You Can Overcome Anything: Ep 303 - Overcoming Financial Struggles – Vera McCoy - You Can Overcome Anything! Podcast Show

Episode Transcript
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Speaker 1 (00:00):
Are you looking for more out of your life? Do
you need ideas on how to start new businesses and
how to move forward in your own personal life? Well,
guess what you have come to a right radio show
and you Can Overcome Anything podcast Show. You will learning
here from many people from all walks of life who

(00:22):
are sharing their challenges, their stories, their habits and the
mind shifts they have to overcome to become who they
are today. On top, you will get a chance to
connect and see how you can overcome anything by networking
and learning about your next move through this radio show.
I present to you our great speakers at You Can

(00:46):
Overcome Anything Podcast Show with your host Caesar is Fine
hellother and welcome back to another episode of You Can
Overcome Anything Podcast Show. It is your host Caesar Espinhom

(01:06):
and today I have a special guest. She is an attorney,
an investor, and author. She obtained her BA from Rutgers
University with honors, and her Juris Doctor from Ruggler School
of Law. She's a member of the New Jersey State
Bar and admitted to practice in both US Bankers Court

(01:27):
and US District Court. She began her entrepreneurial journey as
a co owner with her mother, Leyla, of the Real
McCoy Daycare Center in Malton, New Jersey. She's a Serify
teacher with a endorsement in early childhood Education. She opened
her law firm after her mother retired from the Real McCoy.

(01:48):
The firm's primary areas of practice at real estate law
in bankruptcy law. Since twenty twenty two, she's making a
pivot to as a real estate investor, podcaster, business through
the Findinancial business consultant, and entrepreneurial motivator through the Financial
First Aid platform. This platform offers tools to entrepreneurs improving

(02:09):
their personal and business finances to move them to financial freedom.
It is my great pleasure to interest to you Vera McCoy. Hey, Vera,
how are you.

Speaker 2 (02:18):
I'm doing well. Thank you for the introduction, Caesar, It's
great to be here.

Speaker 1 (02:21):
Yeah, definitely, you know, I'm definitely looking forward to it.
And you know, definitely you've done a lot of things
and I want to learn about all those things and
being involving in real estate investing and then in law
and daycare, like so many things going on in your life,
which is awesome, and I know that definitely was not
something that was easy to get to, and it takes

(02:44):
a lot of determination, so I want to get there.
Before I get there, do tell me a little bit
about your background and your upbringing where you're originally from.

Speaker 3 (02:51):
I'm from Philadelphia, Pennsylvania. That's where I was born and raised,
and then when I was thirteen, my parents moved us
to a town.

Speaker 2 (02:58):
It's a little town nobody ever heard of, well.

Speaker 3 (03:01):
At least I had never heard of in New Jersey,
and I still live in New Jersey.

Speaker 2 (03:06):
Now. I really I like the area that I live in.

Speaker 3 (03:09):
But it kind of started for me. I think just
looking at my father and mother. They were their own bosses.
They were entrepreneurs and and you know, as a as
a child growing up, you don't think of them as entrepreneurs.

Speaker 2 (03:25):
You just see what they do. And so my.

Speaker 3 (03:27):
Dad had his own meat business, and my mom was
like the accountant secretary.

Speaker 2 (03:33):
She did all the background administrative stuff. So I saw
them work together as a team and really grow their business.

Speaker 3 (03:40):
And it was just kind of from watching them that
I thought, Wow, this would be a great way to
kind of spend my adult life because then I wouldn't
have to answer to anybody.

Speaker 2 (03:55):
I love that It wasn't exactly easy, but it happened
that way.

Speaker 1 (04:00):
So, you know, we as growing up, we always have
the idea, as you said, you see your parents are
doing something and you say, I kind of want to
do that, or you have this idea of, you know,
when I grew up, I want to be you know,
a lawyer, a doctor, or whatever that might be. That
for you wasn't really just you know, based on seeing
your parents, it's like, no, I really gotta I really

(04:22):
want to do whatever it is that they're doing, or
being my own boss, or you had a different idea
of becoming something different.

