Latest / #WisdomOfWomen Show / Investing with Purpose: A Guide to Empowerment for Women with Janine Firpo

Transcript

Investing with Purpose: A Guide to Empowerment for Women with Janine Firpo · #WisdomOfWomen Show

• 0:00
  Welcome
• 0:00
  to
• 0:01
  the
• 0:01
  Wisdom
• 0:01
  of
• 0:01
  Women
• 0:02
  Show.
• 0:02
  We
• 0:02
  are
• 0:03
  dedicated
• 0:03
  to
• 0:03
  amplifying
• 0:04
  the
• 0:04
  voice
• 0:05
  of
• 0:05
  women
• 0:05
  in
• 0:06
  business.
• 0:07
  A
• 0:07
  new
• 0:07
  model
• 0:08
  of
• 0:08
  leadership
• 0:09
  is
• 0:09
  emerging
• 0:10
  and
• 0:10
  we
• 0:11
  are
• 0:11
  here
• 0:11
  to
• 0:12
  amplify
• 0:12
  the
• 0:12
  voices
• 0:13
  of
• 0:13
  women
• 0:13
  leading
• 0:14
  the
• 0:14
  way.
• 0:15
  I
• 0:15
  am
• 0:15
  your
• 0:15
  host,
• 0:16
  Coco
• 0:16
  Selman,
• 0:17
  five
• 0:17
  time
• 0:17
  founder,
• 0:18
  impact
• 0:18
  investor
• 0:19
  and
• 0:19
  creator
• 0:20
  of
• 0:20
  the
• 0:20
  Force
• 0:20
  for
• 0:20
  Good
• 0:21
  system.
• 0:22
  Thank
• 0:22
  you
• 0:22
  for
• 0:22
  joining
• 0:23
  us
• 0:23
  today
• 0:23
  as
• 0:23
  we
• 0:24
  illuminate
• 0:24
  the
• 0:24
  path
• 0:25
  to
• 0:25
  unlocking
• 0:26
  opportunities
• 0:27
  and
• 0:27
  prosperity
• 0:28
  for
• 0:28
  women
• 0:29
  led
• 0:29
  enterprises
• 0:30
  by
• 0:30
  amplifying
• 0:31
  the
• 0:31
  voice
• 0:32
  of
• 0:32
  women
• 0:33
  in
• 0:33
  business.
• 0:35
  So
• 0:35
  today
• 0:36
  we
• 0:36
  have
• 0:37
  a
• 0:37
  values
• 0:38
  driven
• 0:38
  vanguard
• 0:39
  in
• 0:39
  our
• 0:40
  midst.
• 0:40
  Janine
• 0:41
  Firpoe
• 0:42
  is
• 0:42
  a
• 0:42
  values
• 0:43
  aligned
• 0:44
  investor,
• 0:45
  social
• 0:45
  innovator
• 0:46
  and
• 0:47
  author
• 0:47
  who
• 0:47
  has
• 0:48
  spent
• 0:48
  more
• 0:48
  than
• 0:48
  three
• 0:49
  decades
• 0:49
  leading
• 0:50
  transformative
• 0:51
  initiatives
• 0:52
  in
• 0:52
  technology
• 0:53
  and
• 0:53
  international
• 0:54
  development
• 0:55
  at
• 0:55
  organizations
• 0:56
  like
• 0:56
  Hewitt,
• 0:57
  Packard,
• 0:57
  Apple
• 0:58
  and
• 0:58
  the
• 0:58
  World
• 0:58
  Bank.
• 0:59
  In
• 0:59
  2017,
• 1:01
  she
• 1:01
  left
• 1:02
  her
• 1:02
  corporate
• 1:03
  and
• 1:03
  global
• 1:04
  development
• 1:04
  career
• 1:05
  to
• 1:05
  dedicate
• 1:06
  herself
• 1:06
  to
• 1:07
  helping
• 1:07
  women
• 1:07
  use
• 1:08
  their
• 1:08
  money
• 1:09
  to
• 1:09
  create
• 1:10
  a
• 1:10
  more
• 1:10
  just
• 1:11
  and
• 1:11
  equitable
• 1:12
  world.
• 1:13
  She
• 1:14
  is
• 1:14
  the
• 1:14
  author
• 1:15
  of
• 1:15
  Activate
• 1:16
  your
• 1:16
  money,
• 1:17
  Invest
• 1:18
  to
• 1:18
  grow
• 1:18
  your
• 1:19
  wealth
• 1:19
  and
• 1:20
  build
• 1:20
  a
• 1:20
  better
• 1:20
  world
• 1:21
  and
• 1:21
  co
• 1:22
  founder
• 1:22
  of
• 1:23
  Invest
• 1:23
  for
• 1:24
  Better,
• 1:25
  a
• 1:25
  nonprofit
• 1:26
  that
• 1:26
  has
• 1:26
  already
• 1:27
  empowered
• 1:27
  over
• 1:28
  2,500
• 1:28
  women
• 1:29
  in
• 1:29
  the
• 1:29
  US
• 1:29
  and
• 1:30
  Europe
• 1:30
  to
• 1:30
  take
• 1:31
  confident
• 1:32
  values
• 1:33
  aligned
• 1:33
  investment
• 1:34
  action.
• 1:35
  Named
• 1:36
  to
• 1:36
  the
• 1:36
  Forbes
• 1:37
  50
• 1:37
  over
• 1:37
  50
• 1:38
  list
• 1:38
  in
• 1:39
  2024,
• 1:40
  Janine
• 1:41
  continues
• 1:41
  to
• 1:41
  inspire
• 1:42
  and
• 1:43
  equip
• 1:43
  women
• 1:43
  to
• 1:44
  grow
• 1:44
  their
• 1:44
  wealth
• 1:45
  while
• 1:46
  building
• 1:46
  a
• 1:47
  sustainable,
• 1:48
  equitable
• 1:48
  future
• 1:49
  for
• 1:49
  all.
• 1:50
  It
• 1:50
  is
• 1:51
  my
• 1:51
  pleasure
• 1:52
  to
• 1:52
  have
• 1:52
  you
• 1:52
  today,
• 1:53
  Janine.
• 1:54
  Thank
• 1:54
  you
• 1:54
  so
• 1:55
  much
• 1:55
  Coco.
• 1:55
  It's
• 1:56
  my
• 1:56
  pleasure
• 1:56
  to
• 1:56
  be
• 1:57
  here
• 1:57
  with
• 1:57
  you.
• 1:57
  I
• 1:58
  really
• 1:58
  appreciate
• 1:59
  it.
• 1:59
  Tell
• 2:00
  us
• 2:00
  a
• 2:00
  book
• 2:01
  that
• 2:01
  has
• 2:01
  been
• 2:02
  written
• 2:02
  by
• 2:02
  a
• 2:02
  woman
• 2:02
  that
• 2:03
  significantly
• 2:04
  influenced
• 2:04
  your
• 2:05
  life.
• 2:05
  The
• 2:06
  book
• 2:06
  is
• 2:06
  by
• 2:07
  Ursula
• 2:07
  Heggie
• 2:08
  and
• 2:08
  it's
• 2:08
  called
• 2:09
  the
• 2:09
  Stones
• 2:09
  by
• 2:10
  the
• 2:10
  river
• 2:11
  and
• 2:11
  I
• 2:12
  read
• 2:12
  it
• 2:12
  a
• 2:12
  couple
• 2:13
  decades
• 2:13
  ago
• 2:13
  when
• 2:13
  I
• 2:14
  was
• 2:14
  starting
• 2:14
  to
• 2:14
  study
• 2:15
  evil.
• 2:15
  I
• 2:16
  was
• 2:16
  curious
• 2:16
  what
• 2:17
  is
• 2:17
  evil?
• 2:18
  Because
• 2:18
  I
• 2:18
  thought
• 2:18
  it
• 2:18
  was
• 2:19
  just
• 2:19
  when
• 2:20
  a
• 2:20
  bad
• 2:20
  person
• 2:21
  did
• 2:21
  something.
• 2:22
  But
• 2:22
  what
• 2:22
  I
• 2:23
  learned
• 2:24
  from
• 2:24
  her
• 2:24
  book,
• 2:24
  which
• 2:25
  takes
• 2:25
  place
• 2:26
  as
• 2:26
  Hitler
• 2:26
  is
• 2:27
  rising
• 2:27
  in
• 2:27
  power
• 2:28
  in
• 2:28
  Germany,
• 2:29
  is
• 2:29
  that
• 2:29
  true
• 2:30
  evil,
• 2:31
  the
• 2:32
  worst
• 2:32
  evil,
• 2:33
  happens
• 2:33
  when
• 2:34
  good
• 2:34
  people
• 2:35
  fail
• 2:36
  to
• 2:36
  step
• 2:36
  up,
• 2:37
  when
• 2:38
  bad
• 2:38
  things
• 2:38
  are
• 2:38
  happening,
• 2:39
  when
• 2:39
  good
• 2:40
  people
• 2:40
  align
• 2:41
  with
• 2:42
  evil
• 2:42
  things
• 2:42
  because
• 2:43
  it's
• 2:43
  an
• 2:43
  easier
• 2:44
  path.
• 2:44
  That's
• 2:45
  when
• 2:45
  the
• 2:45
  worst
• 2:45
  evil
• 2:46
  in
• 2:46
  the
• 2:46
  world
• 2:46
  takes
• 2:46
  place.
• 2:47
  And
• 2:47
  it
• 2:47
  really
• 2:48
  has
• 2:48
  stuck
• 2:49
  with
• 2:49
  me
• 2:49
  ever
• 2:49
  since.
• 2:51
  Wow.
• 2:51
  And
• 2:51
  an
• 2:52
  important
• 2:53
  topic
• 2:54
  for
• 2:54
  any
• 2:54
  time.
• 2:55
  But
• 2:55
  I
• 2:55
  feel
• 2:55
  like
• 2:56
  these
• 2:56
  times
• 2:56
  in
• 2:57
  particular
• 2:58
  where
• 2:58
  so
• 2:58
  much
• 2:58
  of
• 3:00
  the
• 3:00
  narrative
• 3:01
  has
• 3:01
  gone
• 3:01
  negative
• 3:02
  and
• 3:04
  maybe
• 3:05
  not
• 3:05
  what
• 3:05
  we
• 3:05
  all
• 3:05
  want
• 3:05
  and
• 3:06
  we
• 3:06
  want
• 3:06
  to
• 3:06
  maybe,
• 3:07
  maybe
• 3:07
  we're
• 3:07
  not
• 3:08
  in
• 3:08
  favor
• 3:09
  with
• 3:09
  everything's
• 3:09
  happening,
• 3:10
  but
• 3:10
  if
• 3:10
  we
• 3:11
  don't
• 3:12
  use
• 3:12
  our
• 3:12
  voices,
• 3:14
  we're
• 3:14
  just
• 3:14
  as
• 3:15
  responsible.
• 3:15
  Yep,
• 3:16
  I
• 3:16
  very
• 3:16
  much
• 3:17
  feel
• 3:17
  that
• 3:17
  way.
• 3:17
  So
• 3:18
  that
• 3:18
  is
• 3:18
  my
• 3:18
  book.
• 3:19
  I
• 3:20
  love
• 3:20
  it.
• 3:20
  I'll
• 3:20
  have
• 3:20
  to
• 3:20
  pick
• 3:21
  it
• 3:21
  up.
• 3:21
  I
• 3:21
  haven't
• 3:21
  read
• 3:21
  it.
• 3:22
  It's
• 3:22
  a
• 3:22
  really
• 3:23
  great
• 3:23
  read.
• 3:23
  I
• 3:23
  feel
• 3:23
  like
• 3:24
  I've
• 3:24
  heard
• 3:24
  of
• 3:24
  it,
• 3:24
  but
• 3:25
  I
• 3:25
  have
• 3:25
  not
• 3:25
  read
• 3:25
  it.
• 3:26
  So
• 3:26
  I'm
• 3:26
  going
• 3:26
  to
• 3:26
  pick
• 3:26
  that
• 3:27
  one
• 3:27
  up.
• 3:27
  That
• 3:27
  sounds
• 3:27
  great.
• 3:28
  I
• 3:28
  always
• 3:29
  like
• 3:29
  to
• 3:29
  ask
• 3:30
  about
• 3:31
  moments
• 3:32
  in
• 3:33
  your
• 3:33
  life.
• 3:34
  I
• 3:34
  always
• 3:34
  like
• 3:35
  to
• 3:35
  find
• 3:35
  out
• 3:36
  for
• 3:36
  the
• 3:37
  people
• 3:37
  on
• 3:37
  the
• 3:37
  show,
• 3:38
  what
• 3:39
  are
• 3:39
  the
• 3:39
  moments
• 3:39
  that
• 3:39
  have
• 3:40
  really
• 3:40
  shaped
• 3:40
  you,
• 3:41
  the
• 3:41
  things
• 3:42
  that
• 3:42
  have
• 3:43
  informed
• 3:44
  who
• 3:44
  you
• 3:44
  are
• 3:44
  today,
• 3:45
  your
• 3:45
  belief
• 3:45
  system,
• 3:47
  the
• 3:47
  things
• 3:47
  you've
• 3:48
  learned
• 3:48
  as
• 3:48
  a
• 3:49
  result
• 3:49
  of
• 3:49
  these
• 3:49
  moments
• 3:50
  that
• 3:51
  paint
• 3:51
  a
• 3:51
  picture
• 3:51
  for
• 3:52
  us
• 3:52
  to
• 3:52
  understand
• 3:53
  the
• 3:54
  human
• 3:54
  being
• 3:54
  that
• 3:55
  you
• 3:55
  are.
• 3:55
  Janine.
• 3:57
  So
• 3:57
  I
• 3:58
  love
• 3:58
  that
• 3:58
  question.
• 3:59
  I'm
• 3:59
  going
• 3:59
  to
• 3:59
  talk
• 3:59
  to
• 4:00
  you
• 4:00
  about
• 4:00
  three
• 4:00
  very
• 4:01
  different
• 4:01
  things.
• 4:03
  The
• 4:03
  first
• 4:03
  one
• 4:04
  happened
• 4:05
  somewhat
• 4:05
  early
• 4:05
  in
• 4:06
  my
• 4:06
  career.
• 4:06
  I
• 4:07
  started
• 4:07
  in
• 4:07
  the
• 4:08
  tech
• 4:08
  industry.
• 4:09
  This
• 4:09
  particular
• 4:10
  job
• 4:10
  was
• 4:10
  in
• 4:11
  Silicon
• 4:11
  Valley.
• 4:11
  I
• 4:12
  worked
• 4:12
  at
• 4:12
  a
• 4:12
  small
• 4:12
  firm
• 4:13
  run
• 4:14
  by
• 4:14
  a
• 4:14
  husband
• 4:14
  and
• 4:15
  wife
• 4:15
  team
• 4:16
  and
• 4:16
  I
• 4:17
  was
• 4:17
  doing
• 4:18
  customer
• 4:18
  support.
