August 20, 2025 • 45 mins
Join us as Caryn Martinez, First episode guest, and I review the subjects and guests from the first season.
You can find links to connect to my guests in the show notes of their episode.
You can find links to connect to my guests in the show notes of their episode.
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Episode Transcript
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Speaker 1 (00:02):
Powered by Riverside at them. Welcome to Marcie talks money
in Life. I'm your host Money Marcy, and this is
my final episode of season one. So I brought back
my friend Karen Martinez, the serial entrepreneur and owner of
peppi Pause Playyard, to help me kind of wrap up
(00:24):
what we did over the season, talk about the people
that we've met, the wonderful guests I've had on the show,
and just kind of odds and ends. So I hope
you're joining us, and here we go. Hi, Karen, Hi,
how are you? You were in that first episode? You've
seen how far I've come. I hope I.
Speaker 2 (00:42):
Listened to all of them. I think people don't know
that I listened to them as soon as they come out.
Speaker 1 (00:46):
On Wednesday mornings at Posts and I will hear from
Karen by Wednesday evening, Thursday afternoon at the latest what
she thought of the episode, what I could be doing better,
how fabulous my guests are. So we're going to just
kind of wrap up and talk about all the people
that I've had. That first guest she was something else,
What do you think?
Speaker 2 (01:06):
I wonder if people what people thought when they learned
all the things I did one after another that might
have been a little confusing.
Speaker 1 (01:15):
Well, but if you if you listened later on, you
saw I had some other people that had wide and
varying careers as they figure out things and make changes.
Speaker 2 (01:23):
You know, who made a lot of this is to
me really fascinating. Who did a lot of changes was
Alex Green. You recently interviewed him, because he was going
from music into construction and then back into being a
music producer and then a TV producer, and just I
love the way he did that. He would just take
(01:45):
these big swings. He would just say, Okay, done with this,
you know, just completely shut it down and take a
swing at something different.
Speaker 1 (01:52):
Yeah. Though some of the times he did that because
there were challenges and he had to move on and
find something new. Not necessarily Okay, i'm bored, let's try
something new. Whereas you get someone like Donnie and he
got the business degree, became it, transitioned to real estate,
then became a financial consultant and wrote some books. Really
(02:15):
just saying okay, this is good, I've learned what I
need to know, and I'm ready to move on and
change and see what other opportunities there are out there.
And then and then you've got Michael who said, Okay,
well it's time to retire and follow my passion of
rice pudding. I think it's fabulous that these people were
willing to share their stories with me. For some of them,
(02:36):
they've had a lot of experience, and they have podcasts,
and I've guested on podcasts before, and for some of them,
this was the first time that they were doing it,
and they were willing to really come on and talk
about things. I've gotten a lot of good feedback that
makes people evaluate their own situation differently. In season two,
I'm hoping to continue to grow my followers and find
(02:59):
interesting I'm hoping I can pick up some sponsorship rather
than using standard advertisement, which I am grateful for. You know,
don't mind me, but I would love to pick up
sponsors who say, hey, we really like what you're doing,
let's support you. And Karen got to hear our theme
song for next time. We are going to have music
(03:19):
on our opening next season, so I'm excited about.
Speaker 2 (03:22):
That original music.
Speaker 1 (03:25):
Don well no No played by the house band. And
I guess I don't say this often enough. What I'm
here for is to give educational information. I am not
giving financial advice. I am not telling you what is
right for you. I'm trying to help expose you to
more financial opportunities, to consider more financial information so that
(03:47):
you can find the right opportunities for you, so that
you can talk to the financial professionals who know who
you are and what you're doing, and reach for whatever
your goals are financially and in life. So let's go
back to this. Yeah, you with your varied businesses and now, well,
I guess we're in the summer, so you're probably not
(04:09):
as busy as you would be, but you're able to
schedule better now that you're not dealing with well, unfortunately
your father's health issues as you were last time.
Speaker 2 (04:18):
Yeah. Actually, now, we did take time off for people
that don't know. I have a private doggy playground. My
daughter and I run it and we live in Arizona
and it's outdoors. But now that we've come back from
our summer trips, we do have people that are coming,
Like I'm really happy with a number of people who
are coming out in the heat. I think that their
dogs all wanted to play. So actually, it's going pretty
(04:42):
well and we're getting ready to do more things in
the fall that are promotional, like be part of festivals
and have booths and things like that to tell people
more about it. So it's a good time to plan
for the future. But we got dogs.
Speaker 1 (04:56):
I think that's awesome. It's hard when you are a
relatively new startup and then things happen in life in
the world that kind of derail your plans. And your
father had gotten sick shortly after you started, and that
that changed your focus for a while. So I'm glad
that you are back on track with that.
Speaker 2 (05:13):
Yeah, it really helps. And you know, some of your
guests also had similar things happened as well, so it
was nice hearing how they handled that. Like putting guy
who had the house fire, I don't think he probably
want to be the calm puting guy.
Speaker 1 (05:26):
Michael Farno. The website is putting it then putting that
you eat on the rice, and they do the various
flavors of rice pudding. It was a nice group that
I had because I had the entrepreneurs and the people
with various stories of their own things, and then I
had the financial experts or people bringing financial information, like
(05:49):
like Keith and Paula and Karen who brought interesting information
that hopefully gives people resources of things that are available.
And obviously we talked about divorce with Keith, and fortunately
that's not something I need to know about. But I
did have a couple of people reach out to me saying, wow,
I wish I had known that, and things for me
(06:11):
to consider as I'm moving forwards.
Speaker 2 (06:13):
He had great cautionary tales. The stories that he told
were actually really interesting and entertaining, but they were good.
So even if you're not going through a divorce or
thinking you might have one, you could kind of gently
steer people that you know that think about some of
those things, right.
Speaker 1 (06:32):
I mean, that's that's the information. I mean, that's such
good information. And what happens is when you're going through
a divorce, you don't necessarily think to ask questions. And
if you don't ask questions and your lawyer doesn't realize
those are areas he should ask questions about, there are
things that just might not get brought up. So it's
good to kind of be aware of all those things.
And Paula, I love talking money stuff with social workers
(06:56):
because so much of money becomes emotional and becomes the problem,
whether it's in relationships of communicating with each other or
your personal stuff that you deal with and your own
baggage about money. So I love talking to people who
can we can kind of bridge that gap.
Speaker 2 (07:12):
I related so much to the things that she was saying.
One of the things that Paula had noticed as a
social worker is that people will talk about really personal
things with their friends accept money. They will talk about
their sex lives to their friends, but they won't say
I'm having trouble figuring this out. I don't understand this
thing about my paycheck or my taxes or this banking thing.
(07:37):
And without people talking to each other, they might miss
really helpful things that you don't even need a professional
to know that your friends might know. She gave the
example of she originally didn't know that her mortgage lender
could take care of paying property taxes for her, making
everything easier, that she learned from a friend. So she
talked about how people really should talk about money with
(07:59):
each other more. And what I remembered is that I've
been an employer of people and I've been a dance teacher,
and in both of those cases, people would come up
and tell me terrible things that had happened about their
money and other bad things in their life. As a
dance teacher. It's kind of confession syndrome. I'm a teacher
of some sort, so they feel like they can tell
(08:21):
me a stranger who has some kind of expertise and
something that makes them feel better. But also as somebody.
And I'm not just talking about employer when I owned
an entertainment agency, just like employing people who take care
of the yard at PEPPI Pose or Leah and I
that pay people that are contractors that do things with
dogs and horses. So many people are really struggling understanding banking,
(08:44):
especially online things. So many people getting locked out of venmo.
They're like, how did I get locked out of my venmo?
I can't accept payments, there's no way to pay them.
There's all these things that are happening, and I don't
know if they're actually telling friends and relatives who could
help them. They're just telling us and we're not. I mean,
(09:06):
I really can't ask them for their financial information to
help them out. That's inappropriate, right figure out how to
get back into their venmo. Anyway, I related a lot
to what Paula was saying. What they have to do
is talk to their friends, and people exchange ideas and say,
oh I read this, or I've been doing this, or
this is how I took track of my budget. And
it's not a stranger, it's your friend.
Speaker 1 (09:27):
Yeah, yeah, that is true. And then Roul came on
and you know, many many kudos to him because he
came to Canada from India and then found going back
to India would have been a financial struggle because he
came here to go to graduate school and the things
that he learned wouldn't necessarily transfer the same way he
(09:48):
had helped because culturally and the way the business works
in there. And so he's he's looking at finding ways
to create financial freedom. I think he's got on Instagram
in other ways that he's trying to create a following.
I think move into potentially some financial services where he
can help and encourage other people to bridge the gaps
(10:12):
of controlling their own financial future.
Speaker 2 (10:15):
Yeah, and I think he's he also is trying to
do this for himself as well. He after he had
lost a job, he didn't want to be beholden to
an employer. He wanted to make sure he had some
other way that money was coming in for him, money
to invest and have that's not, you know, dependent upon
a paycheck.
Speaker 1 (10:35):
I totally agree. We've got to do it ourselves by
aggressively saving and putting money away. And that's what he's
he's working on doing and that's what he's encouraging people
to do. So I think that's awesome. And then after him,
we had the other Karen.
Speaker 2 (10:50):
Yeah, that was very interesting because she helped people that
should they be on disability or should they how can
they return to work for She really tries to get
people to be able to switch what they can do
after they have something devastating that happens to them, so
that they can return to the workforce right.
Speaker 1 (11:09):
And because she's a forensic expert on these things, so
she goes to court and helps not just the individual
and the counseling part of it, but legally, hey, this
person can work, this person can't work. This is what
they are able to earn, this is what they're not.
