Latest / Rock My Finances / How do you capitalize in the Foster Care Industry while Empowering at-risk youth with Pamela Clay
Transcript
- 0:00Unless specifically indicated otherwise. The content expressed or my views only, and not
- 0:03necessarily those of Lifeco Asset Management LLC. The content presented is in no way
- 0:08an investment advice, solutination, or an offer to sell securities or investment advisory
- 0:12services. The material is provided for general information and educational purposes based upon publicly
- 0:17available information from sources believe to be reliable. I cannot assure the accuracy or
- 0:22completeness of these materials. As such, the information these materials may change at
- 0:25any time without notice. Reference to these discussions about eye wells and annuities are
- 0:29fixed insurance products. Investments on fixed insurance products are different from investments of the
- 0:33stock market. Any guarantees provided by a fixed insurance product cannot be assumed to
- 0:37be guaranteed for any other investment. Welcome to to Rock my Finances show on
- 0:42k FORAGD Radio and Talk for TV, where we put to fund in finance
- 0:47joint Powerhouse Jaffer Jos CDFA CMC and Private Wealth Advisor as she collaborates with you
- 0:54to create clarity, control and confidence with your money, your way. It's
- 1:00not about the zeros, So what is it all about? Let's find out.
- 1:03Now, here's your host and weekly friend, Jennifer Josh. Hey,
- 1:10y'all, we have such a great show for you today. I'm so,
- 1:14so so excited. I can tell you that I am a very good host
- 1:18because I have not even met Pamela yet, and so I am very excited
- 1:23to have this conversation with you. I have been speaking with her assistant like
- 1:26all the time, know her voice, and saw her today and said,
- 1:30hey, so we know each other from our voice. So she's amazing.
- 1:34So she has an amazing staff, she has an amazing story, and I
- 1:37cannot wait for you to hear everything that this woman is doing because I'm here
- 1:41in her home, in her company, in the nonprofit. Everything is all
- 1:46rolled up into one which I know many women out there can hear this and
- 1:49we would do the same thing right like we just would like my clients come
- 1:53to my home all the time. So this is great, Okay, Miss
- 1:57Pamela are Clay director founder, I would imagine its co founder, co founder
- 2:05of Living Advantage, Living Advantage. I'm gonna let her tell you the story.
- 2:08However, it does have a little place in my heart because they help
- 2:14at risk youth, which if you know my story, very big in my
- 2:17heart and foster children. Yes, I'm so excited, so so glad to
- 2:23have you here. Well, thank you for having men. I'm excited as
- 2:27well, but I'm also warm that you actually felt compelled to come and be
- 2:32with us today. Absolutely, absolutely absolutely. I know you're working hard and
- 2:38and we know each other from WBN Women's Business Network Hills Chamber, right,
- 2:45Yeah, and so that's been some wonderful connections there. Yeah. And well,
- 2:50you know, you know what I would like to know a little bit
- 2:52Jennifer. Wow, Oh look at her type a taking control? What the
- 2:54hell is that? Well, I just feel that I want to know a
- 2:57little bit about why at risk is so writ to you and then up chime
- 3:00in because that way she's opening the onion, y'all. Yes, okay,
- 3:07So most people know my beautiful son, Parker has been suffering from addiction since
- 3:13he was twelve years old. We have one year and one month clean and
- 3:20he'll be twenty five very shortly. So it's been a long haul. He
- 3:24had the add and you know, all the great stuff to make him a
- 3:29little bit there. However, he's been at risk. This his last the
- 3:31long twelve thirteen, fourteen however many years it's been, and so of course
- 3:38you gravitate towards those people as well. Right, So I've seen so much
- 3:45through his um you know, all the different rehabs and then the NA meetings
- 3:49and you know everything that he's been doing, because he's always just said,
- 3:53you know, this is not what I'm trying to do, this is not
- 3:57what I'm trying to be, this is not my life dream. Of course,
- 4:00and not to me is the biggest thing. Look around you and say
- 4:04would you have signed up for that? Absolutely? They all did not,
- 4:09like so we need to have compassion and so that's my Yeah. So that's
- 4:15interesting because now I can time in yea. So Living Advantage started with my
- 4:19mother, Bernie's Clay, she's the initial founder. I saw her on the
- 4:23website as yeah, almost thirty years of being in the Los Angeles Unified School
- 4:28District and she was a special as a speech pathologist, so as a special
- 4:32ad teacher of course, God, yes, they usually with children who have
- 4:38what do they say, learning disability? Sure right? My mother found that
- 4:43ninety five percent of the kids did not have a winning disability. Generally they
- 4:47had challenges at home or you know, more emotional more mental. And so
- 4:54during the course of her almost thirty years in the school system, I used
- 4:59to always ask why was she always at court? Why was there always more
- 5:02family like dynamics as opposed to learning functions, learning visibilities? Right, And
- 5:09so as as I matured and became an older person, realized that at home
- 5:15is usually where the issues like he had a age yep, yep. So
- 5:18then they prescribe medication from the medication is how I'm sure your son got more
- 5:25you know, addicted to stimulant. Right, Um, sometimes you know,
- 5:29we we we put a stigma on a drug use. It's really you know,
- 5:34stimuli being stimulated. Coffee, starfee drinkers. Right, that's the same
- 5:40thing. I mean if you if you got to Starbucks every day, some
- 5:42people go twice to day, what is that considered? Right? Right,
- 5:45So the same thing. So yeah, call me if you're going to start
- 5:47twice. Okay, dude, that's not that's not I know, I know,
- 5:51I know some people have that artitact is going to start Bucks a couple
- 5:54of times. Yeah, absolutely, But in the transition to um, you
- 5:59know, being you know, highly stimulated and then being on medication, and
- 6:03then that's how my mom got involved with at risk youth. Oh my gosh,
- 6:09and you took over well, and they don't always follow in her parallel.
