coaching programs all the timefor people wanting to get their
money right, and I sometimesoffer one-off calls.
I like to call them DOMsessions.
You can DOM your money insteadof the other way around.
Speaker 1 (45:15):
I love it.
We will make sure to link allof that in the show notes.
Thank you so much, Charlie, forbeing with us today.
We appreciate you so much.
Speaker 3 (45:23):
Yay, thank you, and let's get you to Germany.
Yeah, we appreciate you so much.
Yay, thank you.
Speaker 1 (45:27):
And let's get you to Germany, don't forget.
Benjamin Franklin said aninvestment in knowledge pays the
best interest.
You just got paid.
Until next time.
Sugar Daddy Podcast, yo Learnhow to make them pockets grow.
Financial freedom's where we goSmart investments, money flow.
Thanks for listening to today'sepisode.
(45:48):
We are so glad to have you aspart of our Sugar Daddy
community.
If you learned something today,please remember to subscribe,
rate, review and share thisepisode with your friends,
family and extended network.
Don't forget to connect with uson social media at the Sugar
Daddy Podcast.
You can also email us yourquestions you want us to answer
for our past the sugar segmentsat the sugar daddy podcast at
(46:11):
gmailcom or leave us a voicemailthrough our instagram.
Speaker 2 (46:15):
Our content is intended to be used, and must be
used, for informationalpurposes only.
It is very important to do yourown analysis before making any
investment based upon your ownpersonal circumstances.
You should take independentfinancial advice from a licensed
professional in connection withor independently research and
verify any information you findin our podcast and wish to rely
upon, whether for the purpose ofmaking an.
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