Latest / The Curve / RTC82: The Millionaire’s Wife: Freedom, feminism and $80 lattes.

Transcript

RTC82: The Millionaire’s Wife: Freedom, feminism and $80 lattes. · The Curve

0:00
Welcome to Raising the Curve, a podcast designed to teach you everything you need to know
0:05
to be better with your money.
0:07
And the wise words of Amy Schumer were slipping carrots into the brownie recipe.
0:11
I don't really get the saying.
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It's kind of like eating vegetables that actually taste good.
0:17
You know, I'm like, still not ready to eat.
0:19
Are you on the script?
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It's basically like saying, investing in finance can be boring, but it totally doesn't
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need to be.
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Okay, okay.
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So we're making it fun by putting the carrot.
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Okay, the vegetables are just good for you.
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It's the brownie recipe.
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Okay, we got there.
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We got there.
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Okay.
0:38
Well, you've really got to finance me.
0:39
Yeah.
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One of us has to.
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This is a joke.
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Okay.
0:43
Come and learn alongside me from Vick Harris, ex-fun manager where I'm going to ask all
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the questions that you wish you could.
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And I'm going to be eating all the brownie you wish you could.
0:51
No, it's so not the joke, Vick.
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Okay, just come and talk and learn and laugh with us because together we really
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can raise the curve.
1:01
So we put a little poll.
1:03
I love a little poll.
1:04
Yeah, put a poll out on our socials recently about whether we should release
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this episode.
1:09
And it was contentious within the curve team, wasn't it?
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Yes.
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So we did this interview a couple of months ago.
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We had it.
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We've been like sort of sitting on it for a while.
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Not really sure what to do with it.
1:20
It was a super interesting conversation and something that we kind of took us
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off guard.
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We didn't really know what to expect when we went into this interview.
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It was just wild the things that she was saying about the things that was so
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deep in her tradition when it came to money.
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I think I went in with one view and kind of came up with another.
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Yeah, it was quite educational for us as well.
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I mean, mostly you're an echo chamber of your own environment and the people you spend
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time with, right?
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And I've never been to Dubai.
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I don't know much about different cultures when it comes to the way that they relate to
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money and also dynamics within traditional marriages and partnerships.
2:02
And so I think speaking to her and I mean, she's so happy with her situation.
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It's not as though she's sitting there complaining.
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She's really, this is a meaningful happy life for her and who will be to judge just because
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it's different to what we know.
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Yes.
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And at the same time, normally, if we heard someone relying so heavily on a partner
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financially, we'd be like, hey, oh, this feels problematic.
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And there was definitely times in the podcast where I was angry or like couldn't understand
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but was trying to.
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And then it wasn't until reflection and then actually speaking to her more and her almost
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explaining her situation and how she and her partner view money and how their religion views
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money and deals with money.
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It was, yeah, it was definitely, I came away being like, oh, okay, I kind of get it now.
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And it also made me think how fascinating it would be to speak to people of all from
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all different cultural backgrounds because I mean, for me, neither of my parents were religious
3:06
and I didn't have much diversity with the way that money was related to or talked about.
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So it's a conversation we haven't really had either in terms of how religion and money is intertwined.
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Yeah.
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So the person that we are going to introduce you to today after the poll said yes, I don't think
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there was one person who said don't release the episodes of it.
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We were like, okay, we're going to have to do this.
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So we're going to introduce you to Linda Andreid.
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She's a 23 year old born in Dubai, but she spends quite a bit of her time in America and sort
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of traveling around the world.
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The reason that she became quite famous and while no one on tech talks specifically was
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because she showcases what she spends in a day and it was wild.
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An absurd amount of money on things that you just kind of couldn't even imagine having that
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much disposable income.
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So it's things like Chanel bags, she would spend, you know, $7,000 in a day.
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She would spend 80 US dollars on a latte sprinkled with gold.
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Like the extravagance was just wild.
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Yeah.
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And I kind of didn't think that you could spend that much in a day.
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Yeah, she has.
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So first you name it.
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Yeah.
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And yeah.
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So we just basically wanted to ask her, how do you have so much money?
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How do you think about spending do you ever feel guilty that kind of thing?
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And it sort of spiraled into a conversation we weren't expecting.
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So you hope that you enjoy it.
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We hope that you learn something.
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And I hope you listen with an open mind.
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Yeah.
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Yeah.
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So yeah, let us know how you find the episode.
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And without further ado, we will introduce you to the billionaire's wife.
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Okay.
4:43
Linda, we would love to talk to you about your spending habits.
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Can you talk to us about how much you spend in a day?
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Do you track your spending?
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Are you aware of what you spend money on?
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Because we've seen online that you obviously invest.
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You're also a business woman.
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Well, you were a business woman.
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So we're kind of curious to know if what you're spending money on is conscious.
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And you're aware of what you're doing.
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Or if it's like there's so much money that you aren't worried.