- 6:13I'm definitely not an educator. I'm not a social worker. My background
- 6:16is real estate investment. That's why I'm live rock my finances. Right,
- 6:20That's another reason why I guess her synergy is really good. Um. But
- 6:25in the inchrom of my mom deciding that it was time for her to retire,
- 6:30she wanted to continue her legacy and her work work work with you know,
- 6:34high high risk youth at RESK youth. And what that led to was
- 6:39m foster youth getting a home, a six bed home. We started in
- 6:44Orange County. My mom started the nonprofit Living Advantage in Orange County with a
- 6:50six bed grew up home for boys. Unfortunately, mom got ill. And
- 6:57you know, my thing was we invested out on my background. My initial
- 7:01co founding was the investment component, right. I was investing in real estate
- 7:08at the time. I had a lot of different type of more single family
- 7:12rehab in units, right, And so I said, well, how are
- 7:15it could it be? You know, they have a home with kids.
- 7:19Literally thirty years later, thirty years later this year, thirty years later,
- 7:26I am fighting the fight, and it's it's it's the kids that are just
- 7:33subjected to their family and their environment. Um, you have to think about
- 7:40foster youth abused and neglected and abandoned. That's that's kind of the stigma that
- 7:46they have, right, But if you think about it, it's really usually
- 7:48family issues where maybe the parents are having issues, right, have challenges,
- 7:54and the kids, the kids get caught up. You know, it's not
- 7:58in every single solitary situation is different, every single one. Not you know,
- 8:03not every parent is in jail right, abusing their child. You have
- 8:07some parents that you know, we're in the war, they went they you
- 8:09know, they're they're in the armed forces and they pass, right, they
- 8:13die being in the armed forces, they going foster care. How about the
- 8:18parents with mental mental illness, they going foster care. How about parents that
- 8:22just get in a car accident, right, these kids are in foster care.
- 8:26So it's not always you know, where the family or the parents have
- 8:31you know, been been abusing the children, and children are just these victims.
- 8:35But once they're in the system, then they become you know for sure,
- 8:39because our system sucks in this country. It's really tough they have a
- 8:43tough job. They have a tough job of keeping over a half a million
- 8:48kids in our country, over a half a million kids, half a million
- 8:50children in the foster care system. Yes, so when you're complaining about voting
- 8:56and all the bills and all this stuff that's happened, let's not forget about
- 9:01the five hundred thousand children that need good homes, and not only just good
- 9:07homes, but actually good mentors and parents to show them the way to a
- 9:13healthy, productive, successful and joyous life. We always forget about this sector.
- 9:18I believe. Another little tidbit, I was switching companies in two thousand
- 9:26nine and zero income for six months. Wow. So I was driving foster
- 9:33children. Oh, it was one of the homes and one of the facilities.
- 9:37It was the county. So I was driving to court, I was
- 9:43driving to medical, I was driving to visitations. I would pick them up.
- 9:48And so I did that for six months as well. And most adorable
- 9:52kids ever in the whole world. As it was so great, it was
- 9:56I'm so glad I did that night personality type of the kids. Yeah,
- 10:01and usually it's really survival mode. It's they're trying to figure out day by
- 10:05day just how to how they're gonna eat, where they're gonna sleep, how
- 10:09they're gonna why it's important to eat, yes, because when your children at
- 10:15that age, the first thing that comes to your head is the first thing
- 10:18that you want to do. So that's not going to be how am I
- 10:22going to be healthy a year from now because they don't even care. So
- 10:24there's so much of emergency. And I really believe that, so that I
- 10:31believe in law of attraction as well as spiritual and all of that. Right,
- 10:35So what we focus on persists. What we have in our brain shows
- 10:39up, So we need to put good things in their brain. So bless
- 10:43your heart for everything that you're doing. That's what living advantage does. If
- 10:48you think about someone in the in the foster care system, are in the
- 10:52juvenile justice system, right, what do they need? They need support,
- 10:54they need a mentorship, they need heroes, they need someone that's going to
- 10:58be consistent it. So on an average, I'll give you a little Let
- 11:03me give you a few stats so you can get our idea of over the
- 11:05half a million kids that are in the system, eighty percent of art of
- 11:09color, of course, low income, poverty, and one of the things
- 11:13that sticks out to me is that they're very transit. They move around while
- 11:18they're in the system. They move around a minimum of seven times up to
- 11:22twenty times. We have one of our one of our, one of our
- 11:28great kids. Now she's a young adult. She's moved thirty six times in
- 11:31the foster care system. I think over twenty schools. But guess what,
- 11:35went to UCLA, went to UCLA, got her degree, went to a
- 11:39law school, and now she's an attorney for foster youth and their parents.
- 11:45Oh right, that makes me yes, isn't that? Isn't that a wonderful
- 11:48testimony? And she's one of our, one of our kids. And that's
- 11:52why Living Advantage is going to be the mom and pops of foster youth nationally.
- 11:56We want you to join us to be the mom and pops. Our
- 11:58main goal is to ensure that they are consistently supported, whether it be academic,
- 12:05whether it be case you know, social services, whether it be an
- 12:11ear you know, just to mentor somebody that needs additional advice on life.
- 12:15We just did a wonderful VIP a VIP career match, right, what is
- 12:20the VIP career match? Well, very important people that are being matched with
- 12:24some of our wonderful supporters like Jennifer here and ensuring that they understand whether strengths
- 12:31are in their career goals. Right, we did aptitude tests making sure where
- 12:35their strengths are and then imagining them to some of the wonderful women in the
- 12:41business network and some of our other supporters. Karent Bass, right, Karent
- 12:45Bass, mayor Bass. Her company was there, her department was there.
- 12:50So our job is to support our kids happ is to be there when they
- 12:54need us, not necessarily for what their needs are, because sometimes think about
- 12:58it, when you're fifteen year old kid and you know you need to stay
- 13:03in school to graduate. Is that what's always gonna happen? Oh god,
- 13:07Okay, even with our kids, even with anybody, anybody's kids. So
- 13:11therefore we always have to look at it from what do our kids want?