I mean, it's fascinating. I never knew such a career existed,
And after talking to her, it's like, well, of course
(11:32):
it does. It has to. Someone's got to do these things.
I'm glad they're bringing someone in that has that has
both the financial and the counseling and put it all
together to determine this. Because I'm certainly I'm a financial person.
I can look up the numbers, but I can't necessarily
say what this person is capable of doing all the
aspects of that. So I hope I never need her,
(11:54):
but I'm glad to know she's there.
Speaker 2 (11:55):
She has three careers that won because she helps the
people who want to be employed again. She helps the
employers and then also helps people. One example that she
gave is a caregiver of somebody who's disabled and to
find out how they should be compensated for that. That's
(12:16):
another thing she can evaluate.
Speaker 1 (12:18):
It's amazing the things that I'm learning by having these
guests on my show. And she's someone I know, I
mean not as well as I know you. You're my longest
term knowing you in my life guest. I'm not going
to say how long, but I will say high school.
And because I have to behave with you, because we
have those stories on each other.
Speaker 2 (12:37):
I think you have the more she was crazy stories
that I do. I have the more long suffering mercy.
Speaker 1 (12:45):
You are too kind and I appreciate that. And then
there was Julietta, and she went through debt consolidation twice
and learned about financial literacy along the way and is
working to build her money muscle. I love that term
money muscle of managing it and taking control of things
(13:05):
and making the decisions that are best for you. She's
another one that had to do a lot of evolving
over COVID when her kids came home from school, and
now she's homeschooling and very active in that. I love
the pivots that people do. I mean, I just think
it's so tremendous to see what's out there when people
feel they're stuck in their situation and have an opportunity
(13:26):
to learn. Wait, there are other things to consider. There
are people who go through big changes.
Speaker 2 (13:32):
She was talking about how she became financially literate and
took control of her own money and the things. So
she started out by saying that she, like a lot
of people, was worried about paying all the bills but
not saving anything for herself at all. And what she said,
which is really true, is that when she started to
save even the tiniest bit amount of money each month,
(13:55):
it helped her trace where her money was going to
because it's difficult to do nowadays. And that's what I
really could understand very well, with so many different ways
that you might buy something and not get it well
labeled back, like on a credit card statement, or buying
things from Amazon which could be anything, or subscriptions which
(14:15):
come from these different places and are charged to you
in different ways. Those are all things that are harder
to trace than they ever were. And so that's why
I was like, yes, that is really true. That is
something that people have to really do. I personally just
made my own Excel spreadsheet for that. None of the
tools that I tried, Remember Marseille was even asking you,
is there a good tool? There was not. I had
(14:37):
to do it that way. But can I say the
few things that you had suggested that I thought were
really good.
Speaker 1 (14:43):
In please give me all kinds of compliments, Tell me
I'm wonderful, go for it.
Speaker 2 (14:48):
There were two things. One is you literally had the
term I hadn't heard before, which was money dates, which
I really liked. That was when family I could be
a couple or a family get out of their house
and go somewhere more neutral to regularly talk about a
combination of their calendar, what they're doing and their money,
like what are we going to really prioritize and spend on?
(15:11):
What can we do? And I thought that was really
neat money date, it just seems like like a low
pressure way for people to talk about things that should
be like let's plan in advance for this and do it.
So I liked that idea a lot. Also, I liked
this is something that I always thought was a really
neat idea, But nobody liked this idea until you said it.
(15:33):
So you liked it too, like literally having multiple bank accounts,
four different things that you'd say, this is the money
that I've set aside for here, here, and here, not
just on paper, but in actual separate bank accounts for
all I know, even separate banks. I don't hear, but
I'm like, yes, this is what I always thought made sense,
and I'm glad a actual accountant says it makes.
Speaker 1 (15:53):
Sense to Okay, I can take it. I can take
it well. And then next was David who is h
He's from Columbia. He's a business English coach among all
the other things that he does, and he helps non
native English speakers to improve their business communication. And we
don't realize it because we're both American, we were born here,
(16:15):
and so we might need to learn particular words if
we're dealing. You know, if I have a client that's
in a medical field, I might need to learn particular
words to understand things that they're going doing that might
impact their finances. But I don't have to worry about
some of the other things that non native speakers have
(16:35):
to learn and business communications. We're in a worldwide economy now,
whether we want to believe it or not. Accounting profession
there's more worldwide kind of designations and financial reporting requirements
for these businesses that cross country lines and whatever else.
It's so important to be able to communicate well in
(16:57):
the language that you're communicating with. Fortunate or spoiled that
English is a common business language that is used in
many places. To be having to communicate in your non
native tongue for business transactions, business meetings, all the things
that it just blows my mind.
Speaker 2 (17:17):
We don't think of it as being specialized, but it
really is. Anybody that is born in America and speaks
English as a first language and goes into business or
business school doesn't think they're speaking quote unquote business English,
but they really are because it's a whole set of
words and vocabulary and ways that you might speak to
(17:38):
coworkers and bosses that is different. Actually have to learn
how people talk in an office.
Speaker 1 (17:44):
It's not just that I mean the annunciation. You can
know the words, but you have to pronounce them in
a way that the other person understands them. You've got
to learn the language and you've got to learn the
annunciation and the grammar. And he also does stuff with
with social media and and helping people to maximize what
they do and how they reach out in social media.
(18:05):
What he does is so important in today's world, today's economy,
and all of these things, so I was thrilled to
have him.
Speaker 2 (18:12):
David also had some advice that didn't have to do
with the English language, but I thought it was really
really important for people to avoid wasting their money and scams.
He warned people not to listen to quote unquote experts
who haven't actually done the thing that they're teaching. You know,
he says, do your research, do they really have experience?
(18:34):
And also warning about people who promise fast results, because
generally it's not that fast to become successful at something.
Speaker 1 (18:44):
You can have it good, you can have it fast,
or you can have it cheap. You can't have all three.
Sometimes you can't even get two, depending on what it is.
But you know, he is all encompassing the things he
does with social media, with the Internet, and he's the
one who gave me one of my new favorite terms.
I don't know that he created it, a green flag,
(19:05):
because we always talk about red flags. Oh, don't do that.
There's a red flag. He said, green flag. And that's like,
that's so important to recognize when something is good.
Speaker 2 (19:14):
One thing that he was saying, there be careful of
the people who promised fast results. It goes in really
well with the next guest that you had, Scarlet, because
Scarlet was also telling people, hey, you know, there's nothing
wrong and many many things right with keeping your original
job and paycheck while you're building whatever you're dreaming about,
(19:37):
your business or your nonprofit or whatever it is. It's
not going to happen overnight. It's going to take a
while and be financially secure while you're starting to build it.
I think, yes, that's true. And so anyway, that was
and then you'll probably introduce Scarlet next, But that was
she was the next guest to mey.
Speaker 1 (19:53):
I love when they flow together naturally like that. Yeah.
I like Scarlet was sure she was going to be
a chef and was doing all this culinary things, and
then her culinary coaches said, yeah, but you're not going
to make any money. You might want to look at
something else, so she pivoted before she even started. I
think that's eye opening because so often we know what
(20:15):
we're gonna do, we're sure what we're going to do,
and sometimes we just get stubborn and someone gives you
advice and says this isn't really the best idea for
whatever valid reasons, and just because you end up still
doing it. If you take your time and consider just
because someone else says you shouldn't do it for XYZ
doesn't mean that they're right and you're wrong. But if
you don't stop and consider it and evaluate, hey, these
(20:38):
are my goals. This will take me there or it
won't take me there, or whatever else. So I think
that's valuable to hear. And she did get her business
degree and now she's teaching coaches, and she'd been working
in the restaurant, and that was such a great conversation.
Speaker 2 (20:55):
I didn't remember that she was still cooking.
Speaker 1 (20:58):
I don't know that she's still cooking, but I meant
as she was initially building it up. And you know,
I think people need to hear that, Yeah, I have
this business, I'm gonna build it. I'm gonna put in
my hundred percent to it. But I'm still gonna put
in my twenty or my forty or whatever percent I
need to because I need to keep the door open.
If I only work on my business that I'm creating,
(21:20):
I've got six months a year, I've got whatever worth
of funding. But if I keep doing this part time,
then I can stretch myself out. And some businesses, some
things that you create, might need one thousand percent of
your time and there really isn't anything extra you can
do during that time. Other businesses need the lead up
time to build your reputation, to build your connections and
(21:42):
whatever else. And you're better off not doing them for
a billion percent of your time so that you can
give them that lead up time so that they have
the opportunity to grow it and you have the opportunity
to still put food on your table. Because I don't
know about anyone else I like to eat.
Speaker 2 (21:59):
I am a hob, you know, I was just thinking,
I wonder if lead up times to business launches haven't
stretched longer now because getting the word out to people
relies so much now on social media and social media following,
which takes a while to build. I kind of wonder.
(22:20):
I don't know the statistics about how long it took
to get the word out about businesses before compared to
now and get people interested in them.
Speaker 1 (22:29):
Well, I think social media makes it easier, whether you
have a following or not, because before, how did you
start a business?
Speaker 2 (22:36):
On social you can literally pay for ads to be
in front of people, but it's not the same thing
as knowing that everybody's reading that same newspaper. So if
you put an ad in that newspaper or someplace where
they're looking up in the yellow pages, everybody's looking there.
Does it take longer to get traction where people know
your name now than it did before? I don't know.
Speaker 1 (22:58):
As an accountant, I built my business from word of mouth.
People met me, they liked me, they would talk to
their friend, and it was all local and spread out local.
As a financial literacy educator, I have spoken on podcasts
across the world. I have taught classes via zoom across
the country for what.
Speaker 2 (23:15):
You're doing there. Social does make it easier. We're assuming
that it's faster. I don't know.
