July 8, 2025 • 43 mins
They said life slows down after fifty… but we didn’t get that memo. In this episode of Timeless & Unfiltered, we’re getting real about what comes next. We talk about shifting priorities, chasing new dreams, letting go of old expectations, and finally doing life our way. From wellness and wealth to passion projects and passports, we’re mapping out the next phase—and it looks nothing like retirement.
Let’s redefine what fifty (and beyond) really means. Spoiler: we’re just getting started.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Being a little older, we were trained different about
money, trained different aboutcredit.
We were taught different thingsabout credit and credit cards.
Rich people are always in debtbecause they never touch their
own money.
We always hear it all the timeother people's money.
That's credit cards.
You got a $20,000 card.
You got a $10,000 card.
We need to have $50,000 atclosing.
You pull $10,000,.
(00:21):
You pull $10,000.
I'll pull 10.
You pull 10, you'll pull 10.
We got 50 000.
Speaker 2 (00:30):
Let's go close on this apartment building together
.
This is legra.
This is stephanie.
Speaker 1 (00:35):
This is sheree and this is ivania.
And this is timeless andunfiltered, where we are
spilling the tea on midlife.
One laugh at a time.
All right, you don't havenothing special, did you?
No little song or ditty youneed to, do you?
(00:58):
Still nasty girl?
She left over, left over fromthe last time.
You still nasty girling?
Huh, you been nasty girling allweek, yeah, okay.
This is Lekra, with Timelessand Unfiltered.
This is Stephanie, this isSharice and Evanya is out with
us today.
However, we still gonna keepspilling the tea on Midlife.
(01:18):
One laugh at a time, one laughat a time.
You been nasty girling all week, huh.
Speaker 2 (01:24):
With nobody to be nasty with.
Speaker 1 (01:29):
Ever since we did that episode, you just called me
talking about nasty girl.
I'm not nasty for real.
Uh-huh, you need to be Justlike, please, jesus.
Well, let's talk today a littlebit about just kind of what's
next in our lives Transitioning.
I know we've been all talkingabout different career things.
First of all, we all have ourown careers, own businesses, um
(01:51):
things like that.
But what's next?
What's?
What's what's next in thisfabulous 50s?
Speaker 2 (01:58):
you know what I realized the days of retiring
from a job.
If you're not, if you haven'tbeen at that job for a specific
amount of time, I don't thinkthere's any such thing anymore
as retiring from a position.
I agree um because, like I'vetalked about my transition, um,
(02:19):
in employment, and so it's likeI feel like I always have to
have some type of backup, likesomething, or even a partner in
life.
Why does the voice do that?
Because it's like it'sstressful, it's just I think
it'd be easier with a partner,because if one person lost their
(02:41):
position, then somebody elsecould hang on to things, but if
it's just one person, you'rejust at God's grace, which God
has been graceful with me, andso I know for me I'm working.
Thank you Jesus, thank youJesus.
But I'm trying to pivot maybe alittle differently in my life,
(03:04):
where I want to be like adigital nomad, and so I'm in the
process of trying to sell myhome and I feel like I don't
want rent, I don't want mortgage, I just don't want all that
overhead anymore.
Or if I do do it, I would wantto do it with a partner the next
time.
I don't, it's a lot.
Speaker 1 (03:24):
So your home is on the market and if you sell it
here anytime soon, what's theplan?
Speaker 2 (03:29):
I'll be traveling around, so I have certain cities
okay that I want to go post upat, so my daughter's in tampa.
So I said I'm gonna come downthere for like two weeks, did
like a little airbnb orsomething.
Sit down there with her for twoweeks then I want to go to
phoenix, sit there for like twoweeks somewhere.
Speaker 1 (03:46):
Then I want to go to Dallas well, let me know when
you go to Dallas.
I'm like I'm hanging out.
Speaker 2 (03:50):
Okay, then I want to go to Dallas, and then I want to
go to Chicago.
Oh yeah, let me know, we go toChicago and then.
I want to go to Manhattan for acouple of weeks, get Airbnb.
I want to post up and just walkaround, become a local at the
bar, like for a couple weeksyeah, yeah because, plus, I want
to open up my own bar.
So it's really essentially megetting out talking to bar
(04:12):
owners.
I'm like, hey, so how you just?
And then I want to open updifferent locations.
So me traveling around creatingnetworks and maybe securing
bases for my my own bar is whatI want to do.
And then I want to go to londonand I want to stay in london
for like a month.
Let me know when you go tolondon.
Yeah, I want to stay in londonfor a month.
I want to go to italy, stay initaly for a month and, uh, maybe
(04:36):
thailand for a month, oh, wow,and then I'll just, hey, welcome
back us.
Um, but I just want to get outand do things.
I told my kids listen, I'mabout to be gone.
How's gonna be gone?
I don't have anything tetheringme here right now, so I'm gonna
go, experience some things andstart doing things by myself.
I've always waited for peopleto do.
(04:57):
You gonna come with me, you go?
Yeah, I'm about to get out solotravel.
Speaker 1 (04:59):
So, yeah, I'm about to do it, so that sounds
exciting it does.
Speaker 2 (05:03):
I'm about to do it.
So that sounds exciting thoughit does, I'm like, please, jesus
, let it work out, it's going towork out.
Speaker 1 (05:10):
But you know what Plan?
Plan one from planners oftravel.
Speaker 2 (05:14):
Yeah, plan one phase at a time.
Speaker 1 (05:16):
Yeah, that's all I'm going to do, you know what I'm
saying, because you may have itmay not go exactly like that,
but you know what I'm going tobe here for two weeks and work
them two weeks and then you know, then, what's the next phase?
You may have to skip one and goto the next one and come back
to that one.
Speaker 2 (05:31):
You know what I'm saying.
Like don't get stuck toanybody's structure or schedule.
I want to meet different people.
It's just a whole big old worldout here and I always I told my
kids we're not limited to justliving in the US, you can live
anywhere.
That's why I started travelingwith my kids abroad very, very
early, Like we don't have tojust stay in Georgia, we don't
have to just stay in the US, wecan just branch out.
(05:54):
So I've been like, yeah, I wantto go to China.
They're like what?
Speaker 1 (06:07):
Listen, I'll get them started over there.
I'm like I just dead asswanting to do something
different.
So it's exciting though.
It is exciting.
So just you know, have thatlittle girlfriend time.
Yeah, be like uh, yeah, y'allgonna come on.
Yeah, I'm coming out to chicago.
You want a thailand?
Come on.
I love london.
London.
I have and I have not been tolondon in years, but it is still
probably one of my favoriteplaces.
I think it was, I think it wasthe.
It's something about thehistory, like we don't have
(06:30):
places like that.
We have plantations you can govisit you know, I might want to
see that you know what I'msaying but when you just walk
and all of a sudden a big oldcastle pop up, you're like, oh,
with the rolling hills and thesheep up on in the meadow yeah,
like in the movies, you knowlike like in the movies Wow, we
don't have that kind of historyover here.
Speaker 2 (06:48):
I want to see it in my life and not just on TV.
The cobblestone streets andeverything still looks like
gingerbread houses and stuff.
Speaker 1 (06:56):
Yeah, there's still a lot of communities and stuff
like that.
It's amazing, I'm going to doit.
I love London.
Now you're going to be hungry.
I'm going that.
It's amazing, I want to do it.
I'm gonna do it.
Yeah, I love london.
Now you're gonna be hungry andyou know you're gonna have to.
You're gonna eat a lot ofamerican food because I'm I'm
telling I don't care, they can'tcook.
Speaker 2 (07:12):
Probably, I would assume, carry your own seasoned
salt and garlic pepper.
Yeah, bring your hot sauce.
Bring because and they makethem on little key chains now
where you can carry.
Speaker 1 (07:22):
Yeah, you're gonna need you're going to need it,
just so you know you're gonnaneed it, anything european,
you're gonna need some seasoning, I imagine all right, yeah, I
imagine because I love seasoning.
Yeah, but the experience isabsolutely amazing yeah I love
it.
I always, at the time that Iwent to london, I think I had
just gotten married and Iremember being in london like
(07:43):
damn, I got to go home, don't I?
I got married.
Damn, I got married, dang youliked it.
You know how people will govisit somewhere and just never
come home.
Mm-hmm, I probably would havedone that if I had not had just
gotten married.
Speaker 2 (07:55):
Oh, I can't wait to go.
I probably would have neverjust came back home.
Speaker 1 (07:58):
Wow, I love London.
I'm walking next to a skinhead.
I'm walking next to an Africanwho speak, who got an English
accent.
I'm walking next to a Chineseperson.
I'm walking.
The diversity I love thediversity.
I love the, the culture.
I love the, the jump on a trainand be in Paris.
(08:19):
You know what I'm saying, likejump on a train and be.
You know what I'm saying.
It's different than saying I'mgoing to Miami.
Speaker 2 (08:26):
Yeah, or to Jamaica.
Speaker 1 (08:28):
Yeah, I'm going to.
Speaker 2 (08:28):
Miami.
It's just a different side ofthe world.
Speaker 1 (08:31):
And do the same thing , and but the connection of
being able to get to so manydifferent places.
That's what I want to do youknow, I think I'm going to be in
(08:51):
amsterdam.
Or you know, I'm saying I love,I want to experience.
Speaker 2 (08:52):
Yeah, it's that, that was for me, I wouldn't have
came home if I had not have justgotten married, yeah, I might
not come back, I'm just gonnastay here.
Speaker 1 (08:57):
Well, I'm coming to visit in your flat, in your flat
, in your flat because you knowthey love to live in flats in
your flat for a month.
So what's next?
What's your next phase of life?
I know we're getting ready forretirement.
Yes, December.
Speaker 3 (09:13):
Yeah, that's great.
I can't believe it.
I've been talking about it, Iknow.
But yeah, I know December andit's interesting.
I was listening to you and wehaven't even talked about what
we're doing really next.
Speaker 2 (09:26):
But yeah, I'm going to have a travel buddy.
Speaker 3 (09:30):
Yeah, girl, but I'm staying like three months, so
like Costa Rica three months.
Speaker 2 (09:34):
Hey, listen, I'm dying.
Mexico City three months, I'mdown.
Speaker 3 (09:37):
Like just different.
I'm just going to go todifferent countries and just
stay.
Speaker 2 (09:46):
Oh, luckily, you to go to different countries and
just say oh look, look, look.
Speaker 3 (09:47):
Your eyes is back.
You'll be everywhere with us.
Yeah, I'm not sure.
I'm really not sure how muchmore travel.
I want to do in terms of thebusiness, yeah um, I don't know,
I I luck, me luckily just didwell enough I could do it or not
yeah, you know, and so it'sjust like in my next phase of my
life.
What do I want to do now?
(10:10):
I enjoy the travel and puttingtogether the events and and
whatnot, but it's it.
Speaker 2 (10:16):
It can really be a choice now yeah, even what I
decide to do, or not, do youknow?
