Well Within Part 1: Money Wellness on Your Terms | Delecia Graham
Nkechi Nwafor-Robinson and her fabulous guest, Delecia Graham, kick off our exciting 4-part series, "Well Within," by diving into the often-overlooked topic of financial wellness. They emphasize that being well goes beyond just mental health, and it's about how we function spiritually, emotionally, relationally, and yes, financially!
Delecia brings over 20 years of experience, turning financial complexity into everyday action, empowering women and underrepresented communities to claim their place at the wealth table. In this episode, Delecia shares how to build confidence and clarity around money, and how to transform your money stories into empowering narratives.
Get ready to feel inspired, informed, and ready to take charge of your financial future because this episode is all about stepping into your power and redefining what it means to be truly well!
Takeaways:
- Wellness isn't just about mental health; it's a multi-dimensional journey that includes emotional, spiritual, relational, and financial well-being.
- Financial wellness empowers individuals to take control of their money, turning it into a tool for building wealth and security.
- Starting with just a small amount, like $25, can kickstart your investment journey and lead to confidence in financial decisions.
- Curate your circle of trust by surrounding yourself with diverse voices and perspectives to enhance your financial knowledge and confidence.
If this episode resonates with you, then remember... SUBSCRIBE • 5-Star Rate • COMMENT • SHARE this Podcast!! 💚❤️🙌🏾🙏🏾
Book Recommendation: "Her first 100K" by Tori Dunlap
Find Delecia Online:
IG: https://www.instagram.com/iamdelecia/
Find us online: https://linktr.ee/nkechinwaforrobinson
Transcript
Great day.
Speaker A:Amazing human.
Speaker A:Yes.
Speaker A:Welcome to Empowered at My Skin podcast where our mission is to help 1 billion people in this world think in more empowering ways.
Speaker A:Empowered humans empower humans.
Speaker A:So you are in the right place to become a lead domino for empowerment today.
Speaker A:My name is Nkechi Mwaho Robinson.
Speaker A:I'm not only your host, but I am a vibrant optimist obsessed to bring you empowering content with every single episode.
Speaker A:We will bring you weekly content alternating between longer episodes with featured guests and a shorter episode called Empowering Bites where I will be joined by my co host, Gabby Memone.
Speaker A:So if you're ready, let the show begin.
Speaker A:The information shared in this episode is for educational and inspirational purposes only and does not constitute financial, legal or investment advice.
Speaker A:Always consult with a qualified financial advisor or professional before making any financial decisions.
Speaker A:The views expressed by our guest are their own and do not necessarily reflect the views of their employer nor the views of the Empowered at My Skin team.
Speaker A:Great day.
Speaker A:Amazing humans.
Speaker A:I'm so excited because today is the day that we start our series called well Within.
Speaker A:Well Within.
Speaker A:And so we're kicking it off with something special.
Speaker A:Somebody special.
Speaker A:And I'm going to talk about just really quickly.
Speaker A:So we decided to focus on wellness because being well is not just one dimensional.
Speaker A:Too often wellness and well being are mistaken for mental health and alone.
Speaker A:But true well being is multi dimensional.
Speaker A:And it's about, it's not only about how you feel, but it's about how you function spiritually, emotionally, relationally and guess what, financially.
Speaker A:And so today we're diving deep into financial wellness and well being.
Speaker A:A conversation that touches your mindset, your money story and your self worth.
Speaker A:And to lead us there, we have an incredible guest.
Speaker A:So I, so let me, let me.
Speaker A:So I my intro that the team had but then I'm going to do Inky's intro after.
Speaker A:But this guest is not just talking about money.
Speaker A:She's not here just to talk about money.
Speaker A:But she's going to break it down.
Speaker A:She's going to flip the script and she's going to show us how wealth can be built from with confidence and clarity.
Speaker A:For over 20 years, she has turned financial complexity into everyday action.
Speaker A:I'm going to tell you how she does that.
Speaker A:Empowering women and underrepresented communities to claim their seat at the table.
