#29 Michaela Salcido | Finance, living in your purpose, parenting - Bang Two Three Podcast

Episode Transcript
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(00:00):
Yeah, like if that were to happen,

(00:02):
that's when you definitely be the woman,
be the mother that you know that you are
and you take care of business.
I like your, your bang two three sign.
Where did you get that? That's fire.
Thank you. It was actually a birthday present.
I did not ask for it at all.
And yeah, it was, give it a time.

(00:23):
I was like, oh my gosh, I feel so extra now.
I don't know.
Like is it, does it look good?
Yeah, it does.
It looks real good.
And you know what?
You have a really nice smile.
So yeah.
(laughs)
- Michaela, you better stop.
Listen, that's the nicest thing anyone said to me in weeks.
And I'm not joking.
- Oh, okay.

(00:44):
Yeah, you're very handsome.
So it's very--
- Holy shit!
- I'm serious.
I'm serious.
A lot of podcasts are hosts are just like not cute
and your hella cute.
So ladies, if you're listening, he's a looker, okay?
Yes, yes ladies.
Listen, I'm not just a voice.
I can do it all.
I can do it all.

(01:04):
Listen, I got the looks.
I got the look.
- I love it.
- Don't talk about the brains.
Let's not talk about the brains, okay?
Do you want to know my GPA that I graduated high school with?
- Sure.
- 1.9.
- Are you serious?
- Yeah.
And the backstory is that the only reason I got to graduate
was because a specific teacher gave me a D instead of a F.

(01:27):
I earned the F.
But he was like, you know what Chris?
I'm gonna give you a break.
I'm gonna bump it up to a D.
If he would have gave me a F,
I would have had to repeat the 12th grade.
- Oh my God.
Well praise God and you got your grade.
(laughs)
- I know, man.
And that's the thing is my whole high school,
my whole school career.
I hated teachers.
I hated them.

(01:47):
- For real?
- Yeah, I was always in trouble.
I was always in trouble.
And so it's like the fact that a teacher is the reason
that my life wasn't wrecked, it's kind of ironic.
- Amen.
(laughs)
- Yeah, for sure, for sure.
I wanna just say first and foremost,
but thank you for inviting me and I appreciate your time.

(02:09):
I mean, it's an opportunity to kind of share
what I'm really about, so I thank you.
- Well, thank you too.
You're the nicest guest I've ever freaking had.
I don't know if this is-- - Seriously?
- Wow.
- I don't know if this is a tactic or something,
but it's work.
- No, not at all.
No, not at all.
So my name is Michaela and I have a small company.

(02:31):
It's called JLM.
I do have a YouTube platform.
We're about 337 strong.
It's kind of nice, but I'm definitely new.
I have my bachelor's in business administration
with the focus in finance,
and I am an inactive student Harvard University.
I am working all my capstone projects.

(02:56):
Well, okay, so let me backtrack.
So I'm inactive at Harvard right now,
is accepted to Harvard Business School Online,
and I work for one of the most prestigious children's
pediatric hospitals in the world.
I am a financial analyst and I love it.
And JLM, what I have produced,

(03:16):
is a financial booklet for females.
So basically my mission is to help women build and cultivate
their financial culture.
So that is everything, that is every, okay,
so that is your dating life, that is your career,
that is your faith life.
And this booklet gives you a financial snapshot,

(03:41):
but it also includes your diary entries.
And that's nothing that is on the market presently.
So traditionally, we have been taught
that our finances are separate from our life,
but that kind of takes away our consumer power.
And who you are as a consumer is who you are as an investor.

(04:02):
So what JLM is here to do is to help, again,
put women build and cultivate their financial culture
so that they can really stand in their purpose
and really can really contribute to the global community.
So that's really what we're about.
- No, no, it's beautiful, go ahead.
- Thank you.

(04:23):
- You said something that I think is really interesting,
which is like finance and culture and like finance and life.
So I think it's pretty cool you put the journal in there.
So I wanna talk about finance and something that,
oh my gosh, is that you?
- No, no, this is actually alumni.
The women that our models are women
that really back our movement.

(04:43):
And they are either working in their field
or they're in their field of research.
So I love that our...
- What does she research?
What does she research?
Oh my gosh.
- So she's a CPA.
- Law or no?
- Yeah, so she's very smart.
Let me show you here.
- Oh my gosh.

(05:05):
- She's a screenwriter.
Yeah, for sure, for sure, I can send you one.
Yeah, they are very, very nice.
They are, we sell them on Amazon.
I can send you the link.
I would love feedback.
If it's great, give us a four star.

(05:26):
If it's trash, if you're like, oh my God girl,
like this gave me no value, let me know.
We are not afraid of the critique.
What's, 'cause what's important is the mission
and cultivating and getting in the right alignment
to serve the global community.
So please give us that criticism.

(05:48):
I would say my first feedback is that
that book is definitely geared more towards guys
with those beautiful women.
- Oh, really?
You think so?
(laughs)
- You're talking about, I'm a guy,
I love beautiful women.
- So you would go to Starbucks?
Would you go to Starbucks and do your bills
and write out your life in this book?

(06:09):
- No, I would probably go to the bathroom and jack-o-all.
- Oh my God, yeah, so yeah.
Okay, well, I don't know.
Clarity is clarity, I don't hate.
If that's your clarity, that's your clarity.
- Maybe we could put some hot guys in there or something,
but no, okay, so you can talk about finances and culture
because I think this is something that a lot of people miss

(06:31):
that like in my opinion, and I'm not a finance expert,
but from what I see on the ground.
- But you're a consumer expert.
I'm sure you know your weaknesses.
I'm sure you know your strengths
and that's what's really this is about.
- Of course, but I think,
a lot of people glaze over the fact
that financial decisions are made because of life decisions.

(06:52):
And one example, and this is what nobody,
no smart person wants to touch.
At least I haven't been able to read it.
How do we get people out of poverty?
And I'm not just talking about like,
oh, I work a minimum wage job and so go get a degree.
No, no, no, I'm talking about,
I'm a single mother, I have three kids,
two baby daddies, two jobs, I work 90 hours a week,

(07:15):
and I can barely cover the bills
and I'm on government assistance.
What's my next step?
- So the 90 hours a week,
and you have two jobs, can you give me like some real employers
that that would put a part,
that would, could you give me a realistic employer
with a realistic like per hour?
'Cause that was a little extreme.

(07:35):
- No, I know, I spout it off, but I've seen this
because I'm from a very poor area.
So these are my people.
So make Donald's $10 an hour,
and then let's say you're stocking maybe overnight at Walmart
and you make it $12 an hour.
- Okay, and so there are two part in head time jobs,
not two full time jobs, correct?
Because...
- No, I mean most of them...

(07:58):
- Could you, because if, I mean, could you,
is that really biologically feasible?
Eight hours and then how many hours are you sleeping
and then you're doing overnight stocking?
That would be a really, really risky to your health
and to your mental clarity.
That would be very, so are you re-agreing
on that economic condition?

(08:19):
- All of that takes a backburner
whenever you have three kids to feed.
That's what I'm saying.
Your mental health, everything goes.
You have kids to feed.
They need shoes for school, they need a book bag,
they're pissed off, they don't have...
- That's a one time purchase though.
So like I am a mother.
I am, I...
- That's awesome.
- Yeah, I am a mother.
I have my Albus daughters in college.

(08:39):
She's 18 years old and my youngest is in seventh grade.
I am a single mother.
Going to college.
So at university, I had the opportunity
to have two part time jobs.
So I would do two days, during the week
and then my Saturdays and my Sundays,
I worked four and a half hours shifts,
which was, you know, praise God, I had that opportunity.

(09:00):
And so when I was doing dinner
and in between dinner and getting the girls to bed
and I just wanted to look over like a homework,
I would include my girls
and I made it cool.
I made it the buzz in the house.
I made their homework important
and I made sure that I didn't waste energy
on things that were not going to feed me energy.

(09:22):
So I made sure I was going to eat well.
I made sure that I was getting enough water.
I made sure that I went to bed
and I got enough sleep.
I made sure that when I was studying
and I knew that my girls needed time
to kind of let mom study,
that I'd read my textbooks out loud
because kids are really fascinated by their parents,
you know, that you were their world,

(09:42):
we are their consciousness, right?
So basically they're going to want that 5, 10 minutes
of attention.
So you give it to them, you read the first two pages
of your textbook.
It's going to help you and it's definitely
going to help your children.
And then after 10 minutes, they kind of get bored of it
and then they go back to doing what they're doing
and you get that study in time.
That is how you stay committed.

(10:05):
Now in terms of your financial decisions,
then you want to write it down.
You want just like now,
I now I work, you know, a nine to five job.
I'm building financial models.
I'm working with some of the best financial

(10:26):
directors in the world, right?
But even before then, I was writing down everything
and even before going to university, I was on welfare.
I was utilizing $500 a month.
I was in a low income apartment that wasn't very nice.
It wasn't, you know, there was nothing, you know,
great about it, but it was it was safe

(10:48):
and it provided shelter.
So even then any financial aid that I utilized
or that I received in community college,
because I didn't go from high school to university.
I didn't have that opportunity.
I went to community college.
I utilize that financial aid to pay towards bills.
But my priority was my mindset, my energy,

(11:11):
and my faith, and my girls.
So you can't mess around.
So it is hard when you are, when you have two jobs,
and you know, you're trying to handle your bills.
You have to write everything down
and you have to be real, you have to stay committed.
You can't play any game.
So stay in on social media at night is not gonna feed you.