Speaker 1 (23:21):
It's such a different world with the Internet than it
was before, and with zoom and with social media TikTok, Instagram,
all of these things. It's just a different world. There's
no other way to say it. Okay, Next up, my
good friend Frank, the musician accountant. He set his sites.
This is what I'm gonna do. He was working full time.
(23:43):
So it's not like he went to college and at
twenty two he had his degree and kept moving on.
He took his time and went through He needed some
time off from high school to college to get moving
again and whatever else. But he is now and has
been for a number of years in the accounting thing.
He's still doing the music thing and doing well at it.
Speaker 2 (24:04):
And a big schedule. Because I looked him up and
they're playing all the time.
Speaker 1 (24:08):
Well they're great, they're great BANDA gone to hear them
a number of times and caught him solo and caught
him and opened MIC's. Music is his passion. But he
likes keeping the lights on and and you know he's
he's got it. He's got it balanced. A lot of
people don't necessarily find the way to get is balanced
as well.
Speaker 2 (24:28):
What I really like about that is when he was
telling this story about going back to school to become
an accountant and he was playing music professionally, he says,
I got through school by setting aside one hour a
day to study. He did not say I was setting
one hour a day away for music. So many people
(24:49):
would not have done that, they would have dumped the
music career. So I loved that he was like, Nope,
that thing is I'm going to carve out the time
for studying for that. I really liked that.
Speaker 1 (25:00):
Times he needed more than an hour, and he made
sure that time happened. But even if he didn't have anything,
he would spend an hour to review his notes, to
reread a chapter, to do whatever, so that he stayed
on top of it.
Speaker 2 (25:12):
Seven days a week, he said, every day he'd carve
out at least that much time. How many people don't
do that one thing every day toward the goal. Can
I tell you some wisdom from my father that helped
me in college a lot, So maybe people in college,
whether first time, are going back, will like that. He said,
every single day, go through the notes that you've taken
(25:35):
in class, even if you're just reading through the notes,
but then I also did the extra step that he
had recommended. You might need to rewrite them or to
make something clear about them, and then just do that
every single day. By the time you get to the
end of the class when you need to either take
(25:56):
an exam or in many of the classes that I took,
put things together into a research paper, you're so much
further ahead because you reviewed all the notes every single day.
We went to college together, and I was on the
dean's list, so it must.
Speaker 1 (26:10):
Have worked well. My problem is I can't read my writing,
so I can take the notes, but I can't read them. Afterwards.
Speaker 2 (26:15):
I would type them up because you know, three months
later you're not going to know what you scrawled, so
I would.
Speaker 1 (26:20):
Just yeah, but they've done studies that when you write
it by hand versus when you type it, it stays
in your mind more so. Even though I couldn't read
my writing, just the act of putting it down, and
I wasn't just writing chicken scratch it that was actually
words in there by.
Speaker 2 (26:36):
I was writing by hand, and then I would like,
you know, retype them. Yes, for people that don't know.
Back then, there is no way you could type in
class because you have to take a giant typewriter with you.
Or I had one of those Kpro computers, a portable
quote unquote computer that weighed twenty five pounds and had
a tiny screen.
Speaker 1 (26:56):
I remember those portable computers. They were heavy. They were
not going to class with you.
Speaker 2 (27:00):
I did take him to the library.
Speaker 1 (27:02):
Though, those teeny tiny screens, and it either had orange
writing on a gray background or green writing on a
gray background, and those are the color choices.
Speaker 2 (27:12):
That was the exciting part about it.
Speaker 1 (27:15):
Moving on to Otis, who was just fascinating. I can
only hope to do as much as what he's done
so far, and he has not done by any means.
He's got a degree in broadcast and an MBA, and
he does sales and testing for a screen reading software,
and he helps adults who are newly vision impaired, and
he's a podcaster and just fascinating. I see, if I
(27:39):
could have had you and him and Frank, then my
theme song would have been stepped up from my house band.
Speaker 2 (27:45):
Well some of the things otis Otis. If people don't
remember he was he was has always been blind, correct,
I believe so. I believe that he had always been
blind and he could have just kept on with just
doing music all his life, but he goes, no, I
want a career. I want to go and do this.
And what he started before they had computers and screen
(28:07):
readers and things like that, when everything was in braille,
and what he did that was so important to so
many people is when he got the job at the
company Freedom Scientific, which makes the Jaws screen reading software.
If anybody knows anybody who's visually impaired, they're going to
be using Jaws. It's like the number one thing that
(28:29):
they that is everywhere. I have a neighbor who's blind,
so I know these things and she does computers as well.
But the thing is is that he was in testing
for that, testing all of that to improve that product.
Because that product has made people's entire lives and careers
so much better, and I've seen it in person. That
was a really important thing that he did, like for everybody.
(28:52):
What I wanted to know though, do you know is
he still doing that? I thought that he was like
now helping people who are newly blind to know how
to use all of the tools. Does he do that
as an independent consultant or is he working for a company?
Speaker 1 (29:05):
Believe it was with the state or the county or
something like that.
Speaker 2 (29:09):
Yeah, I would have to.
Speaker 1 (29:11):
Pull up my show notes to know for sure. So Otis,
please don't come after me if I got that wrong.
And from Otis, we went to Kathy James, who.
Speaker 2 (29:21):
Can't wait for her project to actually go live because
I think it's so cool.
Speaker 1 (29:25):
The project is called Catapult U and it is a
learning platform for people to learn things about pretty much everything.
She wants to make learning and education accessible because of
the challenges she faced when she was a young mother
trying to educate herself better and how she found the
(29:46):
resources for that, and so she is turning that around.
She is again one of those people who reinvented herself
and talked about her resilience and has moved forward and
created many wonderful things out of all of her life. Less.
Speaker 2 (30:00):
What I think is neat about the Catapult you is
she wants it to be both free for the people
creating the courses and the people taking the courses. So
that is a unique sort of thing. I think that's
so great.
Speaker 1 (30:17):
Yeah, my understanding is is she wants it to be
free for people taking it through organizations like churches and that,
but she also wants to have paid content available for
other people who want It's not like eventually everything is
free for everyone. There will be a lot of available
accessible content for people to get them started, to get
(30:37):
them learning. She is very passionate. This is her mission
and she's making great things happen for a lot of
people out there. And then Christine my HR professional. I
adore Christine in the information she has because HR is
this resource that is not always as well managed as
(30:58):
it could be. It's not as supportive of the organization,
it's not as supportive of the employees because people don't
know how to have those conversations. They don't know how
to bridge the gaps figure out what employees want. You know,
employers know that they want to get the most results,
and employees want to earn you know, good money and
have the benefits they need and whatever else. And she
(31:19):
does such important work helping them bridge that gap and
working with them from both sides to get that to happen.
Speaker 2 (31:27):
I only have one big giant note about her, and
it says in big letters, HR is your friend. To
tell everybody HR is your friend, please go see HR.
Speaker 1 (31:39):
Well, yeah, I mean the problem is companies are like HR.
They're going to make me do things for my employees,
and employees are like HR. I'm probably in trouble and
it's not that way from either side. So the stuff
she is doing to get them connected to get them
past that. Her new organization, Lighthouse Engagement Advisors, that works
with organisations to figure out the best way for them
(32:02):
to use their HR departments. It's wonderful stuff to put
out there, and she's such an engaging speaker. It was
a gift to have her on the show. And then Michael.
Speaker 2 (32:12):
I especially related to part of his story because he
was in event planning. I used to be an entertainment
agent and part of that I was either working with
event planners or partially doing event planning. So I know
what he was and he was one person that he
was doing that while he was fully employed. He was
taking that advice to have that CEITI paycheck while he
(32:33):
was working on the other thing. That was before he
became the putting guy.
Speaker 1 (32:36):
Yes, yes, the event planning, well, part of the event
planning was his job because that was what he did
with then, so he wasn't an attorney, but he works
in attorney's offices and doing a lot of the various things.
If you've had a large company of any kind, whether
it's attorneys or whatever, they plan events, whether it's speakers
in education, or things for their employees or things for
(32:57):
their clients. So there's a lot of planning that goes
into keeping those organizations fully engaged with those around them.
And what a unique idea rice pudding that is themed
after Broadway plays. I love it.
Speaker 2 (33:11):
Yeah, I like that, he said. He goes, you know
what I'm getting out of life. I better do this now.
Speaker 1 (33:16):
So many times people are like, oh, I wish I
had and he said, you know what, it's time. So
I think it's great. I do have to taste that pudding.
I've been delinquent in that, and I apologize, Michael, if
you're listening to this, I will get an order in there.
And then Jenna, we had so much fun. She has
(33:36):
such an amazing energy. I've also gotten the opportunity to
guest on her podcast, and so she's an educator leadership development,
career readiness, and she shared so openly her challenges through
they were high earners, and yet they also had a
lot of debt and they made the changes to bring
(33:57):
it down and show them that they could live debt free,
and then said, Okay, well that's good to know we
can do this. Now we can make the choices of
managing our money and managing how we want to live,
and what are the choices we want to make. Because
that's all I tell anybody is you've got to find
out what's right for you. You've got to get enough education,
enough understanding of how money works so that you can
(34:19):
decide this is something that I'm going to go into
debt for. This is something I don't want to go
into debt for. This is where I want to save,
This is where I want to let things go. That
was fantastic, any notes, because you just mentioned it.
Speaker 2 (34:32):
The fact that I guess it's the cautionary tale for
people that are making a lot of money or have
just gotten a job that pays them a lot of money,
particularly if there's a contract job, that you can still
be making a lot of money and end up feeling
like you're living paycheck to paycheck if things are getting
(34:52):
away from you expenses. I think it was her that
was surprise taxes.