Speaker 3 (10:20):
what I mean so and we can work from anywhere.
Speaker 2 (10:24):
That business.
Speaker 3 (10:25):
We can work from anywhere.
Speaker 2 (10:26):
We put the work in, so now it's like luckily we did
something.
Speaker 3 (10:34):
No, you're going to be right there with us.
No, I won't.
Speaker 1 (10:36):
I won't be there.
Why not?
I won't be there because I'llbe here building this portfolio.
It still can happen, I know butI got to come and see, I got to
check on my properties.
Speaker 3 (10:47):
Oh, yeah, you got to do that.
Speaker 2 (10:49):
You can take breaks.
Speaker 1 (10:50):
I'm knuckling down.
Speaker 2 (10:52):
Let's say you leave right after closing.
You done got the house together.
Okay, we closed.
All right, you can take a break.
Speaker 3 (10:59):
You're going to have the people in place to run a lot
of it for you.
Speaker 1 (11:02):
That's what y'all said.
Speaker 3 (11:03):
But okay, if you're putting it together, I get it
yeah.
Speaker 1 (11:08):
You can take breaks.
Yeah, I would take a break, butI couldn't be gone that long.
Speaker 3 (11:12):
Well, no, no, no, we're not saying that long,
we're just saying we'll be there, so come in and come out.
Speaker 2 (11:16):
Yeah, I'm going to pop in, yeah, Now, if you find a
six, five, hello beautifulchocolate man I don't even care
what country you're from, aboutsix
Speaker 3 (11:33):
five, yeah, um, but let me know that's, that's,
that's my goal, and you know Ilove zumba like nothing ever I
really want to be a zumbainstructor.
I've always said when I retire,I want to be a zumba instructor
.
And so um always said when Iretire, I want to be a Zumba
instructor.
And so what we talked about,our last one of our episodes, we
did about, you know, makingsure that we keep our bones and
moving in motion.
(11:54):
I was thinking about that.
But yeah, I always wanted toretire and be a Zumba.
Look at that.
Speaker 2 (12:01):
I've been trying to figure out what my old lady job
was gonna be.
I ain't gonna have one so listenthat's the goal because I just
like god, we're getting older.
So I tell you, I'm constantlychecking, like my ssi, like
where am I at now?
Where they got the 62 you canyou get 2000 and they're like
really trying to push us to worktill we're 70 and I'm like
(12:22):
ain't nobody holding on topeople working that long anymore
?
They're just not.
It's like the younger peopleare now in charge and they're
like you all, like my grandma,and they like letting the older
people go.
Speaker 1 (12:32):
So I can't imagine a lot of people still working till
you're 70 to get your full umSSI benefit but um.
Speaker 2 (12:41):
So in my mind I'm like well damn, if I gotta work
that long, what would my job be?
Because I know I'm like welldamn, if I got to work that long
, what would my job be?
Because I know I'm in the ITfield.
It's so fickle in there rightnow.
And so I'm like what would mylittle old lady job be?
And so I don't want to be agreeter at Walmart.
Speaker 1 (12:57):
What's the old lady job?
Speaker 2 (12:59):
I think I want to look at the eye doctor's place
and so I would tell, yeah, thisframe look good on you because
your skin tone.
I think I would help people gettheir eyeglasses.
I would want to work at alittle, a little.
I was just like what that willbe my old lady job.
I can see fire me from helpingme try these frames on hey baby,
(13:23):
hey baby, it's not, it lookgood on you because I just had
my eyes done, okay, like, yeah,I think that would be my old
lady job.
I'm not gonna really, I'm gonnabe rich and sitting down, okay,
but if I had to have a, oh, Istarted thinking about my old
lady job, ain't?
No, most people like y'all,like what the hell.
Speaker 1 (13:42):
I'm sitting here right now going what the?
Speaker 3 (13:44):
hell.
My brain, I'm going tooverthink or I think about, or
even just to stay active.
Speaker 2 (13:49):
Something to do, because when I realize, people
retire.
They still want to go back towork.
They want to do something.
Yeah, because if you don't dosomething, it's like your game
is over.
Speaker 1 (13:59):
So you got to create a new game.
And so yeah, that game, and soyeah, that's why I was thinking
about?
Speaker 3 (14:06):
why is my brain in a whole different?
Speaker 1 (14:07):
place right now.
That's how people think.
Yeah, my brain is in a wholedifferent place right now.
My I don't.
I don't have a my old lady job,and maybe it's because I really
haven't had a job yeah, thatmight be the difference so it's
always from an entrepreneurialperspective.
Like I can see myself, 70 yearsold, out there standing in
front of a house that's beingbuilt, that I'm building as a
(14:29):
partner complex or something at75.
Like she, she's still buildinghouses.
Well, I won't be building it,it's just fine.
Speaker 2 (14:38):
It's just the finance .
Take care, I don't want to.
Speaker 1 (14:41):
I don't want to have to be on anybody's clock to go
do something.
Speaker 2 (14:44):
Yeah, but I don't want to have to be on anybody's
clock to go do something yeah,like if I want to, but you might
want to get out and do stuff.
Speaker 1 (14:51):
It's just something to stay active and do stuff.
Speaker 2 (14:53):
That's still being bossy.
I just want to be bossy overhere.
Speaker 1 (14:55):
That's okay, that's what it is Okay, just saying
that Let me boss all thecontractors you know like, yeah,
do this they're like ma'am, gosit down.
Speaker 2 (15:04):
Ma'am, right, sit down, ma'am, you shouldn't be
out here, ma'am.
Where's your hard hat, ma'am?
Speaker 1 (15:09):
it might be, it might be something like that, but
yeah, that's kind of where and Iunderstand too with the travel.
Travel is I love my businessand I love what I do um, but
it's not for me forever yeah,like anything, like anything
else, it's not forever, which iswhy I'm also very big now on
trying to figure out wait.
I have figured it out.
(15:29):
Now I'm excited about itbecause it's actually being done
yes it's happening.
You know we um have flipped thefirst house, just um.
We have a closing coming up onthis, this house um have our
realtor out looking for anotherproperty and my initial thought,
like you know we've discussedis about fixing, flipping just
(15:52):
very stack some money right now,but getting into new
construction.
I've been taking a lot of y'allalready know trainings and
classes, and mentorships andI've been traveling.
I traveled almost the wholemonth of what was that?
April, because I was indifferent locations for
(16:12):
different mentorship programsand stuff like that to really
get into real estate.
I truly applaud people thathave started this early, because
I'm really considering um, well, not considering I'm going to
(16:32):
set up.
You know, we have the travelprofessionals training network
um, I'm kind of sketched out theframework for it.
I'm going to move myself overto us, to school.
You've heard of school, right,mo skool, the platform, school
um.
Because I really want to bearound or start to create a
(16:56):
network of people that um arereally on, like the next level
of entrepreneurship, and schoolis just a platform where you
create, like you have a Facebookcommunity so I can do classes
in there.
I can do oh, I never knew whatit was.
Yeah, it's called school.
I've seen it.
Speaker 2 (17:13):
I just didn't know what it was.
Speaker 1 (17:14):
So yeah, you can put trainings in there.
You can do all that kind ofstuff.
I think so, oh, yeah, yeah, andyou can put it yeah, it's just
a platform for you to house yourstuff on, like how people have
(17:37):
webinars and all that kind ofstuff.
You can have a free community.
It could be a subscription, youknow, and stuff like that,
cause you've heard me talking alot about just how our travel
business is providing usopportunities as any business
should.
If you know when your businessstarts to become profitable, how
your business can start to helpwith other opportunities and
(18:00):
stuff.
And I'm always my brain isalways on something about
leveraging your credit.
My brain is always on somethingabout funding.
Now, once you start looking atfunding, I don't know how all
these people get your name,email, phone number whatever All
this funding and get all kindsof text messages, yeah.
Now everybody is trying to reachyou for funding, and some of it
(18:21):
is legit, some of it isn't.
I just choose to go throughavenues that I know are legit.
And as hard as they say thingsare with you know, trying to get
funding and things like thatthrough banks and stuff like
that.
Banks have been very good to me, so I think I'm in a place like
I would love to show otherpeople how to do.
What I've learned Makes sense.
(18:44):
So, and especially travelagents you know are travel
agents but any business at yourend learning how to leverage
your business.
Matter of fact, it was funny Iwas talking to Craig and I were
just texting or something.
He I had to text him somethingwhile you guys were gone this
week or something, and he Iforgot what the question even
was and I was like, yeah, I'mtrying to get this stuff done,
I'm trying to close on thishouse.
(19:04):
He's like what house you know?
And then all of a sudden wewere just back and forth and he
was like wait, I got that, I cando that, I can, you know.
And I was like well, when youget back, make sure you talk to
me next week.
You know what I'm saying.
And as much as I always say,you know, I'm going to stop
trying to help everybody.
Bring everybody with me.
You still doing it.
Yeah, you still doing it,because I think it's the
(19:26):
education.
Like I'm really baffled at howmuch we were not taught.
Oh gosh, and that I'm justlearning in my 50s In my 50s, so
I know it's not time for me tosit down yet and I would hate
for a lot of this information tojust die with me.
Speaker 2 (19:47):
I know that sounds like that's weird no, like you
gotta you gotta help somebodyelse.
Like you gotta help somebodyelse make it, even though I'm
not there yet.
Speaker 1 (19:56):
I know what I need to do and it's great that I'm
starting it now.
Speaker 2 (20:01):
Well, not starting it , I'm already doing it.
Speaker 1 (20:02):
Yeah that I'm, I'm doing it.
But if I had this knowledgeyears?
Speaker 2 (20:07):
ago, 30 years ago, in my 20s, when I had all the
energy.
But you know what?
Would you have listened?
Because I'm always preaching tomy kids like I'm trying to put
them in a better and I was likeI wish I had somebody telling me
this when I was in my 20s mykids still don't listen, they
just want to do what they.
So what do you think you wouldhave listened?
Speaker 1 (20:25):
if somebody came to you and said something I would,
I think I would have onlybecause I I never knew I didn't,
I never thought I was supposedto work.
Yeah, I didn't say I wasn'tsupposed to earn an income look,
I never said I was supposed tosit at home, right.
Well, we don't have ourconversation about soft life.
Yeah, I want to sit in comingup.
I never had a soft life.
(20:47):
I never thought it was going tobe a soft life, but my mother
was always an entrepreneur.
Speaker 3 (20:51):
Yeah, so I always saw it.
You always said I'm a serialentrepreneur yeah, yeah.
So when she asked, thatquestion, I was like, yeah, you
would have listened.
Speaker 1 (21:01):
Yeah, I think I would have listened at that age, but
they can only teach us what theyknew.
My mom, didn't know this,because I'm going to tell you
right now if my mom because mymom was a hustler, yeah, she's a
hustler Hustler If my mom had anew half of the stuff that I've
just learned in the last year,oh man.
