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Transcript

#HURDLEMOMENT: Essential Financial Tips For 2022 With 'The Budget Mom' Kumiko Love · Hurdle with Emily Abbate

0:00
Speaker 1: Let's make this the year that we finally start asking
0:04
Speaker 1: those hard questions about ourselves. What we are truly trying
0:08
Speaker 1: to accomplish with our money, Why we spend the money
0:11
Speaker 1: that we do, Why do we go into debt in
0:14
Speaker 1: the first place? Not just paying off debt, but understanding
0:18
Speaker 1: these deeper things that are happening inside of ourselves with
0:21
Speaker 1: their emotions, but not only that, giving ourselves permission to
0:25
Speaker 1: answer honestly.
0:41
Speaker 2: Hey everyone, Emily here coming to you from the AG Studio.
0:45
Speaker 2: You are listening to Hurdle a While on this Focus
0:48
Speaker 2: podcast where I connect with everyone from your favorite athletes
0:51
Speaker 2: to top experts and industry CEOs about their highest highs,
0:54
Speaker 2: toughest moments, and everything in between. We all go through
0:58
Speaker 2: hurdles in life, and my goal through these discussions is
1:00
Speaker 2: to empower you to better navigate yours and move with
1:04
Speaker 2: intention so that you can stride towards your own big
1:06
Speaker 2: potential and of course have some fun along the way.
1:11
Speaker 3: For Hurdle Moment, this.
1:12
Speaker 2: Week, I am bringing in a money expert and her
1:16
Speaker 2: name is Kmiko Love. You may recognize her because you
1:20
Speaker 2: follow her on social.
1:22
Speaker 3: One of her millions of followers.
1:24
Speaker 2: Over at the Budget mom or perhaps you're just a
1:27
Speaker 2: dedicated to hurdler because Comiko has been on the show before.
1:31
Speaker 2: The last time she came on, we talked all about
1:33
Speaker 2: financial wellness and we're back to do it together again
1:37
Speaker 2: in honor of the fact that Kamiko is launching her
1:40
Speaker 2: new book this week. The book is called My Money,
1:43
Speaker 2: My Way, and that is exactly what you're talking about.
1:46
Speaker 3: In today's Hurdle Moment episode.
1:48
Speaker 2: We are chatting about how to be smarter about your
1:51
Speaker 2: money in twenty twenty two. Like a lot of the
1:55
Speaker 2: gosh difficulties that we go through, right, nothing can be
1:58
Speaker 2: done until you admit to you yourself where you're at.
2:02
Speaker 2: Maybe you are navigating debt, maybe you want to get
2:04
Speaker 2: into investing, Maybe you want to be better about saving,
2:08
Speaker 2: maybe you want to be better at spending only cash.
2:11
Speaker 2: I mean, God, the financial goals, they are abundant. But
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Speaker 2: Kamiko says in today's episode that when you recognize where
2:17
Speaker 2: you're at, then you can really focus on where you
2:20
Speaker 2: want to go. We talk about her best practice tips
2:23
Speaker 2: for everything from.
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Speaker 3: Investing to budgeting.
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Speaker 2: I just was sitting here behind the microphone listening to
2:30
Speaker 2: her at moments, being like, you are such a wealth
2:33
Speaker 2: of knowledge, and I just felt excited, invigorated to bring
2:37
Speaker 2: it to all of you. So grateful for Kmiko's time again,
2:41
Speaker 2: excited for her new book, My Money, My Way. I
2:43
Speaker 2: will make sure to link to that in the show
2:45
Speaker 2: notes and let me know if you love this kind
2:48
Speaker 2: of content. I'm always thinking about different aspects of wellness,
2:51
Speaker 2: ones that you may not focus on so much. Here
2:54
Speaker 2: in the feed I want to be bringing you the
2:56
Speaker 2: stuff that you find helpful, the stuff that you really enjoy,
2:58
Speaker 2: So make sure to tag show over on social with
3:01
Speaker 2: that feedback. It's over at Hurdle podcast. I am over
3:04
Speaker 2: at Emily a Body, and I do want to say
3:07
Speaker 2: a huge thank you to everyone who has taken the
3:09
Speaker 2: time to or view the show over in Apple Podcasts
3:12
Speaker 2: or whatever you get your podcast. I've been seeing a
3:14
Speaker 2: lot of good stuff in there lately. Give it five stars.
3:17
Speaker 2: Show the world your love, your appreciation being a hurdler.
3:20
Speaker 2: It means the world. And I yeah, that's it, just
3:24
Speaker 2: a little love letter from me to you.
3:26
Speaker 1: That's it for now.
3:27
Speaker 3: With that, let's get to hurdling today.
3:41
Speaker 2: I am sitting down with Kamiko Love. She is a
3:44
Speaker 2: friend of the pod that are known to so many
3:47
Speaker 2: as the budget mom, how you doing today?
3:49
Speaker 1: Good?
3:50
Speaker 2: Doing good, doing good. I am amped to bring you
3:54
Speaker 2: back for a few reasons. The first reason, the first
3:56
Speaker 2: time you were on the show, I got so much
3:58
Speaker 2: great feedback, really appreciated all the tips that you had
4:02
Speaker 2: to give us about financial wellness. I'll make sure to
4:04
Speaker 2: link to that episode here in the show notes. But
4:07
Speaker 2: big news, you have a book coming out soon called
4:10
Speaker 2: My Money, My Way. How does it feel to be
4:14
Speaker 2: able to soon add author to all of your things?
4:18
Speaker 1: Well, it's overwhelming, for sure, and it's it's funny because
4:22
Speaker 1: I never believed in a million years that I would
4:25
Speaker 1: ever write a book. So funny fact about me, I
4:28
Speaker 1: actually don't enjoy writing. I you know, it's a I've
4:33
Speaker 1: never been a great writer. I've always been able to
4:37
Speaker 1: I'm much more of a speaker. Yeah, so when I like,
4:40
Speaker 1: I'm able to portray the emotion that I really want
4:43
Speaker 1: to connect with people through speaking rather than writing. So
4:46
Speaker 1: that definitely was a challenge. But I am so excited
4:49
Speaker 1: that it's finally here, it's done. And you know, writing
4:52
Speaker 1: a book is a big process. It's it takes a
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Speaker 1: really long time, and it's definitely something one of the
4:57
Speaker 1: hardest things I've ever done. But I'm so glad we
5:02
Speaker 1: did it. And I decided to do it because this
5:04
Speaker 1: is ultimately for you know, changing lives, and that was
5:07
Speaker 1: really the mission of the book. So I'm I'm just
5:10
Speaker 1: overwhelmed and excited.