Speaker A:At the wealth table, I might add.
Speaker A:So get ready to feel inspired, informed and unstoppable.
Speaker A:And so please join me in a gigantic podcast.
Speaker A:Welcome for the amazing Delicia Graham.
Speaker A:Oh my goodness.
Speaker B:I need to have you do my introductions.
Speaker B:So wonderful to be here, my dear.
Speaker A:I love it.
Speaker A:So I have to actually let you know, she is.
Speaker A:She was my entrance into.
Speaker A:Into day.
Speaker A:Not day trading, into direct trading.
Speaker B:Directing.
Speaker A:Yeah, Direct investing.
Speaker A:Direct investing.
Speaker A:So I had never, like, typically, I have a wealth advisor, but I never really traded on the stock market myself.
Speaker A:And so one day we.
Speaker A:During the COVID During the pandemic, we had established these Friday connects, remember?
Speaker A:And this one particular day, she was telling me how she had brought a Louis Vuitton bag and she was waiting for you.
Speaker A:She was waiting for it to be ordered to arrive.
Speaker A:And I said, why would you buy a Louis Vuitton bag?
Speaker A:We're in a pandemic.
Speaker A:Where are you gonna use it?
Speaker A:So anyway, so fast forward a couple.
Speaker A:I don't know, it must have been a couple of Fridays.
Speaker A:And I think I might have asked you, so how was your Louis Vuitton bag?
Speaker A:And you said, oh, I returned it.
Speaker A:She says, I return it.
Speaker A:And bought one stock in Google.
Speaker A:I was like, you bought one stock in Google?
Speaker A:So, yeah, yeah.
Speaker A:And I was like, how do you buy one stock in Google?
Speaker A:Anyway, fast forward to that.
Speaker A:Then turned to one of the Fridays, if not the next Friday.
Speaker A:As part of the connect.
Speaker A:We set myself up, she walked me through it, and I set up a direct investing account with td.
Speaker A:And ever since then, I have been trading.
Speaker A:And the brilliance of how she got me started is a big part of why you're here.
Speaker A:And so you are wonderful.
Speaker A:You dumbed it down for me.
Speaker A:I feel way wealthier as a result.
Speaker A:And today we're going to.
Speaker A:Actually, I feel wealthier and.
Speaker B:Well, I love this.
Speaker B:And I think that's the main part of it.
Speaker B:Right?
Speaker B:It's turning it into a conversation.
Speaker B:I think as women, we don't realize how much of the economy we actually control.
Speaker B:And those.
Speaker B:You are one of the most brilliant people.
Speaker B:You know, we talk about this all the time.
Speaker B:It's not that we aren't smart enough to do it.
Speaker B:It's that the confidence and having learned how to do it, I think was the thing that.
Speaker B:Not just you, it's thousands of women across the.
Speaker B:Across the globe.
Speaker B:We go through this.
Speaker B:So I'm so glad that we were able to do that.
Speaker B:And we are still each other's financial counsel.
Speaker A:And, you know, just because you.
Speaker A:Just because you went there, I actually do need to ask.
Speaker A:This is.
Speaker A:Well, first of all, let me.
Speaker A:Let me officially get us started.
Speaker A:So what has been your most empowering thought of the day so far?
Speaker B:My most empowering Thought of the day.
Speaker B:I had a really good workout with my trainer this morning.
Speaker B:And so my thought that gave me a lot of clarity and I felt like if anything it made me feel stronger.
Speaker B:Like my body felt stronger and I felt more mentally stronger to kind of take on the day.
Speaker B:So for me it just reaffirmed the need for physical health.
Speaker B:And so that was my most thought of just like the clarity that comes from that that makes me feel very powerful.
Speaker A:And the way you're sitting right now, I could tell you conquered this day.
Speaker A:And so, so because you went there before, we start to really tap into your brilliance.
Speaker A:Like I don't know if I know your origin story and how like you locked into sort of money and being the, the thing that you believe your purpose to help unfold for people in this world.