(11:32):
If you're watching a lot of TV,
if you're doing a lot of complaining,
I mean, if you're not beating yourself like faith,
and it doesn't even, not even, it could be any religion,
but you know, a lot of people are more spiritual.
A lot of people just like self-help books.
Whatever is gonna feed your mind to stay,
to keep you to stay in clarity

(11:54):
and keep you away from a lot of stress.
That's what you wanna cultivate.
- Yeah, that's really interesting.
So I guess the logistical advice would be to
hey, use all of those precious seconds you have,
single mother to study, I guess, in an effort to go to college
and then raise.
- Well, you are in college and that is the dream, you know?

(12:16):
We know that college is gonna give us a better life.
We have this dream that's placed on our heart.
Oh, I would be a great nurse.
Oh, I would be a great doctor.
Oh, I would be a great teacher, you know?
Oh, I would be a great financial analyst.
Oh, I would be a great researcher, you know, in science,
archaeology and pathology, whatever, whatever, you know,

(12:37):
whatever is coming to you,
whatever is being placed on your heart.
So, I mean, we have to stay in gratitude.
Yes, it's difficult, but there's a reason
why you're being called to that industry, to that subject.
- I think a lot of the times whenever I see females
and women and all of this in this situation,

(12:57):
unfortunately most of them are not,
which you would call career-oriented people.
They don't really care to climb the ladder.
They just, their family connections
and these type of things are most important to them.
And a lot of times it plays out like this.
I've seen this play out so many times with my friends.
It's like, oh, she got pregnant at 17.

(13:18):
Oh, that's okay.
She's good, right?
Yeah, got pregnant at 17.
And it's like, damn, she got pregnant at 19 for a different guy.
- Yeah.
- And then, and now she's putting a situation to where,
her future goes on the back burner.
Everything's on the back burner.
And now she's just like, well, shit, I don't have,
I didn't build skills, I didn't,

(13:39):
I don't have dreams and aspirations to change the world.
I just wanna put food on the table.
And so, unfortunately, I don't have answers
for these people, man.
- I do, I do.
I was that woman.
I was 17 years old and I had my first child.
I graduated pregnant.
I graduated seven months pregnant.
I walked down the high school graduation stage, pregnant.

(14:03):
- Did they make fun of you for that?
- Nobody made fun of me, but inside,
I felt really awkward.
I felt like, you know, that maybe I missed the mark.
But I wasn't the only woman that was walking
across stage, pregnant.
And, you know, being a Latina family is most important.
And having children young is not unheard of.

(14:27):
It's just now that, you know, culture's saying,
oh, it's so bad, it's so bad.
But if you're raised to be married, to be a good woman,
to raise a family, when you're 17, it doesn't, it's not,
it's not, you know, it's not this awful thing
until you step into society and they say,
hey, oh my God, wait a minute, what are you doing?

(14:47):
So, you know, I, if there is a 17 year old girl
that is listening, you know,
I would definitely employ you to just consider college
before starting a family.
I would definitely like to say that
because start our Mexican culture,
or a Latina culture, or family oriented culture.

(15:10):
Yes, starting a family and being a mother is beautiful,
but it is okay to wait.
It's okay to wait until you're actually ready.
So don't feel pressure.
- That is awesome.
And I think you can hit the nail on the head, right?
But they say like an ounce of prevention,
ounce of prevention is worth a pound of cure.
So yeah, you're right.

(15:30):
If, if 17, and I think girls are super mature,
even at 17.
- With big dreams.
- Big dream, like super mature.
So if, when you're 17, it's like, hey, I'm pregnant.
And look, you know, like maybe I want more kids,
but let's just put that on pause.
Let's get your shit together.

(15:51):
Let's get your finances together and then bam, you know?
- Yeah, let's get in alignment with what we want.
Now if we're 17 and we already have children,
or we have a child or that we are pregnant,
you know, just spend time with God
and really get in alignment with the blessing
that's being placed on you
because it is a blessing to be a mother.

(16:13):
And we don't wanna, again, we don't wanna undervalue that
because the opportunity to raise your children
is honestly, it will bring you the best joy of your life.
So do enjoy it.
You have, you have not veered off.
You have not messed up your life.
You were just now a mother, that's it.

(16:33):
- Yeah, you know what's weird, something that I'll find,
I don't know if you've noticed this.
I'm guessing you have, 'cause you've been this,
which is like, at least here in America,
we had this thing where it's like, hey,
what do you do?
I'm a lawyer.
Oh, you're successful.
Hey, what do you do?
I'm an engineer.
Oh my gosh, you're successful.

(16:54):
Hey, you drive a Lamborghini, you're successful.
And it's like, what do you do?
Oh, I'm a stay-at-home mom.
And it's like, you're a fucking loser.
Why?
- Okay, okay, because, okay, so I hear that, okay.
So that's so interesting that you say that.
So if you are a single, excuse me, a stay-at-home mother
and you feel like you don't have purpose,

(17:15):
you feel like that people are kind of undervaluing
your contribution to this world,
I would employ you to just really again,
not listen to that kind of peer pressure,
because that is womanhood.
There are two things in this life
that women have the opportunity to really do,
like, while we're here.

(17:35):
One is to leave faith in our children.
If our child is at school and they have a very difficult
decision to make, God forbid, they run down the hall
or they walk down the hall, that's a big decision.
They should be able to say, oh yeah, you know what?
Mom would do this or you know what?
I'm gonna rest, I'm gonna rest in God and should I run?

(17:56):
Should I be patient?
Those little moments really, really are impactful
as a middle school child, as a high school child,
as a college child, as a young adult.
So your contribution being a mom at home is so important,
and is one of the most important contributions
that in this world.
So yeah, I celebrate those women.

(18:19):
- Oh totally.
- I really do.
- I don't understand this and I'll be honest.
- Honestly.
- You know, some people may not like this.
Yo, I think that everyone should be second-class citizens
to mothers.
For example, if there's a Starbucks line,
all mothers to the front, kind of like how we do
with first responders, they get like,
to do some often stuff like this.
Like let's do it because that's the,
we don't realize we see great people in this world.

(18:41):
We see Beyonce, we see presidents,
we see great entrepreneurs and stuff.
And we may see a great entrepreneur like Elon Musk
or a great musician like Kanye or Joe Biden
or whatever, these people have achieved these crazy things.
And we just look at like him, let's just say Kanye.
It was a little weird, but he's very successful.

(19:03):
And we just say damn, look at what he did.
Look at what he did.
But we don't think that like, yo, there was a mother
and a Kanye's case, a single mother who was sacrificing her hopes,
her dreams, her life.
- No, she was in academia.
She was in academia.
She was, she was, actually she was a professor
and they actually, they studied abroad

(19:24):
and she took him with him.
So like her, although she wasn't like,
starting her own business, but she was,
she was feeding everything that was,
that was inspiring her.
Like that love that she had that she gave to Kanye
was because she was feeding herself.
And that is so important.
Like we as mothers have to still remember that.

(19:44):
It's okay to read books.
Like it's okay to still kind of venture and have like interest
and it's, it's, it's very important, honestly.
- Yeah.
But either way, it's, it's like,
I wish that we can just appreciate the freaking awesome things
that these women do.
And by the way, men too, but most of the time,

(20:06):
the women really make the sacrifice from what I've seen.
Yeah, so the sacrifices is keeping a good attitude
even when there aren't good attitudes around you.
And that right there, those, those types of that sacrifice,
us like, mothers, we will endure so much.
You could even, I mean, people could be disrespectful,

(20:29):
people could be, you know, they just don't get it.
And we will continue to have a good attitude,
continue to have a good attitude and we get tired
and we don't get that pat on the back.
We don't get that, hey girl, you're doing fantastic.
We don't get those, hey, you're an amazing mother keep going.
Like we don't get that.
So, yeah.
(laughs)

(20:49):
That's the sacrifice.
- No, you got the mindset.
Am I saying you're the rarity?
A lot of single women's are some better women, man,
because they've been beat.
- Because we need, we need, they just aren't,
we need to be, we need loves and support poured into us.
There's three things that women need,
regardless of how, you know, successful,

(21:10):
monetarily we are, we need leadership,
we need security and affection from men.
And I think if we're a little open to about that
and if culture's a little bit of ease, you know,
a little bit easier on women, especially single moms,
you know, I think younger generations would have an easier time
of standing in their purpose.

(21:31):
Everybody would be okay at what stage of their purpose
that they're living in.
And, you know, the global community would really,
we would see an uplift.
- Yeah, and by pouring into these mothers,
you're pouring into the child.
- Exactly, yes.
- Yeah, and that's what you want.

(21:51):
It's a better future.
What is for you since your mother,
what's your, I love your freaking glasses.
What's your, what's your biggest fear for your child?
Being, I guess being disrespected for being beautiful.
That's another thing, yes, that's another thing

(22:14):
that women kind of have to sacrifice.
If we come across two feminine, if we are too beautiful,
instantaneously, we are almost like challenged intellectually,
but if a man is gorgeous, if a man is coming in
in his full, authentic, what would it be?

(22:36):
Manhood or full levels of testosterone, they are praised
and there's no real challenge.
So, yeah, so that is a big, that is a big worry.
So, yeah.
- That is, that's true.

(22:56):
I've never heard anyone say that,
would you rather be a beautiful woman or ugly woman?
'Cause you're very, very ugly.
- Thank you.
I think what makes us, I think what makes us women beautiful
is when we're able to stand in our authenticity.
Every woman is beautiful, but if we are stressed out,
if we are not allowed to really explore our intellectuality

(23:17):
or our personal interests, we become our emotions
and our personality gets locked and you can see that.
So, would you rather be a pretty woman physically
or an ugly woman physically?
- I don't think there's such thing as an ugly woman, honestly.

(23:38):
- Right, no, I totally agree, but that's the thing.
It's like, I've kind of heard some pretty girls
like yourself say this.
It's like, oh my gosh, I'm pretty.
I get harassed at the gym.
Guys are always staring at me, they come up to me,
they're freaking creepy.
It's like, yeah, yeah.
- Would you rather be the ugly duckling
who like gets picked on all the time?
'Cause she has this, has no boys.