5:11
Speaker 3: Wow.
5:12
Speaker 2: So you say it takes a long time for you,
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Speaker 2: When did you start this whole process?
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Speaker 1: So we started about a year and a half ago. Really, Yes,
5:20
Speaker 1: it was La Litla after the pandemic, when that really
5:23
Speaker 1: started firing up and we were going into our first lockdown.
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Speaker 1: And you know, for years, my community has been asking
5:30
Speaker 1: for a book, Miko, please put you know, all of
5:33
Speaker 1: this information that you've been giving us the last six years,
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Speaker 1: like in one place, put it in one place where
5:38
Speaker 1: I can I can find it. So but you know,
5:40
Speaker 1: after so many years of doing this, you know, I
5:43
Speaker 1: started back in twenty sixteen with the budget mom and
5:45
Speaker 1: kind of sharing my journey and so the content was
5:48
Speaker 1: kind of sporadically all over the place. And but what
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Speaker 1: I realized too is that, gosh, there was so much
5:54
Speaker 1: more I wanted to say where I felt like I
5:57
Speaker 1: needed to say things that I haven't really had the
6:00
Speaker 1: chance to really go into deep detail. On, and so
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Speaker 1: this book was my perfect opportunity to do that for you.
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Speaker 2: When you say I had so much more to say,
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Speaker 2: do you feel like it was almost bringing you into
6:12
Speaker 2: the things that you talk about a little bit more
6:14
Speaker 2: like providing a little bit more personal context, shedding some
6:18
Speaker 2: light on why these things matter so much to you.
6:21
Speaker 2: Because I would assume that you know a lot of
6:23
Speaker 2: people love your content because it is so digestible and
6:27
Speaker 2: easy to understand. It really breaks down a lot of
6:30
Speaker 2: things in a way that maybe they weren't thinking of
6:32
Speaker 2: it beforehand.
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Speaker 1: Yes, absolutely, one hundred percent. I this this writing this
6:37
Speaker 1: book was a self discovery journey on its own for sure,
6:42
Speaker 1: you know, and I really struggled for many I guess
6:44
Speaker 1: it helps really solidify what you are trying to say
6:48
Speaker 1: in a very clear way. Right. For example, I've been
6:51
Speaker 1: working on my financial journey for ten years and I
6:54
Speaker 1: discovered something this state of being, this state of feeling,
6:58
Speaker 1: and for so long I had a hard time figuring
7:02
Speaker 1: out what exactly do you call this? How do you
7:05
Speaker 1: define what I have found in my life? How do
7:09
Speaker 1: you even go about explaining this and defining it? So
7:13
Speaker 1: I really had to do this kind of self discovery
7:16
Speaker 1: and really get concise and specific about what I have
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Speaker 1: found in my own life and what I hope other
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Speaker 1: people find in their is after reading this book.
7:26
Speaker 2: Money is such an emotional thing, right, like your feelings
7:29
Speaker 2: around money, How we feel when we have it, how
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Speaker 2: we feel when we don't have it, how we feel
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Speaker 2: when we're worried about losing it. So many different, you know,
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Speaker 2: strong feelings tied to money and how we earn it
7:41
Speaker 2: and what we do with it and et cetera. So
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Speaker 2: I can totally relate to that, and it's interesting that
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Speaker 2: idea of I don't know what to call this stage
7:47
Speaker 2: when you get to a place where your financial health
7:50
Speaker 2: is just exactly where you hope for it to be,
7:52
Speaker 2: if not exceeding your expectations. I feel like the word
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Speaker 2: I would use to describe that is really just freedom.
8:00
Speaker 1: Yeah, you know, it's funny because we thought about using freedom,
8:03
Speaker 1: but for me, it was like, it's not just freedom,
8:07
Speaker 1: it was this peace of mind is what kept popping
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Speaker 1: up in my mind. Peace of mind, especially as a
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Speaker 1: single mom, something that I have been searching for for
8:18
Speaker 1: so long. But then I realize that it's all encompassing
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Speaker 1: in all aspect and areas of my life, from the
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Speaker 1: relationships that I have, to the decisions that I'm making
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Speaker 1: on a daily basis, to the perspective and the way
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Speaker 1: that I see things, to the change and the value
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Speaker 1: and how I value things in my life. It trickles
8:39
Speaker 1: into every aspect of your life. So it's not just
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Speaker 1: financial freedom. I really call it financial fulfillment. And that's
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Speaker 1: what we called it in the book, and that is
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Speaker 1: the end goal for every reader to accomplish and discover
8:54
Speaker 1: for themselves.
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Speaker 2: Love that financial fulfillment. On finding financial fulfillment, Oh it
9:00
Speaker 2: makes it gives me the chills. It it makes me
9:02
Speaker 2: want to find it. So on that topic, that's exactly
9:04
Speaker 2: what we're here to talk about today. Here we are
9:07
Speaker 2: January twenty twenty two, and we are thinking about, maybe
9:12
Speaker 2: in a way that we haven't thought in some time,
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Speaker 2: about priorities and budgeting and our finances.
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Speaker 3: And this is obviously exactly where you come in.
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Speaker 2: So I would love if we could unpack a few
9:25
Speaker 2: of your top tips and tricks for someone that is
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Speaker 2: really looking to find that fulfillment in the new year.
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Speaker 3: Where do we even begin?
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Speaker 1: So first we have to realize, you know, when most people,
9:37
Speaker 1: especially on starting a new year, we get all hyped
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Speaker 1: and excited about finally making progress with our financial goals
9:43
Speaker 1: and making all these these shifts and these tweaks and
9:45
Speaker 1: these changes in our lives to do better with our money.
9:48
Speaker 1: But what we really need to understand from the get
9:51
Speaker 1: go is one, this is not an overnight fix. This
9:54
Speaker 1: is a transformation, and that transformation starts and really begins
10:01
Speaker 1: with understanding yourself. A lot of time, we start this
10:06
Speaker 1: new year saying I want to save five thousand dollars
10:09
Speaker 1: or I want to pay off all of my debt. Right,
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Speaker 1: But that's the thing. Those are only the end goals.