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We kind of just want to understand what's going on.
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Because we were like out of so many of that much money.
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And also just yeah, give us a rundown.
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Yeah.
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Of course.
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Quickly, let me say.
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So all of the amount you see online that's in Durham's not dollars.
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So let's say I spent like 20,000 terms.
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That's $7,000.
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So that's like a Chanel bag, for example.
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Is that Dubai currency?
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Yeah.
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That's Dubai currency.
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And all of my shopping contents always in Dubai.
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I only shop there.
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It's the best.
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But yes, I do know that I'm a really bad spender.
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I like to think it motivates my husband to work harder though.
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So we'll see if that works.
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Because he looks in crypto, right?
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He works in Forex.
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He owns like eight different businesses.
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Yeah.
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But when I do go crazy spending like that, it's not usually every day.
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So how it works is that I get a percentage of my husband's income.
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And I can use that for spending, saving whatever I want.
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So it'll be like one or two days out of the month where I'll just go crazy.
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He'll do it with me though.
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He's a big spender too.
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And that's why I love him.
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I love Chanel, you know, things like that.
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Gold coffee.
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So good.
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How much is that coffee?
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It's $80.
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A mere $100.
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It's fully covered in gold.
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I don't know if it's worth $80.
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It's probably not worth $80.
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Oh my gosh.
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It's an Abu Dhabi.
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I don't live in Abu Dhabi.
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So I go there once every like month or so.
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And then when I go, of course, I have to get it.
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Because every time I get it and I post it, it goes viral.
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And I'm like, okay.
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Yeah, okay.
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Okay.
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I do want to follow this.
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I wanted to just backtrack to the fact that you get a percentage of your husband's income.
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On doing some research, you obviously have created your own businesses
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and are very successful yourself.
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So I'm just intrigued to know.
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Because online you refer to yourself as the millionaires wife.
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But you're also kind of a self-made millionaire, aren't you?
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Yeah, that is true.
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And I don't post about that because people don't care about that.
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I've noticed.
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And my TikTok at this point is like going to escape for me and then for people watching.
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It's like, wow.
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But yeah, I did build my own business.
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It was a med spa.
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That was where I started that when I was 19 years old.
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And I want to expand that to Dubai now as well.
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Because it's in Los Angeles.
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And my TikTok also is now kind of a career for me as well.
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But so how does it work in terms of spending?
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So you've obviously been very successful.
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Yeah.
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So as your husband.
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And by the way, did you guys meet when he was 16 and doing the dishes in a cafe or something?
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Yeah, when I met him, he wasn't rich.
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So I was 16.
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He was 19.
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He was working as a dishwasher.
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And we got engaged when I was 18, married at 19.
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Was he wealthy at that point when you got married?
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A little bit, but not like now.
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No, we've reached our success during our marriage.
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For that reason, I have three different rings because he upgraded me.
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Because when he proposed, it was like not that expensive.
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And then now it's upgrades.
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Are you wearing Wall Street right now?
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No, I'm not.
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I'm wearing Wall Street.
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But he said this is my last one, so I'm a little sad.
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We allowed to ask how much it was.
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$40,000.
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How much is it US?
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$40,000.
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So in terms, it would be like $120,000.
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So can we backtrack?
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So you've been a self-made millionaire.
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You have had amazing career.
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Very young.
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How does it work now in terms of finances?
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Does he give you an allowance?
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You have shared combined money?
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How does that?
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How does that work?
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Yeah, so every month I get 10% of his income for the month before.
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And that's used for like my allowance.
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And then aside from that, if there's like a really big purchase I want to make,
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let's say a new diamond necklace.
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I'll just say like, hey, Ricky, I want this necklace.
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What do you think?
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He'll give me his opinion if he likes it or not.
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And then he'll just buy it for me.
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So my day-to-day spending is the 10%.
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And like my shopping sprays is the 10%.
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But then anything bigger than that, you know, we do it together.
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So would that be things like apartments and basement properties?
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Yeah.
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We did end up buying two apartments in Dubai and that was together.
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I went by myself for one of them.
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That's the one I posted.
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I got an apartment.
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Hopefully my husband's not mad.
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Do you ever find it frustrating sometimes when you have to like ask almost permission
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to spend money or you obviously have a very loving relationship?
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But do you ever feel I guess disempowered or reliant on him or depended on him in a financial sense?
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I don't feel that way.
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And that's why the 10% exists is so that's a no-judgment spending.
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So anything that he puts in my account, that's up to me completely.
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And aside from that, I'm not scared of like if he ever left to me,
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would I be left penniless?
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Because, well, one, I think he's a good man.
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But two, we didn't have a prenup when we got married and we got married in America.
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So if he did leave me, that would suck for him, not for me.
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But yeah, it's, I don't feel like scared or anything.
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I am dependent on him, but I think he likes that.
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Like not in a mean way, just like he likes to take care of me.