Speaker B:My origin story, yeah, it was one of those things like our money story, I think of my origin story really attached to our money story.
Speaker B:I grew up from humble beginnings.
Speaker B:Both my parents were blue collar workers, worked extremely hard, multiple jobs to put food on the table.
Speaker B:And going through that of having scarcity, not always knowing how bills are going to get paid, living paycheck to paycheck that reiterated a different type of money conversation in our household.
Speaker B:Or just how to budget, how to pay the bill, how to keep the lights on.
Speaker B:And then going to university, you're then introduced to all different socioeconomic backgrounds.
Speaker B:And the one thing is for me, I went to a hbcu, a historically black college or university.
Speaker B:So not only did I get to see different socioeconomic backgrounds, but I got to see black excellence at different levels.
Speaker B:And so that was another level of entrance for money.
Speaker B:But when I got started with my career, it was really, I was getting ready to go to law school, figuring things out.
Speaker B:And so I just got a part time job at the bank.
Speaker B:I was being a teller and just understanding how people were using money as a tool and just working my way through the financial industry.
Speaker B:So going from being a front desk teller, being a financial service representative, where I'm learning about different type of loans, I then went to commercial underwriting where I'm learning about how to write underwriting different loans on the big construction buildings that we're doing.
Speaker B:I learned about agricultural loans.
Speaker B:So through the industry, I just kind of kept learning and becoming more credentialed in the industry.
Speaker B:And that is what got me started with investing.
Speaker B:I went into Charles Schwab one day and just really struck me up a conversation.
Speaker B:I actually just love the building.
Speaker B:I'm like this beautiful, this Architecture is so beautiful.
Speaker B:Walked into the building and struck up a wonderful conversation.
Speaker B:A few months later, got interviewed and joined the team.
Speaker B:And so that really was my introduction into investing.
Speaker B:A whole new world of understanding how we use money as tools.
Speaker B:It's not scarcity of how do we just budget day to day, but using it appropriately so that we can use it to build wealth and use it more as a tool as we continue to build generational wealth.
Speaker B:And so I've been doing that for the last 20 years.
Speaker B:I was an investment advisor for many years, ran a half a billion dollar portfolio, decided to then say, I want to take some time for the family, took a step back.
Speaker B:I wouldn't say step back.
Speaker B:I took a side step.
Speaker B:I did a pivot and then worked for a hedge fund for a few years doing trade surveillance, which is why.
Speaker A:I know doing trading surveillance, that sounds really technical.
Speaker B:Yeah, well, you know, somebody's got to be watching to make sure everything is.
Speaker A:Going where that's what you're not, not, you're not, you're not checking, you're making sure the trade goes through.
Speaker A:Well, not, not fraught, not, not looking.
Speaker B:For a little bit of both.
Speaker B:So working at hedge fund, you're working with a much smaller group.
Speaker B:So it wasn't just making sure that the trade was placed appropriately, because these are, these are trade where you're trading millions of shares at a time, sometimes hundreds of thousands of shares at a time.
Speaker B:And so it's not just making sure that the trade was placed appropriately, but it's also making sure that there was no fraudulent issues or anything like that when the trade was placed and making sure it settles correctly.
Speaker B:So usually nowadays trade settles one day later.
Speaker B:At that time, I think it was T plus 2, a T plus 3, meaning trade.
Speaker B:You trade today and three days later the trade sells your money's in or the whatnot.
Speaker B:Just for our guests who might not be familiar.
Speaker B:And so that was my job at the time.
Speaker B:And it was great because it really made me understand the technicality of trading and what your markets move and understanding the trading lingo.
Speaker B:And so those are my experiences throughout the years.
Speaker B:And understanding those things also made me realize I was the only.
Speaker B:Many times I was the only sitting in the room, sometimes it was the only woman and sometimes it was the only minorities sitting in the room.
Speaker B:And sometimes it's both.
Speaker B:And so that made me also realize how women talk about money very differently than men.