- 13:15What are their passions, what are their aspirations? That's what living advantage is
- 13:18about. So one of the we had our thirtieth year anniversary, Yeah,
- 13:24thirtieth year Anniverse in nineteen ninety three. Yes, so we had our thirtieth
- 13:28year anniversary, and you know, what was my thirty years? What is
- 13:33my thirty years? Have been all about My business partner that also co founded,
- 13:37Eugenia Wilson. She's our program director. What is our culture of living
- 13:41advantage? What is the whole makeup of why we've been here for thirty years.
- 13:46We started out with group homes in Orange County, La County. UM.
- 13:50We we did all over a decade with having homes and then I realized
- 13:56that, well, so I'm a back up. Five more years from that,
- 14:00we started our virtual services twenty five years ago. We had an online
- 14:05community. I wish I was Mark Zuckerberg. I wish I was as smart
- 14:09as him right because I wouldn't be sitting there with Jennifer right now, be
- 14:11on our island. But that's what I would be with my kids for sure.
- 14:16Whole thing. That's one thing about UM, you know when I talk
- 14:20about our culture. So we started virtual services over twenty five years ago,
- 14:24right way before it was electronic mail, before email was popular. We did
- 14:31that because I'm not My background is in social service. My background is not
- 14:35academics. My background is an investment making money like finances. So bringing my
- 14:41skill set right to this organization, it was like, how can I solve
- 14:46the problem of these kids? And one thing that I felt one common denominator
- 14:52is that they need a foundation and consistency, whether even if it's just somebody
- 14:56to hey, living advantage for whatever, you know, whatever it could be,
- 15:01for anything I need to I need services, I need bus pass,
- 15:05I need to go to college, I need to figure out how to how
- 15:09to get my high school diploma, whatever it may be. They know they
- 15:11can call on one person and that's us, right, and we do that
- 15:16now not necessarily always being funded. You have to think about how services are
- 15:20provided to people because of funding, and then they have a particular service right,
- 15:26and if the person doesn't doesn't qualify, they're not eligible, then what
- 15:31happens they don't get the service right. So living advantages here with people like
- 15:35Jennifer, because we're always going to support them. We're always going to be
- 15:39there for them, so they have somewhere to go, regardless if they're twelve
- 15:41or if they're thirty two. We've had some instances where we've had supporters excuse
- 15:46me, former fALS, You've coming up in their thirties because they still didn't
- 15:52have their personal identifiable information, They still didn't have a driver's license, or
- 15:56they didn't have their birth certificate or there social Security card. So living advantage
- 16:00found a common denominator, a support system, and a foundation. But they
- 16:04always going to come to I love that. And do they have to be
- 16:07in your vicinity? No, not necessarily. So again, we of course
- 16:14have certain services in lost centralists and in riverside counties. However, when you
- 16:18think about the half a million kids that are scattered across the country, they
- 16:22just need to know what resources and services are in their area. So we
- 16:27have it's called in an elock box. We have a patent pinning software that
- 16:33we develop to maintain their personal information but also to keep their history, to
- 16:38gather their history so we know, let's say, for instance, if they
- 16:41get a job when they're fifteen and now they're twenty, are they gonna remember
- 16:45everywhere they lived or every job they had or where was the job specifically?
- 16:49We keep that information. My clients don't even know that. There you go,
- 16:53we keep their Democrats have a four O wink over here, a fo
- 16:56over here. I have no idea. The name of that company gives a
- 16:59change. There you go. I have no idea, and that's our so
- 17:02imagine our kids. So that's our job is to keep up with their their
- 17:04information. Now they have a history, they have a foundation, and any
- 17:08time they could be in Timbook two, they could be in New York and
- 17:11say, hey, I'm filling out a job application. I can't remember where
- 17:15I worked in one where I was two years ago. We all we do
- 17:18is go we were partners with Salesforce. That's a really popular cry. A
- 17:23lot of people know about that, and we were on their base. They're
- 17:27one of our partners, and so they can call us email us Texas and
- 17:32we can go in find out their their history, and now they can continue
- 17:37on with whatever it is that they're they're needing to do for that time.
- 17:40I love that. I love that. So that's one service. Do you
- 17:42have like a hotline? Yes, okay, it's one eight eight eight three
- 17:48seven one two five zero one, and so they can call that for any
- 17:52reason. Anyway, I'm stranded, I can't find my buzz pass. I'm
- 17:56yes, I don't know how to get to the next thing. How do
- 17:59I do a resume? Absolutely? Why do I want to do a resume?
- 18:03Yeah? Well, what the hell is the money gonna do for me?
- 18:04Now? There you go. But what I find is important is that
- 18:08on an average to think about any young person, right, is there aspiration
- 18:12They're like, I can't wait to get out and get a job. It's
- 18:15really to have money to do what they want. So you also have to
- 18:19identify, we identify why why do you think you want to not go to
- 18:23school? What is the purpose of not going to school and getting a job
- 18:26because I can make more money now, right, and I could do whatever
- 18:29I want to do. Well, guess what I have to learn the hard
- 18:32way. So one of the things that we I don't want to say teach,
- 18:36but we instill in our kids is the importance of education. So I'll
- 18:41give you a testimony. So I grew up with a mom and dad,
- 18:45brother and sister, uncle cousins. I grew up in a very strong household,
- 18:51very strong family dynamics, and I want to you know, really great
- 18:55schools. But I was the time who I didn't want to extend myself.
- 18:59I didn't want to do the class work. I want to go and do
- 19:00what Pamela wanted to do. Right, And I've worked since I was twelve
- 19:04years old. I always had a job. I always worked, and so
- 19:08I didn't understand what my mom was was was an educator, right, and
- 19:12my dad was. He was a master's degree in marketing, so you know
- 19:17very you know educated, you know family, Um, they believe in the
- 19:21college. They believe in. Of course, I didn't want to go to
- 19:23college. I wanted to do whatever. I wanted to go out and make
- 19:26that million dollars right now, and so in doing so, Um, I
- 19:30didn't have the best grades. I always in my in my you know how
- 19:34you have to take your placement tests, you take your place some tests I
- 19:38always scare really high. But then when it came down to doing the actual
- 19:41school work, even though it lazy, didn't want to be exactly Yeah.