(23:59):
- Or how about, why would men think that they have the,
you know, the rights or the room to go up to a girl
because she has, you know, she's because she has acne
and kind of pick on her.
Like, that's the rule, that's something that we should focus on.
(laughs)
- I totally agree.

(24:19):
I wish we could get rid of bullying.
- Yeah.
- Totally, I totally agree.
And in fact, I did a podcast with a girl from Ireland.
- Oh, very cool.
- She said, she was like, yeah, in Ireland,
we don't tolerate bullies.
- That's cool.
- Is like, if you're bullying someone,
like another kid or another teenager go up to you
and be like, hey, what's your problem?

(24:40):
But why do you keep picking on them?
Can you please leave 'em alone?
Do you have a problem?
But here, I guess in America, we love to bully people.
We love to put other people down for some reason.
I think that's a matter of communication
between parents.
I have had some bullying situations

(25:00):
and I did take it to the school
and I felt like the school wasn't taking care of it
and they did not allow me and the other parent
or the parents of the child that was bullying my daughter
to have a meeting.
So that's almost something that's an institutional negligence

(25:22):
that I've seen, yeah.
- So do you think that that's kind of
who the spotlight is on is the teachers
and the administrators of the schools to stop this?
- I think they had the opportunity
to really impact and close the gap.
- Yeah, but doesn't like, a lot of bullying does happen

(25:42):
in like bathrooms locked, you know what I'm saying?
Like these places too.
I spoke to a teacher, Dr. Nicole Bradford,
who's awesome, awesome.
And she would always say that it's on the parents, right?
So she's a teacher, she's biased,
but she would always say it's like, listen,

(26:02):
the parents need to be involved in the child's life.
It doesn't even have to be a lot.
If the parents are just involved a little,
just love on the child a little,
just let the child know that, hey, listen,
you have self-worth, you have value,
then the kid doesn't feel compelled to be an asshole.
Or to be, I agree, and be in a space

(26:25):
where they have to compare themselves
in a, I guess, in an unhealthy manner.
Or, yeah, so it would, I don't know,
that's very difficult.
That's a really good question.
This is really good critical thinking.
I guess it would, hmm.
- This is tough, man, the same.
- Yeah, that is really tough.

(26:48):
Okay, so I do understand if a child is being,
bullied at home and that behavior
would reflect in the classroom.
And so it would make sense if the child is not
being bullied at home, they're gonna reflect,
the love and the fun and the joy,

(27:08):
that's being poured into them in the classroom.
So yeah, yeah, I kind of, yeah,
our parents and teachers need to work together to close that gap.
- Yeah.
- And also think too, that people,
like maybe even kids who aren't broken
or who have a stable house,
will participate in this bullying

(27:29):
because they're chasing status.
How do I become popular?
I want the pretty girl.
Oh, well, I'm gonna make fun of Johnny
because it makes her gig or something like that.
And that's a good culture.
- Yeah.
- I don't even know how, like,
how we could address that, you know?
- I see that.
Yeah, yeah.
And it seems, I remember, I even remember that.

(27:50):
Like, I used to wanna be the popular girl in school, you know?
There was something about,
- You were so popular.
- Do not lie, you were so popular, that lie.
- I think, I think the sports,
I think being involved in sports is what made me,
like, kinda like in the popular,
but I also had like a very humble home.
So I wasn't, I was friends with everybody.

(28:12):
So I would say hello to everybody.
But, I mean, I remember, you know,
seeing that culture and like wanting to be a part
of the popular kids, it just seemed like they were just having
so much fun, you know?
And yeah, so I get that, but now,
so the way that I'm helping my daughter navigate that culture,

(28:36):
she'll come home and she'll tell me,
and give me all the cheese, man.
She tells me everything, oh my God, you know,
this girl is, she doesn't pay attention in class,
and this guy's always talking and, you know,
they're bugging the teacher, and I just tell her,
you continue to do your work and just have fun, observe,
but that's it.
Do not involve yourself with that, with not paying attention.

(29:00):
I tell, I tell my daughter,
'cause my youngest is more social than my older daughter.
I say, your only priority is to enjoy learning and having fun.
That is it.
Don't worry about anything else.
So we don't really get caught up in like,
hairstyles or like, what's cool to wear right now?

(29:20):
It's really, what's really cool,
what's happening that's in class
at your learning that's really cool.
So she is now observing, and she is observing
like the different, the culture in the classroom.
So yeah, so keeping her to be observant,
but focused on the work is like a weekly thing to do.

(29:41):
So I would encourage other parents to kind of check in
with your child like weekly at least, because it is tricky.
- What do you mean check in like,
hey, give me the gossip or?
- Yeah, like, hey, how, yeah, like, hey, how's, you know,
obviously, hey, how's school, but like, ask,
oh well, what happened in class today?

(30:02):
What, that was fun and exciting, you know,
and just let her, and I just,
she just tells me everything, you know,
and kind of just guide her back to focusing on schoolwork
and reconfirming that her focus is good.
- Yeah, and how, I guess also too, now I'm a guy,
and I'm also like, I was also very bad kid.
(laughs)

(30:23):
Like, how do you make, because to me,
every time someone told me, hey, make good grades,
make good grades, go to college, I was just,
- Yeah.
- Shut the fuck up.
Like, I am trying to get pretty girls, do drugs,
and part, like, so I don't understand, like,
does, do you really think that when you tell your daughter,
hey, focus on the grades,
do you really think that clicks with her,

(30:44):
and it means something?
- It, it bugs, it, bugs both my girls.
It, but, it comes to a point where they're like,
mom, just, it's enough, that's too much, you know,
and, but it's only, during seventh and eighth grade,
that you'll get the most resistance.
So if you could just hang in there

(31:04):
between seventh and eighth grade, you're good, moms.
(laughs)
And reminding them that nine through 12th grade,
that's game day, that matters.
Your college application is going to reflect
your, your academia performance,
and just encouraging them and letting them know
how real it is, and how, like,

(31:25):
how big of an opportunity it is to go to college.
So, yeah, and, yeah, and, and, and, and,
making it always fun and, and kind of just feeding them
that inspiration that there's, there's so much more
after college, like, if there's, so don't, you know,
don't get caught up on the little things,
'cause, honestly, after college, like, life is still great.

(31:46):
And the friends that you meet in college,
you have for the rest of your life, and the creativity,
and the interests that you have, they keep growing,
even as an adult, so, you know, it's okay to learn,
it's okay to have fun.
- Yeah, yeah, of course, I just,
so what you're saying is up until, like, up,
before high school as a mom,
you may have to put in a little bit of extra work to,
- Yeah. - And be related.

(32:07):
- Yeah.
- Once they get to high school too,
your grades kind of become a status thing too,
because a lot of kids are very aware,
like, hey, this is Crunch Time,
and the kids who are smart and who are mature,
they are making A's, and they're like,
you know, so, I'm, and I, I wouldn't say smart,
I would say these are the kids that are staying up to date

(32:31):
with the conversation in class,
'cause that's really all it is.
And if you, and then when you're listening to the teacher,
remember, like, reminding your kids,
it's okay to ask questions.
Ask, ask those questions, tell them to pause,
get that, you know, get that, that moment,
to write down the answer.
You have to, 'cause that is very real,
it's, it's real in college,

(32:52):
and it's real in graduate schools,
real in doctoral programs.
So that's a, you wanna key in,
and you wanna celebrate and support your child
to prove that reality, it's very real.
- It is very real, and look,
I graduated, I graduated high school
with a 1.9, I graduated college with a 4.0,
'cause it's fantastic.
- That's fantastic.

(33:12):
Yeah, it came up okay.
No, I worked at McDonald's for like five years of,
you know, whatever.
So what advice would you give to either your daughters,
or maybe a 16 or 17 year old, listen to this?
How do I choose my major?
Because let me just say this real quick.
It's not just what you like to do.
There's, unless you're a superstar with scholarships,

(33:33):
whenever you hit that college,
you're also signing a piece of paper
that in four years, you're probably walking away
with $100,000 in debt.
So it's important, it's important decision.
- Student, all of this,
- All of this, what place would you give?
- I would really, okay, so as a parent,
and an advice to the parent,
I would really look at your financial aid income bracket

(33:56):
and where you are.
I know like in general terms,
if you're making less than $70,000,
your child is going to be covered by financial aid,
the Pell Grant, the Pell Grant, 100%.
I would employ you parents also to give your child,
maybe a couple hundred bucks, like a month a week,

(34:21):
so they don't take out those student loans.
If your child is getting the Pell Grant
and receiving financial aid,
there's no reason for that child
to accept student loans, have faith that God is gonna supply.
But it's, my daughter does not have any debt.
We looked at, that is exactly what we did.

(34:42):
I was petrified, I was so scared.
I make 62,400 a year.
It's not a lot of money.
I, so I don't know, I'm lower middle class,
but in the industry, if you were to compare my income level
with women, I'm in the upper tier for women.

(35:06):
So it's odd, it's odd, but looking at the Pell Grants
income restriction for the number of family members,
which is three for me,
she's able to go to college and through the Pell Grant
and able to get financial aid,
and I'm able to give her a couple hundred bucks

(35:28):
when she needs it.
- That's awesome.
- So what do you say? - Yeah, it's a very real.
How do you pick a major?
- Well, I kind of grew up around finance.
I knew when I was in fourth grade,
maybe even second grade, that I was gonna like graphs.
- You said, you said, you said, you said, you said,

(35:50):
- Yeah, like I knew - You're just what that amuse like,
ooh this is doing it.
Yes because it was so difficult, yes.
And I was just like, it made me feel smart
to kinda like, it made me, I don't know, it made,
because it was difficult, there was something about it,
and so I kinda knew that like, I was gonna go
in that direction.
Nobody encouraged me to like go to college

(36:11):
or anything like that,
but I just knew when I had that opportunity to pick
my major, it was gonna be finance.
And it was a big deal checking that box.
It was a big deal going to the counselors
and talking to them about my major.
So it's something definitely that comes from yourself.