Speaker 3 (21:22):
Period.
Speaker 1 (21:24):
We would be a millionaire now because I know
my mother, the things that shewould have put in place to make
sure that her kids weremillionaires, because my mother
would have been a millionaire.
But you know, we always talkabout financial literacy and
financial education and thingsthat we weren't, we weren't
taught.
So my next phase for me and Iknow I'll probably still be in
(21:45):
travel, maybe another four orfive years, because it is
financing a life that I, that Iwant or that I've become
accustomed to, but at the sametime it's also providing me to
be able to do some of the otherthings.
I wish I could clone myselfsometimes, like I wish there was
(22:06):
more of me.
Speaker 2 (22:08):
Just for time management.
Enough hours in a day, and thenI'm tired earlier.
Speaker 1 (22:12):
Okay, we gonna get on them conversations again, I do.
I used to burn the midnight oilall the time.
Speaker 2 (22:22):
I need to take a nap.
Speaker 1 (22:23):
I gotta get a nap.
I know I'm sleeping at the desk.
I'll just be like.
I know I'm sleeping at my deskand god forbid if I eat anything
.
That's all right that itis isso real but it's, it's almost
like it puts me in a stupor.
That is so real.
So yeah, if I was, if theyounger, the younger me would
have heard it you would havelistened a lot of younger people
there aren't, because, as muchas I talk about this, all the
(22:46):
time where my son is, he's donenone of what I'm talking about
right now, like bruh bruh butthere are those that'll listen
and will pay for it, so that'dbe a smart move for you.
But even just to help just thefew, because I do these lives
and cherise them all the time.
I do lives in the group everyonce in a while, just little
rants or something.
(23:07):
And I did one.
It's probably about threemonths old, two, three months
old, and one of our formeragents, tracy, called me and she
said Allegra, I just had tocall you.
She said, cause I watched yourlive and I went and did exactly
what you told me during thatlive.
She said I got a credit cardfor this amount.
(23:30):
I gotta, because she's like meand my husband have been trying
to figure out how to get intoreal estate, you know, when you
don't have that large savings.
And she was like but we bothhad good credit, but we don't
know what to do with our creditand you know and we were also.
We were told so much to.
You know how having debt wasbad.
I'm so in debt right now, y'all, but it's good debt.
Well, yeah, I was.
Speaker 3 (23:50):
You know what I'm saying, but there's a lot of
there is a lot of bad debtbecause people don't know what
to do with it and they, yeah,getting things that they don't
even know what they got.
So yeah, you just have to knowhow to use it and what to do
with it and how it makes youmoney.
Speaker 1 (24:03):
Yeah right, that's the difference right, right, so,
yeah, so, but just having herand I think that's what made me
think about it, because shecalled me like literally the
following day.
She said oh my god, you droppedso many gems and that thing you
know even just the smallest ofum william the realtor and I had
lunch last week when you hadcalled and we were talking was
(24:25):
meeting with one of hisassociates and we were going to
pay and I was like, is that adebit card?
I was like don't ever pull yourdebit card out and sat and did a
whole class in five seconds andI was like you should never use
your debit card ever in life.
The only time I think the lasttime I had to use my debit card,
I was frustrated because Icouldn't remember my pin,
(24:47):
because I hadn't used it in solong I couldn't remember what my
pin was.
I was like what is your pinnumber?
Because I lived my entire lifeon credit cards because of the
points yeah, that it can get youyou know, and so I literally
sat there at lunch teachingteaching him and his associate
and it was like, oh my God, thatmakes so much sense.
(25:09):
I was like you should never,ever, use a debit card.
Ever, ever, ever, ever.
Get your credit together thatyou could get a card that's
going to give you.
The card need to give yousomething Every time you use it.
I'm talking to you, mo.
Every time you use your debitcard.
What do you get every time youuse?
Speaker 2 (25:25):
I'm talking to you mo .
Every time you use your debitcard, what do you?
Speaker 3 (25:27):
get no, your debit card.
You don't get anything, not adamn you just, you just.
Speaker 1 (25:30):
You're just giving away money, you're just using
money, but every time you usethat, that credit card, that-
gives you points.
You're earning some sort ofpoints.
So now, when you go to put thatfifty dollars worth of gas in
your car, put that fifty dollarsworth of gas on your credit
card.
That gives you 50 points, andthen go home and pay your card
$50.
It's still the same $50, but nowyou got 250 points because your
(25:56):
card probably gives you fourtimes the points, or four and a
half times the points, fivetimes the points or whatever,
and you don't realize it and allof a sudden you have all these
points from your everyday lifethat you're doing anyway.
So you want to book a flight.
Speaker 2 (26:12):
Yeah, first class, with your points, your points,
your points.
I don't pay for flights.
I'm going to go to Bali.
Speaker 1 (26:19):
Thank you.
In October I want a Q suite.
I want a first class Q suite.
Speaker 2 (26:24):
I'm not going to pay $10,000 for that daggone Q suite
, but I'm looking at my pointsright now.
Speaker 1 (26:33):
I got about 800,000 points and that suite that I
want is 700,000 points.
I want to fly first class onthat flight Period.
I've been saving my points forthat flight.
You know, when Du Bois got toto california or something like
that, he might use some of yourpoints.
Speaker 2 (26:51):
Boy, leave my point like wait a minute he's like you
got a lot, I know, but I got alot because I want that, that's
a 30-hour flight yeah, I want tobe comfortable and I want to be
.
Speaker 1 (27:05):
I need the cocoon, I need the whole experience.
Bring my pajamas and mychampagne.
Let me put my jammies on andput my feet up.
Let me.
I need the whole experience.
But you can do anything.
Speaker 3 (27:15):
You can shop with your points, like it's free
money, yeah, but if you use yourdebit card, you got nothing but
it's the exact same purchaseyou just have to have a lot of
discipline, yeah to pay your car, because you're going to pay it
anyway, yeah, you're gonna payit anyway for me, I just swipe
and pay, so at night I really goand just pay.
What did I do today?
(27:36):
And if you didn't, and if youand I started doing it daily.
Speaker 1 (27:39):
And then you miss a day and by the end of the week
I'd be like what did you do thisweek?
Oh my god.
But what If it was my debitcard?
It would have just gone anywayit would have been gone anyway.
So I'll go in at the end of theweek, settle your card for the
week.
So, but go ahead, go ahead.
Come on, mo.
I know you say that's in youraccount only to pay my credit
(28:16):
card.
The only thing I use my moneyfor is to pay my credit card,
because if I book a flight, I'mgonna put it on that card.
Guess what that's?
Uh, I want a first class flightto jamaica.
It was two thousand dollars,that,000 points.
If I had to swipe that card onmy debit card and pay with my
debit card, that was just $2,000out the window, right.
So I eat at a restaurant.
My Uber Eats is attached to mycredit card Right and you got to
(28:40):
know which card does what If Iuse this card I get one point
for restaurants and whatever,but because it's on this card
that gives me four points.
So every dollar I spent is fourpoints.
So that fifty dollars you spenton uber eats that you were
going to use your debit card fornow just gave you 200 points.
(29:01):
So your everyday life that youuse when you go to the cleaners,
you're clean, you pick yourcleaners up, it's 12, that's 12
points, but it's.
It's little stuff but but youdon't realize how much stuff it
has just accumulated so now when?
Speaker 2 (29:17):
you want to.
Speaker 1 (29:18):
You want to go, you know, a free vacation.
Yeah, just on the everyday lifethat you are already doing.
You got a whole pool of pointsover here you want to go to
Jamaica.
I think I'm going to go toJamaica this weekend.
Speaker 2 (29:30):
Pay for your room and your flight.
Let me see how many points Igot.
It'll pay for your hotel.
Speaker 1 (29:36):
It'll pay for your flight, everything.
Speaker 2 (29:39):
Some of them you need to use coins for concerts and
stuff.
Speaker 3 (29:41):
Yeah, you want to go to concerts and then, depending
on what card you have, yeah, youwant to go to concerts.
And then, depending on whatcard you have, yeah, they give
you benefits, so like one of thecards for I get.
I go to the lounge.
I get 50 every six months forfree.
So I always go into hilton andorder a gift card because every
and it's on my calendar sojanuary, today's june 1st, and
(30:02):
it's on my calendar for today,so I'll buy a $50 gift card and
you tell me this all the time.
I gotta do it and then I get, sothen I get, they give me the
credit, the credit card companygives me back the credit.
Or every year you get 200, youget a $200 voucher for a fine,
fine hotel, hotel, yeah you knowwhat I mean.
Speaker 1 (30:24):
So you want to stay at that five star, whatever.
That's $500 a night.
You got a $200 credit, neimanMarcus.
I keep telling you, neimanMarcus, you get.
So all my makeup come fromNeiman Marcus, because every six
months they give you a freecredit and then I get my credit
back.
Speaker 3 (30:40):
So listen, that's what happens when you learn how
to maximize your credit cardsyour points.
That's what happens when youlearn how to maximize your
credit cards.
Speaker 1 (30:48):
your points that's how you start saving so much
money.
You save so much money.
You really start getting a lotfor free, because you're getting
everything for free, yeah, onthe stuff you were spending
money on anyway.
Anyway, I was growing up.
Don't you get no credit card,don't you?
Speaker 3 (31:01):
mess up your credit.
Speaker 1 (31:02):
Right, but it's still about mess up your credit.
You have to have discipline.
Speaker 2 (31:07):
Yes.
So when you say bad, credit.
Speaker 3 (31:08):
it's the people that go out and do it and say, okay,
but I'm going to pay this, likehow we do, but they really don't
.
Speaker 1 (31:14):
Yeah.
Speaker 3 (31:18):
And the next thing you know, it's escalated.
Speaker 1 (31:21):
Now you got a big old bill and a whole lot of debt
and can't afford to pay, becauseyou also have been using your
money and you don't spend yourmoney.
Why?
Because you're putting stuff oncredit.
No, your money is only for youto pay off that card.
You don't pull your debit cardout for anything.
Anything, we have some people,because we do business with
different people in othercountries.
(31:42):
I'll be like well, we're goingto send you a link, a link I
said.
If I can't pay it on my creditcard, it won't happen.
Y'all need to figure out howthis credit card gonna pay.
I gotta send you a hundredthousand dollars yeah, do you
think I'm about to send you awire.
Speaker 3 (31:52):
No, no, ma'am, that's a hundred thousand points,
domestic flights, like if I wantto go to chicago, I want to go
to dallas.
Speaker 1 (32:02):
I need to go fly down to miami or whatever.
So like when we have to fly,for you know, I got a cruise
that's leaving out of Miami.
I got to leave with a group.
I want to fly down to Miami.
I can fly down there firstclass if I want to, because I
got plenty of points from UberEats eating out, from going to
the cleaners, I bought somethingat Macy's, whatever.
It all comes through my creditcard because all my points are
(32:25):
just doing this stacking right.