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Speaker 1: Lasting financial change in your life does not start or
10:22
Speaker 1: end with hitting a specific goal. It happens when we
10:26
Speaker 1: can manage our finances well even after we have hit
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Speaker 1: our goal. And the only way to do that is
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Speaker 1: I am encouraging everybody, especially if we're going you know,
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Speaker 1: we're talking about new year changes with our finances. Instead
10:42
Speaker 1: of looking at as wanting to do better with our finances,
10:47
Speaker 1: Let's start it off as a journey of discovering more
10:51
Speaker 1: about ourselves. Let's make this the year that we finally
10:55
Speaker 1: start asking those hard questions about learning about ourselves. What
11:01
Speaker 1: we are truly trying to accomplish with our money, Why
11:05
Speaker 1: we spend the money that we do, Why do we
11:07
Speaker 1: go into debt in the first place, not just paying
11:10
Speaker 1: off debt, but understanding these deeper things that are happening
11:14
Speaker 1: inside of ourselves with their emotions, but not only that,
11:18
Speaker 1: giving ourselves permission to answer honestly, right, I ask. It's
11:23
Speaker 1: so funny because during this whole New year, knew you,
11:26
Speaker 1: which I really hate that saying, but I always say,
11:29
Speaker 1: new year, better you. It's not a new you, right,
11:32
Speaker 1: We're just improving and growing from the individuals that we
11:36
Speaker 1: were last year, right, which is such an important part
11:39
Speaker 1: of our story. We are not new you starting over.
11:43
Speaker 1: We are, in fact, using what we have learned in
11:45
Speaker 1: the past to be better anyway. So that's my little
11:48
Speaker 1: take on the whole New Year, New you. But really
11:52
Speaker 1: it comes down to making this the year that you
11:55
Speaker 1: discover and truly know who you are and answering that question,
12:00
Speaker 1: what the heck are you trying to accomplish with your money?
12:04
Speaker 2: No, I mean, that's an excellent question, and it's so
12:06
Speaker 2: interesting hearing you talk about the emotions that go hand
12:09
Speaker 2: in hand with finances because it rings true, also making
12:14
Speaker 2: me think about perhaps the emotions that go hand in
12:16
Speaker 2: hand with why we act a certain way, why we
12:19
Speaker 2: eat certain things. I mean, come on emotional eating and
12:22
Speaker 2: emotional spending to like very frequent and like.
12:26
Speaker 3: Popular topics of discussion.
12:28
Speaker 2: Here something that I can certainly relate with and something
12:31
Speaker 2: that you really do need to do a little bit
12:33
Speaker 2: of a work to uncover to understand why you do
12:36
Speaker 2: both things? What is going on in my life when
12:39
Speaker 2: I walk over to the fridge. For me, I've literally
12:42
Speaker 2: realized that every single time I sit down at my
12:45
Speaker 2: desk and I'm about to start like a really big project,
12:48
Speaker 2: I have a gut instinct to at first before I start,
12:51
Speaker 2: get up, walk to the fridge and like do a
12:53
Speaker 2: little investigation.
12:55
Speaker 1: Right. So, yeah, you know I call this hard the
12:58
Speaker 1: hard work of financial change. You know, this is beyond
13:02
Speaker 1: just the surface level solutions that we are all searching for.
13:06
Speaker 1: This is the actual deep crap that will actually cause
13:09
Speaker 1: lasting change in your life. And that's really what we're
13:12
Speaker 1: trying to accomplish. I know a lot of us say
13:14
Speaker 1: it's to invest, is to pay off debts, to save,
13:17
Speaker 1: but really we're all looking for something deeper, right, And
13:21
Speaker 1: I really do feel that to get to financial fulfillment,
13:25
Speaker 1: you need to first and foremost understand yourself. Because let's
13:29
Speaker 1: be honest, this journey starts with you. It starts with you,
13:33
Speaker 1: not your money, not the numbers, not your debt, not
13:36
Speaker 1: your income. It starts with you. That's where the change
13:40
Speaker 1: starts and really happens. And so I think that if
13:43
Speaker 1: we can change this, shift this conversation from I just
13:47
Speaker 1: want to accomplish paying off my debt, or I just
13:49
Speaker 1: want to save this much money, or I want to
13:51
Speaker 1: invest this instead, make it the year of really discovering
13:54
Speaker 1: who you are. It's funny I ask a lot of
13:56
Speaker 1: people who are just starting this journey like and going
13:59
Speaker 1: into your you know what makes you happy? What brings
14:03
Speaker 1: value to your life? And for so many people, they hesitate.
14:08
Speaker 1: They can't even truly answer that question. What makes you happy,
14:15
Speaker 1: what brings value to your life? And what are you
14:17
Speaker 1: truly trying to accomplish with your money. Some people even
14:20
Speaker 1: get afraid to say what they truly want out loud
14:25
Speaker 1: because it doesn't fit the mold that we have been
14:28
Speaker 1: given that define success and value for everybody else in
14:32
Speaker 1: ourselves right it kind of been so they get they
14:35
Speaker 1: start to doubt themselves, like am I really supposed to
14:38
Speaker 1: want that? Like is that something that I Is it
14:41
Speaker 1: okay to dream that day? Or is it okay? You know,
14:43
Speaker 1: they start to doubt themselves. But I'm telling you, once
14:47
Speaker 1: you understand yourself and find financial fulfillment, it won't matter.
14:51
Speaker 2: The first step here acknowledging where you're at, being honest
14:55
Speaker 2: with yourself about what's actually happening, so that you can
14:58
Speaker 2: get or better understand of the current situation and figure
15:02
Speaker 2: out and better articulate where you want to go. What's
15:05
Speaker 2: the next step that you would recommend to someone on
15:08
Speaker 2: their journey for financial fulfillment.
15:11
Speaker 1: Sonny to ask themselves why are they on this journey
15:13
Speaker 1: in the first place? And I call this finding your
15:17
Speaker 1: why or your purpose? Now, this is this is something
15:20
Speaker 1: you know, I think everyone kind of gets to this
15:22
Speaker 1: point in their life where it's like that initial push
15:25
Speaker 1: to cause and spur change, you know, whether some people
15:28
Speaker 1: call this rock bottom, you know, getting maybe your car repossessed,
15:31
Speaker 1: or getting into so much credit card debt where you're
15:33
Speaker 1: having a hard time paying the bills. It's getting to
15:36
Speaker 1: this point in your life where you're like, I don't
15:39
Speaker 1: want to live this way anymore. I deserve something better.