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If I didn't feel safe, I don't think I would depend on him.
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And I would look for my own money.
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Well, it also seems like you have a very smart brain and passion and drive.
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You know, you'd be easy able to create businesses again that are generating money.
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And you know, you seem very entrepreneurial in that sense.
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Yeah. And he's opening me up my business and Dubai as well.
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So he's spending the money and a safe way for me too.
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What would you say is the most elaborate thing that you've bought?
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I've got two questions. That's the first one.
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The second one is, have you ever had a big spined and felt regretful of it?
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So one of the apartments we did buy, that is for both answers, it is the most elaborate.
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I regretted it after because I kind of bought it in a bad area.
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And it wasn't cheap either.
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So I was a little bit annoyed about that.
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How much was it? Do you buy me asking?
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Oh, it was 2.1 million.
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It's not even ready yet. It's going to be ready in 2026.
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That's useless.
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What did you buy if it was an investment property?
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Yeah, investment property for Airbnb slash living in it.
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It's a Dubai.
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There are a couple of business class flights that I miss.
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That kind of hurts.
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Like I completely missed it.
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Yeah, do you ever, I guess, spend money and feel guilty after you've spent it?
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Do you ever reach a point where you're spending money but it's not given you the satisfaction you thought
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or you're not feeling happy after spending it?
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Sometimes I will spend a lot of money and it doesn't bring me that satisfaction.
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And then I'm like, I feel bad about it.
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My husband, on the other hand, never feels bad about spending money.
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So then he'll just comfort me and he'll tell me the point of making money is to spend it.
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And then we can make more money or something like that.
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But then just watch what you're spending on in the future.
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Make sure you actually love it.
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If you love it, get it.
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If you're just buying it just to buy it, think about that.
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And do you, apart from the investment properties, do you invest in stocks or cryptocurrencies or any other assets
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or do you have a portfolio that you have put money into, you or your husband?
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Yeah, I have my own personal portfolio where I invest money and then my husband does that as his whole career.
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So he has like a way bigger portfolio and then I have my own little one that I manage.
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But my favorite type of investing is in like real businesses and like people and interacting
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and so many questions.
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I'm like, are you even scared that the money is going to run out?
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Yeah.
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Like do you ever feel like that?
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No, because so for example, the only bag that I would spend a lot of money on is Chanel or Hermes
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and those are investment pieces.
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So my black Chanel, I bought it for 6,000 seven years ago and now I could sell it for 10 if I wanted.
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Is there how much that they grow and value it?
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Yeah, how good a care do you have to take of it though?
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More care than you take with clothes.
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And handbags.
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So everything that I own, I know like God forbid I could sell it if I needed to.
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Yeah, so I guess you're buying quality, luxury items.
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Oh, and I've done that before.
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I was like, I had a couple of Chanel bags, I was bored of, I sold it, got my money back.
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Perfect, it's all good.
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And now I can pay for another latte.
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Yeah, exactly.
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Now that's not an investment, that's a stupid expense.
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But the way it makes up for it is that I go viral every time and that's why I justify it.
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So you can give most of your purchases, jewelry, property, etc.
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All the presents that your husband gives you as investments, rather than just frivolous things,
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that you actually cleverly buy stuff.
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Me personally, yes, I do know girls who don't cleverly buy things and they will go by like,
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not to hate on the brand, Louis Vuitton, they'll buy 10 Louis Vuitton bags
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instead of like one Chanel and then, I don't know if that goes up in value.
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And then you just kind of butter back, you know.
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I think the moral of the story here is you don't have to invest your money in typical assets like stocks,
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crypto, property, you know, invest in what tickles your fancy like Chanel bags,
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jewelry as long as it goes up in value, you are investing.
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Exactly, in a fun way.
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Can we talk about the trolls on social media because let's be honest, there's going to be a shit load of them.
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I don't know if you read them or not, I personally try and avoid scary social media comments.
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However, there will be a lot of people who see your content and think,
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what, all comment nasty things.
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How do you deal with that, respond, etc.?
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I honestly never check my comments because I used to and it would actually get to me
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because not only are they attacking like my life and my relationship,
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but they're attacking me.
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I don't know, I think I was weaker back then.
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I would probably be able to handle it more now.
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But yeah, it's like a lot of stuff about how, you know,
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how leave me for the newer model or, you know, I'm useless, things like that
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or like I'm too ugly to be within.
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I just don't read my comments anymore.
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But lately, there have been more supportive comments now because I think I'm starting to find my people
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where people are looking at it as a way of,
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fun to watch, rather than like angry to watch, comments are brittle.
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But another thing is like, like you said, I have built things myself
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and I did meet him like before he was even rich that I know myself
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that I'm not useless or going to be left, you know?
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Like I know the truth.
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If you're being completely honest and we wish a rewind until,
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well hold on, you're 23 now, right?
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I'm 24 now.