So I'm not wiring you fiftythousand dollars to pay for the,
the big party, some, some,something.
You better send me a link thatI can swipe that card.
Speaker 3 (32:36):
You better figure it out, that's fifty thousand
points, that's several domesticflights.
Speaker 1 (32:42):
It is for free money moves I don't, don't ever touch
your debit card.
So these are the things likeand because we I'm saying all
this because we do travel wehave to buy a lot of flights.
We have to buy flightseverywhere, we have to visit
different hotels, all that kindof stuff, we can go and do this
(33:02):
stuff for free, off of the moneythat we were using anyway.
So she should teach classes.
Speaker 2 (33:10):
That's your old lady job, that's my old lady job.
Anyway, and we'll have a wholeother conversation.
Speaker 1 (33:17):
Talk about how I just paid closing costs on a house
with a credit card.
Didn't even have to touch mysavings.
People are buying homes.
If you look on Instagram, it'sall over Instagram Talking about
how you want.
Look on instagram they're.
It's all over instagram talkingabout how you buy homes on
credit cards.
Um, I follow.
Her name is charmaine sanders.
Females who flip.
Shout out to charmaine.
(33:38):
Um, young lady 30 somethingyears old, has a group called
females who flip.
Now they're gonna callthemselves females who build
because they are doingdevelopments and guess where the
money coming from Credit cards.
Speaker 2 (33:51):
Look at that.
Speaker 1 (33:51):
And at the same time, they're getting points Maxing
out their cards.
Look at that, you got to have a$30,000.
You have to have $30,000 toclose on a house when you pull
it from, pull it off your creditcard, swipe, go, buy a house
with a credit card.
Mm-hmm, yep Go buy a house witha credit card, yeah.
And then teaching women.
She has a pool where she'steaching women and young women
(34:13):
how to pool their money together.
They're flipping together,they're buying homes together,
they're building together.
You got a $20,000 card.
You got a $10,000 card.
You got a whatever $1,000 card.
We need to have $50,000 atclosing.
You pull $10,000.
No-transcript.
Let's go close on thisapartment building together,
(34:36):
right, boom, boom, boom, boom,boom.
Sell it, pay off your card, payoff your card Pay off your
guard, because the Now whatwe're going to do with this.
You can take your money and goand buy your business.
You can take your money, let'sgo buy something else Like
period and never, ever touchedmoney.
(34:57):
All came off credit cards.
Y'all can do it.
I'm watching people do it andthen I'll be in you.
It's something about it because, as being a little older, we
were trained different aboutmoney.
We were trained.
We were trained different aboutmoney.
We were trained, we weretrained different about credit.
We were taught different thingsabout credit and and and credit
cards and debt and all of thosethings.
(35:18):
Rich people are always in debtbecause they never touch their
own money.
They always we always hear itall the time other people's
money.
That's credit cards, that'sloans, that's all those
different things.
We are closing on the house oncoming up and literally pulled
money from the card, paid thedown payment and deposit and got
(35:39):
a loan that's paying for thewhole rehab of the house.
Don't have to pay a dime out ofour pocket at all house is 155
000.
Just had the appraisal donewithout even having it done yet
it's not even fixed up yet.
It's $335,000.
We're paying the house.
It's $155,000.
It's going to cost about$80,000 to fix it up.
(36:02):
They're paying, they're givingus the whole $80,000 to fix it
up.
Where did that initial moneycome from?
Credit?
Speaker 2 (36:09):
cards, credit cards.
Speaker 1 (36:10):
Never touched our savings.
I'm telling you it goes down.
So my next phase for me is Iwant to build a portfolio in the
next five years.
Well, on your way there.
Yeah, in the next five years,so I'm not going to have an old
(36:31):
lady job want to collect, rent,collect, rent.
Speaker 2 (36:33):
I still want to get out, I do.
Speaker 1 (36:36):
I'm gonna go buy and check on my pride.
I can go buy and check on mypart.
Speaker 2 (36:38):
That's work, I'm gonna go drive people.
Speaker 1 (36:40):
I'm gonna go taking care of my spots uh-huh, I'm
gonna go by and go look at the,look at the properties and stuff
you know, or I'm gonna look atthem from the webcam while I'm
in Italy with you.
Speaker 3 (36:52):
She said, from the webcam we still can do stuff.
Speaker 1 (36:55):
Look, while I'm in Italy and Costa.
Speaker 2 (36:56):
Rica with you.
We still can do stuff.
Speaker 1 (36:58):
I'm going to be over here.
Hold on y'all.
Speaker 2 (37:00):
She said from the webcam I got to check on my
properties.
Speaker 1 (37:03):
Yeah, so initially I'm fixing, flipping, and then
by the end of the year I'mactually looking for land.
Now I want to build, startbuilding, and guess what?
It's all coming off credit card.
Speaker 2 (37:14):
Yeah, y'all got some gems today.
Speaker 1 (37:18):
Hello, but yeah, but I'm going to set up school
S-K-O-O-L, which is just theplatform.
B been trying to get me to doit for long as William been
trying to get me to do it forlong as Billy.
Um, he's like oh, you need tobe doing these webinars on
school, but not, not for that,but he was talking about the
travel webinars and stuff.
So just moving it from thatplatform.
(37:39):
But I love our group.
Um, it's almost 3000 people inthere, but really it's probably
about a hundred that are activeand what the travel
professionals training network,so less than 100 of us go move
over here.
That's really about about somebusiness right now, because if
you're not leveraging yourcredit and if you're not
(38:00):
leveraging our businesses rightnow to start whatever new
venture, you want, to do itdon't have to be real estate
whatever new venture you want todo.
You know you, you're sleepingon it, you're sleeping on it.
So that's that's kind of mynext phase of of life, and then
I'm gonna come sit over in italyand costa rica with y'all.
Yeah, because I ain't doingthat, I'm uh I'm out I'm just
(38:24):
out.
Well, you know what I've alwayswanted to be.
Speaker 2 (38:27):
I've always wanted to be rich.
A property management companyyeah, oh no, the property I'm
not managing, none of that.
Yeah, and live life.
Speaker 1 (38:34):
Oh no, it's gonna be under a property manager.
I'm not.
I ain't calling nobodycollecting no money.
It's gonna.
I mean they only get 10 or soeven if they, you had to get
them 15 it's worth the headacheI'm gonna put a warranty on
every property, something wrongcalled warranty company they'll
send out the people.
Speaker 2 (38:49):
I just pay my warranty stuff like I'm supposed
to.
Speaker 1 (38:52):
I don't want to have to do all of that.
Speaker 3 (38:53):
You said you are going to have a property manager
or not.
I am, I am.
Speaker 1 (38:59):
Yeah, but I want to sit back and just check my bank
account.
Is this the first of the month?
Is this when the deposit hit?
When the deposit hit on the10th?
I just want to check them out.
Yep, coming to Costa Rica.
Speaker 3 (39:12):
Today's the purse.
Speaker 1 (39:15):
Coming to Costa Rica.
Cherise, my money just hit.
Speaker 3 (39:17):
It's Pride Month.
It's the first day of June.
Speaker 1 (39:20):
Oh, it is Pride Month .
It is the first day of Pride,it is Pride Month, but yeah,
that's kind of my next phase.
I'm going to work hard foranother, probably five years.
Okay, another five years,because when I sit down, I want
to be able to sit down when Isay I ain't got to do nothing if
I don't want to, I will,because I know I won't stop, but
(39:41):
if I don't want to, you don'thave to, I don't have to it
ain't a worry in the world.
In the world.
So that's.
Speaker 3 (39:50):
That's where I'm at now.
It makes sense.
It makes sense.
I'm coming costa rica withy'all.
Speaker 1 (39:51):
Look, I'm gonna keep throwing that in there, then I'm
gonna come to costa rica, soyeah, and that's what I wanted
to do.
Speaker 3 (39:57):
I mean, that's what I am going to do so the
difference is soon.
Speaker 1 (40:01):
You did the entrepreneurial, so you know
what I mean, but okay not, I'mnot gonna put your thing out
there, but you have an idea of aproduct that you've been
thinking of, so you're notreally sitting down Because
that's got to go intodevelopment?
Speaker 3 (40:17):
Yeah, but if you take too much out of me.
I don't want to do it.
Speaker 1 (40:21):
No but.
Speaker 3 (40:21):
I'm serious.
Although it was sweat and tears, working on them, damn years.
But um, I was lucky enough tomeet, uh, uh well, my teacher
years ago, who was a jewish lady.
That literally told me,although I wish I would have did
, the didn't have other stuffyeah but she did teach me about
(40:44):
401s and pensions and investingand all those things.
So at least when I retire um,because it was a different era
but at least when I retire I cantruly walk away and know I'm
okay yeah, real, for real, andhave an option of doing
something else or not.
now you know, and I'll be welloff, I'll be good, I'll be good.
(41:07):
So if I do something else, I'llbe well off, I'll be good, I'll
be good.
So if I do something else, I'llbe well off.
What'd you say?
Speaker 1 (41:11):
What'd you say?
Speaker 3 (41:12):
Well off, what'd you say boo, I would go.
I mean, I put in a lot of time.
Speaker 2 (41:19):
Yeah, you've been there a long time.
I had to do it.
You know what I mean.
Speaker 3 (41:22):
And was lucky enough to be grandfathered into a
pension plan.
Speaker 2 (41:25):
So I have to say that's on my side, because a lot
of people you know aren't yeahor not um, but I said all that
to say you know, I, I havechoices, that's great, so I just
have to decide yeah, I havechoices, but I do the ideal that
I told you about.
Speaker 3 (41:43):
Um, that's a legacy.
Yes, leave for the girls.
Yeah, um, and that's my mindset, but I don't want to work that
hard though, so I really have tothink about that.
Speaker 1 (41:52):
You know I don't, but you'll have the time to figure
it out, or maybe I just need acouple a year.
Speaker 3 (41:56):
I just need maybe a year.
Maybe, girl, when you walk awayfrom see you didn't have that,
you always, even though youstill work hard, but it wasn't
like, oh, I gotta take pto, Igotta, you know, like to just
not have to worry about any ofthose things.
I think I just want a littlebit of space to just breathe,
(42:17):
feel what it's like to not haveto and but then I know my brain,
it'll be back on 10 again, butit's all a choice yeah, but it's
your choice so everybodycomment what your pivot would be
or if you have a pivot plan yes.
Speaker 2 (42:30):
We'd love to hear from you.
Speaker 1 (42:33):
All right, y'all.
Speaker 2 (42:35):
Well, here we are again All right, wrapping up
another one.
Speaker 1 (42:38):
This is timeless and unfiltered.
This is a little effort.
I'm staffing her and Sharice.
Speaker 2 (42:44):
And now y'all got me thinking over here, we are
spilling tea on midlife.
We are spilling tea on midlifeand hopefully Avon will be back
soon.
Speaker 1 (42:50):
She will Come back bruh One life at a time.