Speaker 3 (04:28):
Yeah, because initially, you know, they were big promoters of
you should go to school and get your degree and
this and that and and so originally it was more
along the lines of I'm going to get up, I'm
going to grow up, I'm gonna get my degree, and
then I'm going to get my law degree and I'm
going to be a lawyer. And I thought that that
was pretty much everything that I wanted to do. And

(04:49):
it wasn't until I got older that I kind of
thought in terms of well I could I could run
my own business.

Speaker 2 (04:55):
And so that's when my mother and I.

Speaker 3 (04:57):
Kind of got together and decided to open the day
care center with the little kids.

Speaker 2 (05:01):
I love working with the little kids. They were so
much fun.

Speaker 3 (05:03):
You know, the business was challenging, but working with them
was was really nice.

Speaker 2 (05:09):
It was really good experience. Teaches you a lot of patience.

Speaker 4 (05:13):
Yeah, I was gonna say that for sure. I mean definitely.

Speaker 1 (05:16):
I mean, you know, having one or tickets that's you know,
more than enough, and then having a whole daycare that's
definitely its own challenges.

Speaker 2 (05:23):
Right, Yes, yes, it was.

Speaker 1 (05:26):
Yeah, So so tell me more some of like for you,
like what were some of the the big lessons right
to on your journey towards you know, me and your
own boss and I just opened up daycare because again,
a lot of times we we believe that everybody that
has a business, you know, they have done you know,

(05:46):
they have made you know a lot of people believe that.
And I and at one point I did too, right
and and and really realizing that that is not the case.
There's a lot of hurdles and there's a lot of
challenges throughout the that journey. And and two things happen.
Number one is people learn from that and they become
better or two they don't learn enough to where they

(06:09):
give up, right and part of it. And I think
this is something that also happened with you, not sure
at which point in your career, yet I believe that
anyone that goes through becoming an entrepreneur and being your
own boss, you go through those financial challenges. You go through,
you know a lot of financial hardships, right, and so
how do we you know, lover of the lessons, and
how do we overcome those things and be able to

(06:31):
come ahead, Because that's a huge one, right, Like when
you stop seeing that money coming in, like ma and
I got to go back and get my so called
secure job nine to five.

Speaker 4 (06:40):
Yep.

Speaker 2 (06:40):
Absolutely, yeah.

Speaker 3 (06:41):
Because during the time that my mother and I were
in the daycare business, just kind of before we decided
to close it, we went through a bankruptcy and that
was really, really difficult, and I think that's kind of
what sparked my interest in practicing bankruptcy law. But the
experience that I learned really from was going through that

(07:04):
and learning resilience. We were struggling because we had spent
a lot of money to set up the business, you know,
to the building that we bought was not originally built
as a daycare, so we had to retrofit it for that.
Of course, there's all these state regulations and whatnot. And
then when after we opened, we sat for a good

(07:27):
two months trying to get customers.

Speaker 2 (07:31):
And with all that.

Speaker 3 (07:32):
Being said, we were using our credit cards to keep
us afloat, and so, you know, once we got started,
we were doing really well, but we had already built
up a lot of debt doing that. And as you say,
you learn from it.

Speaker 2 (07:47):
Or you stop.

Speaker 3 (07:50):
So we were fortunate enough to get through it, and
once we got through it, you know, we were okay
on the other side of that. But the lesson that
I really did learn from that was if you're going
to have to use credit cards to kind of finance
your business, because like you said, a lot of people
go through those hard times when they're starting a business.

(08:14):
Really what I would would recommend is as soon as
you can get them paid off, and you can, you know,
there's different ways to pay them off. And then the
second thing I really think I learned from that experience
was that if.

Speaker 2 (08:27):
You're starting a business, do a little bit more planning.