Speaker B:You know, when I talk to friends or just I listen to different women who are clients at the time when I was an investment advisor.
Speaker B:The conversation was definitely about, well, how can I make sure that my bills are paid or how can I make sure that my kids can go to school?
Speaker B:Which are all great conversations to have.
Speaker B:But I heard that men were talking about money more as a tool.
Speaker B:Like what investments are we making?
Speaker B:What developments are developments am I putting money into to buy?
Speaker B:The conversation was just very different.
Speaker B:Not saying one is right or wrong, but I realized that there was a different level of confidence that men approached to money versus that women attached to money.
Speaker A:And I just have to ask, in this day and age, do you feel that that is still.
Speaker A:That's changed or.
Speaker B:I think it's changing, but not enough.
Speaker A:Not enough because we're talking about years ago that wouldn't have been recent.
Speaker A:Yeah.
Speaker B:So this is probably, probably 15 years ago.
Speaker B:I do think that there's been a lot of progress made, but there's still a lot more progress that needs to be done, especially when it's coming to making sure that people understand their financial needs.
Speaker B:It's not just about budgeting.
Speaker B:I think we always hear about the term financial literacy, which is really about savings, the different type of accounts you use.
Speaker B:And while it's all valid and needed, there's a whole other type of wellness or wealth wellness that's needed.
Speaker B:When it talks comes to investing or having insurance or having an estate plan, do you have a will?
Speaker B:Should you have a trust?
Speaker B:These are the things that I find that we don't necessarily talk about that needs to be talked about.
Speaker B:And that's how you really build a generational wealth.
Speaker B:How do you take it from one generation to another with the most legal, taxable, prudent way to do so?
Speaker A:Right.
Speaker A:And I love, I love that.
Speaker A:So I'm actually going to jump off of that.
Speaker A:So yeah, this well within series was really around.
Speaker A:We do, we do put a lot of focus on mental health.
Speaker A:We often don't really talk about what it means to be well or just be like a well being, a well human being.
Speaker A:And financial wellness is also really big part of that.
Speaker A:And I think it's a great way to bring us to peace.
Speaker A:Right.
Speaker A:Like I will be honest with you, like even just that, that I know we were joking around, but even just you taking that time, that time to show me that and to show me that I can actually do it with not didn't need thousands of dollars, I needed 25.
Speaker A:Like I think I maybe started that day with like $50, you know, but, but you were showing me that I could start with $25.
Speaker A:But it brought a peace of mind because I think the knowledge and the belief that I can helped.
Speaker A:And so in your opinion, just really wanted to find this, maybe your definition.
Speaker A:What does true financial wellness look like and how can it actually change and evolve somebody's day to day life?
Speaker B:Yes, for me, financial wellness is, it's not just about the numbers.
Speaker B:It's about, to your point, confidence, freedom, agency, it is about building.
Speaker B:I love the fact that, and I want to be clear, like I've worked very hard.
Speaker B:I got to this point, I'm now at a place of peace where I'm like, I don't have to worry about can I pay my bills month to month.
Speaker B:It is that kind of softness that I like where everything doesn't have to be hard.
Speaker B:And I think definitely in certain communities it's the struggle that is celebrated.
Speaker B:I want a soft life.
Speaker B:So for me, it's when I think of like, what is it defined by?
Speaker B:It's being able to give me back time.
Speaker B:How do I get agents over my time to do other things that I want to do, like travel or be with friends, go for brunch like we did a few weeks ago.
Speaker B:Like, those are the things that, when I think about financial wellness, that comes to mind of what I define is how I'm able to now use my time, which is something that, that's a commodity we can never get back.
Speaker B:And so anything that allows me to have more time to do other things that I want to do, that's wealth in my mind.
Speaker A:Well, that's so powerful.
Speaker A:I've actually never really thought about it like that.
Speaker A:I think we often.
Speaker A:I, yeah, I would never have actually defined it like that for myself, but I actually really love it because it's like it, it's not about having all this money and I, because you never once talked about any value, didn't talk about hundreds of thousands, millions or this any other.