Speaker 2 (42:54):
Thank you guys.
Bye Bye, bye, bye, bye, bye,bye, Bye, bye, bye, bye, bye,
bye, bye, bye, bye, bye, bye Bye.
Being a little older, we were trained different about
money, trained different aboutcredit.
We were taught different thingsabout credit and credit cards.
Rich people are always in debtbecause they never touch their
own money.
We always hear it all the timeother people's money.
That's credit cards.
You got a $20,000 card.
You got a $10,000 card.
We need to have $50,000 atclosing.
You pull $10,000,.
(00:21):
You pull $10,000.
I'll pull 10.
You pull 10, you'll pull 10.
We got 50 000.
Speaker 2 (00:30):
Let's go close on this apartment building together
.
This is legra.
This is stephanie.
Speaker 1 (00:35):
This is sheree and this is ivania.
And this is timeless andunfiltered, where we are
spilling the tea on midlife.
One laugh at a time.
All right, you don't havenothing special, did you?
No little song or ditty youneed to, do you?
(00:58):
Still nasty girl?
She left over, left over fromthe last time.
You still nasty girling?
Huh, you been nasty girling allweek, yeah, okay.
This is Lekra, with Timelessand Unfiltered.
This is Stephanie, this isSharice and Evanya is out with
us today.
However, we still gonna keepspilling the tea on Midlife.
(01:18):
One laugh at a time, one laughat a time.
You been nasty girling all week, huh.
Speaker 2 (01:24):
With nobody to be nasty with.
Speaker 1 (01:29):
Ever since we did that episode, you just called me
talking about nasty girl.
I'm not nasty for real.
Uh-huh, you need to be Justlike, please, jesus.
Well, let's talk today a littlebit about just kind of what's
next in our lives Transitioning.
I know we've been all talkingabout different career things.
First of all, we all have ourown careers, own businesses, um
(01:51):
things like that.
But what's next?
What's?
What's what's next in thisfabulous 50s?
Speaker 2 (01:58):
you know what I realized the days of retiring
from a job.
If you're not, if you haven'tbeen at that job for a specific
amount of time, I don't thinkthere's any such thing anymore
as retiring from a position.
I agree um because, like I'vetalked about my transition, um,
(02:19):
in employment, and so it's likeI feel like I always have to
have some type of backup, likesomething, or even a partner in
life.
Why does the voice do that?
Because it's like it'sstressful, it's just I think
it'd be easier with a partner,because if one person lost their
(02:41):
position, then somebody elsecould hang on to things, but if
it's just one person, you'rejust at God's grace, which God
has been graceful with me, andso I know for me I'm working.
Thank you Jesus, thank youJesus.
But I'm trying to pivot maybe alittle differently in my life,
(03:04):
where I want to be like adigital nomad, and so I'm in the
process of trying to sell myhome and I feel like I don't
want rent, I don't want mortgage, I just don't want all that
overhead anymore.
Or if I do do it, I would wantto do it with a partner the next
time.
I don't, it's a lot.
Speaker 1 (03:24):
So your home is on the market and if you sell it
here anytime soon, what's theplan?
Speaker 2 (03:29):
I'll be traveling around, so I have certain cities
okay that I want to go post upat, so my daughter's in tampa.
So I said I'm gonna come downthere for like two weeks, did
like a little airbnb orsomething.
Sit down there with her for twoweeks then I want to go to
phoenix, sit there for like twoweeks somewhere.
Speaker 1 (03:46):
Then I want to go to Dallas well, let me know when
you go to Dallas.
I'm like I'm hanging out.
Speaker 2 (03:50):
Okay, then I want to go to Dallas, and then I want to
go to Chicago.
Oh yeah, let me know, we go toChicago and then.
I want to go to Manhattan for acouple of weeks, get Airbnb.
I want to post up and just walkaround, become a local at the
bar, like for a couple weeksyeah, yeah because, plus, I want
to open up my own bar.
So it's really essentially megetting out talking to bar
(04:12):
owners.
I'm like, hey, so how you just?
And then I want to open updifferent locations.
So me traveling around creatingnetworks and maybe securing
bases for my my own bar is whatI want to do.
And then I want to go to londonand I want to stay in london
for like a month.
Let me know when you go tolondon.
Yeah, I want to stay in londonfor a month.
I want to go to italy, stay initaly for a month and, uh, maybe
(04:36):
thailand for a month, oh, wow,and then I'll just, hey, welcome
back us.
Um, but I just want to get outand do things.
I told my kids listen, I'mabout to be gone.
How's gonna be gone?
I don't have anything tetheringme here right now, so I'm gonna
go, experience some things andstart doing things by myself.
I've always waited for peopleto do.
(04:57):
You gonna come with me, you go?
Yeah, I'm about to get out solotravel.
Speaker 1 (04:59):
So, yeah, I'm about to do it, so that sounds
exciting it does.
Speaker 2 (05:03):
I'm about to do it.
So that sounds exciting thoughit does, I'm like, please, jesus
, let it work out, it's going towork out.
Speaker 1 (05:10):
But you know what Plan?
Plan one from planners oftravel.
Speaker 2 (05:14):
Yeah, plan one phase at a time.
Speaker 1 (05:16):
Yeah, that's all I'm going to do, you know what I'm
saying, because you may have itmay not go exactly like that,
but you know what I'm going tobe here for two weeks and work
them two weeks and then you know, then, what's the next phase?
You may have to skip one and goto the next one and come back
to that one.
Speaker 2 (05:31):
You know what I'm saying.
Like don't get stuck toanybody's structure or schedule.
I want to meet different people.
It's just a whole big old worldout here and I always I told my
kids we're not limited to justliving in the US, you can live
anywhere.
That's why I started travelingwith my kids abroad very, very
early, Like we don't have tojust stay in Georgia, we don't
have to just stay in the US, wecan just branch out.
(05:54):
So I've been like, yeah, I wantto go to China.
They're like what?
Speaker 1 (06:07):
Listen, I'll get them started over there.
I'm like I just dead asswanting to do something
different.
So it's exciting though.
It is exciting.
So just you know, have thatlittle girlfriend time.
Yeah, be like uh, yeah, y'allgonna come on.
Yeah, I'm coming out to chicago.
You want a thailand?
Come on.
I love london.
London.
I have and I have not been tolondon in years, but it is still
probably one of my favoriteplaces.
I think it was, I think it wasthe.
It's something about thehistory, like we don't have
(06:30):
places like that.
We have plantations you can govisit you know, I might want to
see that you know what I'msaying but when you just walk
and all of a sudden a big oldcastle pop up, you're like, oh,
with the rolling hills and thesheep up on in the meadow yeah,
like in the movies, you knowlike like in the movies Wow, we
don't have that kind of historyover here.
Speaker 2 (06:48):
I want to see it in my life and not just on TV.
The cobblestone streets andeverything still looks like
gingerbread houses and stuff.
Speaker 1 (06:56):
Yeah, there's still a lot of communities and stuff
like that.
It's amazing, I'm going to doit.
I love London.
Now you're going to be hungry.
I'm going that.
It's amazing, I want to do it.
I'm gonna do it.
Yeah, I love london.
Now you're gonna be hungry andyou know you're gonna have to.
You're gonna eat a lot ofamerican food because I'm I'm
telling I don't care, they can'tcook.
Speaker 2 (07:12):
Probably, I would assume, carry your own seasoned
salt and garlic pepper.
Yeah, bring your hot sauce.
Bring because and they makethem on little key chains now
where you can carry.
Speaker 1 (07:22):
Yeah, you're gonna need you're going to need it,
just so you know you're gonnaneed it, anything european,
you're gonna need some seasoning, I imagine all right, yeah, I
imagine because I love seasoning.
Yeah, but the experience isabsolutely amazing yeah I love
it.
I always, at the time that Iwent to london, I think I had
just gotten married and Iremember being in london like
(07:43):
damn, I got to go home, don't I?
I got married.
Damn, I got married, dang youliked it.
You know how people will govisit somewhere and just never
come home.
Mm-hmm, I probably would havedone that if I had not had just
gotten married.
Speaker 2 (07:55):
Oh, I can't wait to go.
I probably would have neverjust came back home.
Speaker 1 (07:58):
Wow, I love London.
I'm walking next to a skinhead.
I'm walking next to an Africanwho speak, who got an English
accent.
I'm walking next to a Chineseperson.
I'm walking.
The diversity I love thediversity.
I love the, the culture.
I love the, the jump on a trainand be in Paris.
(08:19):
You know what I'm saying, likejump on a train and be.
You know what I'm saying.
It's different than saying I'mgoing to Miami.
Speaker 2 (08:26):
Yeah, or to Jamaica.
Speaker 1 (08:28):
Yeah, I'm going to.
Speaker 2 (08:28):
Miami.
It's just a different side ofthe world.
Speaker 1 (08:31):
And do the same thing , and but the connection of
being able to get to so manydifferent places.
That's what I want to do youknow, I think I'm going to be in
(08:51):
amsterdam.
Or you know, I'm saying I love,I want to experience.
Speaker 2 (08:52):
Yeah, it's that, that was for me, I wouldn't have
came home if I had not have justgotten married, yeah, I might
not come back, I'm just gonnastay here.
Speaker 1 (08:57):
Well, I'm coming to visit in your flat, in your flat
, in your flat because you knowthey love to live in flats in
your flat for a month.
So what's next?
What's your next phase of life?
I know we're getting ready forretirement.
Yes, December.
Speaker 3 (09:13):
Yeah, that's great.
I can't believe it.
I've been talking about it, Iknow.
But yeah, I know December andit's interesting.
I was listening to you and wehaven't even talked about what
we're doing really next.
Speaker 2 (09:26):
But yeah, I'm going to have a travel buddy.
Speaker 3 (09:30):
Yeah, girl, but I'm staying like three months, so
like Costa Rica three months.
Speaker 2 (09:34):
Hey, listen, I'm dying.
Mexico City three months, I'mdown.
Speaker 3 (09:37):
Like just different.
I'm just going to go todifferent countries and just
stay.
Speaker 2 (09:46):
Oh, luckily, you to go to different countries and
just say oh look, look, look.
Speaker 3 (09:47):
Your eyes is back.
You'll be everywhere with us.
Yeah, I'm not sure.
I'm really not sure how muchmore travel.
I want to do in terms of thebusiness, yeah um, I don't know,
I I luck, me luckily just didwell enough I could do it or not
yeah, you know, and so it'sjust like in my next phase of my
life.
What do I want to do now?
(10:10):
I enjoy the travel and puttingtogether the events and and
whatnot, but it's it.
Speaker 2 (10:16):
It can really be a choice now yeah, even what I
decide to do, or not, do youknow?
Speaker 3 (10:20):
what I mean so and we can work from anywhere.
Speaker 2 (10:24):
That business.
Speaker 3 (10:25):
We can work from anywhere.