Speaker 3 (08:32):
I think we didn't plan enough for some of the
obstacles that we were going to encounter. And then part
of the plan really to me, should be that you
put some money aside as much as you can, so
that when you start running into all these difficult problems,
you have a cushion for yourself. And that's really kind
of what the financial first aid idea is about, trying

(08:54):
to get entrepreneurs to understand, you know, let's see how
we can get you in a safe place so that
you don't have to fall into bankruptcy.

Speaker 2 (09:04):
You know, what are the steps that you can take.

Speaker 3 (09:07):
My core customers are newly started entrepreneurs, you know, people
who are trying to start their business, and then also
older people who have a wealth of knowledge and experience.
I really want to help those people that are either
retired or semi retired to take their wealth of knowledge
and really use it in an effective way to help entrepreneurs.

Speaker 4 (09:31):
Wow, well that's huge.

Speaker 1 (09:33):
There's a few things that come to mind, and I
think it's important to kind of review them. And you know,
you said, you know, obviously, you guys have to go
through your own bankruptcy, and then because of that, you
kind of started learning that and practicing that. And it's interesting,
you know, I think that a lot of people in
our space, in our field, you know, when we go
through something, we always said, you know, I'm doing this

(09:55):
for me. And then from that that experience then allows
you to say, you know, whatever, if I cannot do
this for others. And then and and I say that
because I went through a different experience where I was
learning NLP on NLP Certified Neural Linguistic Programming is UH certified.

Speaker 4 (10:11):
And when I did that, I originally did.

Speaker 1 (10:13):
That for me to work on myself and just kind
of you know, try to find myself in in you know,
in a in a higher vibrational vibe, right and go
through all of that. And I said, you know, like
this is this is something that I see the benefit
of that you know, maybe I need to felt how
I can now help other people doing that. And so
a lot of people do that, right, So when it

(10:34):
comes down to that, obviously you came off of that
then you you know, you guys started that practice. The
question I have, I'm sure many of your clients will
come to you and ask, is it if you have
a choice of you know what, let me foul bankruptcy
and kind of hit the reset button and do it again.
You know, is that recommended or or or is it

(10:57):
better to try to how to make it even if
you're financially challenged.

Speaker 3 (11:03):
Yeah, that that's a really good question because a lot
of people are very very fearful and reluctant to file bankruptcy.

Speaker 2 (11:11):
And you know, and I get it, you know, I really.

Speaker 3 (11:13):
Do understand that because it does hang around on your
credit report for quite some time. But you know, there's
two ways to look at it. And the one way
is you can look at it as, Okay, I really
I file this bankruptcy. I'm a failure, I don't know
what I'm doing. Or you could look at it as

(11:34):
I'm gonna, as you said a few minutes ago, reset
the start, but you know, restarted up, start with a
clean slate, get rid of all the debts, and start over.
And you know, I don't suggest that people do it
multiple times. I mean, I think if you learn properly
from the first time, you don't have to do it again,
so you know, and and part of that idea of

(11:57):
that's what I'm saying is like, you know what, hey,
put some money aside if you're going to try to
do this, you know, entrepreneurial thing, and then you know,
there's also that time where you really can you know,
be honest with yourself. Maybe this isn't working. Maybe maybe
I'm not cut out to be an entrepreneur.

Speaker 2 (12:16):
You know, maybe I do need to go back to
my nine to five.

Speaker 3 (12:19):
You know, I'm hoping that a lot of the people
who you know, I can help don't have to go
back to their nine to five because that's not where
their heart is, that's not where their passion.

Speaker 2 (12:29):
Is, you know what I mean.

Speaker 3 (12:30):
But if you've you know, experienced that you got this
startup going, things seem like they're going okay, and then
you hit a brick wall boom. What do I do now? Well,
perhaps you should file a bankruptcy, you know, so it happens.
Don't look at it as you know, you're a failure,
but look at it as a fresh start, a clean.

Speaker 2 (12:50):
Slate, and I can get my my.

Speaker 3 (12:53):
My program together and really know what mistakes I made
before that I don't make again.