• 4:19
  I
• 4:19
  was
• 4:19
  help
• 4:19
  training
• 4:20
  and
• 4:20
  doing
• 4:20
  customer
• 4:21
  support.
• 4:21
  I
• 4:21
  had
• 4:22
  a
• 4:22
  mail
• 4:22
  boss
• 4:23
  and
• 4:23
  one
• 4:24
  day
• 4:24
  he
• 4:24
  called
• 4:24
  me
• 4:24
  into
• 4:25
  his
• 4:25
  office
• 4:25
  and
• 4:26
  basically
• 4:27
  he
• 4:27
  propositioned
• 4:28
  me
• 4:28
  and
• 4:29
  said
• 4:29
  that
• 4:29
  if
• 4:30
  I
• 4:30
  didn't
• 4:31
  like,
• 4:31
  perform
• 4:32
  certain
• 4:32
  favors
• 4:33
  that
• 4:33
  I
• 4:33
  wasn't
• 4:34
  going
• 4:34
  to
• 4:34
  get
• 4:34
  a
• 4:34
  promotion,
• 4:35
  that
• 4:35
  he
• 4:35
  wouldn't
• 4:36
  give
• 4:36
  me
• 4:36
  a
• 4:36
  good
• 4:36
  review,
• 4:37
  etc.
• 4:38
  His
• 4:39
  office
• 4:39
  just
• 4:40
  happened
• 4:40
  to
• 4:40
  be
• 4:40
  right
• 4:41
  next
• 4:41
  door
• 4:41
  to
• 4:42
  the
• 4:42
  woman
• 4:43
  who
• 4:43
  was
• 4:43
  one
• 4:44
  of
• 4:44
  the
• 4:44
  co
• 4:44
  founders
• 4:44
  of
• 4:45
  the
• 4:45
  company.
• 4:45
  I
• 4:45
  left
• 4:45
  his
• 4:46
  office,
• 4:46
  walked
• 4:46
  into
• 4:47
  her,
• 4:47
  sat
• 4:47
  down,
• 4:47
  and
• 4:48
  I
• 4:48
  said,
• 4:48
  I
• 4:48
  need
• 4:48
  to
• 4:48
  tell
• 4:48
  you
• 4:49
  what
• 4:49
  just
• 4:49
  happened.
• 4:50
  And
• 4:50
  I
• 4:51
  told
• 4:51
  her
• 4:51
  the
• 4:51
  story.
• 4:52
  Three
• 4:53
  days
• 4:53
  later,
• 4:53
  he
• 4:54
  was
• 4:54
  gone
• 4:54
  and
• 4:54
  I
• 4:54
  had
• 4:54
  his
• 4:55
  job.
• 4:57
  That
• 4:57
  happened
• 4:58
  because
• 4:58
  that
• 4:58
  woman
• 4:59
  had
• 4:59
  my
• 4:59
  back.
• 5:00
  She
• 5:00
  stood
• 5:01
  up
• 5:01
  for
• 5:01
  me,
• 5:02
  believed
• 5:02
  me
• 5:03
  when
• 5:03
  I
• 5:04
  told
• 5:04
  her
• 5:04
  what
• 5:04
  had
• 5:05
  happened.
• 5:05
  And
• 5:06
  she
• 5:06
  made
• 5:06
  sure
• 5:07
  that
• 5:08
  that
• 5:08
  situation
• 5:09
  was
• 5:09
  rectified.
• 5:09
  And
• 5:10
  I
• 5:10
  think
• 5:10
  that
• 5:10
  if
• 5:10
  it
• 5:10
  had
• 5:11
  gone
• 5:11
  a
• 5:11
  different
• 5:12
  way,
• 5:13
  my
• 5:13
  career
• 5:13
  would
• 5:13
  have
• 5:14
  been
• 5:14
  very
• 5:14
  different
• 5:14
  than
• 5:15
  what
• 5:15
  it
• 5:15
  was.
• 5:16
  So
• 5:16
  I
• 5:17
  just
• 5:17
  applaud
• 5:18
  and
• 5:18
  really
• 5:18
  want
• 5:19
  to
• 5:19
  recognize
• 5:20
  women
• 5:20
  who
• 5:21
  step
• 5:21
  up
• 5:21
  for
• 5:22
  and
• 5:22
  support
• 5:23
  other
• 5:23
  women.
• 5:23
  It's
• 5:24
  so,
• 5:24
  so
• 5:25
  important
• 5:25
  for
• 5:26
  us
• 5:26
  to
• 5:26
  do
• 5:26
  that.
• 5:27
  Oh
• 5:28
  my
• 5:28
  goodness,
• 5:28
  it
• 5:28
  is.
• 5:29
  And
• 5:29
  I
• 5:30
  mean,
• 5:31
  another
• 5:31
  reason
• 5:31
  why
• 5:32
  we
• 5:32
  need
• 5:32
  more
• 5:32
  women
• 5:33
  at
• 5:33
  the
• 5:33
  top,
• 5:34
  right?
• 5:35
  These
• 5:35
  situations
• 5:36
  are
• 5:36
  still
• 5:37
  very
• 5:37
  common.
• 5:38
  Your
• 5:38
  story
• 5:39
  is
• 5:39
  the
• 5:39
  exception.
• 5:41
  A
• 5:41
  lot
• 5:41
  of
• 5:41
  times
• 5:42
  you
• 5:42
  don't
• 5:42
  get
• 5:43
  the
• 5:43
  response,
• 5:44
  the
• 5:44
  support,
• 5:45
  the
• 5:45
  action.
• 5:47
  Exactly.
• 5:47
  And
• 5:47
  I
• 5:48
  really
• 5:48
  value
• 5:49
  it.
• 5:50
  So
• 5:50
  I
• 5:50
  recognize
• 5:51
  that
• 5:52
  another
• 5:52
  thing
• 5:53
  that
• 5:53
  had
• 5:53
  a
• 5:53
  really
• 5:54
  transformational
• 5:55
  impact
• 5:55
  on
• 5:55
  me,
• 5:56
  I
• 5:56
  always
• 5:56
  loved
• 5:57
  to
• 5:57
  travel.
• 5:58
  In
• 5:58
  the
• 5:58
  mid-90s,
• 5:59
  I
• 5:59
  was
• 5:59
  still
• 5:59
  in
• 5:59
  the
• 6:00
  tech
• 6:00
  industry
• 6:01
  and
• 6:02
  I
• 6:02
  quit
• 6:03
  a
• 6:03
  job
• 6:03
  and
• 6:03
  I
• 6:03
  took
• 6:03
  an
• 6:04
  extended
• 6:04
  backpacking
• 6:05
  trip
• 6:05
  through
• 6:05
  Sub
• 6:05
  Saharan
• 6:06
  Africa,
• 6:06
  saw
• 6:07
  incredible
• 6:08
  poverty
• 6:08
  there
• 6:09
  and
• 6:10
  decided
• 6:10
  that
• 6:10
  I
• 6:10
  wanted
• 6:11
  to
• 6:11
  create
• 6:11
  a
• 6:11
  career
• 6:12
  that
• 6:12
  somehow
• 6:13
  helped
• 6:13
  work
• 6:14
  on
• 6:14
  solving
• 6:14
  that
• 6:15
  problem.
• 6:16
  And
• 6:16
  so
• 6:16
  I
• 6:16
  came
• 6:16
  back
• 6:17
  from
• 6:17
  that
• 6:17
  trip,
• 6:18
  and
• 6:18
  it
• 6:18
  took
• 6:18
  me
• 6:18
  about
• 6:19
  a
• 6:19
  year
• 6:19
  to
• 6:19
  figure
• 6:19
  it
• 6:20
  out.
• 6:20
  But
• 6:20
  I
• 6:21
  ultimately
• 6:21
  built
• 6:22
  a
• 6:22
  second
• 6:22
  career
• 6:23
  that
• 6:23
  looked
• 6:23
  at
• 6:23
  the
• 6:23
  role
• 6:24
  that
• 6:24
  technology
• 6:24
  and
• 6:25
  business
• 6:25
  think
• 6:25
  you
• 6:25
  could
• 6:26
  play
• 6:26
  in
• 6:26
  solving
• 6:26
  poverty.
• 6:27
  I
• 6:27
  did
• 6:27
  that
• 6:28
  career
• 6:28
  for
• 6:28
  20
• 6:28
  years,
• 6:29
  and
• 6:29
  it
• 6:29
  was
• 6:30
  extraordinary
• 6:31
  on
• 6:32
  so
• 6:32
  many
• 6:32
  different
• 6:32
  levels.
• 6:33
  I
• 6:33
  can't
• 6:33
  even
• 6:33
  begin
• 6:33
  to
• 6:34
  tell
• 6:34
  you
• 6:34
  how
• 6:34
  many
• 6:35
  things
• 6:35
  happened
• 6:35
  and
• 6:36
  the
• 6:36
  people
• 6:36
  I
• 6:36
  met
• 6:36
  and
• 6:37
  the
• 6:37
  places
• 6:37
  I
• 6:37
  went.
• 6:38
  It
• 6:38
  was
• 6:38
  an
• 6:38
  extraordinary
• 6:39
  career.
• 6:39
  And
• 6:39
  I
• 6:39
  think
• 6:39
  we
• 6:40
  actually
• 6:41
  had
• 6:41
  an
• 6:41
  impact
• 6:42
  as
• 6:42
  well,
• 6:42
  which
• 6:42
  is
• 6:43
  what
• 6:43
  ultimately
• 6:44
  is
• 6:44
  really
• 6:44
  important.
• 6:45
  Well,
• 6:46
  and
• 6:46
  you
• 6:46
  did
• 6:46
  a
• 6:47
  big
• 6:47
  pivot
• 6:47
  from
• 6:47
  that,
• 6:48
  right?
• 6:48
  I
• 6:48
  mean,
• 6:49
  that
• 6:49
  was
• 6:49
  like,
• 6:50
  I've
• 6:51
  heard
• 6:51
  you
• 6:51
  talk
• 6:51
  about
• 6:52
  this.
• 6:52
  This
• 6:52
  was
• 6:53
  like
• 6:53
  leaving
• 6:53
  a
• 6:54
  very,
• 6:55
  you
• 6:55
  know,
• 6:56
  you
• 6:56
  were,
• 6:56
  you
• 6:56
  were
• 6:57
  on
• 6:57
  a
• 6:57
  track,
• 6:57
  you
• 6:57
  were
• 6:58
  making
• 6:58
  a
• 6:58
  lot
• 6:59
  of
• 6:59
  money.
• 6:59
  You
• 6:59
  could
• 6:59
  have
• 7:00
  made
• 7:00
  more
• 7:00
  money.
• 7:00
  It
• 7:00
  was
• 7:01
  a
• 7:01
  big
• 7:01
  decision
• 7:02
  to
• 7:02
  change
• 7:03
  at
• 7:03
  that
• 7:03
  moment.
• 7:04
  It
• 7:04
  was.
• 7:05
  In
• 7:05
  fact,
• 7:05
  one
• 7:05
  of
• 7:06
  my
• 7:06
  friends
• 7:07
  thought
• 7:07
  I
• 7:07
  burned
• 7:08
  out.
• 7:08
  He's
• 7:08
  like,
• 7:08
  you've
• 7:09
  just
• 7:09
  burned
• 7:09
  out.
• 7:09
  I
• 7:09
  mean,
• 7:10
  what's
• 7:10
  wrong
• 7:10
  with
• 7:10
  you?
• 7:10
  And
• 7:10
  when
• 7:11
  I
• 7:11
  left
• 7:11
  on
• 7:11
  that
• 7:12
  trip,
• 7:13
  I
• 7:13
  was
• 7:13
  in
• 7:14
  something
• 7:14
  called
• 7:14
  the
• 7:14
  multimedia
• 7:15
  and
• 7:15
  CD
• 7:16
  ROM
• 7:16
  industry.
• 7:16
  When
• 7:17
  I
• 7:17
  came
• 7:17
  home
• 7:18
  four
• 7:18
  or
• 7:18
  five
• 7:19
  months
• 7:19
  later,
• 7:19
  the
• 7:20
  Internet
• 7:20
  had
• 7:21
  come
• 7:21
  online
• 7:21
  and
• 7:22
  my
• 7:22
  industry
• 7:22
  was
• 7:23
  gone.
• 7:23
  And
• 7:23
  everyone
• 7:24
  I
• 7:24
  knew
• 7:24
  was
• 7:24
  in
• 7:24
  this
• 7:25
  new
• 7:25
  Internet
• 7:26
  age.
• 7:27
  And
• 7:27
  I
• 7:28
  was
• 7:28
  so
• 7:28
  well
• 7:29
  positioned
• 7:29
  to
• 7:30
  ride
• 7:30
  that
• 7:30
  train.
• 7:31
  I
• 7:31
  mean,
• 7:31
  I'd
• 7:31
  already
• 7:31
  had
• 7:32
  executive
• 7:32
  positions,
• 7:33
  I
• 7:33
  already
• 7:33
  had
• 7:33
  15
• 7:34
  years
• 7:34
  in
• 7:34
  tech
• 7:34
  under
• 7:35
  my
• 7:35
  belt.
• 7:36
  So
• 7:36
  I
• 7:36
  could
• 7:36
  have
• 7:37
  easily
• 7:37
  gone
• 7:38
  into
• 7:38
  the
• 7:38
  dot
• 7:38
  com
• 7:39
  world,
• 7:40
  and
• 7:41
  who
• 7:41
  knows
• 7:41
  where
• 7:41
  that
• 7:41
  would
• 7:42
  have
• 7:42
  led.
• 7:42
  It
• 7:43
  just
• 7:43
  wasn't
• 7:43
  where
• 7:43
  my
• 7:43
  heart
• 7:44
  was
• 7:44
  anymore.
• 7:44
  Something
• 7:45
  shifted
• 7:45
  for
• 7:46
  me
• 7:46
  at
• 7:47
  a
• 7:47
  very
• 7:47
  deep
• 7:47
  level
• 7:48
  when
• 7:48
  I
• 7:48
  took
• 7:48
  that
• 7:49
  trip,
• 7:49
  and
• 7:49
  I
• 7:49
  just
• 7:50
  knew
• 7:50
  that
• 7:50
  I
• 7:50
  needed
• 7:51
  to
• 7:51
  create
• 7:51
  something
• 7:51
  different.
• 7:52
  So
• 7:52
  it
• 7:53
  meant
• 7:53
  pay
• 7:53
  cuts,
• 7:54
  it
• 7:54
  meant
• 7:55
  ridicule,
• 7:55
  it
• 7:56
  meant
• 7:56
  a
• 7:56
  lot
• 7:56
  of
• 7:56
  things,
• 7:57
  but
• 7:57
  I
• 7:58
  did
• 7:58
  it
• 7:58
  anyway.