- 19:45Yeah, it was interesting because even in college, they would call my mom
- 19:48and said, what the hell's going on with your kid? Why did she
- 19:52score high on the test? And not worth the dark? But it it
- 19:56it blocked me from being able to go to the school that I wanted to
- 20:00go to. When I finally decide what I wanted to do, it blocked
- 20:03me. So I give the story to my kids. I get that story
- 20:07to my kids to let them know it's not really about what you're gonna do
- 20:11today, is about what you might want to do tomorrow. So just keep
- 20:14your options open your options on and you can close them absolutely. Okay,
- 20:18cool, okay, great. So so now you have the eight hundred number.
- 20:23You how you're you're you're doing the software being able to keep them.
- 20:27What else do you do for the kid? So what we do on a
- 20:30daily basis is, of course education. We have LAU and we're in the
- 20:36Los Angeles Unified School District. We have access to our seven hundred and I
- 20:40think fifty thousand kids all in La LA Unified School District in the city.
- 20:45We have contracts with the Juvenile Justice System. So what we do is we
- 20:49go into the schools we assist it's called the Los Angeles ut Provence the LA
- 20:55Living at Bandage Dropout Prevention Service, and we target the kids at our you
- 21:00know, might drop out of school, so we just ensure that they don't
- 21:04and we explain the reasons why it's not a good idea, why it's great
- 21:07to continue to school. And you'll be surprised again it's not really about them
- 21:11not wanting to go to class or wanting to do the work. Sometimes it's
- 21:17a lot of again home family issues. You know, maybe the mom is
- 21:21ill, uh and the and the student has to take their their siblings to
- 21:25school. Right, it could be that they're taking care of their parents.
- 21:27It could do that they're going to going to work late at night because they
- 21:32have to you know, they have to pitching for the family and they're getting
- 21:34up late and they're school. Yes, so there's all again, every situation
- 21:38is different. That's why I live in Advantage and our supporters. It's so
- 21:42important that we're here for our kids because it's what they say, takes a
- 21:47village to raise a kid. That's us where the village. So we have
- 21:51to look at who our future is, our false to youth, right,
- 21:53our atriish youth. And now think about there's so many more. The percentage
- 21:59of of at risk high RISH youth are much higher than it was ten years
- 22:02ago. You would think with all of the different services and the different opportunities
- 22:07and funding that it would be that, you know that that balance would shift.
- 22:11But there's higher rates of at risk youth. There's higher rates of suicide,
- 22:15there's higher rates of car accidents, drug abuse, alcoholic everybody like you
- 22:22might your thing might be um, you know alcoholism. Right, you don't
- 22:26want to see kids or you don't want to see people you know becoming alcoholics
- 22:30when when you look at the rate as it was ten years ago, it's
- 22:33higher. So again, our job is taking our kids and ensuring that they
- 22:38have a pathway, that they have a foundation, and that they're going to
- 22:42do the things they need to do to be successful. Right. We want
- 22:45our kids, We want our our young people. Whether they're in foster care
- 22:49or not, we still we still are support system for them. Right,
- 22:53So anyone that needs help, anyone? So how young would you say you
- 22:56help? We start a round twelve twelve? I was usually when they when
- 23:00they're going to middle school, So twelfth the middle schools, Yeah, middle
- 23:03school ish, because we know we're trying to catch them before they get in
- 23:07the tenth eleventh grade, right and kind of make a decision where they could
- 23:10give a darn right, we don't care at that point. Yeah, okay,
- 23:12that's absolutely and so yeah, and then our job is really to go
- 23:17in making sure that they don't fell out of school, ensuring that they have
- 23:21all of their social service needs. Do you have your bus passed? What
- 23:23do you need to to stay in school in to get to school? To
- 23:26get to school? Right, stay in school and then to graduate on time?
- 23:30What about like the help them with the meal plans, oh or all
- 23:34that I mean, because that's there's so much red tape everywhere absolutely drives.
- 23:38That's crazy. Yes, So imagine being a child trying to figure out how
- 23:42to get all this. So we found our common denominator, right, our
- 23:45common denominator is making sure they have a foundation and they have their their their
- 23:51their identifiable information, the birth certificate, social security because now they can get
- 23:55the benefits, right, they have to get that first. They can't they
- 24:00can't enroll in school if they don't have an idea. They can't get there,
- 24:03donal there anything. That's what I identified. When they walk in the
- 24:10door, that's the first thing I get done. They go straight to get
- 24:12whatever the verse to get so they can have a photo ID. How many
- 24:15times have you heard people getting in all kind of trouble because they don't have
- 24:19an idea. You can't drive without d you can't do anything without some form
- 24:22of ID. Right, guess what the second thing it is? Advocacy.
- 24:29Advocacy See where you see, I'm good at talking. I can sit there
- 24:33and talk to you all day long. They can give you all the answers
- 24:36to whatever questions you have. I can tell you where to go, how
- 24:38to go, who to go, who don't need to talk to go on
- 24:41my phone? Right? Our kids don't have that, then they don't do
- 24:44that. A lot of kids don't have that leverage. So again, we
- 24:48advocate for them so now and we show them, We show them how to
- 24:52interact with the teachers, how to explain why they're showing up late, are
- 24:56not coming to school. And that's huge, yes, and especially for I
- 25:00mean from what I've experienced, this is a long time ago, but they
- 25:06didn't understand, like my son had many learning disabilities, not just the ADHD,
- 25:11but many more. And so until you got to that one special ed
- 25:17teacher like your mom that knew what the heck was really really happening, all
- 25:21the other teachers think something different. So advocacy to teachers, I get that.
- 25:26How about the court system? Do you get involved in the court?