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So if we were to think back to when you first got together or you got married,
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was there any part of you that wanted to be with someone that was financially stable
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or did that just happen by accident?
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Because I've seen a lot of the stuff online about self-love
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equals you can choose what you deserve in terms of someone that has a lot of money
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and can treat you and all that kind of thing.
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But he wasn't like that originally.
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I'm just kind of curious how that transpired.
16:14
No, you're right.
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So it wasn't that I was looking for money but I wasn't ever going to date a loser.
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And I dedicate that to my dad being a good example.
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When he came to America when I was two, he had literally nothing to his name
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and he built a business, a very successful business from the ground up
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and provided for his family.
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And so that kind of opened up my eyes to different type of man who will do anything.
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I met like a lot of men but when I met my husband, he had that vision,
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not drive to want to build something.
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He didn't have it but he wanted to build something.
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I don't know, I had faith in him but also like I felt he reminded me of my dad.
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So it wasn't the money but it was the mindset.
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And I had no doubt he was going to be rich.
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He had a vision and so did I.
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When it comes to a few of his zoom out and say he wasn't at this point
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because he is very successful, obviously he has a lot of money.
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How long would you have waited around for him to sort that out?
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Do you think it would have been a game changer for you if it hadn't worked out for him financially?
17:15
Yeah, at a certain level, I do believe like a man needs to be financially sound
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to be in a marriage and like have a family.
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And that's like the bare minimum.
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You can't marry somebody who can't pay the bills.
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Like why would he choose that for yourself?
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If he wasn't this rich, let's say he had absolutely nothing.
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I don't know if we would have gotten married right away
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because he wasn't financially ready and needed to focus on his future
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instead of getting married right now.
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He was taking care of me fully but not at this level that's okay too
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because he's at the end of the day, he's taking care of me
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and he's paying the bills, the foods on the table, that's all that matters
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and I actually love him a lot.
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I don't think I could leave him now even if he didn't have any money.
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But yeah, at a certain level you do need to be with somebody with money to pay the bills.
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Do you believe that to be married or to be with somebody means that
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it's their responsibility to pay for the bills, the finances
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or do you think that it's more of a shared thing?
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I do think it's on the man to take care of the household
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which is a more traditional mindset.
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You know at the end of the day, the woman assuming we'll bring the kids
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and be pregnant, breastfeed, raise the children.
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And in doing so, you're helping the man advance his career
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because he doesn't have to worry about staying home
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and taking care of the children.
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He can focus on work and getting promotions and things like that.
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While you had to put your career on hold,
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the bills should definitely be paid by the man.
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I don't know what it is about my upbringing
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but I would feel really uncomfortable with that lifestyle
18:54
if I'm being completely honest.
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I know that you love your life so I know that that's not offensive
18:58
but I don't know, I just couldn't imagine not being the one
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that was making money or contributing in that way.
19:04
I don't know how to explain it.
19:05
I definitely get you and I agree with the making money part.
19:09
I do make my own money, I just don't contribute.
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So in my culture, it's believed the woman's money is her money
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and the man's money is their money.
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But that's kind of the norm though.
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But then how does it work with your husband paying for you opposed to...
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How does that work in terms of your money is your money and his money is his money?
19:30
How does it work then for...
19:32
Could you explain culturally?
19:34
I actually don't understand because we've grown up in a really different world.
19:37
Yeah.
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So my money is my money and his money is our money.
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So his money is for the family.
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My money can be used for savings, for a rainy day,
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presents, for friends, family, him,
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random stuff on myself, self-care, whatever it could be.
19:54
How does it work in terms of culturally?
19:56
If I would love to hear you speaking to what money means to your culture
20:00
and how that then translates into the dynamic of being in a relationship.
20:04
So in my culture, the woman doesn't have to contribute to the household in bills.
20:09
It's her right as a woman, like in that culture, to...
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She can make money, she cannot, it's up to her completely.
20:14
But the man, when he does marry a woman, he has to take care of her.
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Children has to take care of them.
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That's how it is in my culture.
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So my mom lived that way, my family back home lived that way.
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Most women in Dubai lived that way, of that culture.
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It's just the norm.
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If you do make money cool, he doesn't need the money.
20:33
And do you feel fine with that?
20:35
Yeah, I feel fine with that.
20:37
Because you take care of him too in a different way.
20:39
As a woman in this type of relationship,
20:42
like you take on the role of feeding him every meal,
20:45
you make sure the house is clean, you make sure he has clean clothes,
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like you take care of him, his overall livelihood, and he pays the bills.
20:53
And I'm happy doing that.
20:54
I just find it fascinating.
20:55
I guess coming from yourself, when you were so entrepreneurial in career driven,
21:01
to then go into that more traditional role,
21:04
whereas usually people kind of have that from the very beginning,
21:07
and that's fine.
21:09
But it's just, I guess, kind of doing that, you know, as you got older,
21:12
and as you got together in terms of like,
21:15
I, you say, what's making money, I was very career driven,
21:17
and now I'm happy to be provided for an ascense.