Speaker 2 (13:00):
That's you know, that that's really how you should look
at it.

Speaker 1 (13:02):
Yeah, And you know part of that too is when
you start thinking about it, it's it's an opportunity, right,
I mean, you know, if you look at some of
the major companies, they've done that. I think Walt Disney
filed bankrupcy seven times and look where Disney is that, right,
And so you know, people utilize that as an opportunity.

Speaker 4 (13:21):
And I believe.

Speaker 1 (13:23):
Part of that is is that idea of the wealthy
know what to do and when to do it. Yet
the most important thing is, as you mentioned, you know,
don't do it multiple times, and if you have to
do it, then don't don't feel like it's a failure.
Do that in On the other side, now, we've got
to be more disciplined, we got to be more aware, yes,
definitely right, and we've got to be able to say, okay,

(13:46):
this was a you know, kind of take it as
this was my last opportunity. Let me not screw it
up by doing and changing things right. And I think
that's probably part of the challengees. Like a lot of
people when they win the lottery, they get all this money,
and yet they're not aging, catered enough, right, right, educated
or other ways. Within a couple of years they lose

(14:06):
at all. They don't get into investments, and they don't
get into that. I think that's kind of the same
thing with you know, in my opinion and you tell
me if I'm wrong. It's kind of like the same
approach that we should be taking if you were to
go through this route of you know, hitting the reset
button and find bankruptcy.

Speaker 2 (14:22):
Yeah, I totally agree. I totally agree.

Speaker 3 (14:25):
And that's the thing with you know, working with my
financial aid program, my financial first Aid program, the program
is really geared towards trying to get those new be
entrepreneurs to understand it really is a journey. It isn't
a thing that you just jump into. So do a

(14:45):
little planning. Yeah, as you said a few seconds ago,
be disciplined with you know, even though you've planned to
do it, and then once you get into it, try
to make sure that you do everything that you can
to stay resilient because you know, everything starts in the mind,
like it starts. That's the first place your idea is
going to start. Okay, I got this idea. I want

(15:08):
to start this so and so business, whatever that might be. Okay,
educate yourself and that's what you know. First Financial Birthday
really promotes mindset and education and motivation because you know,
I was just talking to someone earlier today about she
does short term rentals. I know nothing about short term rentals.
This is something I might want to get into because

(15:29):
I'm already into the real estate space.

Speaker 2 (15:32):
But after talking with her, I realize, you know.

Speaker 3 (15:34):
What that's Even though it's real estate, it's a whole
different type of real estate. So, you know, don't just
jump into something because you know, like, Okay, I love
to bake or something like that, and I'm going to
open up a baking shop. That sounds great, But there's
a lot of work that goes in the background before
you can actually jump out there and start your baking

(15:55):
shop or whatever shop that, you know, whatever the thing
is that you're trying to do. I really do promote,
you know, the whole mindset piece, and the whole resilience piece,
and the whole education piece, because you got to have
those things in order to stay afloat as an entrepreneur,
you know, you know.

Speaker 1 (16:12):
No exactly, yeah, and and and then and the other
thing that I think it's interesting and and and and
definitely there's some merit and value there. You know, you
said that at the beginning, he was kind of challenging
right to being able to get those clients and customers, right, Yes.

Speaker 4 (16:28):
How do you do it? Like what was that?

Speaker 1 (16:31):
You know, you know obviously a lot of times like wait,
how am I Why am I gonna trust you in
the sense like why would I do business with you
if if you went through bankruptcy? Like and I don't
know if I want to learn from you or I
want to you know, hire you, right, And and I'm
sure that was part of that. Yet again though I
think it was, Uh, I forget if it was a
Jim Brown or Les Brown that talked about I was

(16:52):
listening to a podcast or or one of his recordings
and he was talking about from somebody's uh tragedy, right right, right,
something new and wonderful was born, right, you know, from
from from that something U ended up coming out that
that was great. And it's the same thing, right, you know,
whether you went through that experience, now you're utilizing that

(17:13):
to help other people. How do you get people to
trust you or and back then to work with you?