(36:31):
I had like, talking to my girls about their major,
they kinda pressed me away like, no mom, like,
so I, you know, it's, I really don't know.
(laughs)
I really don't.
I'm asking, 'cause I'm a selfish person.
I, one of my best friends is a 17 year old girl

(36:54):
who is picking her major right now.
And I'm like, yo sis, I don't know what to tell ya,
but it's a big decision.
And I would, I would suggest,
if she's not sure, you can also go into college
as unsecured, if she's, you know,
if she's going from straight from high school to college,

(37:17):
but you could also, I would encourage her
to look into IT because Fintech is booming.
It's here, it's here.
And they make a lot of money and there's so,
there's so many new opportunities for IT,
like, engineer software, developers

(37:40):
and anybody on their team.
So, yeah, I would definitely suggest IT.
- Yo, yeah, you've preached to the choir.
I'm a software engineer and--
- Oh my God, tell me about that.
That's really cool.
- Yo, it's dope is shit, man,
but you know what I found out?
So like, I got into software engineering
because I like to code.

(38:00):
If you gave me a billion dollars today, I'm code in tomorrow.
It was my hobby before it was my profession.
But I just found out like, I'm realizing that,
like, that's not normal.
Most of my coworkers hate their jobs.
- Oh, it's awful.
- And they do it, like they got into it for the money.
And it sucks because like that negative energy

(38:23):
comes off at work.
And like, I'm showing up, I'm skipping, I'm like,
oh boy, I'm writing, I'm typing on a keyboard
and these people pay me to do it.
- Yeah.
- This is, and so it's a awesome career to get into.
It is very challenging.
If you're math oriented, then this is your thing.

(38:43):
What was interesting about me is,
I'm talking about me a lot today, oh my gosh.
I graduated with a 1.9, but I was in advanced math classes
with gifted students in high school.
'Cause I love math, I was just like, oh man,
it's screw everything, but math, I loved it.
So yeah, I would totally agree with IT, Fintech,

(39:03):
all this stuff is like, it's really, really, really cool areas.
But it just seems a little weird that we have 17, 18,
19 year old young adults.
And essentially kind of what we're saying is,
hey, what do you wanna do for the rest of your life?

(39:23):
Or not the rest of your life,
but probably at least the next 30 years, right?
And that, like, that seems too big of a burden to bear.
- Yeah, you know, it's interesting
'cause my eldest daughter said the same thing.
And she almost did it, she almost said no.
She was accepted to five universities
and she almost said no to every single university.

(39:45):
And it really is the child's personal choice.
And as a parent, if you are advocating
for your child to go into college,
continue to support your child,
like, pour faith into your child,
continue to just encourage you
to make the best decision for her.

(40:05):
And remind her, give her realistic time periods.
So, I mean, if children are going to the university
and they're at 17, they're graduating before they're 21,
they're graduating before the 23.
If they're getting their masters,
they're getting their masters before they're 25.

(40:27):
But they're getting their doctor,
and they're getting their doctor before they're 26, 27.
After 27, there's still so much life, you know?
And so it's okay to, again, to explore your intellectual
interest, it's okay, you can have it all.
There's so much life.
- Is there ever a line, or like,

(40:50):
let me give you a hypothetical,
what if your daughter came up and she said,
hey, I really wanna study X thing.
And you kind of know in the back of your head
that if she goes to college for this,
it's gonna be really, really, really difficult to make a living.
How do you juggle that?
Do you step in and say, hey, don't do that?
Or do you say, go ahead, follow your dreams,

(41:11):
probably be broke?
- No, so both my girls are very creative,
so they love to draw.
And yeah, and they love, you know, they do like the digital art
on their iPads and stuff.
They like contemporary art, you know, they're very,
they're, that's just, they're a passion.

(41:31):
They love to draw.
And yes, we had that stage where they wanted,
they wanted to go to art school,
but yeah, we did have that conversation,
a very realistic conversation.
I said, you know, there's more that we could do.
There's more, there's more that you can do,
you don't just have to be an artist, you know?
And then I spoke with them about how those fine,

(41:54):
detailed oriented skills can translate into other industries.
And so that, that was a conversation,
probably maybe like a six month conversation,
'cause they're kids, you know, it takes them a little while
to kind of, you know, take on very intricate decision making,
you know, so it took some time, but yeah,

(42:16):
parents, I employ you to have those conversations
with your kids, 'cause that's, that's very real, very real.
- So regardless of what they do,
if they wanna go into IT or arts or anything,
I think what you're saying is just--
- Still trying.
- It's, have the conversation about, there's trade-offs with everything,
right?
- Yeah. - conversation.
- Yeah, I mean, if you're an artist,

(42:37):
I mean, you're gonna be an artist forever, you know?
So let's go ahead and, you know, let's, let's go ahead
and what is it, like mature those skill sets into IT,
or let's say they wanna be a doctor, you know?
But that detailed oriented, that being specific,
going back and being patient, those are really important skills

(42:59):
as a doctor too.
So it's, you know, it's, your passion's there for a reason.
Your purpose is there for a reason.
- That's a good point, yeah, and if you're drawn to something,
you're probably gonna be good at it.
What would you, how would you handle a situation,
or maybe this has happened, if like one of your daughters,

(43:19):
you'd call them like doing drugs?
- Yeah, I don't know, I have not, we don't,
yeah, that's not happening.
That's not happening.
- You're just hiding it from you right now.
- No, that's, no, I'm dang.
Well, let's say my, my, my, my, my eldest daughter,

(43:40):
she's 18.
She,
- Yo, can I say something?
I'm so sorry.
Yo, I don't know how old you are, but basic math,
you look damn good.
- Thank you.
- Yo, that's some genetics on you, bro.
- Thank you.
- Hey, go make your mama and your daddy
'cause you have some genetic, you look.
- Thank you.
Thank you.

(44:01):
- On 22.
- Thank you.
Yeah, so I'm very open with my daughter.
I'm very honest.
So like if I'm wrong, or if I'm nagging, or I'm annoying,
and they say, hey, mom, you're bugging me,
like this is too much, like I respect that.
So over the time of showing that like,

(44:23):
when I'm wrong, you know, I'll apologize,
I'll take that correction from them.
It kept the, it keeps the line of communication open.
So my daughter, I wanna say was like a month ago,
you know, I checked it on her on a Friday,
hey, how's your day, what are you doing, et cetera.
Oh, and she shared with me,
oh, I'm gonna go to a party.
And then I was like, oh, I was like, well, with who?

(44:46):
And you know, just asking questions
and she went with her roommate, she lives in the dorms.
And they're going to like her first party,
and I asked her, you know, text me when you get there.
You know, don't accept any drinks.
I was like, don't leave campus.
You know, text me when you get back.
Have fun, you know, be safe.
Like just right there with her, and not, you know,

(45:08):
I was afraid, but I didn't, I didn't pour that into her.
You know what I mean?
Like, it's the time to mature and just be right there with her
and confirm with her that's okay to have fun.
You know, she's 18 and she's kind of earned that social atmosphere.
So, you know, and I don't want her to hide anything.
I want her to know that I'm gonna be there.
- I think the more you talk, the more I realize that you have

(45:30):
very high levels of emotional maturity in my--
- Thank you.
- Because something that you just said,
you just slipped it under, just sneaky, boop,
just sneak it in there is like,
you let your daughter reprimand you and you took it.
- Yeah, well, yeah, I think--
- Yeah, just don't do that.
- Well, I don't see it as like, reprimanding,

(45:52):
I see it as like, respecting my child.
Like, why would she, you know what I mean?
I don't know, I don't see, I don't know.
I can't explain it.
- You're right, reprimand is a bad word.
It's like bad, bad mom, but more so that maybe she opened
your eyes to something or a certain perspective on something.

(46:12):
- Yeah, and you were like, oh, you know what, you are right.
- Exactly.
- And like, that's part of building a relationship
with your children and your children building a relationship
with you, you know, through that respect.
- That is awesome.
How do you deal with like--
- Through that love, yeah.
- Like, do you like--
- I don't have, I don't have any boys, I'm just--

(46:34):
- The girls want boyfriends is what I'm saying.
- Oh, oh yeah, so yeah, so my daughter does have a boyfriends.
He's in school as well, yes, he drives and like,
he's doing his man thing, but I do encourage them.
Like when he went not, okay, so when he's here,

(46:58):
and you know, I see how he's treating my daughter,
you know, I say, you know, I'm really proud, thank you.
You know, you're a really good kid, you know?
I kind of like, I just pour love into their relationship,
but not like in a weird way.
Like, I'm like, what is it called?
A helicopter mama.
I just, you know, when it's a pro crew,

(47:19):
when I see that he's opening the door for her,
or when he, you know, when he's being compassionate with her
and just caring, I say, you know, that's,
you guys are fantastic, you guys have great communication,
you guys are both really great.
I hope you guys are remaining friends.
Like, you know, so like, I just, I tried to,
but even then, like, I don't know, it's, I feel like,

(47:42):
it's just a moment to celebrate like,
my daughter at this new level, you know?
And so it is, it does come back to a celebratory thing.
So I am a mommy's mommy, I think.
Yeah, but it's very new, so it's hard to kind of reflect
right now because it is very new right now, so yeah.