21:21
Yeah, it's just, it's quite, quite interesting dynamic,
21:23
and it's not something that we've seen before in some of the interviews.
21:26
But I guess you, there is the cultural side of things as well.
21:29
Yeah, so to answer that, when I was career driven,
21:32
it was still the same way where all of the money I made was mine.
21:37
And I was still getting like everything paid for it by him,
21:41
because I was making money, but I wasn't trying to step into that role
21:44
outside of my culture.
21:46
You know, both, I've done both either way he supports me,
21:49
and that's what I like about it.
21:51
I guess also that's what he finds attractive too,
21:53
like there's an element of not hunt together it,
21:55
but like, I'm caring for you, I'm paying for, you know,
21:59
it's so fascinating how different cultures work.
22:02
And does that stem all the way down to people who are not millionaires?
22:05
Yeah, it does, absolutely.
22:07
The difference would be, if your man is, for example,
22:09
he's making not as much, but he's still taking care of you,
22:13
you're getting your nails done, you're hair done,
22:15
you don't have to wake up and go to work and clock in.
22:17
That is the same thing.
22:19
Just at a different scale.
22:21
You're still being taken care of as a woman.
22:23
Like, what is the reason for that?
22:25
It's part of the religion actually, the good on,
22:27
because I'm Muslim, my husband's Muslim too,
22:30
and the good on it says that the responsibility
22:33
of paying the bills and making the money and providing is on the man
22:37
and being a Muslim like you know that,
22:40
and you don't argue it, you just accept it.
22:43
If you don't have as much money, for example,
22:45
I don't know, you probably wouldn't get married
22:47
and you would try to work on your career before,
22:49
because when you get married, you know that that's coming
22:53
with being the head of the house.
22:55
It's so normal in Dubai, if you go to Dubai,
22:57
it's like that everywhere.
22:59
So one time I was out with my friends,
23:01
and my husband wasn't there.
23:03
It was me, a girlfriend, and then it was two guys.
23:05
One was her boyfriend, another one was our friend.
23:08
I wanted to pay the bill.
23:10
I went up to the guy, the cashier,
23:12
and I was like, okay, can I pay the bill?
23:14
He's like, I can't let you do that.
23:16
I was like, I want to pay the bill, what do you mean?
23:19
And Dubai, he said that to me.
23:21
I have, there's men at the table, I can't let you pay the bill.
23:25
If I don't ask them first.
23:27
So that was so awkward.
23:29
Whoa.
23:30
Oh, that makes me so mad.
23:32
Just like the lack of ability to spend your money how you want
23:35
and the lack of, yeah, and asking them for me in your permission.
23:39
I was so embarrassed, because you went up to the table
23:42
and I was right behind him.
23:43
I'm like, oh my god, this is weird.
23:45
I was like, hey, is it okay if she pays the bill?
23:47
And I was like, oh my goodness, this is so embarrassing.
23:50
And what did he say?
23:51
My friends were embarrassed too.
23:53
They're like, oh my god, I don't know.
23:55
What, do we say yes?
23:56
Do we say, like, you know, it was weird.
23:58
I don't remember what happened so it was years ago.
24:01
Because for me, I would personally feel like
24:03
that is very controlling and very, I guess, belittling.
24:08
Like I remember my mom, and I think I've told the story
24:10
in the podcast before.
24:11
Like my mom went to buy something and she've
24:13
swiped your credit card.
24:14
And the cashier guy was like, oh god,
24:17
it was like quite tati.
24:18
Like she obviously did a new one.
24:19
And she's been spending money on it.
24:21
And he goes, oh, your husband won't be happy.
24:23
You obviously been using that card a lot.
24:25
And my mom is like, you know, the biggest career woman
24:27
she's worked her entire life.
24:29
She worked while she was raising us.
24:30
And she just lost it.
24:32
And I was like, there's that weird assumption
24:34
that everyone is being provided for by their partners or, you know,
24:38
and just, I guess, that whole traditional mindset.
24:41
And so I don't know, I just feel like if that had happened to me,
24:44
I would have felt really disempowered.
24:46
And I would have felt like a lack of dependence,
24:49
you know, lack freedom of how to spend my money, how I want.
24:52
And yeah, I think that kind of plays into a whole,
24:55
the whole gender itself is like that whole being provided for
25:00
and being told or asked, you know, if you can spend money,
25:04
is really suppressing us as a gender.
25:06
I don't know if you have the same view.
25:08
No, I agree with you.
25:10
I agree with you because in that situation,
25:12
it definitely like felt like I was in a box.
25:15
That situation was very awkward.
25:17
And I can imagine if a woman who's, and for me,
25:21
I'm not even that, you know, independent for a woman
25:23
who's way more independent, I can imagine like how hard that will be.
25:27
Because it works so hard to establish yourself as a woman
25:31
to then kind of be brushed off as like a man, you know.