Speaker 2 (17:19):
Well, and that's that's a really great question question.

Speaker 3 (17:23):
I think, first of all, well, where I'm at now,
you know, I get the people to you know, really,
most my clients are from other people who recommend me,
and I don't know how many of them know that
you know, I went through a bankruptcy. But I think
when you are you know, genuine and really authentic and

(17:47):
and willing to you know, admit that you know, I
made a mistake. I don't know everything you know, and
yet and still I've been able to come out on
the other side of it being i would say, somewhat successful.

Speaker 2 (17:59):
You know, I'm not a millionaire yet.

Speaker 3 (18:01):
I'm working on that though, you know, but having you know,
some degree of success, I think that kind of speaks
volumes for getting people to trust you.

Speaker 2 (18:12):
They you know, they see me consistently.

Speaker 3 (18:14):
Doing what I do, I believe I do it well,
and because of that, people grow to trust me, and
then of course they're telling their friends, they're telling their
family members, and that's really how I grew my legal practice.
The same thing with the daycare center. You know, we
got a few customers who recommended it to another few customers,
and then over time, people you know, see that you're

(18:38):
consistently doing what you do and you're not going anywhere,
and that's how they kind of what's the phrase, they
have to know like and trust you in order to
do business with you, And that's what up ends up
happening so I think a great deal of it is
just being consistent, you know, being consistent people.

Speaker 2 (18:56):
Seeing you, and then they will grow to trust you
and know you and then trust you.

Speaker 4 (19:01):
That's huge.

Speaker 1 (19:02):
Well, I know you're in this mission rate of motivating, inspiring,
inspiring and also educating people, right and and you're doing
that through different channels. So let's talk about some of
those channels. You know, obviously you have a podcast, and
you have all the things going on. You were in
a book Rootstate, investing things about connecting people. Let's talk
about all of that and.

Speaker 4 (19:23):
And how you're doing that.

Speaker 2 (19:25):
Well. I was fortunate enough because I participated in your book.

Speaker 3 (19:30):
That's the first time I've actually been published, and I
was really excited about that. It was you can do
anything with courage, and you know, I did my little
chapter on courage, but it was really a great way
for me to jump into being coming an author.

Speaker 2 (19:47):
You know, writing is part of what I.

Speaker 3 (19:49):
Do as an attorney, but I don't write like I
wrote for your book. So I was really excited about that,
and I thank you for that opportunity.

Speaker 2 (19:58):
And then in terms of.

Speaker 3 (20:01):
Educating, I try to do that with educating and inspiring,
I do that with my YouTube channel, and that's called
Financial First State.

Speaker 2 (20:09):
Hopefully people will connect to that after they see this.

Speaker 3 (20:13):
My YouTube channel has quite a few videos, i have
quite a few subscribers, and I'm looking forward to actually
next year doing more. This year, I kind of slacked
off a little bit, but that's one way as well.
My YouTube channel is really getting hopefully more and more popular.
I just started doing another podcast called seven Minute Entrepreneurship,

(20:35):
and that's just a real short video with some people
that I know that I've helped, and I'm hoping to
help more by using those snippets, those seven minute podcasts
to get the word out for people to come and
hopefully use the services that Financial First Aid has to
offer them in terms of you know, getting their business started,

(20:57):
keeping their business going, and hopefully growing their business this
teaching them how.

Speaker 2 (21:01):
To invest as well. So those are just some of
the ways that you know, I've.

Speaker 3 (21:05):
Been really fortunate to help other people, you know, outside
of just practicing law.

Speaker 4 (21:11):
Yeah for sure.

Speaker 1 (21:13):
And then you know, you're obviously getting your hands busy
in many different different things, which is is good, and
part of that is also getting into like real estate investing.

Speaker 4 (21:22):
Tell me a little bit about that part of you're yeah.