(48:02):
- No, yeah, I could only imagine how scared
that boyfriend was to meet you.
- No, I mean, I'm not a scary person at all,
but yeah, maybe there could be a little bit fear of like,
whoa, you know, I gotta be honest, like in this,
in this household, I gotta, I gotta be right.
Like, I can't be a brat.
- You're intimidating, you don't think you're intimidating?

(48:23):
- No, not at all.
- Not like, physically, but like you are intimidating person.
I would be too much to teach you.
- No one, well, thing, I don't know what to say to that.
- It, well, I'm sorry, I'm sorry if that hurt your feelings,
but I think it's like a stack of things,
it's like you're a very pretty girl, that's intimidating.
Let's be honest, right?

(48:44):
Your teeth are extremely white.
Oh my gosh, I'm scared of myself.
- Yeah.
- You're very, very well spoken.
You seem like one of those people, and I just met you.
So yeah, am I stereotyping?
Yes, I am.
Sorry, but you seem like one of those people
who has an answer for everything.
And those type of people, it's like, wow,
you're so put together, you're pretty.
Your teeth are white, I'm scared because like me,

(49:08):
or guys, like, I'm not like that.
And plus, I want you to like me because I'm dating your daughter.
- So encouraging.
So this would, so this would kind of circle back
to that pretty privilege.
So because I am mom and let's say because I kind of have it together,
taking, being encouraging and confirming the better qualities,

(49:31):
the best qualities that I see,
like that is probably the best approach, you know,
as a parent, as a mom to, yeah,
encourage their child in their relationship.
And so welcome the boyfriends.
- That is awesome too, because you're right.
And I think, you know, I think you probably would,

(49:54):
it would be great because you do have such a great open mind
and you are very welcoming.
And people can't pick up on those things,
whenever you walk in, it's not like in the movies where you see,
like the boyfriend walks in and like the dad's cleaning his gun.
- Oh yeah.
(laughs)
Yeah.

(50:14):
- Yeah.
- I don't like that with you.
- No, no, not at all.
And it's not like that with me because I do extremely well
and I make my best decisions and I think best when I'm in my,
in my best attitude, when I'm in my, you know,
so in my best attitude, in my best feeling,
so because I care about the well being of my daughter,
because I care about the well being of this new relationship,

(50:35):
I'm not gonna, I'm not gonna,
I'm not gonna parents over that relationship in, in, you know,
with pride or like if I know everything, you know,
like I'm gonna, I'm gonna come correct,
I'm gonna, I'm gonna see the great dynamic
and I'm gonna celebrate it, I'm gonna reconfirm it
that that's real, that's there.
- Yeah, I'm sure there's always lines though, right?

(50:56):
You probably, it's like, hey, do you have fun?
I'm so happy for you, but then the next day she shows up
and she has a black eye and...
- No, that's never, no, no, no, no, no, no, no, no, not at all.
- That's what I'm saying, but now, okay,
now you need to put on the mommy cape, right?
And you need to go, right, you need to intervene.

(51:19):
- Yeah, like if that were to happen,
that's when you definitely be the woman,
be the mother that you know that you are
and you take care of business, like you,
you call the police, you do everything that you're,
you do whatever you're supposed to do.
That's, that's an incredibly, yeah,

(51:41):
that's an incredibly, that's incredible,
like that's difficult, like that, I can't, that's horrible.
- And I couldn't imagine either.
And what sucks too is that sometimes it is good
to have a strong mother or a friend or something
because like whenever these relationships are abusive,
sometimes...

(52:02):
- You can't cripple us, like, okay, so what I'm saying is that
it's not that I wouldn't be able to handle and like,
and to fix that problem or to get resources
for that problem to be healed.
That's why you stay as a person, as a mother, as a woman,
that's why you wanna stay confident in being your best self

(52:23):
because when shit hits the fan,
when things are absolute, when things happen that are awful,
you know that you are capable of handling it.
You know that your best decision is gonna guide you through
that storm, so, yeah, so that's, yeah, yeah.
That's what I have to say about that, yeah.
- No, you are like the freaking model mother.

(52:45):
And that's the thing, it's like, I wish, like that.
- I have this weird thing, and I have this weird thing
where it's like, I think late at night,
and I'm like, why is like Angelina Jolie so famous?
But people like you, nobody knows,
you're such a great role model.
Why can't we put you on a pedestal?

(53:07):
- I think because I'm here to encourage women
to utilize their analytics, to utilize, like,
yeah, to utilize their analytics in an authentic way.
So again, bringing it back to the JLM booklet,

(53:28):
it really, if you can, if you journal your life,
and you can see who you are,
and you have your finances journaled with that diary entry,
you can kinda see your own analytics,
you can kinda celebrate your analytics,
celebrate your decisions, celebrate your best character,

(53:52):
celebrate your best intentions,
and that really does, like, aid align you with your purpose,
and I mean, your purpose is huge, I'm a mother, I'm a woman,
like, I don't need to, I don't wanna be,
it's not me, you know, it's you, it's the women,
I'm here to celebrate them and to empower them,
to really understand, like, that their decision-making
is to be celebrated, and that it is important,

(54:14):
and their best care, like, I'm here to celebrate.
That's why I'm not in a pedestal.
- Well, I think more people, I wish more people like you would be,
and even for example, like a small example,
would be like Oprah, right, who came from the bottom, right?
I like people like that.
Do you ever, like, go back and read,
hey, what, what did my journal read like?

(54:35):
- Oh yeah. - Three months ago or something.
- Oh yeah, and then now I even ask the question,
how, what, what advice am I gonna leave today
for tomorrow's version?
So, like, instead of looking back,
like, and, 'cause I hear, like, on Instagram and like on Twitter,
like, a lot, like, you know,

(54:58):
interviewers will ask, you know, random people, you know,
out at, like, at the beach or something.
What would you give the 17 year olds version of yourself?
What kind of advice would you give them?
You know, and it's like, it's a great question,
but like, we have an opportunity to leave ourselves,
like, the best advice for tomorrow.
And it's like, that, I think, I don't know,

(55:20):
I think that's really important.
And I wouldn't have been able to even kind of get this perspective.
If I didn't write down, like, my culture,
if I didn't write down my financial snapshot together.
So, writing everything down just gives you more innovation.
And it's just, I don't know, it's an opportunity
to change culture too.
So, I don't know.

(55:42):
I really, I really hope I answered that question.
I think I felt, I don't know, speaking from the heart.
It doesn't matter. We're talking.
And I'm gonna be talking about hours.
You can talk about golf, I don't care.
Let's do you writing your journal.
Like, don't you want to tell me word for word,
but like, you do, like, just a flow of thought
or like, some people want to do lists?

(56:03):
Yeah, so I have that as well.
So, okay, so a small example.
So it says, month, and then it has the blank.
And then it says strategy.
Now, typically, we're told we should put January, February, March.
We should put the month and the date for our snapshot.

(56:23):
But for me personally, I'll put holiday season.
I put love, I put flowers.
Next, my next six week pay period is called Justice.
And I don't know why it's called Justice.
I've been kind of, I just kind of gear with my emotions.
And that's what's so beautiful about owning your own analytics

(56:45):
because then you see that something else is growing.
You see that you think different.
You see that, like, your thinking process is a lot more creative
than what has been taught to us.
And the results of being able to be fully creative
in your own analytics and your own decision making
like brings real innovation.
And it really does like, contribute improvement

(57:07):
in your life, like, intimately, like, right here
in the first five people that you know,
you're going to see that your dynamic is much better.
So writing down your life, writing down your faith, your career goals,
your personal goals, your goals for your family,

(57:28):
alongside with your financials, changes your life.
You will see a change, you will fill a change,
you will be thinking differently, better.
I totally agree.
It is a weird thing because whenever you say it,
normally I'd be like, yeah, that sounds like bullshit.
But if you just do it, just give me a break.

(57:49):
It does work.
Well, see, I get that, I get that question,
I get that response from men a lot.
They're like, mm, but we have to remember
that like this is geared for women
and we are very emotional.
So the format is the strategy.

(58:09):
So when you open up the booklet, you get either,
you get six weeks of payment snapshot
or you, if you're paid by, by weekly,
you get three months.
If you're paid monthly, you get six months.
There's also, it's for a month for your fixed expenses
and your variable expenses, your savings, and your cash flow.

(58:30):
Now we know with new, with the new innovation
and the new fentec updates and like the new developments
of the way that the credit score is changing,
we know, for consumers, we know that our cash flow
is going to be viewed more often, especially if you're a renter.

(58:50):
So our cash, so I have the cash flow
formatted in this book.
So the snapshot is very good.
It's very reputable.
And so it's not bullshit.
And I even, at some point in my process,
like sometimes I'm like, I do doubt myself sometimes

(59:11):
because I'm human.
I want to check myself.
I want to make sure that I'm still making good decisions.
I'm still in alignment with my objectives, with my dreams.
So that's why I write it down.
And that's why I write down everything
because I can see where my emotions have started
and where they've blossomed and how my actions have,
have not backed it, but how my actions have benefited

(59:35):
from how I'm thinking and what my intentions have been.
So real, this is very good.
- Hey, it is a beautiful cover, by the way.
- Thank you.
- But yeah, I think it is interesting
because I know myself and a lot of people, a lot of guys,

(59:58):
we play games, right?
And we'll play, they call these like RPG games.
And it's like, I don't know what that is.
- It's like a role playing game, it's like Zelda, right?
And the whole objective is to level up.
It's like, hey man, I'm at level one.
I need to get to level two.
I need to get to level three.
And we're constantly doing this in life, right?