Speaker 2 (10:26):
We put the work in, so now it's like luckily we did
something.
Speaker 3 (10:34):
No, you're going to be right there with us.
No, I won't.
Speaker 1 (10:36):
I won't be there.
Why not?
I won't be there because I'llbe here building this portfolio.
It still can happen, I know butI got to come and see, I got to
check on my properties.
Speaker 3 (10:47):
Oh, yeah, you got to do that.
Speaker 2 (10:49):
You can take breaks.
Speaker 1 (10:50):
I'm knuckling down.
Speaker 2 (10:52):
Let's say you leave right after closing.
You done got the house together.
Okay, we closed.
All right, you can take a break.
Speaker 3 (10:59):
You're going to have the people in place to run a lot
of it for you.
Speaker 1 (11:02):
That's what y'all said.
Speaker 3 (11:03):
But okay, if you're putting it together, I get it
yeah.
Speaker 1 (11:08):
You can take breaks.
Yeah, I would take a break, butI couldn't be gone that long.
Speaker 3 (11:12):
Well, no, no, no, we're not saying that long,
we're just saying we'll be there, so come in and come out.
Speaker 2 (11:16):
Yeah, I'm going to pop in, yeah, Now, if you find a
six, five, hello beautifulchocolate man I don't even care
what country you're from, aboutsix
Speaker 3 (11:33):
five, yeah, um, but let me know that's, that's,
that's my goal, and you know Ilove zumba like nothing ever I
really want to be a zumbainstructor.
I've always said when I retire,I want to be a zumba instructor
.
And so um always said when Iretire, I want to be a Zumba
instructor.
And so what we talked about,our last one of our episodes, we
did about, you know, makingsure that we keep our bones and
moving in motion.
(11:54):
I was thinking about that.
But yeah, I always wanted toretire and be a Zumba.
Look at that.
Speaker 2 (12:01):
I've been trying to figure out what my old lady job
was gonna be.
I ain't gonna have one so listenthat's the goal because I just
like god, we're getting older.
So I tell you, I'm constantlychecking, like my ssi, like
where am I at now?
Where they got the 62 you canyou get 2000 and they're like
really trying to push us to worktill we're 70 and I'm like
(12:22):
ain't nobody holding on topeople working that long anymore
?
They're just not.
It's like the younger peopleare now in charge and they're
like you all, like my grandma,and they like letting the older
people go.
Speaker 1 (12:32):
So I can't imagine a lot of people still working till
you're 70 to get your full umSSI benefit but um.
Speaker 2 (12:41):
So in my mind I'm like well damn, if I gotta work
that long, what would my job be?
Because I know I'm like welldamn, if I got to work that long
, what would my job be?
Because I know I'm in the ITfield.
It's so fickle in there rightnow.
And so I'm like what would mylittle old lady job be?
And so I don't want to be agreeter at Walmart.
Speaker 1 (12:57):
What's the old lady job?
Speaker 2 (12:59):
I think I want to look at the eye doctor's place
and so I would tell, yeah, thisframe look good on you because
your skin tone.
I think I would help people gettheir eyeglasses.
I would want to work at alittle, a little.
I was just like what that willbe my old lady job.
I can see fire me from helpingme try these frames on hey baby,
(13:23):
hey baby, it's not, it lookgood on you because I just had
my eyes done, okay, like, yeah,I think that would be my old
lady job.
I'm not gonna really, I'm gonnabe rich and sitting down, okay,
but if I had to have a, oh, Istarted thinking about my old
lady job, ain't?
No, most people like y'all,like what the hell.
Speaker 1 (13:42):
I'm sitting here right now going what the?
Speaker 3 (13:44):
hell.
My brain, I'm going tooverthink or I think about, or
even just to stay active.
Speaker 2 (13:49):
Something to do, because when I realize, people
retire.
They still want to go back towork.
They want to do something.
Yeah, because if you don't dosomething, it's like your game
is over.
Speaker 1 (13:59):
So you got to create a new game.
And so yeah, that game, and soyeah, that's why I was thinking
about?
Speaker 3 (14:06):
why is my brain in a whole different?
Speaker 1 (14:07):
place right now.
That's how people think.
Yeah, my brain is in a wholedifferent place right now.
My I don't.
I don't have a my old lady job,and maybe it's because I really
haven't had a job yeah, thatmight be the difference so it's
always from an entrepreneurialperspective.
Like I can see myself, 70 yearsold, out there standing in
front of a house that's beingbuilt, that I'm building as a
(14:29):
partner complex or something at75.
Like she, she's still buildinghouses.
Well, I won't be building it,it's just fine.
Speaker 2 (14:38):
It's just the finance .
Take care, I don't want to.
Speaker 1 (14:41):
I don't want to have to be on anybody's clock to go
do something.
Speaker 2 (14:44):
Yeah, but I don't want to have to be on anybody's
clock to go do something yeah,like if I want to, but you might
want to get out and do stuff.
Speaker 1 (14:51):
It's just something to stay active and do stuff.
Speaker 2 (14:53):
That's still being bossy.
I just want to be bossy overhere.
Speaker 1 (14:55):
That's okay, that's what it is Okay, just saying
that Let me boss all thecontractors you know like, yeah,
do this they're like ma'am, gosit down.
Speaker 2 (15:04):
Ma'am, right, sit down, ma'am, you shouldn't be
out here, ma'am.
Where's your hard hat, ma'am?
Speaker 1 (15:09):
it might be, it might be something like that, but
yeah, that's kind of where and Iunderstand too with the travel.
Travel is I love my businessand I love what I do um, but
it's not for me forever yeah,like anything, like anything
else, it's not forever, which iswhy I'm also very big now on
trying to figure out wait.
I have figured it out.
(15:29):
Now I'm excited about itbecause it's actually being done
yes it's happening.
You know we um have flipped thefirst house, just um.
We have a closing coming up onthis, this house um have our
realtor out looking for anotherproperty and my initial thought,
like you know we've discussedis about fixing, flipping just
(15:52):
very stack some money right now,but getting into new
construction.
I've been taking a lot of y'allalready know trainings and
classes, and mentorships andI've been traveling.
I traveled almost the wholemonth of what was that?
April, because I was indifferent locations for
(16:12):
different mentorship programsand stuff like that to really
get into real estate.
I truly applaud people thathave started this early, because
I'm really considering um, well, not considering I'm going to
(16:32):
set up.
You know, we have the travelprofessionals training network
um, I'm kind of sketched out theframework for it.
I'm going to move myself overto us, to school.
You've heard of school, right,mo skool, the platform, school
um.
Because I really want to bearound or start to create a
(16:56):
network of people that um arereally on, like the next level
of entrepreneurship, and schoolis just a platform where you
create, like you have a Facebookcommunity so I can do classes
in there.
I can do oh, I never knew whatit was.
Yeah, it's called school.
I've seen it.
Speaker 2 (17:13):
I just didn't know what it was.
Speaker 1 (17:14):
So yeah, you can put trainings in there.
You can do all that kind ofstuff.
I think so, oh, yeah, yeah, andyou can put it yeah, it's just
a platform for you to house yourstuff on, like how people have
(17:37):
webinars and all that kind ofstuff.
You can have a free community.
It could be a subscription, youknow, and stuff like that,
cause you've heard me talking alot about just how our travel
business is providing usopportunities as any business
should.
If you know when your businessstarts to become profitable, how
your business can start to helpwith other opportunities and
(18:00):
stuff.
And I'm always my brain isalways on something about
leveraging your credit.
My brain is always on somethingabout funding.
Now, once you start looking atfunding, I don't know how all
these people get your name,email, phone number whatever All
this funding and get all kindsof text messages, yeah.
Now everybody is trying to reachyou for funding, and some of it
(18:21):
is legit, some of it isn't.
I just choose to go throughavenues that I know are legit.
And as hard as they say thingsare with you know, trying to get
funding and things like thatthrough banks and stuff like
that.
Banks have been very good to me, so I think I'm in a place like
I would love to show otherpeople how to do.
What I've learned Makes sense.
(18:44):
So, and especially travelagents you know are travel
agents but any business at yourend learning how to leverage
your business.
Matter of fact, it was funny Iwas talking to Craig and I were
just texting or something.
He I had to text him somethingwhile you guys were gone this
week or something, and he Iforgot what the question even
was and I was like, yeah, I'mtrying to get this stuff done,
I'm trying to close on thishouse.
(19:04):
He's like what house you know?
And then all of a sudden wewere just back and forth and he
was like wait, I got that, I cando that, I can, you know.
And I was like well, when youget back, make sure you talk to
me next week.
You know what I'm saying.
And as much as I always say,you know, I'm going to stop
trying to help everybody.
Bring everybody with me.
You still doing it.
Yeah, you still doing it,because I think it's the
(19:26):
education.
Like I'm really baffled at howmuch we were not taught.
Oh gosh, and that I'm justlearning in my 50s In my 50s, so
I know it's not time for me tosit down yet and I would hate
for a lot of this information tojust die with me.
Speaker 2 (19:47):
I know that sounds like that's weird no, like you
gotta you gotta help somebodyelse.
Like you gotta help somebodyelse make it, even though I'm
not there yet.
Speaker 1 (19:56):
I know what I need to do and it's great that I'm
starting it now.
Speaker 2 (20:01):
Well, not starting it , I'm already doing it.
Speaker 1 (20:02):
Yeah that I'm, I'm doing it.
But if I had this knowledgeyears?
Speaker 2 (20:07):
ago, 30 years ago, in my 20s, when I had all the
energy.
But you know what?
Would you have listened?
Because I'm always preaching tomy kids like I'm trying to put
them in a better and I was likeI wish I had somebody telling me
this when I was in my 20s mykids still don't listen, they
just want to do what they.
So what do you think you wouldhave listened?
Speaker 1 (20:25):
if somebody came to you and said something I would,
I think I would have onlybecause I I never knew I didn't,
I never thought I was supposedto work.
Yeah, I didn't say I wasn'tsupposed to earn an income look,
I never said I was supposed tosit at home, right.
Well, we don't have ourconversation about soft life.
Yeah, I want to sit in comingup.
I never had a soft life.
(20:47):
I never thought it was going tobe a soft life, but my mother
was always an entrepreneur.
Speaker 3 (20:51):
Yeah, so I always saw it.
You always said I'm a serialentrepreneur yeah, yeah.
So when she asked, thatquestion, I was like, yeah, you
would have listened.
Speaker 1 (21:01):
Yeah, I think I would have listened at that age, but
they can only teach us what theyknew.
My mom, didn't know this,because I'm going to tell you
right now if my mom because mymom was a hustler, yeah, she's a
hustler Hustler If my mom had anew half of the stuff that I've
just learned in the last year,oh man.
Speaker 3 (21:22):
Period.
Speaker 1 (21:24):
We would be a millionaire now because I know
my mother, the things that shewould have put in place to make
sure that her kids weremillionaires, because my mother
would have been a millionaire.