Speaker 3 (21:27):
Unfortunately for me, I didn't realize how significant that was.

Speaker 2 (21:31):
When I got my first property.

Speaker 3 (21:35):
When my mother and I had the nursery school, we
actually had a commercial property that was the property that
the school was on. We had a tenant there, commercial tenant.
Then we purchased a four plex we had tenants there.
And then after that experience, I kind of like said,
now I don't want to be a landlord anymore because
it was such a bad experience. But then but from that,

(21:58):
I mean I learned. I learned a lot from that.
It took me a while again, but then I said,
you know what, let me get back in the game.
So I've done some fix and flips, have a long
term rental property now and as I as I told
you before, I'm thinking about getting into the short term
rental space.

Speaker 2 (22:18):
I'm not quite sure yet. But that I mean, you know, real.

Speaker 3 (22:21):
Estate investing just involves a lot of moving parts because,
as you say, you have to connect people. So I
have to connect with investors who you know, provide capital
for purchasing the property. I have to connect with realtors
who help me find the property. Of course, I have
to connect with sometimes I don't deal with the realter.
Sometimes I'm just dealing directly with the seller or the

(22:44):
buyer or whatever the case may be. So it's just
a lot of moving parts and keeping those moving parts
in the right space and keeping them in order is challenging,
but it's a good challenge because at the end of
the whole process, either, you know, I have a property
that I redid, and that's the part I love. I
love to take what it looked like before and then

(23:06):
look at what it looks like after. That's the part
I really like. And then fortunately I've been able to
provide you know, some housing for some people, which is
that that means a lot too as well, So that
that's been an interesting journey. In the last few years,
i haven't been investing as much. I think kind of
COVID slowed me down a little bit. But now I'm

(23:28):
really getting my head back into that game, looking to
buy a couple more properties and some doing some bigger
projects coming up this year. I'm really looking forward to
that doing some multi multi family units.

Speaker 1 (23:39):
Nice, that's huge, that's awesome. Well, let me ask you this, obviously,
with everything going on, like you must have some sort
of uh Tony Robbins refers to them as ritual. So
some habits, daily habits, or things that you do on
a daily basis to kind of get you up and running,
getting organized, Like sure, some of the things that you

(23:59):
do on a day to day basis, which I.

Speaker 3 (24:03):
Was even more organized, but really on a day to
day basis, you know. Yeah, Usually I try to spend
some time on each one of those things. I'm working
on becoming more disciplined with the with the writing piece,
the author part, where I'm wanting to do like at
least an hour of day of writing. I do that now,

(24:24):
kind of journaling, but I don't do it consistently enough.
I make sure that I do look over some properties
every day just to see is there something out there
that I want. I also try to make sure that
I do at least a little exercise every day, whether
it be walking or I'm a big yoga person. Now

(24:45):
I've been doing yoga, I don't know, maybe for the
last few years, just before kind of like COVID hit
and so the whole yoga piece is really nice. I
tried really hard to spend some time in meditation and
just take some time just stop, you know, for for
at least half an hour during the day and just
really focus on, you know, some self improvement, some some

(25:08):
calming things, because you know, with doing all these different things,
you know, your head can be fifty places at the
same time, So just take that time. So that's one
of the things that I try to do almost every day,
and I think those are really mostly the most consistent
things I do. The exercise piece, the yoga piece, the

(25:30):
mind kind of set piece. You know, I don't listen
to a lot of the news. My husband does, so
you know, if I want to know what's going on,
I can ask him, right.

Speaker 2 (25:39):
I find that I try to say away.

Speaker 3 (25:41):
From like negative people and negative thoughts and negative things,
And that is one thing that I really, I really
I'm really guarded that way. You know, when you get
around people who are not I don't know, I guess
entrepreneur friendly. I'll put it that, they will tend to say, well.

Speaker 2 (26:02):
Why are you doing that, or what's the purpose of that?
Or aren't you afraid that?