- 25:30My program director so her background after she graduated from San Diego State, she
- 25:36ended up and she got it for criminal justice for juveniles. Well, she
- 25:41ended up being the probation camps for juveniles and she did that for over a
- 25:48decade. And what a passion you ladies have. Yes, and guess what
- 25:52she said I'm tired of doing the intervention. Living Advantages prevention. Yes,
- 26:00I love that. So that's where I come from, and that's where the
- 26:03other co founder comes from. Yes, and you know what's you know what's
- 26:08you know what's interesting. I'm so glad you're here and you're involved because we
- 26:14have to we have to get to the masses for everybody to understand that once
- 26:18we get this foundation laid out and the kids see now. One reason why
- 26:23I don't like give out the phone number we're not gun hold are the kids
- 26:26is because you have to have a certain amount of funding to be able to
- 26:30be to be consistent and not have eligibility issues like in other words, oh
- 26:34we only have enough for twenty kids, you could we only deal with kids
- 26:38and zip code nine zero? Yes, right, I meant that is the
- 26:42worst. So Living Advantage over these thirty years have built all of these wonderful
- 26:48UM relationships and so now we are building out being UM. We call it
- 26:52the thirty three thirty Club, where we have three thousand people donate three thous
- 26:56thirty cents. We can service three hundred kids a year. So guess what
- 27:00every year we get three thousand, three thousand supporters every year three thousand,
- 27:04so it keeps increasing to thousands of kids and eventually look at those million supporters
- 27:11all over the country that say I can donate three thousand and thirty cents and
- 27:14now we can service any kid we want. So you'll see that. You're
- 27:18gonna see Living Advantage the billboards, kids callers, kids callers. Right now,
- 27:22we have a partnership with col Fresh Free of EBT free free food.
- 27:27They can literally get their EBT card and go out. Of course, they
- 27:30give you a limit on the amount that they can, but it's still hard
- 27:33to get the darned card. It's very difficult. You don't want to see
- 27:37the application. You wouldn't fill out the application. I mean it's that.
- 27:41And I'm an adult, you know I wouldn't feel out the application. It's
- 27:45crazy. So that for sure. So how can someone donate? Go to
- 27:51there. We've been scrolling your website Living Advantage Inc. Dot com, dot
- 27:56org, dot org Living Advantage Inc. Dot org Living Advantage. They donate
- 28:02all on that website. It should be you know, and you know what,
- 28:04they'll also give us a call because what's gonna happen anyway, I'm just
- 28:07gonna let you know once you don't, we're gonna call you anyway, because
- 28:11it's gonna says. We're gonna say, Okay, what are your passions?
- 28:15What do you like? We you know? Do you know we did a
- 28:18survey and most people don't donate or don't get involved in our profits is because
- 28:22they haven't found their passion. Well, I know Jennifer's passion is finance.
- 28:27And guess what we do financial literacy workshops, virtual financially for our kids.
- 28:32So I found her passion, So I know she's gonna be passionate about being
- 28:36a supporter for Living Advantage. What are some of your hobbies, what are
- 28:40your interests? What are your experiences that you would want to share with somebody?
- 28:45That's all Living advantage is about sharing your experiences, sharing your expertise,
- 28:49your knowledge with our kids so they can what so they can have that have
- 28:55that knowledge and experience and if they need to experience. Absolutely, as we
- 29:00know, words don't teach experience does. So let me ask you this,
- 29:03A lot of people want to make sure that most of their money is going
- 29:07towards the kids for sure or whatever. Yes, like how do you how
- 29:11do you do that? So so it's really super simple. We actually if
- 29:15you you can go on to our actual tax retims or our nineties, you
- 29:19can see the percentage. We're like eighteen percent administrative and eighty you know the
- 29:25other I think is eighty two eighty three programming. But you know what,
- 29:30we call you guys and bug you guys so much. You guys are out
- 29:33with us when we're doing our stuff at the school, when we're doing our
- 29:37virtual, our hybrid in person workshops we've done. We do STEM where Step
- 29:42organization. We partner with USC. We've been recipients of the Good Neighbors funding
- 29:48for over ten years, so we work with Marshall School and Marshall the for
- 29:53TURBI for Turbie help help us put together our patent PIN and technology USC for
- 29:59Turby School. UM. We work with the USC a joint educational project.
- 30:03They partner with us and they go out and give us the tutors to go
- 30:07in the school, the USC Neghborood Schools, so we leverage and balance our
- 30:12resources all day long. So again, don't worry you're gonna know what we're
- 30:17doing, because we're gonna call you and say, hey, do you want
- 30:18to come out? Do you want to participate and we even ask you,
- 30:22what do you want to see for us to do right? Right? Because
- 30:26we have I just met to one w ben she's tennis the tennis group.
- 30:30She wants to do tennis lessons, so, oh that's great. My sister
- 30:34got her scholarship from Beverly Hills High playing tennis. So I'm an advocate,
- 30:40bodybuilder, I trophies all over the place. I'm a swimmer, I'm a
- 30:44diver. I roller skate. Our kids have done so many things over these
- 30:47thirty years. They've had so much fun. Say skied, they ski with
- 30:51us, they snowboard. You trust me, you're gonna know what we do
- 30:55if if you go on our website, if you look at our social media.
- 30:57By the way, I'm looking for a really strong social media expert that
- 31:04that wants to just blow us up, wants to make us go viral.
- 31:08We want you to test out your skills with living advantage. I n c
- 31:14come test your skills out, show us that you could take us viral to
- 31:18get those million followers. Imagine imagine being able to literally take our kids to
- 31:25do whatever we want, whatever they think they might want. That's our job.
- 31:29Our job is to do that and we're excited about it. How many
- 31:32kids do you have like at any one time, like average of we like
- 31:37prime example, we're in gym, right, we're here about tis July.
- 31:40We've already serviced over three hundred kids. We had a really good UM,
- 31:45really good clothing drive with UM with one of the Beverly Hills orcs. I'm
- 31:48sorry I can't name off hand, but it was at the Beverly Hills UM
- 31:55fire station. Right, So we got all these wonderful clothes. And I'm
- 32:00I'm gonna be I'm gonna be honest with you. I don't like to get
- 32:02a lot of used donations, right, because you know why, I want
- 32:06my kids to have the best exact. All my kids, all my kids
- 32:09would tell you we are we are always very important people to live in advantage.