15:44
Speaker 1: I want something more, And so really that initial push
15:48
Speaker 1: and spur for change in our lives with our finances
15:51
Speaker 1: is what I call finding your why. Why the heck
15:54
Speaker 1: are you doing this? For instance, why is people here
15:57
Speaker 1: listening to this podcast? There's a reason, right, We need
16:00
Speaker 1: to identify that reason. The next step everyone needs to
16:03
Speaker 1: do is bring awareness into their lives. You cannot change
16:07
Speaker 1: what you do not know. Period. I know there are
16:10
Speaker 1: a lot of people out there that say, oh, tracking
16:12
Speaker 1: you're spending is a waste of time. It actually works
16:15
Speaker 1: against you because you're spending too much time tracking and
16:18
Speaker 1: not enough time doing the actual work. I think it's
16:20
Speaker 1: all bull crap. You need to track your spending period.
16:24
Speaker 1: It takes work, yes, it takes time, yes, But that
16:28
Speaker 1: time and effort and work is worth it because until
16:32
Speaker 1: you know your starting place, you can't have change because
16:36
Speaker 1: you can't change what you don't know. The next thing
16:38
Speaker 1: I really tell people that next step is awareness. As
16:43
Speaker 1: scary as it might be sometimes and we may not
16:46
Speaker 1: want to look at it in the face, but we
16:48
Speaker 1: have to. And I'm telling you know, there's a lot
16:51
Speaker 1: of people out there who have anxiety and fear around
16:55
Speaker 1: looking at where their money is really going, like I
16:57
Speaker 1: don't want to know, right, But the truth is, I
17:01
Speaker 1: promise you now, when you first initially look at it, yes,
17:05
Speaker 1: you might feel sad, you might feel scared, you might
17:08
Speaker 1: even feel like, geez, I'm never gonna get through this.
17:13
Speaker 1: After a while, that all kind of subsides because finally,
17:17
Speaker 1: for the first time, you understand the mountain you have
17:20
Speaker 1: to climb, and that awareness all of a sudden turns
17:24
Speaker 1: from fear into the excitement of knowing, Okay, this is
17:29
Speaker 1: where I'm starting. But you know what, I know exactly
17:32
Speaker 1: what I have to tackle now. I know exactly what
17:34
Speaker 1: is happening, what's going on. It's always scarier to be
17:38
Speaker 1: in the unknown than it is the known. That's kind
17:40
Speaker 1: of my motto, right, not.
17:42
Speaker 2: Just as you said, articulating the emotions behind what's going on,
17:45
Speaker 2: but then really getting into the nitty gritty of what
17:48
Speaker 2: is actually happening. So we have this person, they are
17:52
Speaker 2: taking ownership. They are like ready to get really uncomfortable.
17:56
Speaker 2: A question that you probably get often, and I know
17:59
Speaker 2: that you have some tools on your website and via
18:01
Speaker 2: your Instagram and your social platforms, is what should I
18:04
Speaker 2: be using.
18:05
Speaker 3: To keep track of all this stuff.
18:06
Speaker 1: Yes, it is a lot, right, it does seem kind
18:08
Speaker 1: I know. I still get people who come to my Instagram.
18:11
Speaker 1: They look in at all this stuff and they're like, oh,
18:12
Speaker 1: this is so overwhelming. It's true. There's a lot of
18:16
Speaker 1: information being thrown at us once we start doing this work,
18:21
Speaker 1: and so you may not think about it this way.
18:23
Speaker 1: But organization and finances go hand in hand. Okay, they
18:29
Speaker 1: go together. A lot of people do not think about
18:32
Speaker 1: organization when they start talking about their finances, but it
18:34
Speaker 1: is pivotal from the workspace that you work in when
18:38
Speaker 1: you're sitting down looking over your budget or working through
18:41
Speaker 1: your financial routine. From the way that we decide to
18:44
Speaker 1: organize this information that we're discovering, our spending, our debt,
18:48
Speaker 1: our savings, are investing. So organization is a huge part. Now.
18:53
Speaker 1: I am a huge believer you have to do what
18:56
Speaker 1: works best for you one hundred percent. This is why
18:58
Speaker 1: my book is called My Money, My Way. Okay, me personally,
19:02
Speaker 1: I track my spending manually. Okay, Like you said, you
19:05
Speaker 1: use a spreadsheet sometimes that's easier for people. For me, though,
19:10
Speaker 1: my spending became very real and very tangible in my life.
19:15
Speaker 1: When I could write it down and see it on paper,
19:17
Speaker 1: that was just me. That's how it clicked in my head.
19:20
Speaker 1: So I track all my spending. I spend about five
19:23
Speaker 1: to ten minutes every morning tracking my spending from the
19:26
Speaker 1: day before. I use a printed out expense tracker that
19:30
Speaker 1: is in my budget by Paycheck workbook, and I use
19:33
Speaker 1: the highlighter method. Something that I discovered on my journey
19:36
Speaker 1: is one of the things that you also have to
19:38
Speaker 1: discover for yourself is what kind of learner are you
19:41
Speaker 1: and what are the things that motivate you on your
19:46
Speaker 1: financial journey? And I noticed for me that's visual tools.
19:51
Speaker 1: I am a visual learner. So by writing my expenses
19:54
Speaker 1: out using the highlighter method to highlight all my separate categories,
19:59
Speaker 1: for me, that was very therapeutic, but not only that,
20:03
Speaker 1: it helped me visually to really understand the big picture
20:07
Speaker 1: which was happening with my finances and it's very motivating.
20:10
Speaker 1: So that's how I currently do it.
20:13
Speaker 2: Yeah, I mean two things is double click on here.
20:15
Speaker 2: You said the highlighter method. Do you want to talk
20:17
Speaker 2: a little bit about what that is?
20:18
Speaker 1: Yes, So the highlighter method is essentially assigning a different
20:23
Speaker 1: highlighter color for every category in your budget. Okay, this
20:28
Speaker 1: happens during the process of tracking your spending. When you
20:32
Speaker 1: first start, A lot of people see these lists of
20:34
Speaker 1: all this spending. They're like, what do I do with
20:36
Speaker 1: all of this? The first thing is highlighting all the
20:40
Speaker 1: like transactions. We're going through on how to create budget
20:44
Speaker 1: categories in your life. We're getting to how you organize
20:47
Speaker 1: this information. So if you start highlighting, like all your
20:51
Speaker 1: food purchases in blue, all your clothing purchases in pink,
20:55
Speaker 1: all your car and gas purchases in green. Once you
20:58
Speaker 1: start doing this through your spend, all of a sudden,
21:01
Speaker 1: you just organized all of your spending into your own
21:04
Speaker 1: unique budget categories without even knowing it right, And then
21:08
Speaker 1: once you have that, you can really tweak and perfect,
21:10
Speaker 1: like maybe I don't want my eating out in my
21:13
Speaker 1: food budget, maybe I need to separate out because that's
21:16
Speaker 1: a problem spending area for me. So you really, it's
21:19
Speaker 1: just a way, a process, a visual process of organizing
21:24
Speaker 1: all of this content totally.