• 7:58
  And
• 7:59
  I
• 8:00
  couldn't
• 8:00
  be
• 8:00
  happier
• 8:01
  that
• 8:01
  I
• 8:01
  made
• 8:01
  that
• 8:02
  choice.
• 8:03
  It
• 8:03
  really.
• 8:03
  Well,
• 8:04
  I,
• 8:04
  I,
• 8:04
  I
• 8:05
  love,
• 8:05
  I
• 8:05
  love
• 8:05
  this
• 8:06
  story
• 8:06
  because
• 8:07
  it
• 8:07
  is
• 8:07
  when
• 8:08
  you
• 8:08
  think
• 8:09
  this
• 8:09
  is
• 8:09
  often
• 8:09
  not
• 8:10
  just
• 8:10
  for
• 8:10
  women,
• 8:11
  but
• 8:11
  I
• 8:11
  think
• 8:11
  it's
• 8:11
  unique
• 8:12
  to
• 8:12
  women.
• 8:13
  We
• 8:13
  need
• 8:13
  more
• 8:14
  than
• 8:14
  just,
• 8:14
  you
• 8:15
  know,
• 8:15
  monies
• 8:16
  and
• 8:16
  titles
• 8:16
  and
• 8:17
  ladder
• 8:18
  advancements
• 8:19
  to,
• 8:21
  to,
• 8:21
  to,
• 8:21
  to
• 8:22
  continue
• 8:22
  to
• 8:23
  do
• 8:23
  what
• 8:23
  we
• 8:23
  do.
• 8:23
  We
• 8:24
  need
• 8:24
  that.
• 8:24
  It's
• 8:24
  part
• 8:25
  of
• 8:25
  our
• 8:25
  DNA
• 8:26
  and
• 8:26
  it's
• 8:27
  a
• 8:27
  really
• 8:27
  good
• 8:27
  thing.
• 8:28
  Yeah.
• 8:30
  And
• 8:30
  I
• 8:30
  think
• 8:30
  we
• 8:31
  also
• 8:31
  like
• 8:31
  to
• 8:32
  help
• 8:32
  people.
• 8:32
  At
• 8:33
  one
• 8:33
  point
• 8:33
  in
• 8:33
  my
• 8:33
  life,
• 8:34
  I
• 8:34
  was
• 8:34
  a
• 8:34
  triathlete,
• 8:36
  so
• 8:36
  I
• 8:37
  did.
• 8:37
  And
• 8:38
  there's
• 8:38
  a
• 8:39
  particular,
• 8:39
  I
• 8:39
  live
• 8:39
  in
• 8:40
  the
• 8:40
  Bay
• 8:40
  Area,
• 8:40
  and
• 8:40
  there's
• 8:40
  a
• 8:41
  particular
• 8:41
  triathlon
• 8:42
  here
• 8:42
  that's
• 8:42
  really
• 8:43
  special.
• 8:44
  It's
• 8:44
  called
• 8:44
  Escape
• 8:45
  from
• 8:45
  Alcatraz,
• 8:46
  where
• 8:46
  you
• 8:46
  go
• 8:46
  out
• 8:47
  on
• 8:47
  a
• 8:47
  boat
• 8:47
  to
• 8:48
  Alcatraz
• 8:48
  island,
• 8:49
  jump
• 8:49
  in
• 8:49
  the
• 8:49
  water
• 8:50
  and
• 8:51
  swim
• 8:51
  Back
• 8:51
  to
• 8:51
  San
• 8:52
  Francisco
• 8:52
  and
• 8:53
  do
• 8:53
  your
• 8:53
  biking
• 8:53
  run.
• 8:54
  I
• 8:55
  was
• 8:55
  a
• 8:55
  marine
• 8:55
  biologist
• 8:56
  at
• 8:56
  one
• 8:56
  point,
• 8:56
  and
• 8:57
  I've
• 8:57
  always
• 8:57
  been
• 8:57
  afraid
• 8:58
  of
• 8:58
  water.
• 8:58
  And
• 8:58
  so
• 8:59
  this
• 8:59
  swim
• 8:59
  was
• 9:00
  really
• 9:00
  scary
• 9:01
  for
• 9:01
  me.
• 9:02
  What
• 9:02
  I
• 9:03
  ended
• 9:03
  up
• 9:03
  doing
• 9:04
  was
• 9:04
  finding
• 9:05
  someone
• 9:05
  to
• 9:05
  swim
• 9:06
  with.
• 9:07
  The
• 9:07
  person
• 9:07
  that
• 9:08
  I
• 9:08
  ended
• 9:08
  up
• 9:08
  swimming
• 9:09
  with
• 9:09
  was
• 9:09
  even
• 9:10
  more
• 9:11
  afraid
• 9:11
  than
• 9:12
  I
• 9:12
  was.
• 9:13
  And
• 9:13
  so
• 9:13
  what
• 9:14
  ended
• 9:14
  up
• 9:14
  happening
• 9:15
  is
• 9:15
  I
• 9:15
  had
• 9:16
  to
• 9:16
  help
• 9:16
  him.
• 9:17
  That's
• 9:18
  the
• 9:18
  watt.
• 9:19
  I
• 9:19
  had
• 9:19
  to
• 9:19
  help
• 9:19
  him
• 9:19
  across
• 9:20
  the
• 9:20
  bay.
• 9:21
  And
• 9:21
  focusing
• 9:22
  on
• 9:22
  him
• 9:23
  rather
• 9:23
  than
• 9:24
  myself
• 9:25
  made
• 9:25
  my
• 9:25
  swim
• 9:26
  not
• 9:27
  scary
• 9:27
  at
• 9:27
  all.
• 9:28
  It
• 9:28
  was
• 9:28
  a
• 9:28
  great
• 9:28
  swim
• 9:29
  because
• 9:30
  I
• 9:30
  was
• 9:30
  so
• 9:30
  focused
• 9:31
  on
• 9:31
  making
• 9:31
  sure
• 9:31
  that
• 9:31
  this
• 9:32
  guy
• 9:32
  that
• 9:32
  I
• 9:32
  was
• 9:32
  swimming
• 9:33
  with
• 9:33
  was
• 9:33
  actually
• 9:35
  okay
• 9:35
  and
• 9:36
  that
• 9:36
  he
• 9:36
  was
• 9:37
  going
• 9:37
  to
• 9:37
  make
• 9:37
  it
• 9:37
  to
• 9:37
  the
• 9:38
  end.
• 9:38
  So
• 9:39
  when
• 9:39
  we
• 9:39
  help
• 9:40
  each
• 9:40
  other,
• 9:41
  there's
• 9:42
  something
• 9:42
  so
• 9:42
  powerful
• 9:43
  in
• 9:43
  that,
• 9:44
  and
• 9:44
  it
• 9:44
  brings
• 9:44
  so
• 9:45
  much
• 9:45
  joy
• 9:45
  to
• 9:45
  ourselves.
• 9:46
  I
• 9:46
  think
• 9:46
  we
• 9:46
  forget
• 9:47
  that
• 9:47
  sometimes.
• 9:49
  I
• 9:49
  think
• 9:49
  that's
• 9:50
  such
• 9:50
  a
• 9:50
  wonderful
• 9:51
  story,
• 9:51
  and
• 9:52
  it's
• 9:52
  a
• 9:52
  beautiful
• 9:52
  example,
• 9:53
  too,
• 9:53
  of
• 9:53
  how
• 9:54
  you
• 9:55
  didn't
• 9:55
  just
• 9:55
  say,
• 9:56
  oh,
• 9:56
  I'm
• 9:56
  afraid
• 9:56
  of
• 9:57
  that
• 9:57
  swim,
• 9:57
  so
• 9:57
  I'm
• 9:57
  not
• 9:58
  going
• 9:58
  to
• 9:58
  do
• 9:58
  it.
• 9:59
  In
• 9:59
  fact,
• 9:59
  I'm
• 9:59
  going
• 10:00
  to
• 10:00
  set
• 10:00
  myself
• 10:00
  up.
• 10:01
  I'm
• 10:01
  going
• 10:01
  to
• 10:01
  ask
• 10:01
  for
• 10:02
  help,
• 10:03
  which
• 10:03
  is
• 10:03
  not
• 10:03
  something
• 10:04
  that
• 10:04
  we're
• 10:04
  always
• 10:04
  very
• 10:05
  good
• 10:05
  at,
• 10:06
  and
• 10:06
  then
• 10:06
  it's
• 10:06
  going
• 10:07
  to
• 10:07
  work
• 10:07
  out
• 10:07
  where
• 10:08
  I
• 10:08
  have
• 10:08
  to
• 10:08
  help
• 10:09
  him.
• 10:09
  And
• 10:10
  what
• 10:10
  a
• 10:10
  beautiful
• 10:12
  metaphor
• 10:12
  for
• 10:12
  how
• 10:13
  to
• 10:13
  get
• 10:13
  inside
• 10:14
  our
• 10:14
  own
• 10:15
  resistance
• 10:17
  to
• 10:18
  doing
• 10:18
  big
• 10:18
  things
• 10:19
  in
• 10:19
  the
• 10:19
  world,
• 10:20
  like
• 10:20
  understanding
• 10:21
  our
• 10:21
  own
• 10:21
  psychology
• 10:22
  for
• 10:22
  what
• 10:22
  will
• 10:22
  make
• 10:23
  it
• 10:23
  possible
• 10:23
  for
• 10:24
  us
• 10:24
  to
• 10:24
  do
• 10:24
  that
• 10:25
  hard
• 10:25
  thing
• 10:26
  and
• 10:26
  not
• 10:27
  shrink
• 10:27
  away
• 10:27
  from
• 10:27
  it.
• 10:28
  And
• 10:28
  for
• 10:28
  women,
• 10:28
  I
• 10:29
  think
• 10:29
  that's
• 10:29
  a
• 10:30
  part
• 10:30
  of
• 10:30
  unlocking
• 10:30
  that
• 10:31
  I
• 10:31
  think
• 10:31
  is
• 10:31
  really
• 10:32
  keen.
• 10:33
  So
• 10:33
  I
• 10:33
  also,
• 10:34
  you
• 10:34
  know,
• 10:34
  I.
• 10:35
  I
• 10:35
  also.
• 10:35
  I.
• 10:36
  You
• 10:36
  talked
• 10:36
  about.
• 10:36
  You
• 10:37
  didn't
• 10:37
  talk
• 10:37
  about
• 10:37
  your
• 10:37
  mom.
• 10:39
  And
• 10:39
  so.
• 10:40
  So
• 10:41
  I
• 10:41
  would
• 10:41
  love
• 10:41
  for
• 10:41
  you
• 10:42
  to
• 10:42
  just
• 10:42
  tell
• 10:42
  a
• 10:43
  little
• 10:43
  bit
• 10:43
  about
• 10:43
  your
• 10:43
  mom
• 10:44
  and
• 10:44
  how
• 10:45
  her
• 10:45
  story
• 10:46
  has
• 10:46
  influenced
• 10:46
  your
• 10:47
  life.
• 10:47
  Because
• 10:47
  I
• 10:48
  know
• 10:48
  when
• 10:48
  I
• 10:48
  learned
• 10:49
  your
• 10:49
  story
• 10:49
  about
• 10:49
  your
• 10:50
  mom,
• 10:50
  I
• 10:50
  thought,
• 10:51
  wow,
• 10:52
  please
• 10:53
  tell
• 10:53
  the
• 10:53
  story
• 10:53
  about
• 10:53
  your
• 10:54
  mom.
• 10:54
  So,
• 10:54
  thanks.
• 10:55
  Thank
• 10:55
  you
• 10:55
  so
• 10:56
  much
• 10:56
  for
• 10:56
  asking
• 10:56
  that
• 10:57
  I
• 10:57
  dedicate
• 10:57
  my
• 10:58
  book
• 10:58
  to
• 10:58
  my
• 10:58
  mom,
• 10:58
  because
• 11:00
  I
• 11:00
  know
• 11:00
  for
• 11:01
  a
• 11:01
  fact
• 11:01
  that
• 11:01
  I
• 11:02
  would
• 11:02
  not
• 11:02
  be
• 11:02
  in
• 11:02
  the
• 11:02
  position
• 11:03
  I
• 11:03
  am
• 11:03
  today
• 11:03
  if
• 11:04
  not
• 11:04
  for
• 11:04
  her.
• 11:05
  My
• 11:05
  mom
• 11:05
  grew
• 11:06
  up
• 11:06
  in
• 11:06
  the
• 11:06
  Depression.
• 11:07
  Money
• 11:07
  was
• 11:08
  always
• 11:08
  a
• 11:08
  big
• 11:08
  deal
• 11:09
  for
• 11:09
  her,
• 11:09
  so
• 11:09
  it
• 11:09
  was
• 11:09
  a
• 11:09
  big
• 11:10
  deal
• 11:10
  in
• 11:10
  our
• 11:10
  family.
• 11:11
  But
• 11:12
  what.
• 11:12
  My
• 11:12
  mom
• 11:13
  ended
• 11:13
  up
• 11:13
  going
• 11:13
  into
• 11:14
  real
• 11:14
  estate
• 11:14
  and
• 11:15
  started
• 11:16
  flipping
• 11:17
  houses,
• 11:17
  going
• 11:18
  and
• 11:18
  buying
• 11:19
  houses
• 11:20
  that
• 11:20
  were
• 11:20
  foreclosed
• 11:21
  on
• 11:22
  on
• 11:22
  the
• 11:22
  court
• 11:22
  steps,
• 11:23
  not
• 11:23
  even
• 11:23
  knowing
• 11:24
  what
• 11:24
  was
• 11:24
  in
• 11:24
  them
• 11:25
  and
• 11:25
  buying
• 11:26
  them.
• 11:26
  And
• 11:27
  then
• 11:28
  we
• 11:28
  were
• 11:28
  her
• 11:28
  crew.
• 11:29
  My
• 11:29
  sisters
• 11:29
  and
• 11:29
  I
• 11:30
  were
• 11:30
  her
• 11:30
  crew.
• 11:30
  We'd
• 11:30
  go
• 11:30
  in,
• 11:31
  in
• 11:31
  the
• 11:31
  summers,
• 11:31
  we'd
• 11:31
  repaint,
• 11:32
  we'd
• 11:32
  strip
• 11:32
  floors
• 11:33
  we'd
• 11:33
  fix
• 11:33
  things,
• 11:34
  we'd
• 11:34
  help
• 11:35
  her
• 11:35
  get
• 11:35
  the
• 11:36
  houses
• 11:36
  ready.
• 11:37
  My
• 11:37
  mom
• 11:37
  taught
• 11:38
  me
• 11:38
  through
• 11:38
  exposure
• 11:40
  about
• 11:40
  how
• 11:40
  to
• 11:41
  buy
• 11:41
  and
• 11:41
  be
• 11:42
  successful
• 11:42
  with
• 11:42
  real
• 11:43
  estate.