But you know, we always talkabout financial literacy and
financial education and thingsthat we weren't, we weren't
taught.
So my next phase for me and Iknow I'll probably still be in
(21:45):
travel, maybe another four orfive years, because it is
financing a life that I, that Iwant or that I've become
accustomed to, but at the sametime it's also providing me to
be able to do some of the otherthings.
I wish I could clone myselfsometimes, like I wish there was
(22:06):
more of me.
Speaker 2 (22:08):
Just for time management.
Enough hours in a day, and thenI'm tired earlier.
Speaker 1 (22:12):
Okay, we gonna get on them conversations again, I do.
I used to burn the midnight oilall the time.
Speaker 2 (22:22):
I need to take a nap.
Speaker 1 (22:23):
I gotta get a nap.
I know I'm sleeping at the desk.
I'll just be like.
I know I'm sleeping at my deskand god forbid if I eat anything
.
That's all right that itis isso real but it's, it's almost
like it puts me in a stupor.
That is so real.
So yeah, if I was, if theyounger, the younger me would
have heard it you would havelistened a lot of younger people
there aren't, because, as muchas I talk about this, all the
(22:46):
time where my son is, he's donenone of what I'm talking about
right now, like bruh bruh butthere are those that'll listen
and will pay for it, so that'dbe a smart move for you.
But even just to help just thefew, because I do these lives
and cherise them all the time.
I do lives in the group everyonce in a while, just little
rants or something.
(23:07):
And I did one.
It's probably about threemonths old, two, three months
old, and one of our formeragents, tracy, called me and she
said Allegra, I just had tocall you.
She said, cause I watched yourlive and I went and did exactly
what you told me during thatlive.
She said I got a credit cardfor this amount.
(23:30):
I gotta, because she's like meand my husband have been trying
to figure out how to get intoreal estate, you know, when you
don't have that large savings.
And she was like but we bothhad good credit, but we don't
know what to do with our creditand you know and we were also.
We were told so much to.
You know how having debt wasbad.
I'm so in debt right now, y'all, but it's good debt.
Well, yeah, I was.
Speaker 3 (23:50):
You know what I'm saying, but there's a lot of
there is a lot of bad debtbecause people don't know what
to do with it and they, yeah,getting things that they don't
even know what they got.
So yeah, you just have to knowhow to use it and what to do
with it and how it makes youmoney.
Speaker 1 (24:03):
Yeah right, that's the difference right, right, so,
yeah, so, but just having herand I think that's what made me
think about it, because shecalled me like literally the
following day.
She said oh my god, you droppedso many gems and that thing you
know even just the smallest ofum william the realtor and I had
lunch last week when you hadcalled and we were talking was
(24:25):
meeting with one of hisassociates and we were going to
pay and I was like, is that adebit card?
I was like don't ever pull yourdebit card out and sat and did a
whole class in five seconds andI was like you should never use
your debit card ever in life.
The only time I think the lasttime I had to use my debit card,
I was frustrated because Icouldn't remember my pin,
(24:47):
because I hadn't used it in solong I couldn't remember what my
pin was.
I was like what is your pinnumber?
Because I lived my entire lifeon credit cards because of the
points yeah, that it can get youyou know, and so I literally
sat there at lunch teachingteaching him and his associate
and it was like, oh my God, thatmakes so much sense.
(25:09):
I was like you should never,ever, use a debit card.
Ever, ever, ever, ever.
Get your credit together thatyou could get a card that's
going to give you.
The card need to give yousomething Every time you use it.
I'm talking to you, mo.
Every time you use your debitcard.
What do you get every time youuse?
Speaker 2 (25:25):
I'm talking to you mo .
Every time you use your debitcard, what do you?
Speaker 3 (25:27):
get no, your debit card.
You don't get anything, not adamn you just, you just.
Speaker 1 (25:30):
You're just giving away money, you're just using
money, but every time you usethat, that credit card, that-
gives you points.
You're earning some sort ofpoints.
So now, when you go to put thatfifty dollars worth of gas in
your car, put that fifty dollarsworth of gas on your credit
card.
That gives you 50 points, andthen go home and pay your card
$50.
It's still the same $50, but nowyou got 250 points because your
(25:56):
card probably gives you fourtimes the points, or four and a
half times the points, fivetimes the points or whatever,
and you don't realize it and allof a sudden you have all these
points from your everyday lifethat you're doing anyway.
So you want to book a flight.
Speaker 2 (26:12):
Yeah, first class, with your points, your points,
your points.
I don't pay for flights.
I'm going to go to Bali.
Speaker 1 (26:19):
Thank you.
In October I want a Q suite.
I want a first class Q suite.
Speaker 2 (26:24):
I'm not going to pay $10,000 for that daggone Q suite
, but I'm looking at my pointsright now.
Speaker 1 (26:33):
I got about 800,000 points and that suite that I
want is 700,000 points.
I want to fly first class onthat flight Period.
I've been saving my points forthat flight.
You know, when Du Bois got toto california or something like
that, he might use some of yourpoints.
Speaker 2 (26:51):
Boy, leave my point like wait a minute he's like you
got a lot, I know, but I got alot because I want that, that's
a 30-hour flight yeah, I want tobe comfortable and I want to be
.
Speaker 1 (27:05):
I need the cocoon, I need the whole experience.
Bring my pajamas and mychampagne.
Let me put my jammies on andput my feet up.
Let me.
I need the whole experience.
But you can do anything.
Speaker 3 (27:15):
You can shop with your points, like it's free
money, yeah, but if you use yourdebit card, you got nothing but
it's the exact same purchaseyou just have to have a lot of
discipline, yeah to pay your car, because you're going to pay it
anyway, yeah, you're gonna payit anyway for me, I just swipe
and pay, so at night I really goand just pay.
What did I do today?
(27:36):
And if you didn't, and if youand I started doing it daily.
Speaker 1 (27:39):
And then you miss a day and by the end of the week
I'd be like what did you do thisweek?
Oh my god.
But what If it was my debitcard?
It would have just gone anywayit would have been gone anyway.
So I'll go in at the end of theweek, settle your card for the
week.
So, but go ahead, go ahead.
Come on, mo.
I know you say that's in youraccount only to pay my credit
(28:16):
card.
The only thing I use my moneyfor is to pay my credit card,
because if I book a flight, I'mgonna put it on that card.
Guess what that's?
Uh, I want a first class flightto jamaica.
It was two thousand dollars,that,000 points.
If I had to swipe that card onmy debit card and pay with my
debit card, that was just $2,000out the window, right.
So I eat at a restaurant.
My Uber Eats is attached to mycredit card Right and you got to
(28:40):
know which card does what If Iuse this card I get one point
for restaurants and whatever,but because it's on this card
that gives me four points.
So every dollar I spent is fourpoints.
So that fifty dollars you spenton uber eats that you were
going to use your debit card fornow just gave you 200 points.
(29:01):
So your everyday life that youuse when you go to the cleaners,
you're clean, you pick yourcleaners up, it's 12, that's 12
points, but it's.
It's little stuff but but youdon't realize how much stuff it
has just accumulated so now when?
Speaker 2 (29:17):
you want to.
Speaker 1 (29:18):
You want to go, you know, a free vacation.
Yeah, just on the everyday lifethat you are already doing.
You got a whole pool of pointsover here you want to go to
Jamaica.
I think I'm going to go toJamaica this weekend.
Speaker 2 (29:30):
Pay for your room and your flight.
Let me see how many points Igot.
It'll pay for your hotel.
Speaker 1 (29:36):
It'll pay for your flight, everything.
Speaker 2 (29:39):
Some of them you need to use coins for concerts and
stuff.
Speaker 3 (29:41):
Yeah, you want to go to concerts and then, depending
on what card you have, yeah, youwant to go to concerts.
And then, depending on whatcard you have, yeah, they give
you benefits, so like one of thecards for I get.
I go to the lounge.
I get 50 every six months forfree.
So I always go into hilton andorder a gift card because every
and it's on my calendar sojanuary, today's june 1st, and
(30:02):
it's on my calendar for today,so I'll buy a $50 gift card and
you tell me this all the time.
I gotta do it and then I get, sothen I get, they give me the
credit, the credit card companygives me back the credit.
Or every year you get 200, youget a $200 voucher for a fine,
fine hotel, hotel, yeah you knowwhat I mean.
Speaker 1 (30:24):
So you want to stay at that five star, whatever.
That's $500 a night.
You got a $200 credit, neimanMarcus.
I keep telling you, neimanMarcus, you get.
So all my makeup come fromNeiman Marcus, because every six
months they give you a freecredit and then I get my credit
back.
Speaker 3 (30:40):
So listen, that's what happens when you learn how
to maximize your credit cardsyour points.
That's what happens when youlearn how to maximize your
credit cards.
Speaker 1 (30:48):
your points that's how you start saving so much
money.
You save so much money.
You really start getting a lotfor free, because you're getting
everything for free, yeah, onthe stuff you were spending
money on anyway.
Anyway, I was growing up.
Don't you get no credit card,don't you?
Speaker 3 (31:01):
mess up your credit.
Speaker 1 (31:02):
Right, but it's still about mess up your credit.
You have to have discipline.
Speaker 2 (31:07):
Yes.
So when you say bad, credit.
Speaker 3 (31:08):
it's the people that go out and do it and say, okay,
but I'm going to pay this, likehow we do, but they really don't
.
Speaker 1 (31:14):
Yeah.
Speaker 3 (31:18):
And the next thing you know, it's escalated.
Speaker 1 (31:21):
Now you got a big old bill and a whole lot of debt
and can't afford to pay, becauseyou also have been using your
money and you don't spend yourmoney.
Why?
Because you're putting stuff oncredit.
No, your money is only for youto pay off that card.
You don't pull your debit cardout for anything.
Anything, we have some people,because we do business with
different people in othercountries.
(31:42):
I'll be like well, we're goingto send you a link, a link I
said.
If I can't pay it on my creditcard, it won't happen.
Y'all need to figure out howthis credit card gonna pay.
I gotta send you a hundredthousand dollars yeah, do you
think I'm about to send you awire.
Speaker 3 (31:52):
No, no, ma'am, that's a hundred thousand points,
domestic flights, like if I wantto go to chicago, I want to go
to dallas.
Speaker 1 (32:02):
I need to go fly down to miami or whatever.
So like when we have to fly,for you know, I got a cruise
that's leaving out of Miami.
I got to leave with a group.
I want to fly down to Miami.
I can fly down there firstclass if I want to, because I
got plenty of points from UberEats eating out, from going to
the cleaners, I bought somethingat Macy's, whatever.
It all comes through my creditcard because all my points are
(32:25):
just doing this stacking right.
So I'm not wiring you fiftythousand dollars to pay for the,
the big party, some, some,something.
You better send me a link thatI can swipe that card.
Speaker 3 (32:36):
You better figure it out, that's fifty thousand
points, that's several domesticflights.