(01:00:19):
We're constantly, but if you don't have the ability
to like go back and say, hey, what level was I at a year ago?
And you can feel really stagnant.
You can feel like, oh my gosh, I'm making no progress.
But with something like the journal
or like that historic snapshot,
you can go back and say, oh my gosh,
I was drinking three times a week a year ago

(01:00:40):
and now I'm sober.
It's stuff like that.
- Yeah.
- It feels good.
- And you can see, and also you can see like,
what was causing you to be indecisive?
What caused you to go and shop?
Why, you could see what is triggering
your expenditure habits?
And if you know what's triggering your expenditure habits

(01:01:02):
and you're kind of, and you're familiar with how you,
with your spending behavior,
then you kind of know your risk tolerance.
And if you know your risk tolerance
and you know the type of investor that you are
and being an investor, it's very, very, very pivotal
for your wealth.
- Yeah, yeah, that's it.
What are your goals, like what are your goals of dreams

(01:01:22):
for the next five, 10 years?
- The next five, 10 years.
- Definitely to share my mission,
to really help women build and cultivate their financial culture.
- Is there like, is there like a strategic, like,
idea or approach with going with only women?

(01:01:46):
Because don't you cut the market in half?
- It's really not a, I'm not going for profit.
This is very mission-based.
And I'm really, I'm really here to be in my purpose
and to contribute to the global community.
- That is real.

(01:02:07):
- That is awesome.
And you know what, then it is real
because whenever you say that, you're like,
no, listen, 'cause everyone says this,
all the companies say this, we're mission-driven,
we're mission-driven, we're doing this,
but you kind of like, hey, I am mission-driven
and look what I'm doing to do it, right?
You're kind of like profits on the table
to help something that means something to you.

(01:02:28):
- Yeah, I can't say necessary, well, yes, it's, okay.
So this means the world to me
because I know that it would be helpful
and that I know that it's my purpose to share,
to share and to help women,
like build and cultivate their financial culture.

(01:02:51):
Why is this important because women, okay.
That was a really big question.
I love this challenge.
Okay, I think it is a bit biased,
but I'm not profit-driven at all.
I'm okay, I know how to live, you know?
The things that make me happy

(01:03:14):
is eating really well, working out, listening to music.
Like, I'm a really basic woman.
So I'm not chasing profit.
This isn't about chasing market share.
So this is why I can be like mission-driven,
but ultimately it's a blessing to have this purpose

(01:03:37):
and I really am faith-bound, faith-based.
So all of the, like, if you see a strategy,
like that's not me, you know?
All glory to God.
Like, I really feel like he put me in my purpose to share
and if it grows and it has been growing
and it really is, he's the credit.

(01:03:57):
He is, it's him, it's not me.
So, I mean, I'm not, yeah, I'm not trying to break.
I'm not, I don't know.
I don't know, that was a difficult question.
- So, yeah, I think the counterpoint, because you're right.
So, I am, first of all, I don't know, right?
I don't know in a business, but, you know,

(01:04:17):
I read the internet just like everyone else, but,
- Yeah.
- I've heard people say that, hey, if you really want
to make an impact, make a for-profit company,
go make a boatload of money and then you have the impact
with that.
Some people, I've heard some people argue that,
- Actually, well, right now we are in a space of comparison

(01:04:38):
and that kind of drives in kind of grows like self-doubt.
So, like, I'm not, I'm not really in that,
I think that's why I'm uncomfortable,
but I think that's why it's difficult to answer this question,
because if I compare my purpose and my,
and my ability to share with companies,
I kind of take away the value of what I'm sharing.

(01:04:59):
So, I'm really not really focused on comparing,
at the, yeah, I'm not, I'm not really focused
on comparing.
- No, I'm not.
But, I think it would be, like, it's probably a fact
that Amazon.com can have a bigger impact
on women's financial health than you could right now,
'cause they have boatloads of money.

(01:05:20):
And so, that's the counter-argument.
- I think, yeah, I think we definitely could say
that is the fact, because the fact that they allow all,
like, they, okay, I see what you're saying, okay,
the fact that they allow everybody to kind of,
to sell items, you know, through their venue,

(01:05:40):
and they have a very good, reputable,
logistics, like, process and return policy.
I mean, yeah, you can say that they are.
You can say that they're helping me now.
We could say that Amazon is for, you know,
the betterment of women, like, and, you know,

(01:06:05):
in the market.
- No, what I'm saying is, have you thought about saying
that, okay, my mission is to impact women's financial health
in the best way I can?
- Well, that's not my mission, though.
My mission is, it's not their finances.
It's not their finances.
It's women celebrating their analytics.

(01:06:25):
They're thinking, they're decision-making,
the process before making a decision
and seeing the result from the decision.
It's the thinking.
I'm celebrating, no, I'm celebrating,
and providing a tool for them to use
to think, to think out their decisions
and to see how their intentions in their character

(01:06:50):
and their decisions really do either support their dreams
or they don't support their dreams.
Either they support the direction
that they want their life to go or it doesn't.
And if they, if they just, if we just have that opportunity
to see and have it, then we have an opportunity
to make a choice, we need that clarity
and I think everybody needs that clarity.

(01:07:11):
So I like how you just kind of pointed out,
like, okay, why is it just geared towards women?
And to kind of give you a response to that,
I feel like women are never given enough pause
or enough time to kind of look at their own decisions
and we're kind of toxic, kind of just let the man make

(01:07:32):
the decisions, you know?
And so, and sometimes, you know, you know, man go out
and they do their best too and I'm sure that they could
appreciate a little bit of help from their woman, you know,
from their partner.
So again, I know that's not what I'm saying at all.
- Oh, okay.
(laughing)
Sorry.

(01:07:53):
- What I'm saying is, right, have you thought about
maybe using the strategy, and I'm not recommending this,
I'm just saying, have you thought about using the strategy
of, hey, you know what, I'm gonna be a greedy capitalist
for a year to make as much money as possible
and then I'm gonna use that money to jet fuel my mission
in a way that maybe you can't right now.
- I know that greed doesn't work.

(01:08:15):
Greed does not work.
You can't do anything without intention.
And if my purpose is important, if helping women build
and cultivate their financial culture is important,
I gotta stay away, like I can't, greed is just gonna,
it's gonna hinder that, it's gonna take away the value
of that.
You get one life, you get one chance to contribute

(01:08:35):
to the global community, I'm not gonna waste it.
- Of course, and that's the beauty of you, right?
And that's what comes through every single poor,
- Thank you.
- There's a poor on your body.
- Oh man, I'm not even worth makeup.
Oh, please filter, please filter.
- Yeah, we gotta, we gotta slap you in the filter.
- Which is like, you are just like,

(01:08:56):
and that's why you're so different, because you're like,
listen, I have this mission and maybe lots of things
that appeal to lots of people do not distract you.
You're just like, nope, this is it.
Oh, money here, men there, you know,
other things, drug sex and alcohol there,
nope, I'm going, I'm going, right here.
And you are so freaking focused, man.

(01:09:18):
- Thank you, I appreciate that.
- Heck yeah, do you like Taylor Swift?
- I don't listen to her music enough,
but I like her hair, she's really pretty hair.
- What do you think about this tour, man?
She hit this tour and like, took over the world.
- I haven't seen anything about it.
I've kind of not been, I listen to Christian music.

(01:09:40):
I think that's, yeah, and I'm not saying that,
like I'm like some like super holy girl
that presses faith on anybody, but it really does fill me up.
And I like how my life feels when I'm filled up with the word.
I just, that quality of living feels good to me, so.
But I do listen to other music.

(01:10:00):
- Yeah, so, but I just haven't gotten around
to listening to Taylor Swift.
I think she's really like fashion forward
and I think she's so cool.
(laughs)
- It's a red lipstick and I think she's beautiful.
She is so gorgeous.
Oh my God.
- I love her too, yo.
And she wears them shorts and she got that little butt.
I'll shake that butt there.
You go ahead with that little butt.

(01:10:22):
- Yeah, she's beautiful.
- Very, extremely talented.
She's like, very awesome.
So I noticed like kind of in society and stuff like that.
I'm sure you've noticed it too.
It seems like religion and faith and stuff.
It's becoming very unpopular.
Do you see like any side effects of this becoming unpopular?

(01:10:43):
Like do you see any like things happening to people
now that they don't have faith and religion
as much as they used to?
- Well, it's interesting.
I don't know.
I guess I would, I don't know.
Can you ask that again?
'Cause that's another comparison.

(01:11:04):
Okay, okay.
- I'll go first, yeah.
- Okay.
- And look, hey, I'm all about,
so like I've noticed that and it's, whatever,
I'm not saying it's good or bad that religion and faith
is kind of not in style anymore.
But unfortunately, I've noticed and I've have some friends,
some antidotes where my friends are like,

(01:11:25):
they're still religious, but they don't go to church.
They're religious about technology.
They're religious about their political party.
They're religious about the music they listen to.
And they hold these things, and I'll say they're religious
about it.
What it really means is that these things have taken
the natural whole that religion has in our heart.

(01:11:48):
So they kind of have something there,
and this is how I'm diagnosing it.
It's like they have a whole,
and instead they fill it with whatever,
call it politics, right?
And they fill it with that and then they hold it so true.
And if you poke that spot, oh my gosh,
they'll explode and stuff like that.

(01:12:10):
So unfortunately, I think I've seen this happen.
Like people are, like, they're worshiping something for sure,
but it's just not a God or something.
And it's kind of weird.
It's something that I've seen recently happen
maybe over the last 10 years.
I've seen like,
- Wow. - Religious but non-spiritual people.

(01:12:32):
Have you seen that?
- Religious but not no.
I've never seen that ever.
Religious but not spiritual.
So could you give me an example,
like a really, like just politics?
Like they just talk politics all day?

(01:12:52):
- Yeah, well politics is an example.
So like a lot of people...
- So what would be like a real example?
It's interesting.
I'm not, yeah, like a real example.
- I'll give you a real example.
They have a high.
Who, well, I never met the guy,
but every day this guy has a huge fucking truck

(01:13:13):
with four flags on it,
three of them are Trump flags
and he drives up and down the street, honking his horn.
That's all he does.
And I'm like, this is like mental illness, right?
And what my gut is saying, what my intuition is saying
is that this guy politics has taken
the spot of religion in his heart.