• 11:43
  She
• 11:44
  started
• 11:44
  investing
• 11:45
  in
• 11:45
  the
• 11:45
  stock
• 11:45
  market
• 11:45
  in
• 11:46
  the
• 11:46
  1980s.
• 11:47
  She
• 11:47
  taught
• 11:47
  us
• 11:48
  because
• 11:48
  she
• 11:48
  was
• 11:48
  really
• 11:49
  transparent
• 11:50
  about
• 11:50
  this.
• 11:51
  And
• 11:51
  I
• 11:52
  learned
• 11:52
  so
• 11:52
  much
• 11:53
  from
• 11:53
  her
• 11:53
  around
• 11:54
  how
• 11:54
  to
• 11:54
  be
• 11:55
  smart
• 11:55
  around
• 11:56
  money.
• 11:57
  She
• 11:57
  always
• 11:58
  told
• 11:58
  us
• 11:58
  how
• 11:58
  much
• 11:59
  she
• 11:59
  was
• 11:59
  worth.
• 11:59
  We
• 12:00
  knew
• 12:00
  it.
• 12:01
  She
• 12:02
  started
• 12:02
  divesting
• 12:03
  herself
• 12:03
  of
• 12:03
  her
• 12:04
  assets
• 12:04
  before
• 12:04
  she
• 12:05
  even
• 12:05
  died.
• 12:06
  There
• 12:06
  was
• 12:07
  so
• 12:07
  much
• 12:07
  trust
• 12:08
  between
• 12:08
  my
• 12:09
  mom,
• 12:09
  my
• 12:09
  sister
• 12:09
  and
• 12:10
  I
• 12:10
  because
• 12:10
  of
• 12:10
  the
• 12:10
  openness
• 12:11
  that
• 12:11
  my
• 12:11
  mom
• 12:12
  had
• 12:12
  around
• 12:12
  money.
• 12:13
  She
• 12:13
  actually
• 12:14
  moved
• 12:14
  assets
• 12:15
  to
• 12:15
  us
• 12:15
  under
• 12:15
  our
• 12:16
  names
• 12:16
  while
• 12:16
  she
• 12:16
  was
• 12:17
  still
• 12:17
  alive.
• 12:18
  And
• 12:18
  we
• 12:19
  all
• 12:19
  knew
• 12:19
  we
• 12:19
  were
• 12:20
  not
• 12:20
  to
• 12:20
  touch
• 12:20
  that
• 12:20
  money
• 12:21
  until
• 12:21
  my
• 12:22
  mom
• 12:22
  wasn't
• 12:22
  with
• 12:22
  us
• 12:23
  anymore.
• 12:23
  She
• 12:24
  trusted
• 12:24
  us
• 12:25
  enough
• 12:25
  with
• 12:26
  her
• 12:26
  own
• 12:26
  well
• 12:27
  being.
• 12:27
  When
• 12:28
  she
• 12:28
  passed
• 12:28
  away,
• 12:29
  there
• 12:29
  was
• 12:30
  no
• 12:31
  issue
• 12:32
  about
• 12:32
  money
• 12:33
  at
• 12:33
  all.
• 12:33
  My
• 12:33
  sister
• 12:33
  and
• 12:34
  I
• 12:34
  both
• 12:34
  had
• 12:34
  gotten
• 12:35
  exactly
• 12:35
  the
• 12:35
  same
• 12:36
  thing.
• 12:36
  I
• 12:36
  can't
• 12:37
  tell
• 12:37
  you
• 12:37
  what
• 12:37
  a
• 12:37
  gift
• 12:38
  it
• 12:38
  was
• 12:38
  the
• 12:38
  way
• 12:39
  my
• 12:39
  mom
• 12:39
  handled
• 12:40
  money
• 12:40
  and
• 12:41
  handled
• 12:41
  talking
• 12:42
  to
• 12:42
  us
• 12:42
  about
• 12:42
  it.
• 12:43
  It
• 12:43
  was
• 12:43
  a
• 12:43
  gift
• 12:43
  on
• 12:44
  so
• 12:44
  many
• 12:44
  levels
• 12:45
  at
• 12:45
  different
• 12:45
  points,
• 12:45
  points
• 12:45
  in
• 12:46
  my
• 12:46
  life.
• 12:47
  It's
• 12:47
  incredible,
• 12:48
  actually.
• 12:49
  It
• 12:50
  is
• 12:50
  incredible.
• 12:51
  She's
• 12:51
  way
• 12:51
  ahead
• 12:52
  of
• 12:52
  her
• 12:52
  time,
• 12:52
  you
• 12:53
  know,
• 12:53
  and
• 12:53
  I
• 12:54
  feel
• 12:54
  like
• 12:54
  women
• 12:54
  have,
• 12:55
  myself
• 12:56
  included,
• 12:56
  hesitance,
• 12:57
  insecurity
• 12:59
  about
• 13:00
  how
• 13:00
  to
• 13:01
  take
• 13:01
  the
• 13:01
  lead
• 13:02
  with
• 13:02
  money.
• 13:03
  I'd
• 13:03
  love
• 13:03
  for
• 13:03
  you
• 13:04
  to
• 13:04
  talk
• 13:04
  a
• 13:04
  little
• 13:04
  bit
• 13:04
  about
• 13:05
  that
• 13:05
  because
• 13:05
  I
• 13:05
  know
• 13:05
  that's
• 13:06
  a
• 13:06
  big
• 13:06
  part
• 13:06
  of
• 13:07
  your
• 13:08
  mission
• 13:09
  to
• 13:09
  empower
• 13:10
  us.
• 13:11
  Whether
• 13:12
  you
• 13:12
  have
• 13:12
  some
• 13:12
  cash
• 13:13
  in
• 13:13
  a
• 13:13
  checking
• 13:13
  account
• 13:14
  where
• 13:14
  you
• 13:14
  have
• 13:16
  lots
• 13:16
  to
• 13:16
  invest.
• 13:17
  Right.
• 13:18
  There's.
• 13:18
  You
• 13:18
  are
• 13:19
  very
• 13:19
  focused
• 13:20
  on
• 13:20
  making
• 13:21
  it
• 13:21
  accessible
• 13:22
  for
• 13:22
  women
• 13:22
  to
• 13:22
  learn
• 13:23
  about
• 13:24
  the
• 13:24
  power
• 13:25
  of
• 13:25
  money.
• 13:25
  Tell
• 13:26
  us
• 13:26
  about
• 13:26
  what
• 13:26
  holds
• 13:27
  us
• 13:27
  back
• 13:27
  in
• 13:28
  your
• 13:28
  experience.
• 13:29
  So
• 13:29
  I
• 13:29
  think
• 13:30
  it's
• 13:30
  a
• 13:30
  couple
• 13:30
  of
• 13:30
  things.
• 13:31
  It's
• 13:31
  a
• 13:31
  lack
• 13:31
  of
• 13:31
  confidence.
• 13:33
  Most
• 13:33
  of
• 13:33
  us
• 13:33
  really
• 13:34
  haven't
• 13:34
  been
• 13:34
  trained
• 13:35
  around
• 13:35
  this
• 13:35
  at
• 13:36
  all.
• 13:36
  And.
• 13:37
  And
• 13:37
  so
• 13:37
  we're
• 13:37
  afraid.
• 13:38
  We
• 13:38
  are
• 13:38
  afraid
• 13:39
  of
• 13:39
  making
• 13:39
  a
• 13:39
  mistake.
• 13:40
  And
• 13:41
  then
• 13:41
  the
• 13:41
  other
• 13:41
  thing
• 13:42
  is
• 13:42
  we
• 13:42
  often
• 13:43
  think
• 13:44
  that
• 13:44
  we
• 13:44
  have
• 13:44
  to
• 13:44
  be
• 13:45
  experts
• 13:45
  at
• 13:45
  everything
• 13:46
  before
• 13:46
  we
• 13:46
  can
• 13:46
  do
• 13:47
  anything.
• 13:47
  We
• 13:47
  have
• 13:47
  to
• 13:48
  know
• 13:48
  everything.
• 13:48
  We
• 13:49
  have
• 13:49
  to
• 13:49
  know
• 13:49
  how
• 13:49
  to
• 13:50
  dot
• 13:50
  every
• 13:50
  I
• 13:51
  and
• 13:51
  cross
• 13:51
  every
• 13:51
  T.
• 13:52
  And
• 13:53
  so
• 13:53
  we're
• 13:53
  reluctant
• 13:54
  to
• 13:54
  take
• 13:54
  a
• 13:54
  first
• 13:54
  step
• 13:55
  because
• 13:55
  we
• 13:55
  might
• 13:56
  make
• 13:56
  a
• 13:56
  mistake
• 13:57
  and
• 13:57
  we
• 13:57
  could
• 13:58
  lose
• 13:58
  money.
• 13:59
  And
• 13:59
  so
• 14:00
  we're
• 14:00
  really
• 14:00
  afraid.
• 14:01
  And
• 14:01
  what
• 14:01
  I
• 14:02
  will
• 14:02
  tell
• 14:02
  you
• 14:02
  is
• 14:02
  when
• 14:03
  you
• 14:03
  invest,
• 14:04
  you
• 14:04
  will
• 14:04
  lose
• 14:04
  money.
• 14:05
  Just
• 14:06
  expect
• 14:06
  it.
• 14:06
  It's
• 14:07
  part
• 14:07
  of
• 14:07
  the
• 14:07
  process.
• 14:08
  The
• 14:08
  market
• 14:08
  will
• 14:09
  go
• 14:09
  down,
• 14:09
  you
• 14:09
  will
• 14:10
  lose
• 14:10
  money.
• 14:11
  You
• 14:11
  will
• 14:11
  also
• 14:12
  get
• 14:12
  better
• 14:13
  at
• 14:13
  it
• 14:13
  and
• 14:13
  you
• 14:13
  will
• 14:14
  learn
• 14:14
  and
• 14:14
  you'll
• 14:15
  make
• 14:15
  money
• 14:15
  ultimately.
• 14:16
  So
• 14:16
  it's
• 14:16
  only
• 14:17
  by
• 14:17
  starting
• 14:18
  and
• 14:18
  taking
• 14:19
  steps
• 14:19
  and
• 14:20
  doing
• 14:20
  things
• 14:20
  that
• 14:20
  are
• 14:21
  small
• 14:21
  at
• 14:21
  first,
• 14:22
  build
• 14:22
  your
• 14:23
  confidence
• 14:24
  and
• 14:24
  then
• 14:24
  take
• 14:25
  a
• 14:25
  bigger
• 14:25
  step
• 14:25
  once
• 14:26
  you
• 14:26
  have
• 14:26
  your
• 14:26
  confidence.
• 14:26
  So
• 14:27
  I
• 14:27
  really
• 14:27
  think
• 14:27
  it's
• 14:27
  about
• 14:28
  confidence.
• 14:29
  There's
• 14:29
  no
• 14:29
  way
• 14:29
  to
• 14:30
  build
• 14:30
  confidence
• 14:30
  in
• 14:31
  anything
• 14:31
  without
• 14:32
  taking
• 14:32
  steps.
• 14:32
  And
• 14:33
  that's
• 14:33
  one
• 14:33
  of
• 14:33
  the
• 14:33
  things
• 14:33
  I
• 14:33
  love
• 14:34
  about
• 14:34
  your
• 14:34
  book.
• 14:35
  It
• 14:35
  really
• 14:35
  is
• 14:36
  a
• 14:37
  step
• 14:37
  by
• 14:37
  step
• 14:37
  at
• 14:37
  hand.
• 14:38
  It
• 14:38
  really
• 14:38
  does
• 14:39
  help
• 14:39
  you.
• 14:39
  And
• 14:39
  it's
• 14:40
  not
• 14:40
  just
• 14:40
  investing,
• 14:41
  it's
• 14:41
  values
• 14:41
  investing.
• 14:42
  Right.
• 14:43
  So
• 14:43
  walk
• 14:44
  us
• 14:44
  through.
• 14:44
  What
• 14:44
  is
• 14:45
  values
• 14:45
  investing
• 14:46
  and
• 14:47
  why
• 14:48
  should
• 14:48
  we
• 14:48
  want
• 14:49
  to
• 14:49
  do
• 14:49
  this?
• 14:50
  The
• 14:50
  reason?
• 14:51
  Well,
• 14:51
  first
• 14:51
  of
• 14:52
  all,
• 14:52
  what
• 14:52
  Values
• 14:53
  Aligned
• 14:53
  investing
• 14:53
  is,
• 14:54
  is
• 14:54
  it
• 14:54
  is
• 14:55
  being
• 14:55
  conscious
• 14:56
  of
• 14:57
  the
• 14:57
  impact
• 14:57
  that
• 14:58
  your
• 14:58
  money
• 14:58
  is
• 14:58
  having
• 14:59
  in
• 14:59
  the
• 14:59
  world.
• 15:00
  Because
• 15:00
  whether
• 15:00
  you
• 15:01
  realize
• 15:01
  it
• 15:01
  or
• 15:01
  not,
• 15:02
  every
• 15:02
  single
• 15:03
  dollar
• 15:03
  you
• 15:03
  have,
• 15:04
  even
• 15:04
  the
• 15:04
  dollars
• 15:04
  you
• 15:05
  have
• 15:05
  in
• 15:05
  the
• 15:05
  bank,
• 15:06
  are
• 15:06
  being
• 15:06
  used
• 15:07
  by
• 15:07
  someone
• 15:07
  to
• 15:07
  some
• 15:08
  end.
• 15:08
  If
• 15:09
  you're
• 15:09
  not
• 15:09
  paying
• 15:10
  attention,
• 15:11
  chances
• 15:11
  are
• 15:12
  that
• 15:13
  the
• 15:13
  end
• 15:13
  to
• 15:14
  which
• 15:14
  they're
• 15:14
  being
• 15:15
  used
• 15:16
  are
• 15:16
  against
• 15:17
  things
• 15:17
  that
• 15:17
  you
• 15:18
  care
• 15:18
  about.
• 15:19
  I
• 15:19
  mean,
• 15:19
  maybe
• 15:20
  you
• 15:20
  want
• 15:20
  to
• 15:20
  see
• 15:21
  a
• 15:21
  safer,
• 15:21
  less
• 15:22
  violent
• 15:22
  country
• 15:22
  and
• 15:23
  you're
• 15:23
  invested
• 15:23
  in
• 15:23
  the
• 15:23
  gun
• 15:24
  industry.
• 15:25
  Maybe
• 15:25
  you
• 15:26
  want
• 15:26
  to
• 15:26
  see
• 15:27
  a
• 15:28
  sustainable
• 15:28
  planet
• 15:29
  that
• 15:29
  we
• 15:29
  can
• 15:29
  pass
• 15:29
  on
• 15:30
  to
• 15:30
  our
• 15:30
  kids
• 15:30
  and
• 15:30
  our
• 15:31
  grandkids.