21:27
Speaker 2: And I can seriously relate with you on being a
21:31
Speaker 2: visual person. I remember back years and years ago when
21:35
Speaker 2: I was going through a major weight loss. I hung
21:39
Speaker 2: up a pair of genes that didn't fit just yet
21:42
Speaker 2: on the back of my bathroom door, and I would
21:45
Speaker 2: walk by them all of the time, and for me,
21:48
Speaker 2: seeing those genes there helped me stay motivated and remember
21:52
Speaker 2: why it was that I was getting up early. Aside from,
21:56
Speaker 2: of course, so many of the mental benefits that can
22:00
Speaker 2: hand in hand with working out and really working on
22:04
Speaker 2: that inner dialogue and the way that I talk to myself.
22:08
Speaker 2: I would walk by those genes all the time and
22:11
Speaker 2: be like, this is it, Like this is there? They
22:13
Speaker 2: are here, I am here, I go, I can do this.
22:16
Speaker 3: I've got this.
22:17
Speaker 2: So many of these emotions that go hand in hand
22:20
Speaker 2: with finances, I think we can all really relate to
22:24
Speaker 2: definitely circulate in other areas of our lives.
22:27
Speaker 1: Yeah, exactly. It's a constant reminder of what you are
22:30
Speaker 1: fighting for, right And that's what the visual like the
22:34
Speaker 1: visual trackers and the visual tools I use in my finances,
22:37
Speaker 1: That's exactly what it is. It's a daily reminder of
22:41
Speaker 1: I am fighting for a life with my son where
22:45
Speaker 1: I can seize opportunities without relying on debt.
22:50
Speaker 2: That is my why I was going to say, So,
22:52
Speaker 2: that's like your mission statement, like that is why you
22:55
Speaker 2: do all of these things.
22:56
Speaker 1: Everything I do every single day is for my child
23:02
Speaker 1: and the life that I want to live with him. Because,
23:06
Speaker 1: you know, one of the things I talk about in
23:07
Speaker 1: the book is kind of my financial philosophy of truly
23:10
Speaker 1: finding this balance between living your life now while still
23:15
Speaker 1: taking care of your your future self and your goals
23:18
Speaker 1: that you're wanting to accomplish. Right, it's really we get
23:20
Speaker 1: to there's a big debate out there, you know, do
23:23
Speaker 1: you live your life now because life is short, or
23:26
Speaker 1: do you, you know, make sure that you can have
23:28
Speaker 1: everything you want in retirement. Right, It's not an either
23:32
Speaker 1: or you can do both. And I am a big
23:36
Speaker 1: believer that life is too short. I have been blessed
23:39
Speaker 1: with one life with my child. One that's all I get.
23:44
Speaker 1: I will never get these moments back, My son will
23:47
Speaker 1: never be nigh again. This is my time now to
23:51
Speaker 1: live this life that I want to with him. This
23:54
Speaker 1: is what I'm fighting for. You know, this is the
23:57
Speaker 1: emotional connection that you you need to find with your
24:01
Speaker 1: purpose to really create that motivation and self discipline in
24:05
Speaker 1: your life to get there.
24:11
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25:46
Speaker 3: Do you have any.
25:47
Speaker 2: Advice or recommendations for someone who wants to work on
25:50
Speaker 2: creating their own personal financial statement?
25:53
Speaker 1: Absolutely? Make sure that it's something that you can visualize. Okay,
25:58
Speaker 1: So this is something where you need to attach a picture.
26:01
Speaker 1: I think it's really a lot easier when we can
26:05
Speaker 1: visualize where we are trying to go assign a picture
26:09
Speaker 1: to that we can we can hear it, we can
26:11
Speaker 1: feel it, we can see it. Right, it's all encompassing.
26:15
Speaker 1: The next thing is really asking yourself to make it specific.
26:20
Speaker 1: So when I first started my journey, my why was
26:24
Speaker 1: to pay off debt. Well, then I had to ask
26:27
Speaker 1: myself why do I want to pay off debt? And
26:31
Speaker 1: not not only that, I had to ask myself, Okay,
26:34
Speaker 1: if I pay off my debt, what does this mean
26:37
Speaker 1: for me?
26:37
Speaker 2: Here?
26:38
Speaker 1: What am I? What am I truly trying to get at?
26:40
Speaker 1: So I had to ask well, why, well why over
26:44
Speaker 1: and over and over again till I kind of honed
26:47
Speaker 1: down this really specific, like the deep route of why
26:51
Speaker 1: I was trying to accomplish what I wanted right, and
26:54
Speaker 1: so over time, my like over years, my purpose, this
26:58
Speaker 1: mission statement kind of changed evolved into something a lot
27:02
Speaker 1: bigger than myself. Your mission statement, when I call it
27:08
Speaker 1: your why, should be something that is so important to
27:13
Speaker 1: you you get emotional speaking about it. I know a
27:17
Speaker 1: lot of people are afraid to bring emotions into finances
27:20
Speaker 1: because they believe that ultimately it can hurt you rather
27:23
Speaker 1: than help you. But that's only if your emotions control you.
27:27
Speaker 1: What happens when we can control our emotions and use
27:32
Speaker 1: them to our advantage. I cannot tell you how powerful
27:36
Speaker 1: it is to feel something so deeply for wanting a
27:42
Speaker 1: change in your life and fighting for something that's so
27:44
Speaker 1: much bigger than yourself. How powerful that is. And so
27:50
Speaker 1: it needs to be visual, it needs to be specific,
27:53
Speaker 1: and you need to keep asking the question, well why, well,
27:57
Speaker 1: why don't just start and keep at that surface level goal?
28:02
Speaker 1: Because your mission statement is not a goal. This is
28:05
Speaker 1: not a goal, okay, it's more of a state of living,
28:11
Speaker 1: a state of being. It's something deeper, something bigger, and
28:15
Speaker 1: so there is no there's like no finish line. Like
28:18
Speaker 1: a goal has a finish line. Once you reach it,
28:20
Speaker 1: you hit that goal right, not with your why, not
28:23
Speaker 1: with your mission statement. It's something that lives on forever.