25:36
But then don't take this, don't take this the wrong way.
25:38
But then I guess your whole image is playing into that,
25:40
being like a millionaire's wife rather than being like,
25:43
hey, I'm a millionaire myself.
25:45
I built my entire career and I've got my own money.
25:48
And so I guess there's an element of, yeah,
25:51
women playing into that narrative, which doesn't help.
25:55
I mean, also a different side to it is that being a feminist
26:00
means that you accept anyway a woman,
26:03
she was just to live and do with her life.
26:05
So it goes both ways, like she could be a career woman,
26:09
a boss, a CEO, but she could also choose to just start a family
26:12
and like be a wife.
26:14
And that's the power and the freedom of really choosing
26:17
whatever you want to do, you know.
26:19
I actually love that.
26:20
And I think that's a really good point.
26:22
It's the idea of not judging how any woman wants to spend their life
26:25
or their money.
26:26
Yeah.
26:27
But I do agree with you that I do make my own money,
26:30
but I play into like the housewife life.
26:32
And the reason I do that is because it's like now my tick-tock
26:35
M.O. and it's hard to escape it.
26:37
I can't honestly count if I wanted to,
26:40
because every time I post a video that's regarding anything else,
26:44
it gets like 10 views and that's boring.
26:47
But do you think that is there an element of playing it up
26:50
for tick-tock or is that actually genuinely?
26:53
Because you know, there's obviously an element of realism there
26:57
in terms of you enjoy spending money and he likes spending money on you
27:00
and I get that.
27:01
But do you think that maybe you lean more into the whole
27:04
I'm a millionaire's wife when really you and him both know
27:08
that you think of yourself as your own person?
27:10
Yeah.
27:11
And it's like a persona that I feel like I take on.
27:14
I feel like that persona comes out for tick-tock
27:17
and I create content around that for my channel.
27:21
And it's just kind of finding a balance between like what's true to me
27:24
and what's for my channel.
27:26
Right.
27:27
And so what kind of stuff did,
27:28
because one of the things that you posted and spoke about on tick-tock
27:31
was the stuff that he bought for you, like gifts.
27:34
Yeah.
27:35
Is that, is that for real?
27:37
As in, does he buy you like new cars,
27:41
new apartments, etc.
27:43
Or is that part of the persona?
27:45
No, he does.
27:46
But then when I post it on tick-tock,
27:48
I don't say something like we just got a new car.
27:50
I say like my husband just bought me a new car.
27:53
And that's the difference in wording that I'll say.
27:57
But no, my husband, he actually does.
27:59
And it makes it really easy to hype up that persona.
28:03
It makes it easy when he is actually like a true provider.
28:08
And I'm lucky.
28:09
I really am lucky.
28:10
On tick-tock and off tick-tock,
28:12
like I'm lucky to have that.
28:13
I do hype it up though.
28:15
Like I'm not going to lie.
28:16
I hype it up on tick-tock.
28:17
And that's why my channel's grown so much.
28:19
I'm dying to know what on earth does he and Beaston?
28:25
Give us some hot tips here.
28:28
Yeah.
28:29
So he owns quite a few businesses.
28:31
He does forex and crypto.
28:33
Then he has an academy that teaches you about forex and crypto.
28:37
And he owns an AI software.
28:39
And then a chat platform.
28:41
And he owns a charity as well.
28:43
He just does a lot with his money.
28:45
And then he does real estate too.
28:47
Gosh, jack of old trades.
28:49
But his fingers in a lot of pies.
28:51
Gosh, I need to get a wriggle on.
28:53
I just wanted to touch on the charitable side of things as well.
28:59
Because I think there might be a few people listening going.
29:01
Do both of you give to charity,
29:03
do any philanthropic work in that.
29:05
So it sounds like you do.
29:07
Absolutely.
29:08
It's part of my religion as well.
29:10
It's called Zakat.
29:11
And that's where you have to give a percentage of all of your money.
29:15
That year, every year, to charity to people in need.
29:19
And then my husband, what he owns is called MotivPak,
29:22
where you donate backpacks with motivational stuff inside.
29:26
And then school supplies to schools in the lower, lower wealth areas.
29:31
So I do the Muslim side and he does his own thing.
29:35
I do the one that's part of my religion.
29:37
One more question for me.
29:39
How did you land on 10% in terms of income?
29:42
Like, why not 50?
29:43
I mean, if you're a team, he's providing.
29:46
That's a traditional mindset.
29:47
You're providing it home in a different way.
29:50
Why is it not 50, 50, and how did you land it at 10%.
29:53
So when he makes his money, he has to deduct,
29:57
like, you know, our mortgages, our bills,
30:00
all of the payments we make.
30:02
We have a lot of bills monthly.
30:05
So he'll take care of all of that.
30:07
So that's why it's fair.
30:08
I'll get 10% of everything.