• 15:31
  I
• 15:31
  will
• 15:32
  bet
• 15:32
  that
• 15:32
  you
• 15:32
  are
• 15:33
  more
• 15:33
  invested
• 15:34
  in
• 15:34
  the
• 15:34
  oil
• 15:34
  and
• 15:34
  gas
• 15:35
  industry
• 15:35
  than
• 15:35
  you
• 15:35
  are
• 15:36
  in
• 15:36
  alternative
• 15:37
  energies.
• 15:37
  Right.
• 15:38
  Maybe
• 15:39
  you
• 15:39
  care
• 15:40
  about
• 15:40
  uplifting
• 15:41
  other
• 15:41
  women.
• 15:42
  I
• 15:42
  would
• 15:42
  bet
• 15:42
  that
• 15:43
  you're
• 15:43
  not
• 15:43
  necessarily
• 15:44
  invested
• 15:44
  in
• 15:45
  companies
• 15:45
  or
• 15:45
  funds
• 15:46
  or
• 15:46
  other
• 15:46
  types
• 15:47
  of
• 15:47
  entities
• 15:48
  that
• 15:48
  are
• 15:48
  helping
• 15:49
  uplift
• 15:49
  women.
• 15:50
  This
• 15:50
  is
• 15:50
  really
• 15:51
  about
• 15:51
  first
• 15:52
  being
• 15:52
  conscious
• 15:52
  of
• 15:53
  what
• 15:53
  are
• 15:53
  your
• 15:53
  values
• 15:53
  and
• 15:54
  what
• 15:54
  are
• 15:54
  your
• 15:54
  priorities
• 15:55
  then,
• 15:55
  and
• 15:56
  then
• 15:56
  being
• 15:56
  conscious
• 15:57
  about
• 15:57
  how
• 15:58
  your
• 15:58
  money
• 15:58
  is
• 15:58
  investing
• 15:59
  and
• 15:59
  whether
• 15:59
  it's
• 15:59
  supporting
• 16:00
  those
• 16:00
  things
• 16:01
  or
• 16:01
  undermining
• 16:02
  those
• 16:02
  things.
• 16:03
  I
• 16:03
  love
• 16:03
  it.
• 16:04
  There's
• 16:04
  a
• 16:04
  whole
• 16:04
  section
• 16:05
  that's
• 16:05
  on
• 16:05
  values
• 16:06
  helping
• 16:07
  you
• 16:07
  figure
• 16:08
  out
• 16:08
  what
• 16:08
  your
• 16:08
  priorities
• 16:09
  are.
• 16:09
  Highly
• 16:09
  encourage
• 16:10
  our
• 16:10
  listeners
• 16:11
  to
• 16:11
  pick
• 16:11
  up
• 16:11
  the
• 16:11
  book
• 16:12
  and
• 16:12
  go
• 16:13
  through
• 16:13
  and
• 16:13
  read
• 16:13
  that.
• 16:13
  But
• 16:14
  what
• 16:14
  I
• 16:14
  really
• 16:14
  would
• 16:14
  love
• 16:15
  to
• 16:15
  do
• 16:15
  is
• 16:15
  get
• 16:15
  really
• 16:16
  tangible
• 16:17
  and
• 16:17
  talk
• 16:17
  about
• 16:18
  because
• 16:18
  I
• 16:19
  think
• 16:19
  it
• 16:19
  will
• 16:19
  illustrate
• 16:20
  more
• 16:20
  clearly
• 16:21
  what
• 16:21
  you
• 16:21
  mean
• 16:22
  and
• 16:23
  what
• 16:23
  we
• 16:24
  should
• 16:24
  be
• 16:24
  doing.
• 16:24
  I
• 16:25
  literally
• 16:25
  want
• 16:25
  your
• 16:25
  advice.
• 16:27
  Where
• 16:27
  should
• 16:27
  I
• 16:27
  be
• 16:28
  putting
• 16:28
  my
• 16:28
  cash?
• 16:29
  What
• 16:29
  are
• 16:29
  better
• 16:30
  options
• 16:30
  for
• 16:31
  bonds
• 16:31
  and
• 16:31
  fixed
• 16:32
  income?
• 16:33
  Like
• 16:34
  educate
• 16:34
  me
• 16:34
  on
• 16:35
  options
• 16:35
  for
• 16:35
  equities
• 16:36
  and
• 16:36
  alternative
• 16:37
  investments.
• 16:38
  How
• 16:38
  could
• 16:38
  I?
• 16:39
  You
• 16:39
  know,
• 16:40
  and
• 16:40
  some
• 16:40
  of
• 16:40
  our
• 16:40
  listeners
• 16:41
  might
• 16:41
  have
• 16:41
  money
• 16:42
  in
• 16:42
  the
• 16:42
  bank
• 16:42
  that's
• 16:42
  just
• 16:43
  sitting
• 16:43
  in
• 16:43
  a
• 16:43
  401k
• 16:44
  or
• 16:45
  an
• 16:45
  IRA
• 16:45
  or
• 16:45
  something
• 16:46
  where
• 16:47
  others
• 16:47
  might
• 16:47
  have
• 16:47
  more.
• 16:48
  So
• 16:48
  tell
• 16:48
  me
• 16:48
  what
• 16:49
  I
• 16:49
  should
• 16:49
  do
• 16:49
  with
• 16:49
  my
• 16:50
  money.
• 16:51
  Okay,
• 16:51
  so
• 16:51
  first
• 16:51
  of
• 16:52
  all,
• 16:52
  you
• 16:52
  need
• 16:52
  to
• 16:52
  know
• 16:52
  that
• 16:53
  I
• 16:53
  am
• 16:53
  not
• 16:53
  a
• 16:53
  financial
• 16:54
  advisor
• 16:54
  certified
• 16:55
  to
• 16:55
  tell
• 16:55
  you
• 16:55
  what
• 16:56
  to
• 16:56
  do
• 16:56
  with
• 16:56
  your
• 16:56
  money.
• 16:56
  What
• 16:57
  I
• 16:57
  can
• 16:57
  do
• 16:58
  is
• 16:58
  share
• 16:58
  what
• 16:59
  I
• 16:59
  have
• 16:59
  done
• 16:59
  with
• 16:59
  some
• 17:00
  of
• 17:00
  mine
• 17:00
  in
• 17:00
  terms
• 17:00
  of
• 17:01
  my
• 17:01
  cash.
• 17:01
  I
• 17:01
  have
• 17:02
  moved
• 17:02
  all
• 17:02
  of
• 17:02
  my
• 17:03
  cash.
• 17:03
  So
• 17:04
  the
• 17:04
  way
• 17:04
  the
• 17:04
  book
• 17:04
  is
• 17:05
  written,
• 17:05
  you're
• 17:05
  right,
• 17:05
  there
• 17:06
  is
• 17:06
  a
• 17:06
  section
• 17:06
  on
• 17:07
  your
• 17:07
  values
• 17:07
  and
• 17:07
  what
• 17:08
  this
• 17:08
  kind
• 17:08
  of
• 17:08
  investing
• 17:09
  is
• 17:09
  and
• 17:09
  why
• 17:10
  we
• 17:10
  do
• 17:10
  it.
• 17:10
  Then
• 17:11
  there's
• 17:11
  a
• 17:11
  section
• 17:12
  that
• 17:12
  goes
• 17:12
  asset
• 17:12
  class
• 17:13
  by
• 17:13
  asset
• 17:13
  class
• 17:13
  and
• 17:14
  in
• 17:14
  asset
• 17:14
  class,
• 17:15
  for
• 17:15
  those
• 17:15
  who
• 17:15
  don't
• 17:16
  know
• 17:16
  what
• 17:16
  it
• 17:16
  is,
• 17:17
  is
• 17:17
  a
• 17:17
  category
• 17:18
  of
• 17:18
  investment
• 17:19
  where
• 17:19
  there's
• 17:20
  an
• 17:20
  expected
• 17:21
  return,
• 17:21
  risk
• 17:22
  profile,
• 17:23
  cash
• 17:23
  is
• 17:24
  an
• 17:24
  asset
• 17:24
  class.
• 17:25
  When
• 17:25
  you
• 17:25
  invest
• 17:26
  your
• 17:26
  cash
• 17:26
  in
• 17:26
  a
• 17:27
  bank,
• 17:27
  in
• 17:27
  a
• 17:28
  checking
• 17:28
  account,
• 17:28
  savings
• 17:29
  account,
• 17:29
  money
• 17:29
  market,
• 17:30
  whatever,
• 17:31
  you
• 17:31
  are
• 17:32
  expecting
• 17:32
  that
• 17:33
  that
• 17:33
  money
• 17:33
  will
• 17:33
  be
• 17:34
  safe
• 17:35
  and
• 17:35
  that
• 17:35
  you
• 17:36
  will
• 17:36
  get
• 17:36
  basically
• 17:37
  no
• 17:37
  money
• 17:38
  interest
• 17:39
  for
• 17:39
  it.
• 17:39
  You
• 17:39
  don't
• 17:39
  expect
• 17:40
  much
• 17:40
  of
• 17:40
  a
• 17:40
  return
• 17:41
  for
• 17:41
  the
• 17:42
  safety
• 17:42
  you're
• 17:42
  getting.
• 17:43
  That
• 17:43
  changes
• 17:44
  with
• 17:44
  other
• 17:44
  asset
• 17:45
  classes
• 17:45
  like
• 17:45
  the
• 17:45
  stock
• 17:46
  market,
• 17:46
  where
• 17:47
  your
• 17:47
  money
• 17:48
  can
• 17:48
  go
• 17:49
  up
• 17:49
  and
• 17:49
  down
• 17:49
  in
• 17:50
  value.
• 17:51
  There's
• 17:51
  more
• 17:51
  risk
• 17:51
  with
• 17:52
  also
• 17:52
  greater
• 17:52
  upside
• 17:53
  potential.
• 17:53
  There's
• 17:53
  a
• 17:53
  section
• 17:54
  in
• 17:54
  the
• 17:54
  book
• 17:54
  that
• 17:54
  goes
• 17:54
  through
• 17:55
  different
• 17:55
  asset
• 17:55
  classes
• 17:56
  and
• 17:56
  the
• 17:56
  first
• 17:56
  chapter
• 17:56
  I
• 17:56
  wrote
• 17:57
  was
• 17:57
  on
• 17:57
  cash.
• 17:58
  So
• 17:58
  I
• 17:58
  started
• 17:58
  moving
• 17:59
  my
• 17:59
  money
• 17:59
  into
• 18:00
  different
• 18:00
  banks
• 18:00
  to
• 18:01
  see
• 18:01
  what
• 18:02
  that
• 18:02
  was
• 18:02
  like.
• 18:03
  And
• 18:03
  I
• 18:03
  now
• 18:03
  have
• 18:04
  three
• 18:04
  different
• 18:04
  accounts.
• 18:05
  I
• 18:06
  have
• 18:06
  some
• 18:06
  of
• 18:07
  my
• 18:07
  money
• 18:07
  in
• 18:07
  a
• 18:07
  bank
• 18:08
  in
• 18:08
  Oakland
• 18:09
  called
• 18:09
  Beneficial
• 18:10
  State
• 18:10
  Bank.
• 18:11
  It's
• 18:11
  a
• 18:11
  triple
• 18:11
  bottom
• 18:12
  line
• 18:12
  bank.
• 18:13
  And
• 18:13
  they
• 18:14
  provide
• 18:14
  loans
• 18:15
  to
• 18:15
  people
• 18:16
  who
• 18:16
  are
• 18:16
  underserved
• 18:17
  in
• 18:18
  my
• 18:19
  community.
• 18:20
  And
• 18:21
  many
• 18:21
  of
• 18:21
  those
• 18:21
  people
• 18:22
  are
• 18:22
  women
• 18:23
  looking
• 18:23
  for
• 18:23
  loans
• 18:24
  for
• 18:24
  homes,
• 18:24
  cars,
• 18:25
  school
• 18:26
  or
• 18:26
  businesses
• 18:27
  which
• 18:28
  would
• 18:28
  not
• 18:28
  otherwise
• 18:29
  get
• 18:29
  that
• 18:29
  capital
• 18:30
  from
• 18:30
  a
• 18:30
  bigger
• 18:31
  bank.
• 18:31
  But
• 18:31
  because
• 18:31
  this
• 18:32
  is
• 18:32
  a
• 18:32
  community
• 18:32
  bank,
• 18:33
  they
• 18:33
  get
• 18:33
  it
• 18:33
  from
• 18:34
  that
• 18:34
  bank.
• 18:35
  I
• 18:35
  also
• 18:35
  have
• 18:36
  some
• 18:36
  of
• 18:36
  my
• 18:36
  money,
• 18:37
  some
• 18:37
  of
• 18:38
  my
• 18:38
  fixed
• 18:38
  income
• 18:39
  actually
• 18:39
  is
• 18:39
  in
• 18:40
  a
• 18:40
  certificate
• 18:41
  of
• 18:41
  deposit
• 18:42
  with
• 18:42
  a
• 18:43
  bank
• 18:43
  in
• 18:43
  Florida
• 18:44
  called
• 18:44
  First
• 18:45
  Climate
• 18:45
  Bank.
• 18:45
  It's
• 18:46
  either
• 18:46
  Climate
• 18:47
  first
• 18:47
  or
• 18:47
  First
• 18:47
  Climate.
• 18:48
  The
• 18:48
  name
• 18:49
  is
• 18:49
  escaping
• 18:49
  me
• 18:49
  right
• 18:50
  now.
• 18:50
  But
• 18:50
  what
• 18:51
  they
• 18:51
  do
• 18:51
  is
• 18:51
  give
• 18:52
  loans
• 18:52
  to
• 18:52
  people
• 18:53
  who
• 18:53
  are
• 18:53
  looking
• 18:54
  for.
• 18:56
  EV.
• 18:57
  Or
• 18:58
  solar
• 18:59
  panels
• 18:59
  or
• 18:59
  they
• 18:59
  want
• 19:00
  to
• 19:00
  do
• 19:00
  something,
• 19:00
  they
• 19:00
  want
• 19:01
  to
• 19:01
  invest
• 19:01
  in
• 19:01
  something
• 19:01
  that
• 19:02
  is
• 19:02
  a
• 19:02
  climate
• 19:03
  forward
• 19:03
  technology.
• 19:04
  This
• 19:04
  bank
• 19:04
  will
• 19:04
  give
• 19:05
  them
• 19:05
  loans
• 19:05
  for
• 19:05
  that.
• 19:05
  So
• 19:06
  it's
• 19:06
  very
• 19:06
  climate
• 19:06
  focused
• 19:07
  bank.
• 19:07
  So
• 19:07
  that's
• 19:08
  just
• 19:08
  two
• 19:08
  examples.