- 32:13They're always if they get if they get concert tickets, they get supporting
- 32:17event tickets. Don't give me nosebleed, you better give me VIP in the
- 32:22front. Or guess what I'll tell my kids they're watching on TV. They
- 32:24won't go I've done that before, right, because yes, the experience is
- 32:28fine, but my kids need to feel special, they feel important. Right,
- 32:31And so we had this clothing drive, and I was a little kind
- 32:36of adamant. I'm not adamant, just I wasn't really sure how receptive my
- 32:40kids would be because I'm a little I am a little protective of my kids,
- 32:44my babies. And so we got all these wonderful clothes. We had
- 32:47this big clothing drive at the school. Oh my god. They loved it.
- 32:52Oh my god. I had no idea they loved it that we ended
- 32:55up going back. We ended up going back I think a couple of weeks
- 33:00later, good and to do another. And they did some more. They
- 33:02loved it so much they were asking for us to come out and get more
- 33:06clothes. So there's a whole shift mindset with this generation because they care about
- 33:13a planet, they care about we are going I want some new ship.
- 33:16I didn't you know, they got a whole different mindset that they didn't have
- 33:21consignment. They love not wasting they do. I know, I loved it.
- 33:25It was so just heart heartfelt to watch the kids just get all involved
- 33:30in and you know, make sure they share with their similature. They got
- 33:32close. And then of course we said, well how about the os.
- 33:37You know, some of the things that were a little sure people. So
- 33:39it was really inspiring for me. And I'm look, I were always learning,
- 33:43Yeah, I always learning. I was walking down the street and there
- 33:45was a line and I'm like, oh, where are they going? And
- 33:49it was a swap meet. Wow. I'm like, dude, you guys
- 33:51are all twenty somethings. What the heck because and they were so excited.
- 33:55I'm like, Okay, so this is a whole generation. Yeah, I
- 34:00totally agree. And you're very busy with the kids, yes, and you
- 34:04have so a lot of supporters. So let's say we're listen, someone's in
- 34:07New York right now, and they're listening to us in New York. How
- 34:09can they uh uh maybe even hook you up with the foster kids in New
- 34:15York? Absolutely, so, um, that's what that's so what we've done
- 34:21over the past is that we provide. We share it. Like one of
- 34:24the things we do is we share our opportunities and our and our are sure
- 34:29there's someone there in New York. So maybe you guys can partner until either
- 34:34one of you can get big enough to do more, and we just share.
- 34:37We just share information, We sai, we share strategies. Yeah,
- 34:39that's great. If there's kids that need particular things that they don't have access
- 34:45to or they're not sure of because you know, now we can go on
- 34:47our phones and pretty much google anything. But you can google it, you
- 34:51can call, but you might not get the response. Again, that's or
- 34:54the red tape you get. Yeah, that's a lot. Let me ask
- 35:00you that you might not know it. Okay, did it get worse over
- 35:04cod Absolutely? Oh I'm sorry, No, no, no, it ridiculously
- 35:08right, it got ridiculous for the simple fact that you have to think about
- 35:13if you're looking at foster youth, a high risk youth, just at risk
- 35:15youth in general, they're already you know, below the property level. The
- 35:20only constant maybe is going to scope exactly exactly. The only constant is being
- 35:23able to go to this, to this building and interact with their friends and
- 35:29get the services that are there. Right. So if they're not getting that,
- 35:31then how are they getting all of the interactions, they're getting the food,
- 35:36they're getting the additional resources and benefits. Right. So, yes,
- 35:40but that's what by us being already virtual, it was easier for us to
- 35:45make that transition. But now that's where it come in. It came into
- 35:50that's why We've been asking for funding for decades for virtual services. And the
- 35:55first thing that of course most of the funders, the foundations, you know
- 36:00how why it's not important, you know that that's not going to serve them.
- 36:04But of course when with COVID, now everybody sees them, sees them
- 36:07now. Yes, now they save advantage, but now again it's still the
- 36:10same thing we're funding. Where's the funding and the red tape and the bureaucracy.
- 36:15So that's why I feel that our community could better serve us, and
- 36:19that way we could better serve our kids. I love that. So you're
- 36:22always fundraising, you're always absolutely um yeah, increasing our support system so our
- 36:29kids can have a constant, a constant you know. I kind of don't
- 36:34want to bring up some of the you know, the office office stuff,
- 36:38but we just had to shift with one of the political figures. They shifted
- 36:44some funding around, and of course they're giving it to their friends, they're
- 36:47you know, giving it to their people. Right, I'll just make it
- 36:51simple. And so guess what now that that cuts us out, That makes
- 36:54us have a setback for us to be able to continue our services. So
- 37:00that's why I say we need to build and We need to do more of
- 37:04these podcasts and let more people know that they're three thirty cents. It's going
- 37:08to go a long way. That consistency will go a long way and have
- 37:13so many more people where we don't have to worry about the political realm,
- 37:16the political waters, the bureaucracy of if somebody else comes into this area.
- 37:22Exactly, you need your own foundation regardless of what's going on in political that
- 37:25is there. You have it, Yeah, we need it doesn't matter.
- 37:30And that's what I do with my clients as I make sure that they're going
- 37:32to have their money, their retirement, no matter who's in the White House,
- 37:37no matter who's doing what, no matter what the stock market's doing.
- 37:40You have to have a constant. So we have like that in realm to
- 37:45the foundation. Yeah, the foundation and the constant. Yes, okay,
- 37:49so we can we can obviously if we're in the area. We can help
- 37:53physically as well. Well. We do our virtual so again you don't have
- 37:58to be just like when we did the VP Career Match, we didn't have
- 38:00all of our all of our vendor people here. Okay, they weren't at
- 38:04the school. They actually we did we did a zoom or they might have
- 38:07did one of the other type, the Google meets or whatever. Yeah,
- 38:09but they get the virtual right and then guess what, even the ones that
- 38:13weren't available there, we still have their information. We still knew exactly where
- 38:16we still massed our kids. We don't. We don't need you present.
- 38:20That's our job. That's why we're getting the funding, that's why we're getting
- 38:23the wonderful support and contributions from all of you, So you don't have to
- 38:29be present, but you know we're doing the work. I love that.