30:10
And then the rest will go towards investing to keep growing the wealth.
30:15
And two to, like, charity and then three to all of our bills.
30:19
But it's definitely enough.
30:21
What would team be safe?
30:23
So he makes anywhere between, like, $100,000 a month
30:27
to, like, $150 a month.
30:29
So 10% of that would be $10,000.
30:32
And then we also have a fund for travel, too,
30:34
because we love to travel.
30:35
So 5% goes to that.
30:37
And that will be for, like, our plane tickets,
30:39
our accommodations, activities.
30:41
It's just travel, an account for traveling.
30:44
And then he has his own 10%.
30:46
Do you know what I think is super interesting,
30:48
just then, when you knew exactly how much?
30:51
Well, like, I was really impressed that you were like,
30:53
I know that this is where this goes.
30:55
This goes here 10% of this amount is 10%.
30:58
You know, I think it's quite cool that you're obviously aware
31:00
of where the money is going and what it's being spent on.
31:02
It's not like you're just like, he gives you a little bit of pocket money
31:05
and you have no idea what's happening.
31:07
It's a plan you've obviously made together to go on holidays,
31:11
to be able to continue to grow your wealth,
31:13
to invest in property, all of that stuff.
31:15
It sounds like it's very much a team effort.
31:17
And he also does the 10% and 2%.
31:19
So it's fair.
31:20
Like, we have the same amount that we spend.
31:22
He doesn't get more than me.
31:23
When I did have my own business, though,
31:25
I was making like 30 to 40,000 a month,
31:28
which now, obviously, it's not,
31:30
it's on hold right now.
31:31
So that's like less than what I'm used to.
31:34
But it's okay, because I don't have to work.
31:36
Are you ever motivated to start to ramp that back up again
31:40
and start increasing your income or topping it up
31:43
from your own businesses?
31:45
I would love to, honestly, my goal is to start a family
31:48
and then make money and help provide for my family, too.
31:52
Like the children buying them stuff and things like that.
31:56
So the goal is to open up my business in Dubai.
31:59
That'll be the next step.
32:01
I don't know how good it would do in Dubai,
32:03
maybe not as good as America, but, you know, here's hoping.
32:06
None of that energy.
32:07
Thank you very much, Linda.
32:08
None of that.
32:09
No, it's going to do amazing, amazing.
32:12
Okay.
32:13
So then one last question I guess in terms of like an exit strategy,
32:16
if anything was to go tits up,
32:18
you're not worried because in America or in Dubai,
32:22
the law is that it would be split 50, 50,
32:26
shouldn't anything go wrong.
32:27
Is that right?
32:28
Yeah.
32:29
So in Dubai, the law is not in favor of women.
32:31
If you do get a divorce, you just get what's yours,
32:34
and he gets what's his, which most of the time,
32:36
he'll have more than you.
32:38
But in America, where we got married,
32:40
it's 50, 50 completely.
32:42
But aside from that, our first house is in my name.
32:45
So if we did get a divorce, like,
32:47
I for sure have that house.
32:49
And I did, I asked for that because of like that fear,
32:52
like potentially what, because he has those eight companies.
32:56
And I don't, God forbid, I don't ever want a divorce,
32:59
but I don't think it would be a big issue,
33:02
because there's no prenup, so it's just straight down the middle.
33:04
Was that a strategic decision to get married in the US?
33:07
She's like, hey, I know we can get married.
33:09
How about in another country?
33:11
I know, right?
33:12
No, we moved to Dubai after we've already been married for three years.
33:16
What if for some, again, a terrible, terrible reason?
33:20
Your husband was unable to work,
33:22
and therefore could not provide for you and your future family?
33:27
What do you have any like, insurance is in place
33:29
or anything like that where, you know,
33:31
they would still be an income, you know,
33:33
where you could still live your lifestyle
33:35
in some capacity as it is today?
33:37
Yeah.
33:38
So part of that, the breakdown of the 10% and the percentages,
33:42
he puts the percentage into a savings account,
33:44
where right now I think it's set to like four years worth of money
33:48
that we could don't have to make a single dollar
33:51
and would be fine.
33:53
Last that though, I think four years is plenty of time
33:56
to figure it out.
33:57
If not, then you're the problem.
33:59
So right now he has a savings account, yeah.
34:01
So he prioritizes that, the savings.
34:03
And what about in terms of just being on the same page financially?
34:07
Was there something that you spoke about before you got married?
34:09
Was it something that you, you know,
34:11
do you talk about a lot?
34:12
Do you ever have fights around money?
34:14
Like I'm curious to know just the communication
34:16
when it comes to your relationship and money
34:18
because there's obviously a lot of involved image
34:20
and you're not stressed about money
34:22
and the sense that it's not enough.
34:24
But are there any kind of conflicts or things that have arisen
34:27
over the time you've been together?
34:29
So I know and I think why is because we were together
34:33
from literally the beginning that once he started making money
34:36
it just kind of naturally included me
34:38
and he already started like his life improved and so did mine.