Speaker 3 (26:07):
You know, people have a lot of fear and they
like to cast their fear on you, you know, So
I work really hard at staying away from those things,
and I guess that may be a ritual.

Speaker 2 (26:17):
I don't know, but I know it is.

Speaker 3 (26:20):
There's certain things that I really try to try to
implement on a daily basis to stay in a good place.

Speaker 4 (26:26):
Yeah.

Speaker 1 (26:27):
Well, there's definitely two things that I want to add
to that. Number One, you know, everything you're doing, well,
it might seem like it's very insignificant and very small.
I think it's so critical, right, and and and again
is those little things that that are challenging for us
to do, like maybe hey let me let me go
around the block for five minutes. Right, It might be
something like very simple, you don't even have to run,

(26:48):
just like walk, right, Yeah, people just want to do it.
You know, we tend to not do the things that
are very simple because we get lazy or rather sit
on the couch and watch TV or whatever you can be, right,
And so we got to recognize that even though very
small tasks can be instrumental to our growth and to
our future. The second thing is, uh, I think what

(27:09):
you mentioned is huge and and and I do believe
those that are watching need to really understand that. And
and what you said, like, you know, you don't really
watch to be I don't watch TV myself either. I
stopped doing that for a long time. And part of
that is because everything that we hear and everything that
we see is some sort of program. We've be in
programs somehow, And which is interesting what you mentioned is

(27:31):
that you know, people are they have the fear of
the unknown, or the fear of this or the fear
of that. Yet watching TV or watching the news while
they're inducting in us is fear fear of the world's
gonna come to an end, you know, like you know,
son Ian noware like this is true story.

Speaker 4 (27:47):
I was.

Speaker 1 (27:48):
I was up in San Francisco two weeks ago, I
think or three weeks ago. I was doing a multifamily
real estate investing seminar. And anyways, there was a big
earthquakes seven point four airquake. I didn't feel it, but
there was a big earthquake. And then all of a
sudden I get the Amber learn say tsunami warning, and
then it was all over the TV. Nothing happened right

(28:09):
like there there, even before starting. I think media society
tries to put fear and and and and and that's
how we're essentially programmed.

Speaker 3 (28:18):
Right.

Speaker 1 (28:19):
That's a huge one, you say, you know, We've got
to be very mindful of the people that we on
our you know, around with, and also be very mindful
on the things that we listen to, the things that
we read. I think listening to podcasts like this, to
your you know so from to your YouTube channel, there's
a lot more benefit to do that than doing some
of your things that society wants you to do.

Speaker 3 (28:41):
Right, absolutely, absolutely, yes, indeed, so I was glad and
honored to have you on my podcast.

Speaker 2 (28:48):
Yeah, that was that was a great experience as well. Yes,
it was definitely thank.

Speaker 4 (28:52):
Thank you for that. So definitely have a lot of
things going on.

Speaker 1 (28:56):
If people want to connect with you find out more
about what you're doing, how can they find you or
connect with you?

Speaker 3 (29:02):
Well, they of course can go to my YouTube channel.
It's Verra McCoy I think it's Vera McCoy at fifty
five financial first Aid. They can also email me at
v McCoy e s Q at Financial and then it's
the number one as just like in the poster here
and there's a dashaid dot com financial firstaidh dot com.

Speaker 2 (29:27):
Thank you very much, yep, that's I love them.

Speaker 3 (29:30):
I love your viewers to viewers and listeners to connect
and you know, even if there's something I can't help
them with, I'm sure if we just have a conversation
and I can motivate them or inspire them or educate
them with something, it would be great. It would be
great experience. I'd love to have them reach out to me.
Thanks so much, Caesar, I really appreciate that.

Speaker 4 (29:48):
No, definitely, that's huge.

Speaker 1 (29:50):
One other question I have for you for the people
that are watching and listening to us, if they're going
through any challenge, whatever challenge that might be, what is
one or a things you can say to them so
they can start overcoming that challenge.