(01:13:35):
It's like this is his world.
This is his entire worldview.
Like you say, I would be nothing without my faith.
He would be nothing without his Trump truck.
And I think we see this because politics is a good example
because it's all over the TV.
People are just like, they're taking it to an extreme.
It's like, oh, wait, you had an abortion?

(01:13:58):
I can't talk to you and fuck you, right?
It's like, what the, like, there's some weird stuff going on.
Do you think that I'm all on this?
It seems like you do.
- Let's see.
Well, okay, so I was driving back from Florida to California
and they had a Trump rally in Texas on the highway

(01:14:20):
and they had helicopters and they had a bunch of cars
with like, you know, like Confederate flags
and they had, you know, Trump flags.
And we just like drove past it.
We weren't in, we weren't in not agreeing with the parade
but we didn't cause any trouble

(01:14:40):
and they were not causing any trouble.
There's a fine line of respect.
So if that man has it in him to drive down the street
I'm sure he's not going 100 miles.
I'm sure he's going, you know, the speed limit.
I'm sure that, you know, his car is, you know, he has tags.
I'm sure he's just driving down the street and he's honking

(01:15:02):
and then coming back and probably honking too.
Like, I don't think that's, he's not doing anything
but being passionate.
So I think we can celebrate the fact that there's a person
that's, you know, still believing in like politics
and, you know, like the Democratic and Republican, you know,

(01:15:23):
and Tea Party voting system.
I mean, there's, that's okay, you know,
that system is here for a reason.
So I would not judge that person.
I don't think there's anything crazy wrong with him.
He's just passionate.
No, if he becomes disrespectful and, you know, he's,

(01:15:43):
you know, throwing stuff at people
or he's, you know, yelling profanity of people and, you know,
he's being disrespectful.
There's, you know, then that, that should be corrected
but I mean, it sounds, maybe for all we know,
maybe he's the, the nephew of a really, you know,
strong supporter of Trump and he's just trying to do his part.

(01:16:03):
We don't know.
Yeah, my observation is that like stuff like this
was much more rare 15 years ago
and now it seems to be a little bit more common
and I don't know why, you know?
Yeah, I don't, I don't care if you like fly a flag
that says like, um, sun chips are the best chips in the world

(01:16:24):
and I don't care which, like, I don't care.
But I just don't know like what is changing?
I don't know either.
I don't know either.
What's, what's changing?
Like what, so what I would employ you to kind of like,
dig into that dot, like when you say what is changing,

(01:16:45):
well, what dynamic of culture are you seeing change?
Specifically, and how many times have you seen it?
And what is actually, you know,
triggering your mind to say like, to indicate that there is a change?
Like I would, I would employ you to write it down
because after those analytics, you're gonna find that question
and it's gonna be an amazing, it's gonna be a good question.

(01:17:07):
Yeah, yeah, you're right.
I'll be, I'm way too lazy for that like all the time.
Oh.
(laughing)
It could take ten minutes.
Or not well researched.
Oh, okay.
And it's just mostly on good feeling, right?
(laughing)
Have you always been this analytical
and did that bother your boyfriend's?
Yeah, I've always been this analytical

(01:17:29):
and it wasn't, and I felt like it's always,
was kind of like suppressed until I was enrolled
in a writing class and one of my professors encouraged me
to write it down, to write it down
and he's the one that told me and it was a man.
It was a man professor and he told me your best answer

(01:17:51):
or your best question, your best thesis is gonna come
after you get those thoughts down.
And it was, and then after that class,
it was another writing class professor of mine
that told me to do the same thing.
And since then, I've taken the time to really expand my,
my thinking and my analytical.

(01:18:11):
Like I'm not afraid of that hard thought
that wants to come out 'cause it matters.
Can you be too analytical?
I don't think so.
Did that approach bother any of your boyfriend's
'cause I could see a situation where it may be it would.
Um.
Honestly, I guess you could say yes,

(01:18:38):
but I guess you could say no.
I've never had it.
Do you remember him?
My favorite boyfriend?
(laughs)
Actually, yeah, my favorite, my favorite boyfriend
was a couple of years ago,
but he always put the conversation,
especially if we were kinda not seeing eye to eye,

(01:19:00):
he kinda led the conversation to ask questions
and to, he led the conversation
always in a growing manner.
And so his leadership was very cool.
I really, we're actually still friends.
So yeah, I guess that was like my best boyfriend.
And then, yeah.
Are you gonna tell me about the worst?

(01:19:22):
No, no.
(laughs)
'Cause he was a dog.
We don't like him.
I don't like him and I don't know.
(laughs)
That's awesome.
Do you still date like what's your approach to that world?
My approach to dating right now,

(01:19:42):
I'm not dating right now.
I haven't, I have, it's what,
I probably, I've stopped dating since September.
I just, I don't know.
I just really feel focused in like,
on like my purpose.
Like, I don't know.
I don't know.
I guess I'm just not male centered

(01:20:03):
so much anymore right now.
And I'm really am trying to find a connection
as supposed to like somebody who's like really cute.
'Cause that's really easy to find.
I would really like a connection.
Okay, this is great.
So, oh my goodness.
This is great.
But yo, how do you just,
if there's a smoking hot guy, right?

(01:20:25):
Because I was just talking to my-
Yeah, I lived, yeah.
If he's cute, I'll look.
Yeah, smile, yeah.
Bye, man.
Yes, yes, of course.
You know, yeah.
But how do you, how's it like,
how do you balance out?
It's like, oh my gosh, he looks like Brad Pitt,
but he has these flaws.

(01:20:46):
Like, does the looks give you a little leeway?
To be curious?
No, like, like let's say he's kind of a jerk,
but he's beautiful.
Like, is it like, I can look past the jerkdom
'cause he's gorgeous.
I've learned my lesson on that.
So definitely looks as not as a high priority

(01:21:08):
as it has been in the past.
Okay, this is so good.
I was just talking to my 17 year old friend
and she was like, she was talking about this guy.
She's like, oh yeah, you know,
she's like, he's so boring, he's so lame,
but we look so good together.

(01:21:28):
That's a real trial and tribulation.
That is real.
And you have to, at some point, we're gonna choose
quality of a person over their looks.
It's just a maturity thing.
I would employ you to just celebrate her to, you know,
kind of encourage her to take note on his character

(01:21:49):
because that's gonna really, that's what she's drawn to.
That's what you wanna be drawn to is somebody's character.
Yeah, I would really, yeah.
How do I do that to a 17?
And not to discourage her
because by the way, she's one of the most mature people I know.
But yeah, she's like, she's like,
I want this super hot guy.
Like, how do I get through to her?

(01:22:09):
Just kind of, you know, if you,
ah, that's a, that's a good question.
Is she very materialistic?
By the way, she's like very materialistic.
She's like, just all about looks.
She's into her own looks, this stuff.
And so it's like, it's her whole persona.

(01:22:30):
Well, I kind of just, I would, I would employ you to
broaden her horizons.
So, you know, more interest, so more personal interest.
So when we're, so when we're looking at our, our, our beauty,
like it says, it says in the Bible that our beauty is something
that, that is played, that is seen by man,

(01:22:52):
but placed there by God.
So we really don't have to like spend too much time on
herself because we're beautiful, not because we see it,
but because it's, because a man, because it's being
shined by God, you know?
So having trust that like, we're beautiful, like, exterior,
because of like, how we fill inside is probably really important

(01:23:16):
to learn.
And it's not the exterior that makes us beautiful.
So if reading a book or like, drawing or, you know,
reading a magazine or, you know, playing catch, going to dance class
is like, makes you feel good.
Just focus on the fact that it makes you feel good.
Don't worry.
That's that male gaze and there's so many studies

(01:23:37):
about the male gaze.
Men are more, I guess, observant and they see from the outside
in and to kind of remind her that it's a, it's a,
it's a blessing to kind of, to be a woman and to really
hone in on, on how you feel and that's, that's most important
and kind of cultivating and beating yourself good things.

(01:23:57):
So she doesn't have to worry about all that other stuff.
No, she totally doesn't.
You totally, right?
No, not at all.
It's so hard to say, hey, listen, work on yourself internally.
You're beautiful on the inside first
and you're always going to be beautiful on the outside.
Celebrating yourself internally.
But it's, it's hard to think like that when everything in your
world is saying the opposite.
Right.

(01:24:18):
All day looking at the beautiful insta thoughts where their
ass is out, they're like airbrush filtered, everything like that.
All of the girls, all of the prettier girls are getting the
guys.
I don't want to be a loser.
Everything is saying that I need to work on the outside.
So this bit of maturity that you're sharing, I don't know how to
package it in a way that it gets through.

(01:24:41):
It would be best for a woman to kind of reconfirm the woman
that only gays the womanly existence.
It's hard for a man to tell a woman how she should process about her
beauty.
It should, it should come from a woman.
So I would employ you to, you know, find another, you know,
find a female friend, you know, that can really mentor her through

(01:25:03):
her stage of beauty because she's, she's aware that she's beautiful.
She's aware of her femininity and she's aware of how the world is
viewing her femininity.
So she is so having a woman help her through that stage to kind of
stay empowered and stay in celebratories.
You know, it would be good for her to be a blessing and it would be fun.

(01:25:25):
How did you deal with social media and cell phones and technology and stuff
with your kids?
You have daughters?
Yes, yes, I do.
So I don't know.
I just don't take my looks too serious.
I tell my girls, I love them all the time.
I tell them I'm proud of them all the time.
I give them my best energy all the time unless I'm taking a nap.