34:42
We got married like our lives both improved together
34:45
and I think that's part of the reason
34:47
is like we were together for so long.
34:49
Aside from that though,
34:51
so one time I was very stressed about my business.
34:54
I had like three problems going on
34:56
with like my manager or customer things like that
34:58
and I was telling him I'm really stressed
35:00
I literally can't handle this.
35:01
I don't want to do this anymore.
35:02
He was telling me it's okay.
35:04
Like I'll take care of you.
35:05
It's fine.
35:06
And then that's when I did take a step back
35:08
and I have never been happier.
35:11
That's pretty amazing.
35:12
That's huge for like any couple I think.
35:15
Yeah, I mean we've had fights one time for example.
35:17
So my business, the weight loss business,
35:20
the Med Spa, he owns that one.
35:23
Like technically it's in his name.
35:25
And I remember I had a problem with that.
35:26
I was like this is my business.
35:27
Like why is it in your name?
35:29
And the reason why is because he opened it up for me.
35:31
Like he started it.
35:33
He opened the bank account.
35:34
He opened up every,
35:35
and he just kind of put it all in his name
35:37
and lumped it up with his businesses.
35:39
That was a problem for me.
35:40
I was like okay.
35:41
Why is it in your name?
35:43
And why is everything in your name?
35:44
And he was just, he was telling like I can give you,
35:47
like it won't change anything.
35:48
Like I'll put it in your name.
35:49
And that was a fight that we had.
35:51
It was like probably the biggest fight.
35:52
But we've made up for it since then.
35:54
Like I feel way more comfortable now.
35:57
Like he put me on everything.
35:58
I think there will be a few people listening that would be.
36:01
We probably have had situations where they may have been in the same boat,
36:04
but it didn't turn out as well.
36:06
You know, people,
36:07
partners have said they'll do the right thing.
36:10
You know, and then it turns sour.
36:12
And they've kind of been left in the lurch.
36:14
So it's, you know, it is great to hear.
36:16
But it does sound also like you are.
36:18
You've, I guess you've put your ducks in a row in a case.
36:21
In case something did go tits up.
36:23
But I was going to say something in terms of, um,
36:26
women who are just people who have someone out.
36:29
Like they're relying on somebody else.
36:31
Think if you're not married to that person or you don't trust them,
36:34
never ever put something in someone else's name.
36:37
Like always having your name.
36:39
Like even if you're married,
36:40
that's kind of like the power is like it being in your name.
36:43
Cause trust will only take you so far.
36:46
The main thing that you have gone viral on TikTok for
36:49
has been the gold lattes.
36:51
Am I right?
36:52
And thinking it was 24 karat.
36:53
Can you please explain what they look like
36:55
and how much they cost?
36:56
Yeah.
36:57
So it's served in the, in the Emirates Palace.
37:00
That's where the, the prints of Dubai.
37:02
I believe owns that palace.
37:04
And you can go with public.
37:06
You order this coffee.
37:07
It's just normal coffee.
37:08
It's a latte with milk.
37:09
So then there's a layer of chocolate on top.
37:11
And then it's gold.
37:13
Just sprinkled with gold like fully like heaps of it.
37:15
It doesn't even taste that good.
37:17
But like I said, I only get it once a month.
37:19
Cause it's an Abu Dhabi.
37:20
And so you do travel quite a bit, right?
37:22
Like I saw that online that you do quite a lot of travel.
37:24
Yeah, a little too much.
37:26
Yeah.
37:27
So we have a house in Las Vegas and an apartment in California.
37:30
And then art Dubai.
37:32
So it's like always kind of these three.
37:34
And then plus where else we go?
37:36
Like if we go to Italy or Mexico or something like that.
37:39
And are you traveling quite bougie?
37:41
Like what kind of travel are we talking?
37:43
I like business class a lot.
37:45
So does Victoria.
37:46
Same.
37:47
I love business class.
37:48
But I don't miss my business class flights.
37:50
I would definitely be there like three, four hours early
37:53
just to soak up the lounge and make the most of it.
37:55
Look, if you ever need a buddy to come traveling with,
37:58
you know, if your husband can't come at any point,
38:00
where are your girls?
38:01
Or if you know, last minute you have that business class flight book to Italy
38:05
and you're like, I can't make it.
38:06
We will be there.
38:07
We will take that carpet business class flight book.
38:09
If you've got to Dubai, oh my god.
38:11
Dubai would love you.
38:12
You guys are beautiful.
38:13
Books trip to Dubai.
38:14
Yeah.
38:17
We'll just book some flights to Trodo A.
38:18
See you soon.
38:19
See you soon.
38:21
Thank you so much for listening to Raising the Curve.
38:24
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38:27
to know to be better with your money.
38:28
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38:32
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38:38
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38:39
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38:41
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38:44
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38:45
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38:46
Bye.