• 19:09
  But
• 19:09
  there
• 19:09
  are
• 19:09
  banks
• 19:10
  that
• 19:10
  support
• 19:10
  women,
• 19:11
  there
• 19:11
  are
• 19:11
  banks
• 19:12
  that
• 19:12
  support
• 19:13
  small
• 19:14
  agriculture.
• 19:14
  There
• 19:15
  are
• 19:15
  banks
• 19:15
  in
• 19:15
  your
• 19:16
  community.
• 19:16
  There
• 19:16
  are
• 19:16
  banks
• 19:17
  that
• 19:17
  are
• 19:17
  run
• 19:18
  by
• 19:18
  black
• 19:18
  people,
• 19:19
  there
• 19:19
  are
• 19:19
  banks
• 19:19
  that
• 19:19
  are
• 19:20
  run
• 19:20
  by
• 19:20
  indigenous
• 19:21
  people.
• 19:21
  So
• 19:22
  there's
• 19:22
  all
• 19:22
  kinds
• 19:23
  of
• 19:23
  choice.
• 19:24
  I
• 19:24
  already
• 19:24
  mentioned
• 19:25
  something
• 19:25
  that
• 19:25
  I
• 19:25
  did
• 19:26
  in
• 19:26
  fixed
• 19:26
  income.
• 19:26
  But
• 19:27
  another
• 19:27
  thing
• 19:27
  I
• 19:27
  do
• 19:28
  is
• 19:28
  I
• 19:28
  have
• 19:28
  a
• 19:28
  financial
• 19:29
  advisor
• 19:29
  who
• 19:30
  buys
• 19:30
  and
• 19:31
  sells
• 19:31
  bonds
• 19:32
  for
• 19:32
  me.
• 19:32
  I
• 19:32
  gave
• 19:33
  her
• 19:33
  a
• 19:33
  chunk
• 19:34
  of
• 19:34
  my
• 19:34
  money
• 19:35
  and
• 19:35
  said,
• 19:35
  I
• 19:35
  want
• 19:36
  you
• 19:36
  to
• 19:36
  manage
• 19:36
  my
• 19:37
  bond
• 19:37
  portfolio.
• 19:38
  She
• 19:38
  knows
• 19:39
  what
• 19:39
  my
• 19:39
  values
• 19:39
  are,
• 19:40
  so
• 19:40
  she's
• 19:41
  buying
• 19:41
  things
• 19:42
  for
• 19:42
  specifically
• 19:43
  for
• 19:43
  me.
• 19:44
  So
• 19:44
  you
• 19:44
  brought
• 19:45
  up
• 19:45
  my
• 19:45
  mom.
• 19:46
  A
• 19:46
  great
• 19:46
  example
• 19:47
  is
• 19:47
  I
• 19:47
  own
• 19:48
  A
• 19:48
  bond
• 19:49
  in
• 19:49
  the
• 19:50
  Lucille
• 19:50
  Packard
• 19:51
  Children's
• 19:52
  Hospital
• 19:52
  based
• 19:52
  in
• 19:53
  the
• 19:53
  Bay
• 19:53
  Area.
• 19:53
  And
• 19:54
  it
• 19:54
  is
• 19:54
  for
• 19:54
  children
• 19:55
  in
• 19:55
  their
• 19:55
  families
• 19:55
  who
• 19:56
  have
• 19:56
  acute
• 19:56
  or
• 19:57
  terminal
• 19:57
  illnesses.
• 19:59
  And
• 19:59
  I
• 19:59
  wanted
• 20:00
  to
• 20:00
  expand
• 20:01
  the
• 20:01
  hospital.
• 20:02
  They
• 20:02
  also
• 20:02
  have
• 20:03
  a
• 20:03
  hotel
• 20:04
  facility
• 20:04
  there
• 20:05
  for
• 20:05
  the
• 20:05
  families
• 20:06
  to
• 20:06
  stay
• 20:06
  when
• 20:07
  their
• 20:07
  kids
• 20:07
  are
• 20:07
  being
• 20:08
  treated.
• 20:09
  And
• 20:09
  my
• 20:10
  mom
• 20:10
  always
• 20:10
  gave
• 20:11
  to
• 20:11
  that
• 20:12
  hospital
• 20:12
  philanthropically
• 20:13
  when
• 20:13
  she
• 20:14
  was
• 20:14
  alive.
• 20:15
  And
• 20:15
  so
• 20:15
  this
• 20:16
  bond
• 20:16
  became
• 20:16
  available
• 20:17
  for
• 20:17
  the
• 20:18
  expansion
• 20:18
  and
• 20:19
  I
• 20:20
  bought
• 20:20
  into
• 20:21
  that
• 20:21
  bond
• 20:21
  and
• 20:22
  I
• 20:22
  feel
• 20:22
  like
• 20:23
  by
• 20:23
  owning
• 20:23
  it
• 20:24
  I'm
• 20:24
  doing
• 20:25
  a
• 20:25
  good
• 20:25
  thing.
• 20:26
  I'm
• 20:26
  supporting
• 20:27
  my
• 20:27
  mom's
• 20:28
  legacy
• 20:29
  and
• 20:29
  I'm
• 20:29
  getting
• 20:29
  a
• 20:30
  5%
• 20:30
  return.
• 20:31
  So
• 20:32
  can't
• 20:32
  hate
• 20:33
  that.
• 20:34
  In
• 20:34
  the
• 20:34
  stock
• 20:35
  market
• 20:36
  I
• 20:36
  have
• 20:36
  sort
• 20:36
  of
• 20:36
  a
• 20:37
  horizontal
• 20:38
  and
• 20:38
  a
• 20:38
  vertical
• 20:38
  strategy.
• 20:39
  The
• 20:39
  horizontal
• 20:40
  strategy
• 20:41
  is
• 20:41
  to
• 20:41
  buy
• 20:43
  funds.
• 20:43
  I
• 20:43
  don't
• 20:44
  invest
• 20:44
  directly
• 20:44
  in
• 20:45
  companies.
• 20:45
  I
• 20:45
  don't
• 20:45
  have
• 20:46
  the
• 20:46
  time
• 20:46
  for
• 20:46
  all
• 20:46
  of
• 20:46
  that.
• 20:47
  So
• 20:47
  I
• 20:47
  buy.
• 20:48
  So
• 20:48
  I
• 20:49
  buy
• 20:49
  with
• 20:50
  the
• 20:50
  majority
• 20:50
  of
• 20:50
  what
• 20:50
  I
• 20:51
  put
• 20:51
  into
• 20:51
  the
• 20:51
  stock
• 20:51
  market.
• 20:52
  It's
• 20:52
  in
• 20:53
  broad
• 20:54
  based,
• 20:55
  primarily
• 20:56
  large
• 20:56
  cap
• 20:57
  US
• 20:58
  and
• 20:58
  international
• 20:59
  funds.
• 21:00
  But
• 21:00
  then
• 21:01
  I
• 21:01
  also
• 21:01
  check
• 21:02
  them
• 21:02
  out
• 21:02
  on
• 21:02
  a
• 21:02
  tool
• 21:03
  called
• 21:03
  as
• 21:03
  you
• 21:03
  sew,
• 21:04
  which
• 21:04
  is.
• 21:04
  I
• 21:05
  love
• 21:05
  that.
• 21:05
  So
• 21:06
  invest
• 21:06
  your
• 21:06
  values.
• 21:07
  You
• 21:07
  can
• 21:07
  put
• 21:07
  the
• 21:07
  name
• 21:07
  of
• 21:08
  any
• 21:08
  stock
• 21:09
  fund
• 21:09
  in
• 21:09
  there
• 21:09
  and
• 21:09
  it'll
• 21:10
  show
• 21:10
  you
• 21:10
  how
• 21:11
  it
• 21:11
  is
• 21:11
  doing
• 21:12
  with
• 21:12
  a
• 21:12
  letter
• 21:13
  grade
• 21:14
  in
• 21:14
  terms
• 21:14
  of
• 21:15
  seven
• 21:15
  different
• 21:15
  values
• 21:16
  that
• 21:16
  you
• 21:16
  may
• 21:16
  have.
• 21:17
  So
• 21:18
  I
• 21:19
  looked
• 21:19
  and
• 21:19
  did
• 21:20
  my
• 21:20
  research
• 21:20
  and
• 21:20
  found
• 21:20
  some
• 21:21
  things
• 21:21
  that
• 21:21
  do
• 21:21
  well
• 21:21
  on
• 21:22
  that.
• 21:22
  And
• 21:22
  then
• 21:22
  I
• 21:22
  have
• 21:23
  a
• 21:23
  vertical
• 21:24
  strategy
• 21:24
  and
• 21:25
  where
• 21:25
  I
• 21:25
  also
• 21:25
  may
• 21:26
  invest
• 21:26
  in
• 21:26
  ETFs
• 21:27
  which
• 21:28
  are
• 21:29
  so
• 21:29
  specific.
• 21:30
  So
• 21:30
  you
• 21:30
  can
• 21:30
  buy
• 21:31
  ETFs
• 21:31
  in
• 21:31
  agriculture
• 21:32
  and
• 21:32
  in
• 21:32
  affordable
• 21:33
  housing,
• 21:34
  in
• 21:35
  solar,
• 21:35
  in
• 21:36
  clean
• 21:36
  water,
• 21:37
  in
• 21:37
  so
• 21:38
  many
• 21:38
  different
• 21:38
  things.
• 21:39
  So
• 21:39
  with
• 21:39
  a
• 21:40
  fraction
• 21:40
  of
• 21:40
  that
• 21:40
  money,
• 21:41
  I
• 21:41
  do
• 21:41
  verticals.
• 21:42
  Do
• 21:43
  a
• 21:43
  big
• 21:43
  shout
• 21:43
  out
• 21:43
  for
• 21:44
  Debbie's
• 21:44
  CEO.
• 21:45
  Oh
• 21:45
  yes,
• 21:45
  that's
• 21:46
  great.
• 21:46
  Yes.
• 21:47
  So
• 21:47
  Hypatia
• 21:48
  Capital
• 21:49
  Braga.
• 21:50
  Absolutely.
• 21:51
  And
• 21:51
  what's
• 21:51
  important
• 21:52
  about
• 21:52
  that?
• 21:52
  So
• 21:53
  WCEO
• 21:54
  is
• 21:54
  a
• 21:54
  fund
• 21:54
  that
• 21:55
  is
• 21:55
  started
• 21:55
  in,
• 21:56
  managed
• 21:57
  by
• 21:58
  a
• 21:58
  woman
• 21:58
  named
• 21:58
  Patricia
• 21:59
  Lizaragra
• 22:00
  and
• 22:01
  she
• 22:01
  is
• 22:01
  only
• 22:02
  investing
• 22:02
  in
• 22:03
  companies
• 22:03
  that
• 22:03
  have
• 22:03
  female
• 22:04
  CEOs.
• 22:05
  That's
• 22:05
  what
• 22:05
  she
• 22:05
  does.
• 22:06
  And
• 22:06
  what's
• 22:07
  really
• 22:07
  interesting
• 22:08
  is
• 22:08
  there's
• 22:08
  not
• 22:09
  a
• 22:09
  lot
• 22:09
  of
• 22:09
  women
• 22:09
  like
• 22:10
  her
• 22:10
  who
• 22:10
  are
• 22:10
  managing
• 22:11
  funds.
• 22:11
  The
• 22:12
  vast
• 22:12
  majority
• 22:13
  of
• 22:13
  funds
• 22:13
  in
• 22:13
  the
• 22:14
  stock
• 22:14
  market
• 22:14
  are
• 22:14
  managed
• 22:15
  by
• 22:15
  men.
• 22:16
  Even
• 22:16
  if
• 22:16
  you
• 22:17
  put
• 22:17
  in
• 22:17
  a
• 22:17
  little
• 22:17
  bit
• 22:17
  of
• 22:18
  money,
• 22:18
  buying
• 22:18
  some
• 22:18
  of
• 22:19
  that
• 22:19
  is
• 22:19
  great
• 22:19
  because
• 22:20
  it
• 22:20
  helps
• 22:20
  her
• 22:21
  and
• 22:21
  it
• 22:21
  helps
• 22:22
  other
• 22:22
  women
• 22:23
  step
• 22:23
  into
• 22:24
  the
• 22:24
  space.
• 22:24
  Space.
• 22:24
  It's
• 22:24
  valuable
• 22:25
  for
• 22:25
  us
• 22:25
  to
• 22:25
  help
• 22:26
  women
• 22:26
  managing
• 22:27
  these
• 22:27
  funds.
• 22:28
  It's
• 22:28
  only
• 22:28
  like
• 22:28
  $30
• 22:29
  a
• 22:29
  share.
• 22:29
  Anybody
• 22:30
  pretty
• 22:31
  much
• 22:31
  can
• 22:31
  get
• 22:32
  into
• 22:32
  that.
• 22:32
  It's
• 22:33
  a
• 22:33
  really
• 22:33
  great
• 22:33
  point.
• 22:34
  I
• 22:34
  do
• 22:35
  private
• 22:35
  investing.
• 22:36
  I'm
• 22:36
  an
• 22:36
  angel
• 22:36
  investor
• 22:37
  and
• 22:38
  one
• 22:38
  of
• 22:38
  my
• 22:38
  favorite
• 22:39
  investments
• 22:39
  is
• 22:39
  Actually,
• 22:40
  a
• 22:40
  debt
• 22:41
  investment
• 22:42
  in
• 22:42
  a
• 22:43
  bagel
• 22:44
  company
• 22:44
  around
• 22:44
  the
• 22:44
  corner
• 22:45
  from
• 22:45
  me.
• 22:46
  The
• 22:46
  woman
• 22:46
  who
• 22:47
  started
• 22:47
  it
• 22:47
  needed
• 22:48
  $100,000
• 22:49
  when
• 22:49
  she
• 22:50
  was
• 22:50
  starting,
• 22:51
  and
• 22:52
  a
• 22:52
  number
• 22:52
  of
• 22:52
  people
• 22:53
  put
• 22:53
  money
• 22:54
  into
• 22:54
  that,
• 22:54
  and
• 22:54
  I
• 22:55
  was
• 22:55
  one
• 22:55
  of
• 22:55
  them.
• 22:55
  And
• 22:56
  she,
• 22:56
  she's
• 22:57
  been
• 22:57
  remarkable.
• 22:58
  I
• 22:58
  mean,
• 22:58
  there's
• 22:58
  a
• 22:58
  whole
• 22:59
  story
• 22:59
  there,
• 22:59
  but
• 22:59
  I
• 22:59
  don't
• 23:00
  think
• 23:00
  we
• 23:00
  have
• 23:00
  time
• 23:00
  for
• 23:01
  that.
• 23:01
  But
• 23:01
  so
• 23:02
  I
• 23:02
  do
• 23:02
  that
• 23:02
  and
• 23:03
  then
• 23:03
  I
• 23:03
  do
• 23:03
  real
• 23:03
  estate,
• 23:04
  and
• 23:04
  I
• 23:05
  have
• 23:05
  a
• 23:05
  real
• 23:05
  estate
• 23:06
  investment.