Speaker 1 (34:57):
Her husband was paid ton nine, so they hadn't really
thought in terms of, oh, if he's getting a ten
ninety nine and not a W two, they're not withholding taxes.
We're going to have to pay all of that when
we do our taxes. And she realized that's not something
that the company's going to tell me. That's something I've
got to figure out.
Speaker 2 (35:17):
She was also talking about how they would keep traveling
and traveling and not really thinking about how all of
that spending was was adding up price. Well, again, you
can be making a lot of money, but then you
haven't set anything aside to it, like, for example, invest
if you're hiring and you'd be able to invest in
things or save in things. That was that was a
good cautionary tale for people who are making a lot
(35:39):
of money.
Speaker 1 (35:39):
Absolutely. And then there's Donny Mangos, who is the author
of Replace Your Salary with Real Estate and Get Welped Up,
and he did a lot of transitions and is now
part of a money management team. I like that he's
getting his kids involved and his friends are coming to
him saying, Okay, how do we set up for our
kids to figure out how to make all this work.
Speaker 2 (36:02):
This thing where his daughter was actually borrowing from herself
to invest in something.
Speaker 1 (36:08):
I don't know all the vehicles that he used to
make this work. But if you think of when you're
making these expenses, instead of taking a loan for it,
you borrow it against your investments, or you take it
out from your investments, but you know you owe it back.
They gives you so much more control and an awareness
in your mindset because hey, that was my money, I
(36:29):
want it back. However it's structured, whether it's a loan
that you're burrowing against it or you're borrowing it from
that pot, owing it back to yourself is huge, and
I think a lot of people would be in a
much better financial situation if they thought of that at
the beginning. Okay, this is my money, how am I
going to pay it back? And Alex Green, mister green stuff,
(36:50):
you mentioned him earlier, Yeah.
Speaker 2 (36:52):
If I remember this, he went back and forth between
doing things that he says, well, I have to do
this because this is the way I'm supporting myself and
my son, But then this is the thing I'd want
to pivot to for a better future. I loved this.
This was the power of doing a good job and
having people spread the word he started this. It was
(37:15):
a swing to start the insulation business, because he started
with like nothing, If I remember correctly, they were homeless.
I think at the time.
Speaker 1 (37:23):
He was homeless. He had his son staying with I
think his sister.
Speaker 2 (37:28):
Yeah, and he said, I have these skills. He got
the first job, fortunately in a rather exclusive neighborhood, starts
working on this and the man for whom he was
working told all the neighbors, this guy's doing this great job.
And so he got some good jobs right away. And
also when he decided once that business was successful and decided,
(37:50):
you know what, with the urging of friends, he wanted
to get back into the business side of music. I
also liked the fact that when he shut that business down,
which apparently he did really rapidly, found buyers for everything.
He found places for all his employees to work. He
didn't just like lay them off. He went and found
other jobs for them, which I thought was very cool.
Speaker 1 (38:10):
Well, you know, he talks about how there was always
someone there for him when he needed them, whether it
was his late ex wife when he injured his hand,
who encouraged him to learn to play the guitar on
the other side, or this guy networking for him. When
he did a job, he liked his work, he liked
his work ethic, so he found him more jobs to do.
When he wanted to go into music producing, he had
(38:33):
someone help him pick out wines and all of these things.
He's always had people there for him when he has
needed them, willing to step out, willing to network, willing
to emotionally support whatever, and that he's trying to do
that for others as well, that he did it for
his workers, that now he wants to get into being
a resource for people going into various things. I loved
(38:55):
the story about the young woman who approached him and
he said, you know, when you figure this out and
get moving forward, you're going to find the thumb print
on your forehead is your own, your own thumb that
you know, we get in our own way, We get
in our own head all the time. And I love
the fact that he was just very bluntly, okay, we
can we can figure this out. You know, It's it's all.
Speaker 2 (39:17):
There is he being a career consultant.
Speaker 1 (39:19):
Now.
Speaker 2 (39:19):
I couldn't remember what he's doing now.
Speaker 1 (39:21):
I think it's a lot of different things. Not necessarily
a career consultant. I think more more like a coach
kind of thing, helping people learn how to network, helping
them learn how to finance bigger projects. You know, the
skills that he did, networking, all of those kind of things. So,
you know, it's so fascinating to hear someone's evolution story.
(39:45):
We look at someone like like some of the younger
guests that I had, who are near the beginning of
their careers, and then you look at someone like mister
green Stuff who's been doing this for a few years,
and well, they have different information, different resources, and it's
great to get those varying perspectives.
Speaker 2 (40:04):
Yeah.
Speaker 1 (40:06):
Else, Oh, I'm sorry, I don't want to talk so
much that I don't get any comments from you. I
don't want to use up all the words. And then
and then my double guest, Carol Lempert and Scottie Watson,
and they are theater kids, they are theater adults. They
are people who came from this performance background and they
(40:27):
still perform, both of them in different ways and different things,
but they are also using those skills they learn doing
that on stage, being comfortable on stage, being able to
present information, being able to coach other people to present information.
We had a really great conversation talking about gigwork and
diversifying and your personal brand and of course one of
(40:50):
my favorite topics, spreadsheets.
Speaker 2 (40:53):
Besides the good points that they made in a very
entertaining way, but the good points that they made about
what somebody with a theater background can do for your organization,
how that sort of person might really help it. They
also made the point in general about what unions and
professional organizations can do for their members. And this isn't
(41:17):
just entertainment, this would go across the board. I think
people don't think to turn to professional organizations or their
own unions as much as they do for help with
a huge variety of stuff that had to do with
making your career better and just making your life better,
including help understanding financial things. So that was a good
(41:41):
point that they made.
Speaker 1 (41:42):
Yeah, and a lot of us probably don't even realize
all the professional organizations that we're in and that they
offer things. As a CPA, I'm in CPA organizations and
I can get discounts on various things by letting them
know my membership number and whatever else. And that's true
of a lot of organizations, whether it's answering questions or
(42:03):
having discounts, or helping you to network and make connections.
I feel like I've overused the word important, but it's
important to know that these resources are out there and
that you have access to them.
Speaker 2 (42:16):
I've seen it firsthand in music because one of my
clients people probably don't remember the things that I do
and still do, is managing websites, you know, just keeping
them afloat well, keeping them going in the background. One
of my clients is the Phoenix Musicians Union. I think
a lot of the people, hopefully you have a lot
of bands that are in music as you know. Let
(42:37):
I guess that way. All of the classical musicians belong
to it and use it all the time. But I
think a lot of times the jazz musicians, pop musicians
and everything don't think about if I joined that look
at all the help and networking and things that they
can do for me, and so pop musicians, jazz musicians
about being involved in your local music union. Don't make
(43:00):
it all the classical people.
Speaker 1 (43:01):
Classic people are wonderful.
Speaker 2 (43:02):
We are.
Speaker 1 (43:03):
We are not in any way digging on classical people.
Speaker 2 (43:05):
They all belong to it and participate all the time,
and the rest of you are missing out. That's what
I'm saying.
Speaker 1 (43:11):
So you and I we met because of classical music, musicians.
We love you. What's a little divorceeac between friends? So
I think we've we've covered the gamut of the season. Karen,
what do you think how'd I do for a first season?
Speaker 2 (43:25):
Well, since I'm the one that listens all the time,
I obviously liked it.
Speaker 1 (43:29):
This is not a paid sponsorship. I didn't I didn't
threaten her. I didn't anything. She's safely in Arizona. I'm
in Michigan.
Speaker 2 (43:37):
I am not in.
Speaker 1 (43:37):
Any way twisting her arm for the endorsement.
Speaker 2 (43:40):
I found it, you know, all really interesting. Even when
it wasn't my personal life thing. It was still really
interesting to hear all of the stories and the things
that people did and all of that, and then I
learned stuff, and then it reminded me of stuff that
I really should know.
Speaker 1 (43:55):
Well that's okay, So hopefully we'll have some new and
wonderful guests coming up this next season. And to go
with my theme song from the house band.
Speaker 2 (44:04):
And if you're listening, consider being I guess I know
that there's people I know that Mercy would like to
have on that are like, oh, I don't know, I
personally know the people that are going, Oh no.
Speaker 1 (44:16):
It's relatively harmless. It doesn't hurt a whole lot. And
I try to make you look good and.
Speaker 2 (44:21):
It's radio, nobody can see you or anything.
Speaker 1 (44:23):
Well, the only the only thing is if I put
a short snip of a video on social media to
encourage people to listen.
Speaker 2 (44:32):
What is she gonna do with it?
Speaker 1 (44:34):
Any final words of wisdom before I wrap up?
Speaker 2 (44:36):
Oh boy, I think I should all this stuff. It's
hard for me to give you words of wisdom because
I am not a podcaster. I just appear on podcasts
and radio shows.
Speaker 1 (44:47):
You're here as a listener. You're here of someone who
hopefully enjoyed the show. You're here as someone who listened
to all the episodes. So this is where you tell
people to catch up on the episodes they missed and
there won't be a quiz and.
Speaker 2 (44:59):
Decide decide you want to be a sponsor. Yes, as
a listener, I would really like to hear Marcy go
now my wonderful sponsor isn't I can't even think what
it is? Finance books or shop at Fry's grocery store.
Everybody wants something that has to do with what they're
listening to, Like by my Pudding.
Speaker 1 (45:17):
Oh you are too funny listeners, Thank you so much
for stopping by.
Speaker 2 (45:23):
I hope you enjoyed it.
Speaker 1 (45:24):
I hope you will share it, follow if you're not
doing so, and tune in next time. This has been
Marci talks Money in Life with my special guest for
my wrap up of Karen Martinez from Puppy Pau's Playyard.