Speaker 1 (32:42):
It is for free money moves I don't, don't ever touch
your debit card.
So these are the things likeand because we I'm saying all
this because we do travel wehave to buy a lot of flights.
We have to buy flightseverywhere, we have to visit
different hotels, all that kindof stuff, we can go and do this
(33:02):
stuff for free, off of the moneythat we were using anyway.
So she should teach classes.
Speaker 2 (33:10):
That's your old lady job, that's my old lady job.
Anyway, and we'll have a wholeother conversation.
Speaker 1 (33:17):
Talk about how I just paid closing costs on a house
with a credit card.
Didn't even have to touch mysavings.
People are buying homes.
If you look on Instagram, it'sall over Instagram Talking about
how you want.
Look on instagram they're.
It's all over instagram talkingabout how you buy homes on
credit cards.
Um, I follow.
Her name is charmaine sanders.
Females who flip.
Shout out to charmaine.
(33:38):
Um, young lady 30 somethingyears old, has a group called
females who flip.
Now they're gonna callthemselves females who build
because they are doingdevelopments and guess where the
money coming from Credit cards.
Speaker 2 (33:51):
Look at that.
Speaker 1 (33:51):
And at the same time, they're getting points Maxing
out their cards.
Look at that, you got to have a$30,000.
You have to have $30,000 toclose on a house when you pull
it from, pull it off your creditcard, swipe, go, buy a house
with a credit card.
Mm-hmm, yep Go buy a house witha credit card, yeah.
And then teaching women.
She has a pool where she'steaching women and young women
(34:13):
how to pool their money together.
They're flipping together,they're buying homes together,
they're building together.
You got a $20,000 card.
You got a $10,000 card.
You got a whatever $1,000 card.
We need to have $50,000 atclosing.
You pull $10,000.
No-transcript.
Let's go close on thisapartment building together,
(34:36):
right, boom, boom, boom, boom,boom.
Sell it, pay off your card, payoff your card Pay off your
guard, because the Now whatwe're going to do with this.
You can take your money and goand buy your business.
You can take your money, let'sgo buy something else Like
period and never, ever touchedmoney.
(34:57):
All came off credit cards.
Y'all can do it.
I'm watching people do it andthen I'll be in you.
It's something about it because, as being a little older, we
were trained different aboutmoney.
We were trained.
We were trained different aboutmoney.
We were trained, we weretrained different about credit.
We were taught different thingsabout credit and and and credit
cards and debt and all of thosethings.
(35:18):
Rich people are always in debtbecause they never touch their
own money.
They always we always hear itall the time other people's
money.
That's credit cards, that'sloans, that's all those
different things.
We are closing on the house oncoming up and literally pulled
money from the card, paid thedown payment and deposit and got
(35:39):
a loan that's paying for thewhole rehab of the house.
Don't have to pay a dime out ofour pocket at all house is 155
000.
Just had the appraisal donewithout even having it done yet
it's not even fixed up yet.
It's $335,000.
We're paying the house.
It's $155,000.
It's going to cost about$80,000 to fix it up.
(36:02):
They're paying, they're givingus the whole $80,000 to fix it
up.
Where did that initial moneycome from?
Credit?
Speaker 2 (36:09):
cards, credit cards.
Speaker 1 (36:10):
Never touched our savings.
I'm telling you it goes down.
So my next phase for me is Iwant to build a portfolio in the
next five years.
Well, on your way there.
Yeah, in the next five years,so I'm not going to have an old
(36:31):
lady job want to collect, rent,collect, rent.
Speaker 2 (36:33):
I still want to get out, I do.
Speaker 1 (36:36):
I'm gonna go buy and check on my pride.
I can go buy and check on mypart.
Speaker 2 (36:38):
That's work, I'm gonna go drive people.
Speaker 1 (36:40):
I'm gonna go taking care of my spots uh-huh, I'm
gonna go by and go look at the,look at the properties and stuff
you know, or I'm gonna look atthem from the webcam while I'm
in Italy with you.
Speaker 3 (36:52):
She said, from the webcam we still can do stuff.
Speaker 1 (36:55):
Look, while I'm in Italy and Costa.
Speaker 2 (36:56):
Rica with you.
We still can do stuff.
Speaker 1 (36:58):
I'm going to be over here.
Hold on y'all.
Speaker 2 (37:00):
She said from the webcam I got to check on my
properties.
Speaker 1 (37:03):
Yeah, so initially I'm fixing, flipping, and then
by the end of the year I'mactually looking for land.
Now I want to build, startbuilding, and guess what?
It's all coming off credit card.
Speaker 2 (37:14):
Yeah, y'all got some gems today.
Speaker 1 (37:18):
Hello, but yeah, but I'm going to set up school
S-K-O-O-L, which is just theplatform.
B been trying to get me to doit for long as William been
trying to get me to do it forlong as Billy.
Um, he's like oh, you need tobe doing these webinars on
school, but not, not for that,but he was talking about the
travel webinars and stuff.
So just moving it from thatplatform.
(37:39):
But I love our group.
Um, it's almost 3000 people inthere, but really it's probably
about a hundred that are activeand what the travel
professionals training network,so less than 100 of us go move
over here.
That's really about about somebusiness right now, because if
you're not leveraging yourcredit and if you're not
(38:00):
leveraging our businesses rightnow to start whatever new
venture, you want, to do itdon't have to be real estate
whatever new venture you want todo.
You know you, you're sleepingon it, you're sleeping on it.
So that's that's kind of mynext phase of of life, and then
I'm gonna come sit over in italyand costa rica with y'all.
Yeah, because I ain't doingthat, I'm uh I'm out I'm just
(38:24):
out.
Well, you know what I've alwayswanted to be.
Speaker 2 (38:27):
I've always wanted to be rich.
A property management companyyeah, oh no, the property I'm
not managing, none of that.
Yeah, and live life.
Speaker 1 (38:34):
Oh no, it's gonna be under a property manager.
I'm not.
I ain't calling nobodycollecting no money.
It's gonna.
I mean they only get 10 or soeven if they, you had to get
them 15 it's worth the headacheI'm gonna put a warranty on
every property, something wrongcalled warranty company they'll
send out the people.
Speaker 2 (38:49):
I just pay my warranty stuff like I'm supposed
to.
Speaker 1 (38:52):
I don't want to have to do all of that.
Speaker 3 (38:53):
You said you are going to have a property manager
or not.
I am, I am.
Speaker 1 (38:59):
Yeah, but I want to sit back and just check my bank
account.
Is this the first of the month?
Is this when the deposit hit?
When the deposit hit on the10th?
I just want to check them out.
Yep, coming to Costa Rica.
Speaker 3 (39:12):
Today's the purse.
Speaker 1 (39:15):
Coming to Costa Rica.
Cherise, my money just hit.
Speaker 3 (39:17):
It's Pride Month.
It's the first day of June.
Speaker 1 (39:20):
Oh, it is Pride Month .
It is the first day of Pride,it is Pride Month, but yeah,
that's kind of my next phase.
I'm going to work hard foranother, probably five years.
Okay, another five years,because when I sit down, I want
to be able to sit down when Isay I ain't got to do nothing if
I don't want to, I will,because I know I won't stop, but
(39:41):
if I don't want to, you don'thave to, I don't have to it
ain't a worry in the world.
In the world.
So that's.
Speaker 3 (39:50):
That's where I'm at now.
It makes sense.
It makes sense.
I'm coming costa rica withy'all.
Speaker 1 (39:51):
Look, I'm gonna keep throwing that in there, then I'm
gonna come to costa rica, soyeah, and that's what I wanted
to do.
Speaker 3 (39:57):
I mean, that's what I am going to do so the
difference is soon.
Speaker 1 (40:01):
You did the entrepreneurial, so you know
what I mean, but okay not, I'mnot gonna put your thing out
there, but you have an idea of aproduct that you've been
thinking of, so you're notreally sitting down Because
that's got to go intodevelopment?
Speaker 3 (40:17):
Yeah, but if you take too much out of me.
I don't want to do it.
Speaker 1 (40:21):
No but.
Speaker 3 (40:21):
I'm serious.
Although it was sweat and tears, working on them, damn years.
But um, I was lucky enough tomeet, uh, uh well, my teacher
years ago, who was a jewish lady.
That literally told me,although I wish I would have did
, the didn't have other stuffyeah but she did teach me about
(40:44):
401s and pensions and investingand all those things.
So at least when I retire um,because it was a different era
but at least when I retire I cantruly walk away and know I'm
okay yeah, real, for real, andhave an option of doing
something else or not.
now you know, and I'll be welloff, I'll be good, I'll be good.
(41:07):
So if I do something else, I'llbe well off, I'll be good, I'll
be good.
So if I do something else, I'llbe well off.
What'd you say?
Speaker 1 (41:11):
What'd you say?
Speaker 3 (41:12):
Well off, what'd you say boo, I would go.
I mean, I put in a lot of time.
Speaker 2 (41:19):
Yeah, you've been there a long time.
I had to do it.
You know what I mean.
Speaker 3 (41:22):
And was lucky enough to be grandfathered into a
pension plan.
Speaker 2 (41:25):
So I have to say that's on my side, because a lot
of people you know aren't yeahor not um, but I said all that
to say you know, I, I havechoices, that's great, so I just
have to decide yeah, I havechoices, but I do the ideal that
I told you about.
Speaker 3 (41:43):
Um, that's a legacy.
Yes, leave for the girls.
Yeah, um, and that's my mindset, but I don't want to work that
hard though, so I really have tothink about that.
Speaker 1 (41:52):
You know I don't, but you'll have the time to figure
it out, or maybe I just need acouple a year.
Speaker 3 (41:56):
I just need maybe a year.
Maybe, girl, when you walk awayfrom see you didn't have that,
you always, even though youstill work hard, but it wasn't
like, oh, I gotta take pto, Igotta, you know, like to just
not have to worry about any ofthose things.
I think I just want a littlebit of space to just breathe,
(42:17):
feel what it's like to not haveto and but then I know my brain,
it'll be back on 10 again, butit's all a choice yeah, but it's
your choice so everybodycomment what your pivot would be
or if you have a pivot plan yes.
Speaker 2 (42:30):
We'd love to hear from you.
Speaker 1 (42:33):
All right, y'all.
Speaker 2 (42:35):
Well, here we are again All right, wrapping up
another one.
Speaker 1 (42:38):
This is timeless and unfiltered.
This is a little effort.
I'm staffing her and Sharice.
Speaker 2 (42:44):
And now y'all got me thinking over here, we are
spilling tea on midlife.
We are spilling tea on midlifeand hopefully Avon will be back
soon.
Speaker 1 (42:50):
She will Come back bruh One life at a time.
Speaker 2 (42:54):
Thank you guys.
Bye Bye, bye, bye, bye, bye,bye, Bye, bye, bye, bye, bye,
bye, bye, bye, bye, bye, bye Bye.
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