Speaker B:It's different for everybody, right?
Speaker B:It looks very.
Speaker B:For everybody, right?
Speaker B:Yeah.
Speaker A:It's all of the characteristics that you feel you want to be true in your life.
Speaker A:And yes.
Speaker A:And then having the kind of wealth that enables you to be able to support that.
Speaker A:And it doesn't mean that you have to be living in a big house and all this any other.
Speaker A:It's just you need to define like these are the things that I would like to do with my life.
Speaker A:So do you think that kind of, having that kind of.
Speaker A:And I know you know, this is not necessarily.
Speaker A:I'm going off a little bit of where I want to take this conversation but do you think that maybe having that kind of attitude changes the hustle to like one of attraction?
Speaker B:Yes, I think it changes one of attraction in the sense that you have more clarity of what you want, what you're doing.
Speaker B:I use that to when I have so even though I did my own investing, I was an investment advisor but I still have a financial planner and investment advisor.
Speaker B:I literally went to them and I said this is what I want to do.
Speaker B:Here's my plan.
Speaker B:What is the number that I need to hit so I can have this life?
Speaker B:And literally worked through that number.
Speaker B:And when you see and I encourage everybody to kind of do an exercise like that because nine times when you see the number it's probably not nearly as big as you think it actually is.
Speaker A:That's the first thought I thought about how value add that that exercise would be probably would shock you.
Speaker A:Yeah, yeah.
Speaker B:To where I was like I want to be work optional at this this age.
Speaker B:And work optional to me means I can have a job but I can also opt not to and I can just do things as I choose.
Speaker B:I want to be work at this age.
Speaker B:I want to be mortgage free or mortgage adjacent free meaning that I'm almost mortgage fee at this age and have that that plan.
Speaker B:And that gave me peace of mind because when you talk about is a calling almost as a calling money to you.
Speaker B:It allowed me to then move differently in the decisions that I'm it allowed me to invest differently.
Speaker B:It allowed me for the different job opportunities that I take.
Speaker B:I'm more so like does it align with the number that I need to hit at this age and if it doesn't okay then I need to make some adjustments having that and having that agency.
Speaker B:And that's when I go back to like the confidence and the freedom to say this doesn't align with my future goal that I'm trying to hit at X age.
Speaker B:So then I need to make some adjustments.
Speaker B:Now that gave me a different level of freedom and I do believe that it calls different opportunities to you because now you're operating and you're walking with a different level of confidence because you know where you're going.
Speaker B:I think many times we and myself included, we just operate in life but we don't have that true like north star of what we're trying to accomplish.
Speaker B:Once you get your number it's a.
Speaker A:Different mindset especially if the number comes in way lower than you thought it needed to be.
Speaker B:Exactly.
Speaker B:And it's the law of attraction.
Speaker B:And so I find that because we don't always talk about money in the investment, wealth, building, estate, building sense that sometimes we are fear of it.
Speaker B:We fear it.
Speaker B:And so we really don't realize that we're not nearly as bad off as we may think or society may be telling us is just having the conversation to understand where we are.
Speaker A:And, you know, I'm looking at my notes because I did want to touch on fear because I truly do believe fear detracts, not attracts.
Speaker A:But before you do, you just dropped some terms on us, right?
Speaker A:You dropped soft life.
Speaker B:Yes.
Speaker A:You dropped work optional.
Speaker A:Never heard that one before.
Speaker B:I do love a work optional.
Speaker A:I was work optional.
Speaker A:I like that I get to work if I want to.
Speaker A:So two decades that you've been in the financial industry and you've really helped people approach money from a place of confidence and peace.
Speaker A:I love that you did that to me.
Speaker A:And so I attest to that.
Speaker A:And what's your.
Speaker A:What is your.
Speaker A:Your.
Speaker A:Like, how can you.
Speaker A:Or what can you share with people to help them sort of dive into a similar journey that you would have had around financial, like, knowledge empowerment, using your building out from your experience.