And thank you for listening to season one. You got this,
Sia
Powered by Riverside at them. Welcome to Marcie talks money
in Life. I'm your host Money Marcy, and this is
my final episode of season one. So I brought back
my friend Karen Martinez, the serial entrepreneur and owner of
peppi Pause Playyard, to help me kind of wrap up
(00:24):
what we did over the season, talk about the people
that we've met, the wonderful guests I've had on the show,
and just kind of odds and ends. So I hope
you're joining us, and here we go. Hi, Karen, Hi,
how are you? You were in that first episode? You've
seen how far I've come. I hope I.
Speaker 2 (00:42):
Listened to all of them. I think people don't know
that I listened to them as soon as they come out.
Speaker 1 (00:46):
On Wednesday mornings at Posts and I will hear from
Karen by Wednesday evening, Thursday afternoon at the latest what
she thought of the episode, what I could be doing better,
how fabulous my guests are. So we're going to just
kind of wrap up and talk about all the people
that I've had. That first guest she was something else,
What do you think?
Speaker 2 (01:06):
I wonder if people what people thought when they learned
all the things I did one after another that might
have been a little confusing.
Speaker 1 (01:15):
Well, but if you if you listened later on, you
saw I had some other people that had wide and
varying careers as they figure out things and make changes.
Speaker 2 (01:23):
You know, who made a lot of this is to
me really fascinating. Who did a lot of changes was
Alex Green. You recently interviewed him, because he was going
from music into construction and then back into being a
music producer and then a TV producer, and just I
love the way he did that. He would just take
(01:45):
these big swings. He would just say, Okay, done with this,
you know, just completely shut it down and take a
swing at something different.
Speaker 1 (01:52):
Yeah. Though some of the times he did that because
there were challenges and he had to move on and
find something new. Not necessarily Okay, i'm bored, let's try
something new. Whereas you get someone like Donnie and he
got the business degree, became it, transitioned to real estate,
then became a financial consultant and wrote some books. Really
(02:15):
just saying okay, this is good, I've learned what I
need to know, and I'm ready to move on and
change and see what other opportunities there are out there.
And then and then you've got Michael who said, Okay,
well it's time to retire and follow my passion of
rice pudding. I think it's fabulous that these people were
willing to share their stories with me. For some of them,
(02:36):
they've had a lot of experience, and they have podcasts,
and I've guested on podcasts before, and for some of them,
this was the first time that they were doing it,
and they were willing to really come on and talk
about things. I've gotten a lot of good feedback that
makes people evaluate their own situation differently. In season two,
I'm hoping to continue to grow my followers and find
(02:59):
interesting I'm hoping I can pick up some sponsorship rather
than using standard advertisement, which I am grateful for. You know,
don't mind me, but I would love to pick up
sponsors who say, hey, we really like what you're doing,
let's support you. And Karen got to hear our theme
song for next time. We are going to have music
(03:19):
on our opening next season, so I'm excited about.
Speaker 2 (03:22):
That original music.
Speaker 1 (03:25):
Don well no No played by the house band. And
I guess I don't say this often enough. What I'm
here for is to give educational information. I am not
giving financial advice. I am not telling you what is
right for you. I'm trying to help expose you to
more financial opportunities, to consider more financial information so that
(03:47):
you can find the right opportunities for you, so that
you can talk to the financial professionals who know who
you are and what you're doing, and reach for whatever
your goals are financially and in life. So let's go
back to this. Yeah, you with your varied businesses and now, well,
I guess we're in the summer, so you're probably not
(04:09):
as busy as you would be, but you're able to
schedule better now that you're not dealing with well, unfortunately
your father's health issues as you were last time.
Speaker 2 (04:18):
Yeah. Actually, now, we did take time off for people
that don't know. I have a private doggy playground. My
daughter and I run it and we live in Arizona
and it's outdoors. But now that we've come back from
our summer trips, we do have people that are coming,
Like I'm really happy with a number of people who
are coming out in the heat. I think that their
dogs all wanted to play. So actually, it's going pretty
(04:42):
well and we're getting ready to do more things in
the fall that are promotional, like be part of festivals
and have booths and things like that to tell people
more about it. So it's a good time to plan
for the future. But we got dogs.
Speaker 1 (04:56):
I think that's awesome. It's hard when you are a
relatively new startup and then things happen in life in
the world that kind of derail your plans. And your
father had gotten sick shortly after you started, and that
that changed your focus for a while. So I'm glad
that you are back on track with that.
Speaker 2 (05:13):
Yeah, it really helps. And you know, some of your
guests also had similar things happened as well, so it
was nice hearing how they handled that. Like putting guy
who had the house fire, I don't think he probably
want to be the calm puting guy.
Speaker 1 (05:26):
Michael Farno. The website is putting it then putting that
you eat on the rice, and they do the various
flavors of rice pudding. It was a nice group that
I had because I had the entrepreneurs and the people
with various stories of their own things, and then I
had the financial experts or people bringing financial information, like
(05:49):
like Keith and Paula and Karen who brought interesting information
that hopefully gives people resources of things that are available.
And obviously we talked about divorce with Keith, and fortunately
that's not something I need to know about. But I
did have a couple of people reach out to me saying, wow,
I wish I had known that, and things for me
(06:11):
to consider as I'm moving forwards.
Speaker 2 (06:13):
He had great cautionary tales. The stories that he told
were actually really interesting and entertaining, but they were good.
So even if you're not going through a divorce or
thinking you might have one, you could kind of gently
steer people that you know that think about some of
those things, right.
Speaker 1 (06:32):
I mean, that's that's the information. I mean, that's such
good information. And what happens is when you're going through
a divorce, you don't necessarily think to ask questions. And
if you don't ask questions and your lawyer doesn't realize
those are areas he should ask questions about, there are
things that just might not get brought up. So it's
good to kind of be aware of all those things.
And Paula, I love talking money stuff with social workers
(06:56):
because so much of money becomes emotional and becomes the problem,
whether it's in relationships of communicating with each other or
your personal stuff that you deal with and your own
baggage about money. So I love talking to people who
can we can kind of bridge that gap.
Speaker 2 (07:12):
I related so much to the things that she was saying.
One of the things that Paula had noticed as a
social worker is that people will talk about really personal
things with their friends accept money. They will talk about
their sex lives to their friends, but they won't say
I'm having trouble figuring this out. I don't understand this
thing about my paycheck or my taxes or this banking thing.
(07:37):
And without people talking to each other, they might miss
really helpful things that you don't even need a professional
to know that your friends might know. She gave the
example of she originally didn't know that her mortgage lender
could take care of paying property taxes for her, making
everything easier, that she learned from a friend. So she
talked about how people really should talk about money with
(07:59):
each other more. And what I remembered is that I've
been an employer of people and I've been a dance teacher,
and in both of those cases, people would come up
and tell me terrible things that had happened about their
money and other bad things in their life. As a
dance teacher. It's kind of confession syndrome. I'm a teacher
of some sort, so they feel like they can tell
(08:21):
me a stranger who has some kind of expertise and
something that makes them feel better. But also as somebody.
And I'm not just talking about employer when I owned
an entertainment agency, just like employing people who take care
of the yard at PEPPI Pose or Leah and I
that pay people that are contractors that do things with
dogs and horses. So many people are really struggling understanding banking,
(08:44):
especially online things. So many people getting locked out of venmo.
They're like, how did I get locked out of my venmo?
I can't accept payments, there's no way to pay them.
There's all these things that are happening, and I don't
know if they're actually telling friends and relatives who could
help them. They're just telling us and we're not. I mean,
(09:06):
I really can't ask them for their financial information to
help them out. That's inappropriate, right figure out how to
get back into their venmo. Anyway, I related a lot
to what Paula was saying. What they have to do
is talk to their friends, and people exchange ideas and say,
oh I read this, or I've been doing this, or
this is how I took track of my budget. And
it's not a stranger, it's your friend.
Speaker 1 (09:27):
Yeah, yeah, that is true. And then Roul came on
and you know, many many kudos to him because he
came to Canada from India and then found going back
to India would have been a financial struggle because he
came here to go to graduate school and the things
that he learned wouldn't necessarily transfer the same way he
(09:48):
had helped because culturally and the way the business works
in there. And so he's he's looking at finding ways
to create financial freedom. I think he's got on Instagram
in other ways that he's trying to create a following.
I think move into potentially some financial services where he
can help and encourage other people to bridge the gaps
(10:12):
of controlling their own financial future.
Speaker 2 (10:15):
Yeah, and I think he's he also is trying to
do this for himself as well. He after he had
lost a job, he didn't want to be beholden to
an employer. He wanted to make sure he had some
other way that money was coming in for him, money
to invest and have that's not, you know, dependent upon
a paycheck.
Speaker 1 (10:35):
I totally agree. We've got to do it ourselves by
aggressively saving and putting money away. And that's what he's
he's working on doing and that's what he's encouraging people
to do. So I think that's awesome. And then after him,
we had the other Karen.
Speaker 2 (10:50):
Yeah, that was very interesting because she helped people that
should they be on disability or should they how can
they return to work for She really tries to get
people to be able to switch what they can do
after they have something devastating that happens to them, so
that they can return to the workforce right.
Speaker 1 (11:09):
And because she's a forensic expert on these things, so
she goes to court and helps not just the individual
and the counseling part of it, but legally, hey, this
person can work, this person can't work. This is what
they are able to earn, this is what they're not.
I mean, it's fascinating. I never knew such a career existed,
And after talking to her, it's like, well, of course
(11:32):
it does. It has to. Someone's got to do these things.