28:26
Speaker 1: It's something that you're constantly trying to work and be
28:30
Speaker 1: better at and fight for. And that's why in the
28:34
Speaker 1: end of the book I talk about how there is
28:36
Speaker 1: no finish line with our finances at the end of
28:40
Speaker 1: twenty twenty two. Right, It's not like you're finally going
28:45
Speaker 1: to get there and be like, oh, I'm done, I
28:47
Speaker 1: made it. It's finally over now all my dreams come true.
28:51
Speaker 1: I'm sorry, but that's not how it works. If money
28:54
Speaker 1: is in your life, if you are getting it, if
28:55
Speaker 1: you are spending it, if you are managing it, there
28:58
Speaker 1: is no finish line here. It's all about growing and
29:03
Speaker 1: motivating and tweaking. And like I said, this is a transformation,
29:07
Speaker 1: a self discovery of transformation that transforms the rest of
29:11
Speaker 1: our lives.
29:13
Speaker 3: I am hyped right now.
29:14
Speaker 2: I just mentally drafted up the email where I follow
29:18
Speaker 2: up with you and your team after we get off
29:20
Speaker 2: of this and think about like how we should be
29:22
Speaker 2: doing this every other month and like what.
29:24
Speaker 3: We need to focus on.
29:25
Speaker 2: And I'm just I am lit because it's so right,
29:29
Speaker 2: and I mean, your passion is so clear and so
29:32
Speaker 2: vibrant and so wonderful, and it's so exciting to speak
29:38
Speaker 2: with someone who truly feels as though they are acting
29:42
Speaker 2: in purpose on purpose, and to hear you speak about
29:47
Speaker 2: the evolution of defining your why. That is truly something
29:52
Speaker 2: that so many people that are listening to this right
29:54
Speaker 2: now can really really relate to.
29:57
Speaker 3: And it's really special.
29:58
Speaker 1: It's unfortunate because oftentimes is a step that a lot
30:01
Speaker 1: of people skip, right. So lot, I mean we go,
30:05
Speaker 1: we dive, We start diving right into the numbers, right,
30:07
Speaker 1: we start diving into the spreadsheets, writing numbers down on
30:09
Speaker 1: a piece of paper, of trying to figure out our budgets,
30:11
Speaker 1: and we skip the most important step, and that is
30:15
Speaker 1: truly discovering your purpose. And that is what's going to
30:19
Speaker 1: motivate you, which is then going to lead to the
30:21
Speaker 1: self discipline you need to get where you want to go.
30:24
Speaker 2: Well, it's also you know, whenever you set a new
30:27
Speaker 2: goal or say that you want to do something, if
30:28
Speaker 2: you don't take that inventory to ask yourself, like, why
30:31
Speaker 2: is this specific thing important to me? Because in today's
30:35
Speaker 2: society where it is so easy to pick up your
30:39
Speaker 2: phone and scroll and within second see someone that's doing
30:41
Speaker 2: something that looks really cool, and then all of a
30:43
Speaker 2: sudden you're like, maybe I should be doing this cool thing,
30:45
Speaker 2: And then you start looking into how you should be
30:47
Speaker 2: doing this cool thing without stopping and taking a polse
30:51
Speaker 2: check and.
30:52
Speaker 3: Being like, is this something I truly want? Or do
30:56
Speaker 3: I just want it because it looks flashy and shiny
30:58
Speaker 3: on Instagram?
30:59
Speaker 1: Exactly? You know, that's the thing. Until you can create
31:03
Speaker 1: a plan written by you for you, you will always
31:07
Speaker 1: depend on someone else to define value and success in
31:11
Speaker 1: your life. And what that leads to, Oh my gosh,
31:14
Speaker 1: it's a big black hole. You know, you are self comparison,
31:17
Speaker 1: You are doubting yourself. Do I really want this?
31:22
Speaker 3: You know?
31:22
Speaker 1: Like you said, like is this really what I truly want?
31:26
Speaker 1: And what I found? For financial fulfillment? There are three
31:31
Speaker 1: things pivotal things clarity, stability, and confidence. If you can
31:41
Speaker 1: find those three three things in your life, Honestly, I
31:46
Speaker 1: truly believe you can find financial fulfillment and once that happens,
31:52
Speaker 1: it won't matter what anyone else is doing, because you
31:56
Speaker 1: have defined success and value for yourself, and all of
32:01
Speaker 1: a sudden, when you look around, you're like, well, dang,
32:05
Speaker 1: I'm not saving that much money, or I'm not paying
32:08
Speaker 1: off that much debt. I'm never gonna get there. I
32:10
Speaker 1: don't make as much as them. All of a sudden,
32:13
Speaker 1: it won't matter, because you have to find success for yourself.
32:18
Speaker 1: And I think that's it's really easy. You know, when
32:20
Speaker 1: I first started this journey, it's really easy to get
32:23
Speaker 1: online when you're desperately searching for change, to rely on
32:27
Speaker 1: someone else's method and steps and what they're trying to
32:31
Speaker 1: accomplish and what they say is important for you to
32:34
Speaker 1: accomplish in your life with your finances because we don't
32:37
Speaker 1: really know that next step. We're not really sure what
32:40
Speaker 1: we're supposed to want, right, I'm not really sure what
32:44
Speaker 1: that next step is that we need to take. But
32:47
Speaker 1: I'm telling you, once you go through this book and
32:49
Speaker 1: you work through those steps and you go to the
32:52
Speaker 1: you know and find these three things of financial fulfillment,
32:55
Speaker 1: you'll know. And I think that's really what makes financial
33:00
Speaker 1: fulfillment so different, is this confidence knowing in our heart
33:06
Speaker 1: and our gut as individuals that our goals and values
33:11
Speaker 1: are unique, and that's okay. That's what it's supposed to be.
33:16
Speaker 1: You know, when I came out and said I was
33:17
Speaker 1: going to buy my house with cash, I was called
33:20
Speaker 1: every name under the book, dumb, idiot. I shouldn't be
33:24
Speaker 1: a money expert because I'm giving horrible advice. I should
33:27
Speaker 1: be investing the money instead, I'm losing out all this
33:30
Speaker 1: compound interest. But you know what, it didn't matter because
33:35
Speaker 1: I knew in my heart I was making the best
33:39
Speaker 1: financial decision for me and my family and my unique
33:42
Speaker 1: goals and what I was trying to accomplish with my life.