- 38:30I love that, and I know we are all here to take care of
- 38:35the children. We all have our passions, we have our missions. Mine
- 38:37is women and I love this. And I can also say, um being
- 38:44nurturing women as we are we are, we can be miss president of nonprofits
- 38:51can be the most unhealthiest person, or staff of nonprofits can be the most
- 38:55unhealthy because they're giving so much. How can we support you and your staff?
- 39:00You know, I think what you're doing right now, Jennifer, just
- 39:04coming out letting people know who we are and what we do. And you're
- 39:07right. I've been up since three o'clock this morning. Yesterday, I was
- 39:12at four o'clock. Yeah, didn't go to bed till midnight one o'clock.
- 39:15Yeah. But again, my background isn't in health and working out. I
- 39:21have a gym, have a gym here on premise, I do eat,
- 39:25you know eighty percent. Well, I am my health now and my mom.
- 39:29Okay, So if you guys don't know, my mom started the nonprofit
- 39:34but got ill, she got breast cancer. And back then you got to
- 39:37think about the nineteen nineties. You know, they were pushing the what is
- 39:40it, the HRTs. Yeah, they were pushing the menopause medication and if
- 39:45you look at all of the all of the side effects of that, my
- 39:50mom had, every single one of them. It was it was heartretchie my
- 39:52mother. My mother did marathons, my mother swam, My mother played tennis,
- 39:57very healthy woman, extremely healthy woman. And to start taking me and
- 40:01they say, don'tye take them max, I think three months, six months.
- 40:05My mom took them for over a decade. Yeah, so they did.
- 40:08They did, yes, and so that's how my mom got breast cancer
- 40:12and ended up getting cancer and passing on. So I you know, I
- 40:15do understand health, and so that's another thing I provide for my kids.
- 40:20I think when my kids would come into the home, Like I said,
- 40:22the first thing we would did is make sure they had their their identification.
- 40:25Second thing we did is this is how you're gonna eat vegetables. In the
- 40:30morning, you get your fruit. Right afternoon, we're hoping you eating something
- 40:35else. And then at night they would have the first the first meal they
- 40:37would have is vegetables, a bowl of vegetables. Sure they had, you
- 40:43know, whatever they but guess what they would eat their vegetables first, because
- 40:47guess what that helped filled them up. They had something nutrition is now the
- 40:51vegetables and that was another thing you have. You will have a home with
- 40:53six boys and you'll be surprised. One boy is eating sal another boy's eating
- 40:59broccoli, and the boys I told him, I told myself, I didn't
- 41:01give a dang what vegetable they had. They can have whatever you want.
- 41:06And guess it worked so well, And it worked well when I my daughter,
- 41:09when I had my baby, it worked well for my baby. But
- 41:13you hold your baby. My baby's thirty five, Yeah, exactly, he's
- 41:15my sweetie. Pipe. By the way, it's our thirtieth year for living
- 41:19advantage. In my sixtieth year on Earth, mean too. Yes, September.
- 41:23Yes, mine was March. Oh, Pisy, you are driven pis
- 41:29thank you. I love that. I love that, absolutely love it.
- 41:31This is the year Man of celebration is So do you still have group homes?
- 41:36No? Okay, Now it's all virtual and supportive and advocacy and help
- 41:40all we found that again, the you know, the bureaucracy that I keep
- 41:46bringing that up, but you know, they had your hands tied. There's
- 41:50so many, you know, so many. It's very limited on how we
- 41:52can help our kids. So now see we go when we have I think
- 41:58I don't know how many group homes we said so many more? Now,
- 42:00yes, and do you have a grant writer on staff or help? Yes,
- 42:04we we have. I just I hired a new one. But I'm
- 42:07looking for a goal yes, always looking for grant writers. We're talking to
- 42:13you in advantage. In advantage eight eight eight three seven one two five zero
- 42:19one three seven one two five zero one. I love it. I love
- 42:23that well. I love your energy. The kids must love you. Yeah.
- 42:27I don't get to spend as much time with the kids as I would
- 42:30like. But again, you know, as we continue to build capacity and
- 42:35being able to take our you know, take go viral, right, yes,
- 42:38then I would go like that that word. I'll be able to hang
- 42:43out with my kids more. Okay, so we have seven minutes left.
- 42:45W I know, and no one talked too much? Woman, I know
- 42:51I'm terrible. Sorry, Okay, So let's um, if there's anything important
- 42:55that you want to get in there. Well, I know one thing.
- 42:59I'm writing a book. There I do when I'm writing in a book.
- 43:01It's called how to Capitalize in the Foster Care System? Oh, you mean
- 43:07to actually how to capitalize? So now you got Now you got to buy
- 43:10the book to figure out how. And so I'm gonna you know, I'm
- 43:15right almost at the end of the self editing. Good, so I'll come
- 43:20back on specific talking about about the book. That way, it'll get people
- 43:23to think. So right now you just have to think about how to capitalize
- 43:28in the foster care system. So what is that book all about? Right?
- 43:30How am I writing my very first book? And this is to show
- 43:35you my expertise in this industry. But again, why how to capitalize?
- 43:38Why is that so important? You'll find out soon? Oh my god,
- 43:42that's gonna be so good. The left hangar, y'all Cliffhanger. I love
- 43:45it. Open loop, open loop. Okay, good, so that's good.
- 43:49Let me ask you this. Do you bring spirituality or religion in anywhere
- 43:53in your company? Yes? So um. And when I'm talking, I
- 43:59think one of the fresh things I talk about is that I'm a Christian.