I'm glad they're bringing someone in that has that has
both the financial and the counseling and put it all
together to determine this. Because I'm certainly I'm a financial person.
I can look up the numbers, but I can't necessarily
say what this person is capable of doing all the
aspects of that. So I hope I never need her,
(11:54):
but I'm glad to know she's there.
Speaker 2 (11:55):
She has three careers that won because she helps the
people who want to be employed again. She helps the
employers and then also helps people. One example that she
gave is a caregiver of somebody who's disabled and to
find out how they should be compensated for that. That's
(12:16):
another thing she can evaluate.
Speaker 1 (12:18):
It's amazing the things that I'm learning by having these
guests on my show. And she's someone I know, I
mean not as well as I know you. You're my longest
term knowing you in my life guest. I'm not going
to say how long, but I will say high school.
And because I have to behave with you, because we
have those stories on each other.
Speaker 2 (12:37):
I think you have the more she was crazy stories
that I do. I have the more long suffering mercy.
Speaker 1 (12:45):
You are too kind and I appreciate that. And then
there was Julietta, and she went through debt consolidation twice
and learned about financial literacy along the way and is
working to build her money muscle. I love that term
money muscle of managing it and taking control of things
(13:05):
and making the decisions that are best for you. She's
another one that had to do a lot of evolving
over COVID when her kids came home from school, and
now she's homeschooling and very active in that. I love
the pivots that people do. I mean, I just think
it's so tremendous to see what's out there when people
feel they're stuck in their situation and have an opportunity
(13:26):
to learn. Wait, there are other things to consider. There
are people who go through big changes.
Speaker 2 (13:32):
She was talking about how she became financially literate and
took control of her own money and the things. So
she started out by saying that she, like a lot
of people, was worried about paying all the bills but
not saving anything for herself at all. And what she said,
which is really true, is that when she started to
save even the tiniest bit amount of money each month,
(13:55):
it helped her trace where her money was going to
because it's difficult to do nowadays. And that's what I
really could understand very well, with so many different ways
that you might buy something and not get it well
labeled back, like on a credit card statement, or buying
things from Amazon which could be anything, or subscriptions which
(14:15):
come from these different places and are charged to you
in different ways. Those are all things that are harder
to trace than they ever were. And so that's why
I was like, yes, that is really true. That is
something that people have to really do. I personally just
made my own Excel spreadsheet for that. None of the
tools that I tried, Remember Marseille was even asking you,
is there a good tool? There was not. I had
(14:37):
to do it that way. But can I say the
few things that you had suggested that I thought were
really good.
Speaker 1 (14:43):
In please give me all kinds of compliments, Tell me
I'm wonderful, go for it.
Speaker 2 (14:48):
There were two things. One is you literally had the
term I hadn't heard before, which was money dates, which
I really liked. That was when family I could be
a couple or a family get out of their house
and go somewhere more neutral to regularly talk about a
combination of their calendar, what they're doing and their money,
like what are we going to really prioritize and spend on?
(15:11):
What can we do? And I thought that was really
neat money date, it just seems like like a low
pressure way for people to talk about things that should
be like let's plan in advance for this and do it.
So I liked that idea a lot. Also, I liked
this is something that I always thought was a really
neat idea, But nobody liked this idea until you said it.
(15:33):
So you liked it too, like literally having multiple bank accounts,
four different things that you'd say, this is the money
that I've set aside for here, here, and here, not
just on paper, but in actual separate bank accounts for
all I know, even separate banks. I don't hear, but
I'm like, yes, this is what I always thought made sense,
and I'm glad a actual accountant says it makes.
Speaker 1 (15:53):
Sense to Okay, I can take it. I can take
it well. And then next was David who is h
He's from Columbia. He's a business English coach among all
the other things that he does, and he helps non
native English speakers to improve their business communication. And we
don't realize it because we're both American, we were born here,
(16:15):
and so we might need to learn particular words if
we're dealing. You know, if I have a client that's
in a medical field, I might need to learn particular
words to understand things that they're going doing that might
impact their finances. But I don't have to worry about
some of the other things that non native speakers have
(16:35):
to learn and business communications. We're in a worldwide economy now,
whether we want to believe it or not. Accounting profession
there's more worldwide kind of designations and financial reporting requirements
for these businesses that cross country lines and whatever else.
It's so important to be able to communicate well in
(16:57):
the language that you're communicating with. Fortunate or spoiled that
English is a common business language that is used in
many places. To be having to communicate in your non
native tongue for business transactions, business meetings, all the things
that it just blows my mind.
Speaker 2 (17:17):
We don't think of it as being specialized, but it
really is. Anybody that is born in America and speaks
English as a first language and goes into business or
business school doesn't think they're speaking quote unquote business English,
but they really are because it's a whole set of
words and vocabulary and ways that you might speak to
(17:38):
coworkers and bosses that is different. Actually have to learn
how people talk in an office.
Speaker 1 (17:44):
It's not just that I mean the annunciation. You can
know the words, but you have to pronounce them in
a way that the other person understands them. You've got
to learn the language and you've got to learn the
annunciation and the grammar. And he also does stuff with
with social media and and helping people to maximize what
they do and how they reach out in social media.
(18:05):
What he does is so important in today's world, today's economy,
and all of these things, so I was thrilled to
have him.
Speaker 2 (18:12):
David also had some advice that didn't have to do
with the English language, but I thought it was really
really important for people to avoid wasting their money and scams.
He warned people not to listen to quote unquote experts
who haven't actually done the thing that they're teaching. You know,
he says, do your research, do they really have experience?
(18:34):
And also warning about people who promise fast results, because
generally it's not that fast to become successful at something.
Speaker 1 (18:44):
You can have it good, you can have it fast,
or you can have it cheap. You can't have all three.
Sometimes you can't even get two, depending on what it is.
But you know, he is all encompassing the things he
does with social media, with the Internet, and he's the
one who gave me one of my new favorite terms.
I don't know that he created it, a green flag,
(19:05):
because we always talk about red flags. Oh, don't do that.
There's a red flag. He said, green flag. And that's like,
that's so important to recognize when something is good.
Speaker 2 (19:14):
One thing that he was saying, there be careful of
the people who promised fast results. It goes in really
well with the next guest that you had, Scarlet, because
Scarlet was also telling people, hey, you know, there's nothing
wrong and many many things right with keeping your original
job and paycheck while you're building whatever you're dreaming about,
(19:37):
your business or your nonprofit or whatever it is. It's
not going to happen overnight. It's going to take a
while and be financially secure while you're starting to build it.
I think, yes, that's true. And so anyway, that was
and then you'll probably introduce Scarlet next, But that was
she was the next guest to mey.
Speaker 1 (19:53):
I love when they flow together naturally like that. Yeah.
I like Scarlet was sure she was going to be
a chef and was doing all this culinary things, and
then her culinary coaches said, yeah, but you're not going
to make any money. You might want to look at
something else, so she pivoted before she even started. I
think that's eye opening because so often we know what
(20:15):
we're gonna do, we're sure what we're going to do,
and sometimes we just get stubborn and someone gives you
advice and says this isn't really the best idea for
whatever valid reasons, and just because you end up still
doing it. If you take your time and consider just
because someone else says you shouldn't do it for XYZ
doesn't mean that they're right and you're wrong. But if
you don't stop and consider it and evaluate, hey, these
(20:38):
are my goals. This will take me there or it
won't take me there, or whatever else. So I think
that's valuable to hear. And she did get her business
degree and now she's teaching coaches, and she'd been working
in the restaurant, and that was such a great conversation.
Speaker 2 (20:55):
I didn't remember that she was still cooking.
Speaker 1 (20:58):
I don't know that she's still cooking, but I meant
as she was initially building it up. And you know,
I think people need to hear that, Yeah, I have
this business, I'm gonna build it. I'm gonna put in
my hundred percent to it. But I'm still gonna put
in my twenty or my forty or whatever percent I
need to because I need to keep the door open.
If I only work on my business that I'm creating,
(21:20):
I've got six months a year, I've got whatever worth
of funding. But if I keep doing this part time,
then I can stretch myself out. And some businesses, some
things that you create, might need one thousand percent of
your time and there really isn't anything extra you can
do during that time. Other businesses need the lead up
time to build your reputation, to build your connections and
(21:42):
whatever else. And you're better off not doing them for
a billion percent of your time so that you can
give them that lead up time so that they have
the opportunity to grow it and you have the opportunity
to still put food on your table. Because I don't
know about anyone else I like to eat.
Speaker 2 (21:59):
I am a hob, you know, I was just thinking,
I wonder if lead up times to business launches haven't
stretched longer now because getting the word out to people
relies so much now on social media and social media following,
which takes a while to build. I kind of wonder.
(22:20):
I don't know the statistics about how long it took
to get the word out about businesses before compared to
now and get people interested in them.
Speaker 1 (22:29):
Well, I think social media makes it easier, whether you
have a following or not, because before, how did you
start a business?
Speaker 2 (22:36):
On social you can literally pay for ads to be
in front of people, but it's not the same thing
as knowing that everybody's reading that same newspaper. So if
you put an ad in that newspaper or someplace where
they're looking up in the yellow pages, everybody's looking there.
Does it take longer to get traction where people know
your name now than it did before? I don't know.
Speaker 1 (22:58):
As an accountant, I built my business from word of mouth.
People met me, they liked me, they would talk to
their friend, and it was all local and spread out local.
As a financial literacy educator, I have spoken on podcasts
across the world. I have taught classes via zoom across
the country for what.
Speaker 2 (23:15):
You're doing there. Social does make it easier. We're assuming
that it's faster. I don't know.