33:45
Speaker 1: Sometimes it doesn't matter if it makes number sense, you
33:50
Speaker 1: know what I mean. Sometimes it comes down to peace
33:55
Speaker 1: of mind, and that's something we can't put a value on.
33:59
Speaker 1: And that's what I was really fighting with my journey.
34:02
Speaker 1: And so you know, my money, my way is giving
34:05
Speaker 1: yourself permission to say, you know what my wants, values
34:09
Speaker 1: and goals are unique to me, and that's okay, And
34:12
Speaker 1: I'm going to fight like heck to get there.
34:15
Speaker 3: I'm going to fight like heck to get there.
34:16
Speaker 2: You said a buzzword that I want to touch on
34:20
Speaker 2: before I let you go today, and that buzzword is
34:22
Speaker 2: stability for many people who are you know, they're in
34:26
Speaker 2: this work now, they've recognized that they are willing to
34:30
Speaker 2: make a change. Maybe they're at the point where they've
34:32
Speaker 2: already articulated their why. They've got the sheets, they've got
34:36
Speaker 2: the highlighters, they're making progress on their journey.
34:39
Speaker 3: They want to think about stability.
34:41
Speaker 2: What do you tell these people in terms of either
34:46
Speaker 2: I would say a budgeting tip or thinking long term
34:50
Speaker 2: about how they can find a little bit of that
34:53
Speaker 2: stability when things do feel a little bit hectic.
34:57
Speaker 1: Absolutely, stability lives outside of just your emergency fund. Okay,
35:01
Speaker 1: I'm going to say that right now. I know a
35:03
Speaker 1: lot of financial experts say your emergency funds all you need,
35:07
Speaker 1: because unexpected things happen. An emergency fund is not enough.
35:11
Speaker 1: And the reason I say that is because it's only
35:14
Speaker 1: one option. Right. What brings stability to our lives? Options?
35:20
Speaker 1: And so I teach people in the book, and I've
35:22
Speaker 1: been teaching it for years, what are some ways that
35:25
Speaker 1: we can create some other options in our lives to
35:28
Speaker 1: take care of expenses or maybe unplanned or unexpected expenses
35:33
Speaker 1: that pop up, Because really that's what gives us the anxiety,
35:35
Speaker 1: right when we can't pay for things, or maybe we
35:38
Speaker 1: lose some income, maybe a spouse loses their jobs. It's
35:43
Speaker 1: how do we create options without being backed into our
35:46
Speaker 1: corner to only use debt or emergency fund to pay
35:49
Speaker 1: for things. It's like creating a miscellaneous category in your budget.
35:55
Speaker 1: This is what I use for unplanned unexpected expenses between
35:59
Speaker 1: my pay periods. Why because sometimes in life, unplanned unexpected
36:05
Speaker 1: expenses pop up that don't fit into the category of
36:08
Speaker 1: using our emergency fund. Right, your emergency fund should be
36:12
Speaker 1: for true emergencies, but that's not real life. Those are
36:15
Speaker 1: the only expenses that pop up. Let's be real. You know,
36:18
Speaker 1: girlfriend calls and says, hey, Miko, I'm in town. I
36:21
Speaker 1: haven't seen you in a year. I'd love to see you.
36:24
Speaker 1: Or it's your child coming to you saying Mom, I've
36:26
Speaker 1: forgot to tell you that I have this birthday party tomorrow,
36:30
Speaker 1: or it's your mom saying I'm gonna be in town.
36:32
Speaker 1: I'd love to get together with you all.
36:34
Speaker 3: These or like an injury right right right.
36:38
Speaker 1: Exactly, you know, like real life people, Okay, and that
36:42
Speaker 1: lives outside of just our emergency funds. And then so
36:46
Speaker 1: my miscellaneous envelope cash envelope. The category my budget is
36:50
Speaker 1: an option I created for myself my checking account cushion
36:55
Speaker 1: as an all cash spender. I realize that sometimes I'm
36:58
Speaker 1: gonna do online shopping mm hmm. I realized that sometimes
37:02
Speaker 1: a bill might be bigger than what I expected it
37:05
Speaker 1: to be, right, So having that cushion in there gives
37:09
Speaker 1: me peace of mind knowing I don't have to worry
37:10
Speaker 1: about overdraft fees, and I have a little bit of
37:14
Speaker 1: a backup cushion to possibly use maybe in an instant
37:19
Speaker 1: or scenario that pops up in my life. This is
37:23
Speaker 1: about ultimately giving ourselves a little bit of wiggle room,
37:26
Speaker 1: because I do realize there are times where we are
37:29
Speaker 1: living on really strict budgets. Right A lot of people
37:33
Speaker 1: are living paycheck to paycheck. So it's looking at our
37:37
Speaker 1: spending and our budget and figuring out, okay, where do
37:40
Speaker 1: where do I have a little bit of wiggle room
37:42
Speaker 1: where I could create possibly some more options, like sinking funds,
37:47
Speaker 1: saving for a holiday or event you are constantly pressured
37:50
Speaker 1: to use a credit card. There's so many little options
37:53
Speaker 1: that we could create to give us options which then
37:56
Speaker 1: lead to a little bit more stability. Taking care and
38:00
Speaker 1: being prepared for the unknown.
38:03
Speaker 2: Yeah, yeah, And I mean I feel like I learned
38:06
Speaker 2: a lot about that, especially when I went out and
38:09
Speaker 2: started being a contractor or freelancer, being my own boss
38:13
Speaker 2: all the time. One of the biggest, most frequent questions
38:16
Speaker 2: that I get from other individuals who are interested in
38:19
Speaker 2: being an entrepreneur and going out on their own is
38:22
Speaker 2: were you anxious about the lack of stability? And the
38:25
Speaker 2: answer to that question is, of course yes. But when
38:29
Speaker 2: you're going out and being an entrepreneur and trying to
38:32
Speaker 2: find all these new opportunities, is up to you to
38:34
Speaker 2: figure out what that new version of stability looks like.
38:38
Speaker 2: Because stability for Emily when she worked at Conde Nast
38:42
Speaker 2: and someone else was giving her a paycheck every other week,
38:44
Speaker 2: was just that. It was the paycheck every other week. Now,
38:47
Speaker 2: my stability threshold, or my view on stability.
38:51
Speaker 3: It's a little bit different.