- 44:04I believe hohheartedly in the spirit of the Lord, my Jesus Christ. And
- 44:08the main reason why I say that is because now you know where my cinner
- 44:12is right and that's what my belief is. And I don't care what you
- 44:15believe in, but whatever you believe in it, it's okay because that's your
- 44:20center in the your belief. But now you know, Julie, where I'm
- 44:22coming from, and I take a hard stand. I'm like that tree and
- 44:25I'm not gonna move. I'm not gonna budge because that grounds me and that
- 44:30allows me to all the blessings that I received my whole life. I'm able
- 44:34to spread it out to everyone else. And that's why I make sure people
- 44:38understand that. You know, I'm a strong believer, and I like to
- 44:45share what I'm talking with my kids. I like to share experiences and testimonies
- 44:47as to how it's strengthening me and how it's going to strengthen them. I
- 44:52love that. So I'm a big twelfth stepper and so I do believe in
- 44:57a higher power, God, Jesus, whatever you want, anybody, whatever,
- 45:00But it's not just us, y'all. I talked to my angels every
- 45:05day. My angels has got me through an amazing weekend and everything happened so
- 45:08perfectly, and that was so not me. Wow, Like for me standing
- 45:13here on this earth right now, I should not be here. So I
- 45:15know that I'm here for a reason, and there's so much bigger at work
- 45:19than just us. So to have that holding us up. Whatever you want
- 45:25to call that, pick your name, I don't care, it doesn't matter.
- 45:29Just knowing that you were not alone, it's not just you and more
- 45:32of us. Power together is power, and power together make it stronger.
- 45:37And also it allows us to be able to share it, Like when I
- 45:40talk about your experiences, your expertise, your education, the thing that you
- 45:45that you're passionate about. That that's why it's there, because it wants to
- 45:50come out and be able to share it and give it to other people to
- 45:52build them up, to make them strong. So now now think about how
- 45:58to capitalize in the fast. I love her. Yeah that was good.
- 46:02That was good. That was good. I'm looking forwards to even even Yeah,
- 46:07I love it. So here's um it just left. What was it?
- 46:12It was probably really good? Okay, but that that's that I ties
- 46:16in together. Yes, it absolutely ties in. Oh there we go.
- 46:21So sometimes m as teenagers, I'm gonna just call say it, uh in
- 46:29when we're talking about religion or spirituality, and some of them turn completely everything
- 46:37over, but then they don't take responsibility for what's really happening. Yes,
- 46:42so just you as a human woman sitting next to me, in flesh and
- 46:45blood on this planet. I I don't like checking our brain at the door,
- 46:52is what I say. Like, Yeah, we have free will.
- 46:55I have agency over myself, my emotions, my feelings, options in my
- 47:00behaviors. And so how do you or do you bring that in anyway?
- 47:06Absolutely so, Um, I told you one of the first things we do
- 47:08when they when they step in the doors, make sure they have their information
- 47:13right. So the first conversation I have is, um, I'll give you
- 47:17a quick cestimony. So the first first boy that came into her home,
- 47:21he was trevyall cocasing boy, pretty cute little boy comes in with a paper
- 47:24bag and he comes in. I'm like, well, you know where,
- 47:30And I slipped out kind of where's your mom and dad? Where's your social
- 47:34I'm like, where's every He was like, oh, they just laughed.
- 47:36They said that my paper works in the back. And I mean I was
- 47:39florid. I mean I was just like, oh, my couse. You
- 47:42gotta imagine. I've never experienced foster here. I grew up with the family,
- 47:46right, I didn't know anything about that. You would have never been
- 47:49left off nowhere kidding me never, So I wish yes. And so I'm
- 47:55going through the questionnaire with this kid, and so course he doesn't know half
- 48:00the questions and I don't know what's that. He is starting to cry.
- 48:04I'm starting to cry, and onything I could think of was oh my god.
- 48:07So guess what. Guess what You're gonna have to take responsibility for yourself.
- 48:12But guess what my job is. Guess what my job is is to
- 48:15be here to make sure it gets done. My job is to help you.
- 48:19I'm here. You have a roof over your head, you have you
- 48:22have food, you have clothing, You're gonna go to the doctor. That's
- 48:24my job is all your necessities. That's your job, is the responsibility of
- 48:30figuring out what you want to do and and my strength and my capability.
- 48:36I got you. Oh that makes me feel so good. That's how that
- 48:42makes me feel so the answer to your questions. That's how I start off.
- 48:45Yes, and yeah for sure, And you start off and they and
- 48:50that's the main thing. You have to let them know that, guess what,
- 48:53I'm here for a purpose. You're there. You got to figure it
- 48:57out, and there's certain ways. Then you start talking about you know,
- 49:00I tell them my strength and my and my my grace comes from God.
- 49:04That's where mine comes from. I know where mine comes from because God is
- 49:07talking to me and told me that. Now we'll figuret where your uls come
- 49:09from, or you can figure that out, but right now we're gonna see
- 49:12what you want to do and where you want to go. I love it.
- 49:15And then they just automatically were like okay, because you know, we've
- 49:19had a lot of game bangers, you know us and you know the cool
- 49:22guy. You know they're cool. Oh yeah, you know. And that's
- 49:25the first thing you do is just say I'm over here, but I got
- 49:29you now, you gotta tell me where we're going. Oh, I love
- 49:31it. Oh, Pamela and so enjoyed our conversation. So we're gonna have
- 49:37her back, y'all when she's going to give us the open loop of her
- 49:39book. Yes, can't wait. How to capitalize on the in the foster
- 49:43system. Yes, okay, awesome, Thank you so much for coming.
- 49:45Oh, thank you so much, greatly appreciate it. Oh love blah blah
- 49:51life. Thanks amazing living advantage dot ink dot org, lived an advantage ink
- 49:57doc org. Yeah, check it out. Don't ate that three thirty three.
- 50:00See what you can do. Anybody that's in the professional let's jump on
- 50:06there and be mentors. Let's see what we can do with family. I
- 50:07love it, I love you and your stuff are amazing. Thank you all.
- 50:10Thanks Juan, I love my engineer. All right, thank you.
- 50:14We appreciate you joining us today. And don't forget to subscribe to the rock
- 50:19my Finances YouTube channel for more engagement and bonus content. Tell me what is
- 50:24your money story? Let's find out with Jennifer four pm Eastern one pm Pacific
- 50:30every Thursday right here on K four HD Radio and Talk for TV. It's
- 50:35not about the zeros. It's about the F word. Feelings, feelings,
- 50:39Jennifer can't wait to explore with you next week. Until then, let's all
- 50:44say I rock my finances.