Speaker 1 (23:21):
It's such a different world with the Internet than it
was before, and with zoom and with social media TikTok, Instagram,
all of these things. It's just a different world. There's
no other way to say it. Okay, Next up, my
good friend Frank, the musician accountant. He set his sites.
This is what I'm gonna do. He was working full time.
(23:43):
So it's not like he went to college and at
twenty two he had his degree and kept moving on.
He took his time and went through He needed some
time off from high school to college to get moving
again and whatever else. But he is now and has
been for a number of years in the accounting thing.
He's still doing the music thing and doing well at it.
Speaker 2 (24:04):
And a big schedule. Because I looked him up and
they're playing all the time.
Speaker 1 (24:08):
Well they're great, they're great BANDA gone to hear them
a number of times and caught him solo and caught
him and opened MIC's. Music is his passion. But he
likes keeping the lights on and and you know he's
he's got it. He's got it balanced. A lot of
people don't necessarily find the way to get is balanced
as well.
Speaker 2 (24:28):
What I really like about that is when he was
telling this story about going back to school to become
an accountant and he was playing music professionally, he says,
I got through school by setting aside one hour a
day to study. He did not say I was setting
one hour a day away for music. So many people
(24:49):
would not have done that, they would have dumped the
music career. So I loved that he was like, Nope,
that thing is I'm going to carve out the time
for studying for that. I really liked that.
Speaker 1 (25:00):
Times he needed more than an hour, and he made
sure that time happened. But even if he didn't have anything,
he would spend an hour to review his notes, to
reread a chapter, to do whatever, so that he stayed
on top of it.
Speaker 2 (25:12):
Seven days a week, he said, every day he'd carve
out at least that much time. How many people don't
do that one thing every day toward the goal. Can
I tell you some wisdom from my father that helped
me in college a lot, So maybe people in college,
whether first time, are going back, will like that. He said,
every single day, go through the notes that you've taken
(25:35):
in class, even if you're just reading through the notes,
but then I also did the extra step that he
had recommended. You might need to rewrite them or to
make something clear about them, and then just do that
every single day. By the time you get to the
end of the class when you need to either take
(25:56):
an exam or in many of the classes that I took,
put things together into a research paper, you're so much
further ahead because you reviewed all the notes every single day.
We went to college together, and I was on the
dean's list, so it must.
Speaker 1 (26:10):
Have worked well. My problem is I can't read my writing,
so I can take the notes, but I can't read them. Afterwards.
Speaker 2 (26:15):
I would type them up because you know, three months
later you're not going to know what you scrawled, so
I would.
Speaker 1 (26:20):
Just yeah, but they've done studies that when you write
it by hand versus when you type it, it stays
in your mind more so. Even though I couldn't read
my writing, just the act of putting it down, and
I wasn't just writing chicken scratch it that was actually
words in there by.
Speaker 2 (26:36):
I was writing by hand, and then I would like,
you know, retype them. Yes, for people that don't know.
Back then, there is no way you could type in
class because you have to take a giant typewriter with you.
Or I had one of those Kpro computers, a portable
quote unquote computer that weighed twenty five pounds and had
a tiny screen.
Speaker 1 (26:56):
I remember those portable computers. They were heavy. They were
not going to class with you.
Speaker 2 (27:00):
I did take him to the library.
Speaker 1 (27:02):
Though, those teeny tiny screens, and it either had orange
writing on a gray background or green writing on a
gray background, and those are the color choices.
Speaker 2 (27:12):
That was the exciting part about it.
Speaker 1 (27:15):
Moving on to Otis, who was just fascinating. I can
only hope to do as much as what he's done
so far, and he has not done by any means.
He's got a degree in broadcast and an MBA, and
he does sales and testing for a screen reading software,
and he helps adults who are newly vision impaired, and
he's a podcaster and just fascinating. I see, if I
(27:39):
could have had you and him and Frank, then my
theme song would have been stepped up from my house band.
Speaker 2 (27:45):
Well some of the things otis Otis. If people don't
remember he was he was has always been blind, correct,
I believe so. I believe that he had always been
blind and he could have just kept on with just
doing music all his life, but he goes, no, I
want a career. I want to go and do this.
And what he started before they had computers and screen
(28:07):
readers and things like that, when everything was in braille,
and what he did that was so important to so
many people is when he got the job at the
company Freedom Scientific, which makes the Jaws screen reading software.
If anybody knows anybody who's visually impaired, they're going to
be using Jaws. It's like the number one thing that
(28:29):
they that is everywhere. I have a neighbor who's blind,
so I know these things and she does computers as well.
But the thing is is that he was in testing
for that, testing all of that to improve that product.
Because that product has made people's entire lives and careers
so much better, and I've seen it in person. That
was a really important thing that he did, like for everybody.
(28:52):
What I wanted to know though, do you know is
he still doing that? I thought that he was like
now helping people who are newly blind to know how
to use all of the tools. Does he do that
as an independent consultant or is he working for a company?
Speaker 1 (29:05):
Believe it was with the state or the county or
something like that.
Speaker 2 (29:09):
Yeah, I would have to.
Speaker 1 (29:11):
Pull up my show notes to know for sure. So Otis,
please don't come after me if I got that wrong.
And from Otis, we went to Kathy James, who.
Speaker 2 (29:21):
Can't wait for her project to actually go live because
I think it's so cool.
Speaker 1 (29:25):
The project is called Catapult U and it is a
learning platform for people to learn things about pretty much everything.
She wants to make learning and education accessible because of
the challenges she faced when she was a young mother
trying to educate herself better and how she found the
(29:46):
resources for that, and so she is turning that around.
She is again one of those people who reinvented herself
and talked about her resilience and has moved forward and
created many wonderful things out of all of her life. Less.
Speaker 2 (30:00):
What I think is neat about the Catapult you is
she wants it to be both free for the people
creating the courses and the people taking the courses. So
that is a unique sort of thing. I think that's
so great.
Speaker 1 (30:17):
Yeah, my understanding is is she wants it to be
free for people taking it through organizations like churches and that,
but she also wants to have paid content available for
other people who want It's not like eventually everything is
free for everyone. There will be a lot of available
accessible content for people to get them started, to get
(30:37):
them learning. She is very passionate. This is her mission
and she's making great things happen for a lot of
people out there. And then Christine my HR professional. I
adore Christine in the information she has because HR is
this resource that is not always as well managed as
(30:58):
it could be. It's not as supportive of the organization,
it's not as supportive of the employees because people don't
know how to have those conversations. They don't know how
to bridge the gaps figure out what employees want. You know,
employers know that they want to get the most results,
and employees want to earn you know, good money and
have the benefits they need and whatever else. And she
(31:19):
does such important work helping them bridge that gap and
working with them from both sides to get that to happen.
Speaker 2 (31:27):
I only have one big giant note about her, and
it says in big letters, HR is your friend. To
tell everybody HR is your friend, please go see HR.
Speaker 1 (31:39):
Well, yeah, I mean the problem is companies are like HR.
They're going to make me do things for my employees,
and employees are like HR. I'm probably in trouble and
it's not that way from either side. So the stuff
she is doing to get them connected to get them
past that. Her new organization, Lighthouse Engagement Advisors, that works
with organisations to figure out the best way for them
(32:02):
to use their HR departments. It's wonderful stuff to put
out there, and she's such an engaging speaker. It was
a gift to have her on the show. And then Michael.
Speaker 2 (32:12):
I especially related to part of his story because he
was in event planning. I used to be an entertainment
agent and part of that I was either working with
event planners or partially doing event planning. So I know
what he was and he was one person that he
was doing that while he was fully employed. He was
taking that advice to have that CEITI paycheck while he
(32:33):
was working on the other thing. That was before he
became the putting guy.
Speaker 1 (32:36):
Yes, yes, the event planning, well, part of the event
planning was his job because that was what he did
with then, so he wasn't an attorney, but he works
in attorney's offices and doing a lot of the various things.
If you've had a large company of any kind, whether
it's attorneys or whatever, they plan events, whether it's speakers
in education, or things for their employees or things for
(32:57):
their clients. So there's a lot of planning that goes
into keeping those organizations fully engaged with those around them.
And what a unique idea rice pudding that is themed
after Broadway plays. I love it.
Speaker 2 (33:11):
Yeah, I like that, he said. He goes, you know
what I'm getting out of life. I better do this now.
Speaker 1 (33:16):
So many times people are like, oh, I wish I
had and he said, you know what, it's time. So
I think it's great. I do have to taste that pudding.
I've been delinquent in that, and I apologize, Michael, if
you're listening to this, I will get an order in there.
And then Jenna, we had so much fun. She has
(33:36):
such an amazing energy. I've also gotten the opportunity to
guest on her podcast, and so she's an educator leadership development,
career readiness, and she shared so openly her challenges through
they were high earners, and yet they also had a
lot of debt and they made the changes to bring
(33:57):
it down and show them that they could live debt free,
and then said, Okay, well that's good to know we
can do this. Now we can make the choices of
managing our money and managing how we want to live,
and what are the choices we want to make. Because
that's all I tell anybody is you've got to find
out what's right for you. You've got to get enough education,
enough understanding of how money works so that you can
(34:19):
decide this is something that I'm going to go into
debt for. This is something I don't want to go
into debt for. This is where I want to save,
This is where I want to let things go. That
was fantastic, any notes, because you just mentioned it.
Speaker 2 (34:32):
The fact that I guess it's the cautionary tale for
people that are making a lot of money or have
just gotten a job that pays them a lot of money,
particularly if there's a contract job, that you can still
be making a lot of money and end up feeling
like you're living paycheck to paycheck if things are getting
(34:52):
away from you expenses. I think it was her that
was surprise taxes.
Speaker 1 (34:57):
Her husband was paid ton nine, so they hadn't really
thought in terms of, oh, if he's getting a ten
ninety nine and not a W two, they're not withholding taxes.