38:52
Speaker 2: But I do have things that I have since put
38:54
Speaker 2: in place since going on on my own that make
38:57
Speaker 2: me know, Hey, you're going to be okay, no matter
38:59
Speaker 2: what's that's going on here, no matter if our relationship shifts,
39:02
Speaker 2: of us sponsor doesn't want to be on the show anymore,
39:04
Speaker 2: whatever happens here. You have done so many things XYZ
39:08
Speaker 2: whatever to set yourself to be okay, for I would
39:12
Speaker 2: love to actually to hear your advice, perhaps for anyone
39:14
Speaker 2: who may be interested in making a similar shift.
39:17
Speaker 1: Yeah. Absolutely, you know, I will be very honest. Leaving
39:21
Speaker 1: my full time job where I spent the last seven
39:24
Speaker 1: years studying and getting designations and getting accreditations and all
39:28
Speaker 1: these things. Leaving all that behind and working for myself
39:32
Speaker 1: was the scariest thing I have ever done. I am
39:34
Speaker 1: not going to lie. It took me a year and
39:37
Speaker 1: a half to finally pull the plug and actually go
39:41
Speaker 1: ahead and go through with it, because it's training, right, oh, planning. Absolutely.
39:46
Speaker 1: There was a year where I had to For me
39:50
Speaker 1: that stability meant savings, okay. I wanted to have a
39:55
Speaker 1: significant amount saved because, like you said, when you are
39:58
Speaker 1: an entrepreneur, your income is not guaranteed. Okay, it's not
40:03
Speaker 1: like working at eight to five where you are guaranteed
40:05
Speaker 1: a W two paycheck. And that's what, like you said,
40:07
Speaker 1: gives us that stability. So for me, like you said,
40:12
Speaker 1: I had to shift that and my stability meant now
40:14
Speaker 1: having a savings plan in place in case my business
40:19
Speaker 1: didn't make money, and still to this day that you know,
40:25
Speaker 1: varying income in entrepreneurship is still very real and very scary.
40:31
Speaker 1: But I think I think that because you know, I'm
40:34
Speaker 1: not gonna lie. There are some days where I'm like,
40:37
Speaker 1: what if my business just no longer exists? I think
40:40
Speaker 1: about that all the time, right, because my business now
40:44
Speaker 1: is not just taking care of me, it's taking care
40:46
Speaker 1: of my kiddo, and that is what's scary. And so
40:51
Speaker 1: I think that one is planning, making sure that you
40:55
Speaker 1: have a plan in place to maybe take care of
40:59
Speaker 1: some of that fluctuation that you're seeing with income. But
41:03
Speaker 1: not only that. I had to have a very specific
41:07
Speaker 1: business plan in place before I felt comfortable leaving my job.
41:11
Speaker 1: And what that looked like was, you know, understanding my
41:18
Speaker 1: business spending because it is very for me. I felt
41:22
Speaker 1: like it was a little bit different than my personal spending.
41:25
Speaker 1: And so it was learning kind of how to tackle
41:29
Speaker 1: business finances from the very beginning, kind of like relearning.
41:34
Speaker 1: And so I spent a year building this business plan,
41:37
Speaker 1: like these are the expenses I'm willing to accept with
41:40
Speaker 1: the business. This is where our income is coming from. Okay,
41:43
Speaker 1: this is where I'm gonna throw this income. Like I
41:46
Speaker 1: had to have like all these buckets, savings, buckets of like, hey,
41:50
Speaker 1: this is for product production, this is for you know, marketing,
41:54
Speaker 1: this is for I kind of had to learn all
41:56
Speaker 1: this as I went along. So I think that my
41:58
Speaker 1: number one tip is first to figure out what's happening
42:03
Speaker 1: with your business as far as income and expenses, but
42:06
Speaker 1: then figure out really what's realistic when it comes to
42:11
Speaker 1: leaving your full time job and working for yourself as
42:14
Speaker 1: far as creating that stability in your life. I have
42:18
Speaker 1: a lot of people who jump the gun and they
42:20
Speaker 1: go out and work for themselves and they realize, well,
42:23
Speaker 1: my business just isn't making enough, right, So it's kind
42:27
Speaker 1: of giving yourself time to realistically assess that jump.
42:33
Speaker 2: Yeah, really thinking about it before just going on on
42:35
Speaker 2: a whim. I feel like, you know, there's so many
42:38
Speaker 2: people you will hear that say something like just trust
42:41
Speaker 2: your gun, like it'll be fine, and like I do
42:43
Speaker 2: feel as though, like when you're literally between a rock
42:46
Speaker 2: and a hard place, like more often than not, you're
42:48
Speaker 2: going to figure out how to make it fine. But
42:50
Speaker 2: from an emotional pov from like an anxiety pov I believe,
42:56
Speaker 2: and I was just like you that if you put
42:58
Speaker 2: a certain amount of things in place and really think
43:01
Speaker 2: about where it is that you're going again, going back
43:04
Speaker 2: to that, why then that is the way to set
43:07
Speaker 2: yourself up for success when it comes to perhaps taking
43:11
Speaker 2: that step and going out and going out on your own.
43:13
Speaker 3: Wow, so much good stuff within here.
43:15
Speaker 2: I literally feel like I could just like talk to
43:17
Speaker 2: you for another hour and again this.
43:19
Speaker 3: Email is already mentally drafted in my mind, so stay
43:22
Speaker 3: tuned for that.
43:23
Speaker 2: But so amped about all these tips, so excited to
43:26
Speaker 2: just connect with you and hear about your passions and
43:29
Speaker 2: everything that you've got going on. Why don't you fill
43:32
Speaker 2: us in one last time here? How do the hurtlers
43:34
Speaker 2: follow along with you? How do they keep up with you?
43:37
Speaker 2: Give me all of your details?
43:39
Speaker 1: Yes, so you can find me every day over on Instagram.
43:42
Speaker 1: This is where I share my real numbers, my real
43:44
Speaker 1: journey at the budget mode on Instagram. You can also
43:48
Speaker 1: follow us on YouTube where we have a ton of
43:51
Speaker 1: just in depth video tutorials on walking through my philosophy,
43:55
Speaker 1: my budget by paycheck method, creating a plan of attack
43:59
Speaker 1: for your debt, your safe and investing goals, and then Also,
44:02
Speaker 1: you can order my new book, My Money, My Way,
44:06
Speaker 1: taking back control of your financial life at the budgetmom
44:09
Speaker 1: dot com forward slash My Money, My Way.
44:12
Speaker 3: We love it.
44:13
Speaker 2: I am over at Hurdle Podcasts and at Emilybody Another
44:17
Speaker 2: hurdle conquered.
44:18
Speaker 3: Catch you guys next time.