(01:25:47):
Like I really, it's not fake.
And this isn't, you know, #nohype, you know, as a parent when you're,
you know, you're, you're drinking like your fruit juices and you're drinking
water.
Like that really does a lot for your energy, you know, I do work out,
probably like twice a week.
But how do you deal with this?

(01:26:08):
It's really basic.
Do you like like Brown's Instagram all day?
They actually, yeah, so they have phones and they go on the internet,
but they're just, they're not captivated.
Like they're not, you know, like they're doing extremely well in school.
They're in extracurricular activities.
So I, and they're, they're like that because I was like that.

(01:26:32):
I played sports in college, you know, like I wasn't like, I kept my,
I don't know, I just, the way, the way that I lived my life,
I guess I just wasn't too social media centered.
It was there.
And I've had moments where I'm like, dang, like this girl is really beautiful.
The beauty standard is changing.

(01:26:53):
Oh my God.
And putting down the phone and being like, whoa, wait a minute.
That's just not real.
Like I need to appreciate my life.
It kind of resenters you.
So maybe just like a, I don't know, maybe a week off of social media
or maybe a couple of days off of social media.
So get that, that fresh perspective, that new energy and just like not take it so serious.

(01:27:14):
Don't you think that some of these women, for example, who post on Instagram,
these thirst traps?
Let's just say you know, she ends.
Don't you think that like they're kind of hurting other women
by like raising this weird beauty standard and hurting the poor health of them?
No, not at all.
I think that they're, they're wasting the opportunity to say something extremely positive
because there are a lot of women, even, there are a lot of young women

(01:27:39):
and a lot of women that don't or did not have that opportunity for a mother or an auntie
or a grandma to reconfirm, you know, their, their self-esteem and their beauty.
And you know, then to kind of help them through the stages of seeing how your beauty works

(01:28:00):
in the world and how the world sees your beauty.
So the Kim Kardashian, the, you know, the beautiful runway models, the, even the models that,
that I have, the platforms that, that they have, if they can use that platform to say,
hey, women, you are beautiful, not because of me, but because, because you feel beautiful,

(01:28:21):
you know?
So I mean, I don't know, Kim Kardashian could, it would be nice to see that, or to hear her
say more often that, you know, I'm not beautiful because I have big breasts and a big butt.
I'm beautiful because I'm passionate.
I'm beautiful because I like, I like presenting quality products.

(01:28:43):
I think her latest quality product is Skims and that, you know, that really just helped.
If you're in a sedative, you know, you're, in a sedative environment, eight hours, 12 hours
a day, wearing Skims helps your posture, it helps your back, you know?
It's not really just about having a small waist, you know?
If we have those easy reminders that like having a small waist means you have a good diet,

(01:29:07):
it means you have strong transverse abdominis, that means you have good posture, like that
means like your shoulders are relaxed and you're, and you're not stressed.
So let's, let's practice like being active.
Let's just practice not being overly stressed out.
It's not, again, it's not, it's not because, you're beautiful because of how you feel and
how balanced you feel on the inside, not because you have big breasts and a big, big butt

(01:29:31):
and small waist.
That's exterior.
Of course.
Yeah, but isn't that very misleading?
The Kardashians are a great example.
What they do is they deny lots of plastic surgery when it's quite obvious.
They deny that they use filters.
It's been caught, they deny they use Photoshop.
These are all things been caught.
Don't you think that that is like so unrealistic?

(01:29:53):
Ever, I'm a 15 year old girl looking at this picture and saying, oh my gosh, I want to
be like this whenever it's literally unattainable because it's an edited photo.
Isn't that fucked up?
Yeah, I do.
Yeah, it is tough.
It is really tough on.
Just be honest.
Like, I'm cool.
If you want a Photoshop, you want to go get your pie.
I'm cool with that, but just be honest.

(01:30:14):
Hey, look, hey, look, ladies.
Listen, I've worked out seven times a day and I spent $100,000 in plastic surgery.
I look beautiful and I like the way I look, but if you want to look like this, maybe this
is what it's going to take, all of this plastic surgery and stuff.
Wouldn't that be better?
Yeah, if there was more transparency, I remember when I was 15, I wasn't really trying to,

(01:30:40):
again, I wasn't really trying to be like, beautiful.
I was trying to figure out like what I wanted to do with my life.
I was in sports and I was in R.O.P.
And like, I knew that I was going to do something in business.
So I mean, personally, at 15, I was wearing high heels.
I had my own job and I would wear businesses higher because I felt good in that.

(01:31:01):
And so like, it's just, again, it's just the male gaze and women are not responsible,
or not responsible for the male gaze.
We are responsible for the femininity perspective, the feminine perspective, how we fill in the
inside.
So if looking at those pictures makes you doubt yourself, take note of that, change the

(01:31:24):
channel, look at something else, focus in on what you really like.
That is a choice that we have, that is a blessing that we have, that is a space that we have
for the rest of our life, regardless what else exterior is happening.
And we don't, if we had more women of influence reminding women that, whoa, we have a choice to

(01:31:48):
not, you know, to focus in on the femininity and not the exterior, I think it would, that
would be an opportunity for women to kind of, you know, rise up, you know, and not take
it so serious.
Yeah.
It does seem like every woman who's like big and popular, she's a sex symbol.
And a lot of ways.
She's a sex symbol.

(01:32:09):
And I think it's great because listen, I am the biggest fan of the way women look in the
world.
I think y'all are walking art literally.
I would rather go like, it's great to be a woman.
It is great.
We get to wake up with different emotions and we get to flow in them.
We are blessed.
Yeah.
And so like it's great, but it does seem like it happens very often.

(01:32:33):
They utilize this beauty for status and good for them.
But yeah, let's push forward.
There's some bad bitches out there.
And I'll name one right now.
Bethany Frankl.
Bethany Frankl.
I think that she start, oh, damn, does she start spanks, I think, or something like that,
or the skinny girl.
Oh, okay.
She, this is a bad, this is a type A bad bitch coming for your neck.

(01:32:59):
I don't care.
She is coming to do a job and she will kick your ass.
So if you, if you're looking for a woman role model, I love listening to her talk.
And I'm sure there's many others out there like women who have gone into business.
Like for example, Rihanna came up.
She was a sex symbol, you know, all of this.
Now she's a beautiful business woman and a billionaire.
So let's focus on these.

(01:33:21):
But she was, yeah, I mean, the, you know, the first woman that you mentioned, I mean,
she had a very good business model.
She had a quality product.
She stood behind her product.
I'm sure she had, I'm, she's another woman who looked at her analytics, knew what she was
doing.
The vision got clear.
And then she, she's in her purpose.

(01:33:42):
And when you believe and you know and you're confident that you were in your purpose, you're,
you're gonna go, you're gonna go fool.
You're gonna, you're gonna go with all your heart, you know, you're, it's a blessing
to be in your heart.
You're, with Rihanna, she's a very talented vocalist.
She had the opportunity to be creative and she made, you know, she impacted the, the, the

(01:34:05):
R&B like culture.
And she still stayed humble to her roots.
She, so, I mean, this is another woman who knew her purpose, who, who, who took her analytics
serious and, and cultivated like, and a, a, a, a, a, a, cultivated Fendi.

(01:34:28):
And her products are really good.
I mean, she, again, she had to make a decision.
She had to make decisions and, and find our, and to build a, a good business model.
It's not, it's very hard to do that.
But once you have that, that good, solid business model and you know the, the vision of your
business, you can, there's no reason not to be confident.

(01:34:51):
There's no reason why you're not going to be in your heart and, and not share your purpose,
your passion.
Yeah.
So, yeah.
[laughs]
Man, Michael, I tell you what you are one of the most purpose driven and focused people.
Thank you.
I just, you really believe a lot of times like I talk to folks and stuff.

(01:35:12):
I genuinely believe that your life does revolve around, like this, this purpose and you're
driven by it and it helps you.
It really does help you.
And it is just so awesome to hear you talk.
Oh my gosh, you're awesome.
Thank you so much for coming on show.
Do you want to let folks know where they can find you on the internet or social media?

(01:35:33):
Sure.
You can find me on YouTube at mcayla.selsido.
We are a small platform.
And again, I'm talking about the analytics behind the decisions, the decisions that I'm
making for JLM.
And I'm here to really just, just, again, to help women build and cultivate their financial

(01:35:54):
culture.
That's awesome.
And by the way, I love your little intro song to all of your YouTube videos.
Yeah.
Everyone plays, I dance a little bit.
It's a great song.
Oh, okay.
If you watched, because it's very, very new.
So if you watch the one with Josh and we're at the table, the audio is kind of like messy,

(01:36:14):
he is one of our investors.
This is like, yeah, this is not, this is not, you know, this is pretty serious.
Like this is, I'm just now coming forward.
So yeah, you can even find me on LinkedIn.
Like my, it's messy.
You know what I mean?
Like every, so, what can I, okay.

(01:36:36):
So I am an inactive student at Harvard University.
I'm on pause because I'm putting a lot of attention on my youngest daughter because seventh
and eighth grade are the most pivotal times for her, for, for call, or for high school.
And then that's pivotal for college.
So, so yeah.
I don't know.

(01:36:58):
You can find me on LinkedIn, me, kaila.sels.co, and then you can find me on YouTube.
And yeah, it's, this is real.
I was hashtag, no hype.
Let's do it, man.
Yeah.
I'll put all of that in a show note so they can just click on it and stuff like that.
Yeah, yeah.
I appreciate that.
Thank you so much for having me.
I appreciate it so much.
Of course.
Once again, thank you so much for coming on.

(01:37:19):
Nice talking.
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#29 Michaela Salcido | Finance, living in your purpose, parenting

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.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}#29 Michaela Salcido | Finance, living in your purpose, parenting