We're going to have to pay all of that when
we do our taxes. And she realized that's not something
that the company's going to tell me. That's something I've
got to figure out.
Speaker 2 (35:17):
She was also talking about how they would keep traveling
and traveling and not really thinking about how all of
that spending was was adding up price. Well, again, you
can be making a lot of money, but then you
haven't set anything aside to it, like, for example, invest
if you're hiring and you'd be able to invest in
things or save in things. That was that was a
good cautionary tale for people who are making a lot
(35:39):
of money.
Speaker 1 (35:39):
Absolutely. And then there's Donny Mangos, who is the author
of Replace Your Salary with Real Estate and Get Welped Up,
and he did a lot of transitions and is now
part of a money management team. I like that he's
getting his kids involved and his friends are coming to
him saying, Okay, how do we set up for our
kids to figure out how to make all this work.
Speaker 2 (36:02):
This thing where his daughter was actually borrowing from herself
to invest in something.
Speaker 1 (36:08):
I don't know all the vehicles that he used to
make this work. But if you think of when you're
making these expenses, instead of taking a loan for it,
you borrow it against your investments, or you take it
out from your investments, but you know you owe it back.
They gives you so much more control and an awareness
in your mindset because hey, that was my money, I
(36:29):
want it back. However it's structured, whether it's a loan
that you're burrowing against it or you're borrowing it from
that pot, owing it back to yourself is huge, and
I think a lot of people would be in a
much better financial situation if they thought of that at
the beginning. Okay, this is my money, how am I
going to pay it back? And Alex Green, mister green stuff,
(36:50):
you mentioned him earlier, Yeah.
Speaker 2 (36:52):
If I remember this, he went back and forth between
doing things that he says, well, I have to do
this because this is the way I'm supporting myself and
my son, But then this is the thing I'd want
to pivot to for a better future. I loved this.
This was the power of doing a good job and
having people spread the word he started this. It was
(37:15):
a swing to start the insulation business, because he started
with like nothing, If I remember correctly, they were homeless.
I think at the time.
Speaker 1 (37:23):
He was homeless. He had his son staying with I
think his sister.
Speaker 2 (37:28):
Yeah, and he said, I have these skills. He got
the first job, fortunately in a rather exclusive neighborhood, starts
working on this and the man for whom he was
working told all the neighbors, this guy's doing this great job.
And so he got some good jobs right away. And
also when he decided once that business was successful and decided,
(37:50):
you know what, with the urging of friends, he wanted
to get back into the business side of music. I
also liked the fact that when he shut that business down,
which apparently he did really rapidly, found buyers for everything.
He found places for all his employees to work. He
didn't just like lay them off. He went and found
other jobs for them, which I thought was very cool.
Speaker 1 (38:10):
Well, you know, he talks about how there was always
someone there for him when he needed them, whether it
was his late ex wife when he injured his hand,
who encouraged him to learn to play the guitar on
the other side, or this guy networking for him. When
he did a job, he liked his work, he liked
his work ethic, so he found him more jobs to do.
When he wanted to go into music producing, he had
(38:33):
someone help him pick out wines and all of these things.
He's always had people there for him when he has
needed them, willing to step out, willing to network, willing
to emotionally support whatever, and that he's trying to do
that for others as well, that he did it for
his workers, that now he wants to get into being
a resource for people going into various things. I loved
(38:55):
the story about the young woman who approached him and
he said, you know, when you figure this out and
get moving forward, you're going to find the thumb print
on your forehead is your own, your own thumb that
you know, we get in our own way, We get
in our own head all the time. And I love
the fact that he was just very bluntly, okay, we
can we can figure this out. You know, It's it's all.
Speaker 2 (39:17):
There is he being a career consultant.
Speaker 1 (39:19):
Now.
Speaker 2 (39:19):
I couldn't remember what he's doing now.
Speaker 1 (39:21):
I think it's a lot of different things. Not necessarily
a career consultant. I think more more like a coach
kind of thing, helping people learn how to network, helping
them learn how to finance bigger projects. You know, the
skills that he did, networking, all of those kind of things. So,
you know, it's so fascinating to hear someone's evolution story.
(39:45):
We look at someone like like some of the younger
guests that I had, who are near the beginning of
their careers, and then you look at someone like mister
green Stuff who's been doing this for a few years,
and well, they have different information, different resources, and it's
great to get those varying perspectives.
Speaker 2 (40:04):
Yeah.
Speaker 1 (40:06):
Else, Oh, I'm sorry, I don't want to talk so
much that I don't get any comments from you. I
don't want to use up all the words. And then
and then my double guest, Carol Lempert and Scottie Watson,
and they are theater kids, they are theater adults. They
are people who came from this performance background and they
(40:27):
still perform, both of them in different ways and different things,
but they are also using those skills they learn doing
that on stage, being comfortable on stage, being able to
present information, being able to coach other people to present information.
We had a really great conversation talking about gigwork and
diversifying and your personal brand and of course one of
(40:50):
my favorite topics, spreadsheets.
Speaker 2 (40:53):
Besides the good points that they made in a very
entertaining way, but the good points that they made about
what somebody with a theater background can do for your organization,
how that sort of person might really help it. They
also made the point in general about what unions and
professional organizations can do for their members. And this isn't
(41:17):
just entertainment, this would go across the board. I think
people don't think to turn to professional organizations or their
own unions as much as they do for help with
a huge variety of stuff that had to do with
making your career better and just making your life better,
including help understanding financial things. So that was a good
(41:41):
point that they made.
Speaker 1 (41:42):
Yeah, and a lot of us probably don't even realize
all the professional organizations that we're in and that they
offer things. As a CPA, I'm in CPA organizations and
I can get discounts on various things by letting them
know my membership number and whatever else. And that's true
of a lot of organizations, whether it's answering questions or
(42:03):
having discounts, or helping you to network and make connections.
I feel like I've overused the word important, but it's
important to know that these resources are out there and
that you have access to them.
Speaker 2 (42:16):
I've seen it firsthand in music because one of my
clients people probably don't remember the things that I do
and still do, is managing websites, you know, just keeping
them afloat well, keeping them going in the background. One
of my clients is the Phoenix Musicians Union. I think
a lot of the people, hopefully you have a lot
of bands that are in music as you know. Let
(42:37):
I guess that way. All of the classical musicians belong
to it and use it all the time. But I
think a lot of times the jazz musicians, pop musicians
and everything don't think about if I joined that look
at all the help and networking and things that they
can do for me, and so pop musicians, jazz musicians
about being involved in your local music union. Don't make
(43:00):
it all the classical people.
Speaker 1 (43:01):
Classic people are wonderful.
Speaker 2 (43:02):
We are.
Speaker 1 (43:03):
We are not in any way digging on classical people.
Speaker 2 (43:05):
They all belong to it and participate all the time,
and the rest of you are missing out. That's what
I'm saying.
Speaker 1 (43:11):
So you and I we met because of classical music, musicians.
We love you. What's a little divorceeac between friends? So
I think we've we've covered the gamut of the season. Karen,
what do you think how'd I do for a first season?
Speaker 2 (43:25):
Well, since I'm the one that listens all the time,
I obviously liked it.
Speaker 1 (43:29):
This is not a paid sponsorship. I didn't I didn't
threaten her. I didn't anything. She's safely in Arizona. I'm
in Michigan.
Speaker 2 (43:37):
I am not in.
Speaker 1 (43:37):
Any way twisting her arm for the endorsement.
Speaker 2 (43:40):
I found it, you know, all really interesting. Even when
it wasn't my personal life thing. It was still really
interesting to hear all of the stories and the things
that people did and all of that, and then I
learned stuff, and then it reminded me of stuff that
I really should know.
Speaker 1 (43:55):
Well that's okay, So hopefully we'll have some new and
wonderful guests coming up this next season. And to go
with my theme song from the house band.
Speaker 2 (44:04):
And if you're listening, consider being I guess I know
that there's people I know that Mercy would like to
have on that are like, oh, I don't know, I
personally know the people that are going, Oh no.
Speaker 1 (44:16):
It's relatively harmless. It doesn't hurt a whole lot. And
I try to make you look good and.
Speaker 2 (44:21):
It's radio, nobody can see you or anything.
Speaker 1 (44:23):
Well, the only the only thing is if I put
a short snip of a video on social media to
encourage people to listen.
Speaker 2 (44:32):
What is she gonna do with it?
Speaker 1 (44:34):
Any final words of wisdom before I wrap up?
Speaker 2 (44:36):
Oh boy, I think I should all this stuff. It's
hard for me to give you words of wisdom because
I am not a podcaster. I just appear on podcasts
and radio shows.
Speaker 1 (44:47):
You're here as a listener. You're here of someone who
hopefully enjoyed the show. You're here as someone who listened
to all the episodes. So this is where you tell
people to catch up on the episodes they missed and
there won't be a quiz and.
Speaker 2 (44:59):
Decide decide you want to be a sponsor. Yes, as
a listener, I would really like to hear Marcy go
now my wonderful sponsor isn't I can't even think what
it is? Finance books or shop at Fry's grocery store.
Everybody wants something that has to do with what they're
listening to, Like by my Pudding.
Speaker 1 (45:17):
Oh you are too funny listeners, Thank you so much
for stopping by.
Speaker 2 (45:23):
I hope you enjoyed it.
Speaker 1 (45:24):
I hope you will share it, follow if you're not
doing so, and tune in next time. This has been
Marci talks Money in Life with my special guest for
my wrap up of Karen Martinez from Puppy Pau's Playyard.
And thank you for listening to season one. You got this,
Sia
Host
Marci Grossman
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