• 23:06
  We're
• 23:07
  still
• 23:07
  waiting
• 23:07
  to
• 23:07
  see
• 23:08
  exactly
• 23:08
  how
• 23:08
  it's
• 23:08
  going
• 23:09
  to
• 23:09
  play
• 23:09
  out,
• 23:09
  but
• 23:10
  I
• 23:10
  decided
• 23:11
  to
• 23:12
  get
• 23:12
  involved
• 23:13
  in
• 23:13
  a
• 23:13
  development.
• 23:14
  This
• 23:14
  was
• 23:15
  brand
• 23:15
  new
• 23:15
  for
• 23:15
  me.
• 23:16
  This
• 23:16
  was
• 23:16
  probably
• 23:16
  one
• 23:17
  of
• 23:17
  the
• 23:17
  riskiest
• 23:17
  things
• 23:17
  I've
• 23:18
  done
• 23:18
  because
• 23:18
  I
• 23:18
  just
• 23:19
  don't
• 23:19
  understand
• 23:19
  this
• 23:20
  space.
• 23:20
  But
• 23:20
  there
• 23:20
  were
• 23:21
  two
• 23:21
  women
• 23:22
  in
• 23:22
  Portland,
• 23:24
  Oregon,
• 23:24
  who
• 23:25
  had
• 23:25
  a
• 23:25
  vision
• 23:25
  of
• 23:26
  building
• 23:26
  100
• 23:26
  units
• 23:27
  of
• 23:27
  workforce
• 23:27
  housing.
• 23:28
  They
• 23:28
  were
• 23:28
  developers,
• 23:29
  real
• 23:29
  estate
• 23:30
  developers
• 23:31
  and
• 23:31
  female
• 23:31
  real
• 23:32
  estate
• 23:32
  developers
• 23:32
  who
• 23:32
  are
• 23:33
  doing
• 23:33
  socially
• 23:33
  responsible
• 23:34
  real
• 23:34
  estate
• 23:35
  development.
• 23:35
  Not
• 23:36
  a
• 23:36
  thing.
• 23:37
  So
• 23:37
  I
• 23:38
  joined
• 23:38
  with
• 23:38
  them.
• 23:39
  We
• 23:39
  bought
• 23:40
  some
• 23:40
  land
• 23:40
  with
• 23:40
  a
• 23:41
  property
• 23:42
  on
• 23:42
  it,
• 23:42
  and
• 23:42
  then
• 23:43
  over
• 23:43
  two
• 23:44
  years,
• 23:44
  they
• 23:44
  raised
• 23:45
  the
• 23:45
  money
• 23:45
  to
• 23:45
  do
• 23:46
  their
• 23:46
  building.
• 23:47
  In
• 23:47
  April
• 23:48
  of
• 23:48
  this
• 23:48
  year,
• 23:48
  the
• 23:48
  building
• 23:49
  was
• 23:49
  completed
• 23:49
  and
• 23:50
  it's
• 23:50
  being
• 23:50
  rented
• 23:50
  out
• 23:51
  now.
• 23:51
  I'm
• 23:51
  now
• 23:52
  part
• 23:52
  owner
• 23:53
  of
• 23:53
  36
• 23:54
  units
• 23:54
  of
• 23:55
  workforce
• 23:55
  housing,
• 23:56
  affordable
• 23:57
  housing.
• 23:58
  It's
• 23:58
  so
• 23:59
  awesome.
• 23:59
  And
• 23:59
  I've
• 24:00
  heard
• 24:00
  you
• 24:00
  talk
• 24:00
  about
• 24:00
  this
• 24:01
  story,
• 24:01
  and
• 24:01
  it
• 24:01
  is
• 24:02
  so
• 24:02
  inspiring
• 24:03
  to
• 24:03
  me.
• 24:03
  I'm
• 24:04
  thinking
• 24:04
  about
• 24:05
  helping
• 24:05
  my
• 24:05
  housekeeper
• 24:06
  make
• 24:06
  an
• 24:07
  investment
• 24:07
  and
• 24:07
  get
• 24:07
  started
• 24:08
  in
• 24:08
  having
• 24:09
  multifamily.
• 24:10
  Helping
• 24:10
  her
• 24:10
  get
• 24:10
  her
• 24:11
  first
• 24:11
  and
• 24:11
  then
• 24:11
  helping
• 24:12
  her
• 24:12
  grow
• 24:12
  from
• 24:12
  there.
• 24:13
  I
• 24:14
  have
• 24:14
  this
• 24:14
  desire
• 24:15
  to
• 24:15
  make
• 24:15
  it
• 24:15
  more
• 24:16
  scalable.
• 24:17
  I
• 24:17
  don't
• 24:17
  know
• 24:17
  how
• 24:17
  to
• 24:18
  do
• 24:18
  that
• 24:18
  yet,
• 24:18
  but
• 24:19
  maybe
• 24:19
  when
• 24:19
  I'm
• 24:20
  part
• 24:20
  of
• 24:20
  your
• 24:20
  Invest
• 24:21
  for
• 24:21
  Better
• 24:21
  community
• 24:22
  and
• 24:22
  in
• 24:22
  one
• 24:23
  of
• 24:23
  your
• 24:23
  circles,
• 24:23
  one
• 24:23
  of
• 24:24
  your
• 24:24
  cohorts,
• 24:24
  I
• 24:25
  know
• 24:25
  you
• 24:25
  do
• 24:25
  those
• 24:25
  in
• 24:26
  February
• 24:26
  and
• 24:27
  in
• 24:27
  September
• 24:28
  every
• 24:28
  year.
• 24:28
  Maybe
• 24:29
  I
• 24:29
  can
• 24:29
  come
• 24:29
  up
• 24:29
  with
• 24:29
  a
• 24:30
  way
• 24:30
  to
• 24:30
  do
• 24:30
  that.
• 24:30
  But
• 24:31
  I
• 24:31
  think
• 24:31
  this
• 24:31
  is
• 24:32
  the
• 24:32
  thing,
• 24:32
  right?
• 24:32
  We,
• 24:33
  we
• 24:33
  as
• 24:34
  women,
• 24:35
  when
• 24:35
  we
• 24:35
  come
• 24:36
  into
• 24:36
  any
• 24:36
  ability
• 24:38
  to
• 24:38
  use
• 24:38
  our
• 24:39
  money,
• 24:39
  we
• 24:39
  want
• 24:39
  to
• 24:40
  make
• 24:40
  it.
• 24:40
  Not
• 24:41
  just
• 24:41
  make
• 24:41
  us
• 24:42
  money,
• 24:42
  but
• 24:42
  we
• 24:42
  want
• 24:42
  to
• 24:42
  make
• 24:43
  the
• 24:43
  world
• 24:43
  better.
• 24:44
  Exactly.
• 24:45
  And
• 24:45
  since
• 24:46
  you
• 24:46
  referenced
• 24:46
  the
• 24:47
  circles,
• 24:47
  let
• 24:47
  me
• 24:48
  explain
• 24:48
  what
• 24:48
  that
• 24:48
  is
• 24:49
  and
• 24:49
  what
• 24:49
  we
• 24:49
  do
• 24:49
  at
• 24:50
  Invest
• 24:50
  for
• 24:50
  Better.
• 24:51
  Where
• 24:52
  we
• 24:52
  started
• 24:52
  was.
• 24:53
  We
• 24:53
  started.
• 24:54
  It's
• 24:54
  really
• 24:54
  important.
• 24:55
  One
• 24:55
  of
• 24:56
  the
• 24:56
  first
• 24:56
  steps
• 24:56
  you
• 24:57
  can
• 24:57
  take
• 24:57
  if
• 24:57
  you
• 24:57
  want
• 24:58
  to
• 24:58
  start
• 24:58
  becoming
• 24:59
  better
• 25:00
  with
• 25:00
  your
• 25:00
  money
• 25:00
  is
• 25:01
  start
• 25:01
  talking
• 25:01
  to
• 25:01
  your
• 25:02
  girlfriends
• 25:02
  about
• 25:02
  money.
• 25:03
  Just
• 25:03
  start
• 25:04
  talking
• 25:05
  about
• 25:05
  it.
• 25:06
  Have
• 25:06
  conversations,
• 25:08
  have
• 25:08
  money
• 25:09
  dates
• 25:09
  with
• 25:09
  your
• 25:10
  spouse.
• 25:11
  Go
• 25:11
  out
• 25:11
  and,
• 25:12
  you
• 25:12
  know,
• 25:12
  once
• 25:13
  a
• 25:13
  month
• 25:13
  or
• 25:13
  once
• 25:13
  a
• 25:14
  quarter,
• 25:14
  maybe
• 25:14
  once
• 25:15
  a
• 25:15
  quarter
• 25:15
  is
• 25:15
  better.
• 25:16
  Once
• 25:16
  a
• 25:16
  quarter,
• 25:16
  go
• 25:17
  out
• 25:17
  and
• 25:18
  have
• 25:18
  a
• 25:18
  conversation
• 25:19
  about
• 25:19
  your
• 25:20
  money
• 25:20
  and
• 25:20
  where
• 25:20
  you
• 25:21
  are
• 25:21
  with
• 25:21
  It
• 25:21
  I
• 25:22
  think
• 25:22
  it's
• 25:22
  so
• 25:22
  important.
• 25:23
  And
• 25:24
  that
• 25:25
  ability
• 25:25
  for
• 25:26
  women
• 25:26
  to
• 25:26
  come
• 25:27
  together
• 25:27
  to
• 25:28
  in
• 25:28
  a
• 25:28
  safe
• 25:28
  space
• 25:29
  to
• 25:29
  talk
• 25:29
  about
• 25:30
  money
• 25:30
  and
• 25:30
  to
• 25:31
  share
• 25:31
  their
• 25:31
  stories
• 25:32
  was
• 25:32
  a
• 25:33
  thing
• 25:33
  that
• 25:33
  we
• 25:33
  really
• 25:33
  thought
• 25:34
  was
• 25:34
  needed.
• 25:34
  And
• 25:35
  so
• 25:35
  that's
• 25:36
  what
• 25:36
  Invest
• 25:36
  for
• 25:36
  Better
• 25:37
  does.
• 25:37
  We
• 25:37
  have
• 25:37
  created
• 25:38
  a
• 25:39
  seven
• 25:39
  part
• 25:39
  curriculum
• 25:40
  called
• 25:40
  Investing
• 25:41
  with
• 25:41
  Purpose.
• 25:42
  It
• 25:42
  meets
• 25:43
  either
• 25:44
  once
• 25:44
  a
• 25:44
  month
• 25:44
  if
• 25:44
  you
• 25:45
  do
• 25:45
  it
• 25:45
  in
• 25:45
  person,
• 25:45
  or
• 25:46
  every
• 25:46
  other
• 25:46
  week
• 25:47
  if
• 25:47
  you
• 25:47
  do
• 25:47
  it
• 25:47
  virtually.
• 25:48
  You
• 25:49
  go
• 25:49
  through
• 25:50
  some
• 25:50
  pre
• 25:50
  work,
• 25:51
  do
• 25:51
  some
• 25:52
  learning
• 25:52
  and
• 25:53
  then
• 25:53
  go
• 25:53
  into
• 25:53
  a
• 25:54
  facilitated
• 25:54
  conversation
• 25:55
  with
• 25:56
  eight
• 25:56
  to
• 25:56
  20
• 25:56
  other
• 25:57
  women,
• 25:58
  facilitated
• 25:59
  by
• 25:59
  a
• 25:59
  couple
• 25:59
  of
• 25:59
  women
• 26:00
  who've
• 26:00
  been
• 26:00
  trained
• 26:00
  and
• 26:01
  prepared
• 26:01
  to
• 26:01
  do
• 26:02
  that.
• 26:02
  And
• 26:02
  you
• 26:03
  actually
• 26:03
  learn,
• 26:04
  but
• 26:04
  you're
• 26:04
  also
• 26:04
  having
• 26:05
  dialogues
• 26:05
  with
• 26:06
  each
• 26:06
  other
• 26:06
  about
• 26:06
  your
• 26:07
  money,
• 26:07
  about
• 26:07
  what's
• 26:08
  worked
• 26:08
  for
• 26:08
  you,
• 26:08
  you
• 26:09
  what
• 26:09
  hasn't
• 26:09
  worked
• 26:09
  for
• 26:10
  you,
• 26:10
  where
• 26:11
  you
• 26:11
  want
• 26:11
  to
• 26:11
  go
• 26:11
  and
• 26:12
  you
• 26:12
  learn
• 26:12
  from
• 26:12
  other
• 26:13
  women.
• 26:14
  So
• 26:14
  we,
• 26:14
  as
• 26:15
  you
• 26:15
  said,
• 26:15
  Coco,
• 26:16
  we
• 26:16
  do
• 26:16
  this
• 26:16
  twice
• 26:17
  a
• 26:17
  year.
• 26:17
  We
• 26:17
  do
• 26:17
  it
• 26:18
  in
• 26:18
  February
• 26:19
  and
• 26:19
  then
• 26:19
  again
• 26:19
  in
• 26:20
  September.
• 26:21
  We
• 26:21
  usually
• 26:21
  have
• 26:21
  about
• 26:22
  200
• 26:22
  women
• 26:23
  go
• 26:23
  through
• 26:24
  each
• 26:24
  of
• 26:24
  those
• 26:24
  times.
• 26:25
  Anyone
• 26:25
  can
• 26:26
  become
• 26:26
  a
• 26:26
  member
• 26:26
  of
• 26:26
  Invest
• 26:27
  for
• 26:27
  Better.
• 26:27
  The
• 26:28
  course
• 26:28
  is
• 26:28
  only
• 26:28
  $125
• 26:29
  by
• 26:30
  the
• 26:30
  way.
• 26:30
  Can't
• 26:31
  believe
• 26:31
  that
• 26:31
  it's
• 26:32
  really
• 26:33
  like
• 26:33
  anybody
• 26:34
  can
• 26:34
  do
• 26:34
  that.
• 26:35
  Exactly.
• 26:36
  That's
• 26:36
  why
• 26:36
  it's
• 26:36
  priced
• 26:37
  that
• 26:37
  way,
• 26:37
  because
• 26:38
  we
• 26:38
  want
• 26:38
  anyone
• 26:39
  to
• 26:39
  be
• 26:39
  able
• 26:39
  to
• 26:39
  do
• 26:40
  it
• 26:40
  and
• 26:40
  we
• 26:40
  don't
• 26:40
  want
• 26:41
  anyone
• 26:41
  to
• 26:41
  have
• 26:42
  to
• 26:42
  say
• 26:43
  $1,200,
• 26:44
  I'm
• 26:45
  not
• 26:45
  sure,
• 26:46
  2,000,
• 26:47
  I'm
• 26:47
  not
• 26:47
  sure,
• 26:48
  but
• 26:48
  1:25,
• 26:49
  it's
• 26:49
  like,
• 26:50
  yeah,
• 26:50
  I
• 26:50
  can
• 26:50
  do
• 26:50
  that.