Speaker 3 (30:04):
Well, I can repeat what we were talking about earlier.
You know, really try to stay away from negative people.
You know, there's always going to be some naysayers when
you have an idea or a business or something that
you want to start that seems foreign to them, and
so you know, do the best you can. I know,
sometimes you can't help it. Like if you're living with someone.

(30:27):
I think there's a lot of times when a husband
and wife don't see eye to eye on if one
of the partners is, you know, trying to start something,
I know that that can really be challenging, but I
think that if you can stay focused and you can
keep yourself in a good mind space, I think that
goes a long way to helping you overcome anything as

(30:48):
well as achieving that you know, goal that.

Speaker 2 (30:51):
You're trying to achieve.

Speaker 3 (30:53):
And then, like I said, you know earlier, if it
really is something that is not for you, entrepreneurship is
a journey that's not for everybody. So if you can,
you know, take your time out and just really analyze
what it is you're getting ready to do. Just be
educated before you jump into it. You know, learn what
it is the subject you're talking about. I, you know,

(31:17):
have in one of the programs that I that I
have for entrepreneurs I really advocate investing, but there's all
kinds of investing, you know. I happen to like real
estate investing. There are people who are doing cryptocurrency that
you know they're doing great. I don't know anything about it,
but I can direct them into that. There's people even

(31:38):
in real estate. There's so many different ways you know,
you can invest. I ended up investing in a note.

Speaker 2 (31:44):
I didn't know anything about that. The gentleman that I
partnered with, he helped me with that.

Speaker 3 (31:49):
When I got like I said, my mother and I
had our first multi family, we didn't really know what
we were doing.

Speaker 2 (31:55):
But after we got into it, of course, of course
we learned. But you know, once you start taking on.

Speaker 3 (32:00):
These smaller projects, figure out when it's a good time
for you to scale up, you know, don't kind of
stay where you are. But all that comes with time,
patience and education.

Speaker 4 (32:12):
Yeah.

Speaker 1 (32:12):
No, those are definitely some good golden nuggets and a
lot of great advice and and and a part of it,
you know, like anything, it really is that idea of
being patient, uh, and and not just you know, go
through through the process. You got to learn through the
process of oh you're heading right. Absolutely absolutely, Well again,

(32:33):
it was such a great time having you hear anything else,
any last you want to share before I let you go?

Speaker 3 (32:39):
Nope, that's I just I hope everybody that hears this
sees this. I hope you and I have inspired some
people and really make them understand that you know what
you can do, anything, you can sure come anything awesome.

Speaker 1 (32:53):
Well, thank you again for being here, and for the
rest of you guys, thank you for listening and or watching.
Do me a fair Please make sure that you guys
shared this message because definitely somebody needs to hear it.

Speaker 4 (33:03):
And I'll see you guys in the next episode. Thank you,
Thank you.

Speaker 5 (33:07):
Hi. I'm Caesara, a Spino real estate investor, business coach
and consultant and author of the book You Can Overcome
Anything Even when the World says No. My number is
four two four five zero one six zero four to six.
In my book, I talk about making the necessary changes
to shift your mind for prosperity and certainty. Pick up
your copy at Amazon. I also love helping families with
their real estate and can purchase your house fast and

(33:29):
all cash. Follow me on Instagram, Facebook and LinkedIn. My
number is four two four five zero one six zero
four six.

Speaker 4 (33:37):
Thank you for having me today. I am so glad
you've tuned into this podcast.

Speaker 1 (33:42):
You can find me at your favorite podcast platform where
you can like, subscribe, comment and share, and to learn
more about myself my services. You can find me at
www dot Caesararspino dot com, or you can also find
me at your social media. Thanks for joining me and
I am looking forward to having you at the next episode.

Speaker 4 (34:02):
And No, you truly can overcome anything.

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You Can Overcome Anything: Ep 303 - Overcoming Financial Struggles – Vera McCoy

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.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}You Can Overcome Anything: Ep 303 - Overcoming Financial Struggles – Vera McCoy