• 26:51
  And
• 26:51
  I
• 26:52
  know
• 26:52
  time
• 26:52
  is
• 26:52
  an
• 26:53
  issue
• 26:53
  for
• 26:53
  a
• 26:53
  lot
• 26:53
  of
• 26:54
  women,
• 26:54
  but
• 26:55
  we're
• 26:56
  not
• 26:56
  getting
• 26:56
  younger.
• 26:58
  And
• 26:59
  every
• 27:00
  year
• 27:00
  that
• 27:01
  you
• 27:01
  let
• 27:01
  your,
• 27:02
  your
• 27:02
  money
• 27:02
  not
• 27:03
  do
• 27:03
  what
• 27:03
  you
• 27:04
  want
• 27:04
  it
• 27:04
  to
• 27:04
  do
• 27:05
  is
• 27:05
  another
• 27:05
  year
• 27:06
  that
• 27:06
  you're
• 27:06
  not
• 27:07
  learning
• 27:07
  and
• 27:07
  you're
• 27:08
  not
• 27:08
  moving
• 27:08
  forward
• 27:09
  and
• 27:09
  investing,
• 27:11
  we
• 27:11
  all
• 27:11
  know
• 27:11
  this,
• 27:12
  it's
• 27:12
  cumulative,
• 27:13
  right?
• 27:13
  And
• 27:14
  so
• 27:14
  it
• 27:14
  compounds.
• 27:15
  So
• 27:15
  the
• 27:16
  more
• 27:16
  you
• 27:16
  do,
• 27:16
  the
• 27:17
  earlier
• 27:17
  you
• 27:17
  do
• 27:18
  it,
• 27:18
  the
• 27:18
  richer
• 27:19
  you're
• 27:19
  going
• 27:19
  to
• 27:19
  be
• 27:20
  at
• 27:20
  the
• 27:20
  end
• 27:20
  of
• 27:21
  your
• 27:21
  life.
• 27:21
  If
• 27:22
  you
• 27:22
  already
• 27:22
  have
• 27:22
  oodles
• 27:23
  of
• 27:23
  money,
• 27:23
  then
• 27:24
  the
• 27:24
  more
• 27:24
  than
• 27:25
  paying
• 27:25
  attention
• 27:26
  to
• 27:26
  this
• 27:26
  stuff,
• 27:27
  it's
• 27:28
  fun.
• 27:28
  I
• 27:29
  mean
• 27:29
  that's
• 27:29
  the
• 27:30
  thing.
• 27:30
  It's
• 27:30
  like
• 27:31
  amazingly
• 27:32
  cool
• 27:33
  to
• 27:33
  know
• 27:34
  that
• 27:34
  your
• 27:34
  money
• 27:35
  is
• 27:35
  doing
• 27:37
  great
• 27:37
  things
• 27:37
  in
• 27:37
  the
• 27:38
  world.
• 27:38
  I
• 27:38
  feel
• 27:39
  proud
• 27:40
  every
• 27:40
  time
• 27:40
  I
• 27:40
  think
• 27:41
  about
• 27:41
  Boy
• 27:42
  Chick
• 27:42
  Bagels.
• 27:43
  I
• 27:43
  was
• 27:43
  just
• 27:43
  one
• 27:44
  of
• 27:44
  her
• 27:44
  investors,
• 27:44
  but
• 27:45
  I'm
• 27:45
  still
• 27:45
  so
• 27:45
  proud
• 27:45
  of
• 27:46
  her.
• 27:46
  Every
• 27:46
  time
• 27:46
  I
• 27:47
  hear
• 27:47
  her
• 27:47
  success.
• 27:48
  I'm
• 27:48
  so
• 27:49
  proud
• 27:49
  of
• 27:49
  the
• 27:50
  two
• 27:50
  women
• 27:50
  that
• 27:50
  I
• 27:51
  joined
• 27:51
  together
• 27:52
  with
• 27:52
  in
• 27:52
  Portland.
• 27:53
  I'm
• 27:53
  so
• 27:53
  proud
• 27:54
  of
• 27:54
  them.
• 27:54
  What
• 27:55
  they've
• 27:55
  managed
• 27:56
  is
• 27:56
  so
• 27:56
  fantastic.
• 27:57
  And
• 27:57
  the
• 27:57
  fact
• 27:57
  that
• 27:58
  I
• 27:58
  could
• 27:58
  use
• 27:58
  my
• 27:58
  money
• 27:59
  to
• 27:59
  help
• 28:00
  catapult
• 28:00
  that
• 28:02
  is
• 28:02
  amazing.
• 28:03
  Right?
• 28:03
  So
• 28:04
  there's
• 28:05
  so
• 28:05
  much
• 28:06
  goodness
• 28:06
  that
• 28:07
  comes
• 28:07
  from
• 28:07
  all
• 28:08
  of
• 28:08
  it.
• 28:08
  The
• 28:09
  other
• 28:09
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• 28:09
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• 28:09
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• 28:10
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• 28:10
  is
• 28:10
  you
• 28:10
  can
• 28:10
  become
• 28:11
  a
• 28:11
  member
• 28:11
  of
• 28:11
  Invest4better.
• 28:12
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• 28:13
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• 28:14
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• 28:15
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• 28:15
  just
• 28:15
  go
• 28:15
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• 28:16
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• 28:18
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• 28:18
  membership
• 28:19
  and
• 28:19
  you
• 28:19
  will
• 28:20
  get
• 28:20
  a
• 28:20
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• 28:20
  Getting
• 28:21
  Started
• 28:21
  guide
• 28:21
  and
• 28:22
  our
• 28:22
  newsletter
• 28:23
  twice
• 28:23
  a
• 28:23
  month.
• 28:24
  We
• 28:24
  don't
• 28:24
  overwhelm
• 28:25
  you,
• 28:25
  but
• 28:26
  our
• 28:26
  newsletter
• 28:26
  will
• 28:27
  keep
• 28:27
  you
• 28:27
  informed
• 28:27
  of
• 28:28
  when
• 28:28
  our
• 28:28
  next
• 28:28
  circles
• 28:29
  are
• 28:29
  forming.
• 28:29
  It
• 28:29
  will
• 28:30
  also
• 28:31
  let
• 28:31
  you
• 28:31
  know
• 28:31
  about
• 28:32
  our
• 28:32
  free
• 28:32
  monthly
• 28:33
  webinars
• 28:34
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• 28:34
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• 28:35
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• 28:35
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• 28:35
  at
• 28:35
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• 28:36
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• 28:38
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• 28:38
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• 28:39
  you
• 28:39
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• 28:39
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• 28:39
  of
• 28:39
  our
• 28:39
  community.
• 28:40
  It's
• 28:41
  no
• 28:41
  cost
• 28:41
  to
• 28:42
  do
• 28:42
  that.
• 28:42
  It's
• 28:42
  a
• 28:43
  really
• 28:43
  huge
• 28:43
  value.
• 28:44
  And
• 28:44
  I
• 28:45
  know
• 28:45
  you
• 28:45
  also
• 28:45
  have
• 28:46
  a
• 28:46
  lot
• 28:46
  of
• 28:46
  women
• 28:46
  who've
• 28:47
  started
• 28:47
  book
• 28:47
  club
• 28:48
  circles
• 28:48
  where
• 28:49
  they
• 28:49
  read
• 28:49
  the
• 28:49
  book
• 28:49
  together.
• 28:50
  I
• 28:50
  highly
• 28:51
  recommend
• 28:51
  it
• 28:51
  because
• 28:52
  I
• 28:52
  am
• 28:52
  going
• 28:53
  to
• 28:54
  join
• 28:54
  the
• 28:54
  upcoming
• 28:55
  cohort.
• 28:55
  I
• 28:56
  know
• 28:56
  I
• 28:57
  need
• 28:57
  to
• 28:57
  do
• 28:57
  what's
• 28:58
  in
• 28:58
  here.
• 28:59
  It's
• 28:59
  a
• 28:59
  little
• 29:00
  overwhelming
• 29:00
  to
• 29:00
  do
• 29:01
  it
• 29:01
  all
• 29:01
  at
• 29:01
  once,
• 29:02
  but
• 29:02
  a
• 29:02
  little
• 29:02
  bit
• 29:03
  at
• 29:03
  a
• 29:03
  time
• 29:04
  with
• 29:04
  somebody
• 29:05
  holding
• 29:05
  your
• 29:05
  hand
• 29:05
  and
• 29:06
  doing
• 29:06
  it
• 29:06
  with
• 29:06
  other
• 29:07
  women.
• 29:07
  I
• 29:08
  think
• 29:08
  it's
• 29:08
  really
• 29:09
  powerful.
• 29:10
  I
• 29:10
  encourage
• 29:10
  you
• 29:11
  all
• 29:11
  to
• 29:11
  pick
• 29:11
  up
• 29:11
  the
• 29:11
  book,
• 29:12
  activate
• 29:12
  your
• 29:12
  money,
• 29:13
  become
• 29:14
  a
• 29:14
  member.
• 29:15
  This
• 29:15
  is
• 29:15
  such
• 29:15
  an
• 29:15
  easy
• 29:16
  thing.
• 29:16
  It's
• 29:16
  free.
• 29:17
  You
• 29:18
  know,
• 29:18
  become
• 29:18
  a
• 29:18
  member
• 29:19
  and,
• 29:19
  and
• 29:20
  learn
• 29:20
  more
• 29:21
  about
• 29:21
  the
• 29:21
  cohorts
• 29:22
  that
• 29:22
  have
• 29:22
  that
• 29:23
  are
• 29:23
  happening
• 29:23
  all
• 29:24
  the
• 29:24
  time
• 29:25
  and
• 29:25
  the,
• 29:25
  the,
• 29:26
  you
• 29:26
  know
• 29:26
  there's
• 29:26
  hubs
• 29:27
  creating
• 29:27
  too,
• 29:28
  right?
• 29:28
  So
• 29:28
  you've
• 29:29
  got
• 29:29
  invest
• 29:29
  for
• 29:30
  better
• 29:30
  hubs
• 29:30
  that
• 29:31
  are
• 29:31
  happening
• 29:32
  around
• 29:32
  the
• 29:32
  country
• 29:33
  and
• 29:33
  you
• 29:33
  might
• 29:33
  be
• 29:34
  interested
• 29:34
  in
• 29:34
  that.
• 29:34
  You
• 29:35
  could
• 29:35
  reach
• 29:35
  out.
• 29:36
  Janine,
• 29:36
  I
• 29:37
  appreciate
• 29:37
  you
• 29:37
  being
• 29:38
  with
• 29:38
  us
• 29:38
  today
• 29:38
  and
• 29:39
  sharing
• 29:39
  all
• 29:40
  of
• 29:40
  your
• 29:40
  wisdom
• 29:41
  and
• 29:41
  I'm
• 29:42
  going
• 29:42
  to
• 29:42
  put
• 29:42
  lots
• 29:42
  of
• 29:43
  information
• 29:43
  for
• 29:44
  our
• 29:44
  listeners
• 29:45
  into
• 29:46
  our
• 29:47
  comments
• 29:47
  below
• 29:47
  the
• 29:48
  show
• 29:48
  notes
• 29:48
  so
• 29:48
  that
• 29:48
  you
• 29:49
  can
• 29:49
  really
• 29:49
  tap
• 29:49
  in.
• 29:49
  There's
• 29:50
  a
• 29:50
  couple
• 29:50
  of
• 29:50
  videos
• 29:51
  that
• 29:51
  I
• 29:52
  highly
• 29:52
  recommend
• 29:53
  of
• 29:54
  Janine
• 29:54
  that
• 29:54
  really
• 29:55
  goes
• 29:55
  into
• 29:56
  several
• 29:56
  of
• 29:56
  her
• 29:56
  areas
• 29:57
  of
• 29:57
  expertise
• 29:58
  around
• 29:58
  investing.
• 29:58
  I
• 29:59
  think
• 29:59
  the
• 29:59
  thing
• 29:59
  I
• 29:59
  really
• 30:00
  want
• 30:00
  you
• 30:00
  all
• 30:00
  to
• 30:00
  come
• 30:00
  away
• 30:01
  with
• 30:01
  is
• 30:01
  you
• 30:01
  don't
• 30:02
  have
• 30:02
  to
• 30:02
  have
• 30:02
  a
• 30:02
  lot
• 30:02
  of
• 30:03
  money.
• 30:04
  Like
• 30:04
  you
• 30:04
  don't
• 30:05
  have
• 30:05
  to
• 30:05
  have
• 30:07
  a
• 30:07
  ton
• 30:07
  of
• 30:07
  money
• 30:07
  and
• 30:08
  founders.
• 30:08
  I
• 30:08
  know
• 30:09
  you're
• 30:09
  putting
• 30:09
  every
• 30:09
  single
• 30:10
  penny
• 30:10
  into
• 30:10
  your
• 30:10
  business,
• 30:11
  but
• 30:12
  you
• 30:12
  can
• 30:12
  do
• 30:13
  little
• 30:13
  things
• 30:14
  like
• 30:14
  putting
• 30:15
  your
• 30:15
  money
• 30:15
  into
• 30:16
  a
• 30:16
  community
• 30:16
  bank
• 30:17
  that's
• 30:17
  women
• 30:17
  founded
• 30:18
  or
• 30:18
  Women
• 30:18
  Forward
• 30:19
  or
• 30:19
  whatever
• 30:19
  your
• 30:19
  value
• 30:20
  is.
• 30:21
  You
• 30:21
  can
• 30:21
  invest
• 30:21
  in
• 30:22
  ETFs.
• 30:22
  These
• 30:23
  ETFs
• 30:23
  are
• 30:23
  very
• 30:23
  accessible.
• 30:24
  You
• 30:24
  have
• 30:24
  money
• 30:25
  somewhere
• 30:25
  in
• 30:25
  a
• 30:26
  401k
• 30:26
  or
• 30:27
  a
• 30:27
  Roth
• 30:27
  IRA.
• 30:28
  Janine,
• 30:28
  thank
• 30:28
  you
• 30:29
  so
• 30:29
  much
• 30:29
  for
• 30:29
  being
• 30:29
  here.
• 30:31
  The
• 30:31
  world
• 30:31
  is
• 30:32
  made
• 30:32
  better
• 30:32
  by
• 30:33
  women
• 30:33
  led
• 30:33
  business.
• 30:34
  Let's
• 30:35
  all
• 30:35
  go
• 30:35
  make
• 30:36
  the
• 30:36
  world
• 30:36
  a
• 30:37
  better
• 30:37
  place.
• 30:38
  Wonderful.
• 30:39
  Thank
• 30:40
  you.