Speaker A:What would be sort of you're doing?
Speaker B:For me, my whole goal is to simplify the conference, the conversation around money, and demystify and debunk the stereotypes around money that, oh, you can't talk about money because it's so declasse or whatnot.
Speaker B:Like, am I gonna go to dinner and ask somebody, like, how much they make in there at the next table?
Speaker B:No, but.
Speaker B:But you have your trusted group, and I'll give you an example.
Speaker B:For me, it's about having clear conversations.
Speaker B:I was going up for a job a while back, and I have a wonderful core group, you know, many of them, and actually you're one of them also, because that's what you call.
Speaker B:And so I remember messaging the group and saying, like, I'm going up for this.
Speaker B:How should I negotiate my salary?
Speaker B:I'm not really sure how much I should be getting paid.
Speaker B:Two women were amazing, came back, said, yes, this is what I made.
Speaker B:This is what I made.
Speaker B:This is how you should negotiate.
Speaker B:Recently, going to look for a condo.
Speaker B:I knew somebody else.
Speaker B:I was already kind of down the path.
Speaker B:I knew somebody else who was coming in, starting to look for real estate on her own.
Speaker B:I said, hey, I'll share kind of how I negotiated and what I paid because I knew they were looking in the same area.
Speaker B:So to make sure, like, hey, you get a good deal.
Speaker B:It's the Conversations.
Speaker B:I think the first thing is we got to stop gatekeeping information with you.
Speaker B:Does not negate or hurt my check by helping you or giving sharing information with you and vice versa.
Speaker B:So the first thing is stop gatekeeping information.
Speaker B:Second thing is having really simple conversations.
Speaker B:Don't be afraid to ask the question and have a conversation.
Speaker B:And especially in underrepresented communities, we have to have a conversation.
Speaker B:We need to demystify and get away from this whole.
Speaker B:Like, we don't talk about.
Speaker B:We don't.
Speaker B:I don't need anybody.
Speaker B:And I'm from the Caribbean background.
Speaker B:My parents are Bahamians.
Speaker B:I am.
Speaker B:Well, you know, there is.
Speaker B:In our community, there is this conversation of we don't talk about money.
Speaker B:You keep everything in the house.
Speaker B:And then to my, my sentiment to that, well, how's that been working out for us?
Speaker B:Talking about money?
Speaker B:They're doing fine.
Speaker A:Yeah.
Speaker B:And so the other thing is curate the people that you're talking to money about.
Speaker B:So this.
Speaker B:Yes, there's your friends, but we all know there's some friends.
Speaker B:They, they, they not the people to talk to.
Speaker B:Let's keep it 100%.
Speaker B:So curate the people that you're talking to money about, but also make sure you have a good money team that's around you.
Speaker B:Make sure if you need a financial advisor, if you need a financial planner, an estate planner that's helping you make your plan, make sure you have the right money team.
Speaker B:The same way we go to a hairstylist.
Speaker B:Everybody goes to hairstylist.
Speaker B:Like, I'm not the professional.
Speaker B:You go to the professional to do that.
Speaker B:When I want to go to the doctor, I go to the doctor to do that.
Speaker B:You.
Speaker B:If you need financial support, make sure you're going to the right professionals to help you along the way.
Speaker B:So those are my three things.
Speaker A:Money team around you always.
Speaker A:And curate.
Speaker A:And curate those you talk about money with.
Speaker B:Yes, exactly.
Speaker B:Exactly.
Speaker B:And because who you associate with and who you talk about money with is.
Speaker B:Yes.
Speaker B:How it calls all things to you, that definitely matters.
Speaker B:And so those would be the things that I've used over the, over the years.
Speaker B:But it's also, you got to do your own work, too.
Speaker B:Make sure you're looking at credible news and websites that have this information.
Speaker B:We love the Instagrams and the tick and the talks and all that stuff.
Speaker B:And I think it's great because it's been able to put out information to where people may not be able to access it previously.
Speaker B:But make sure we're vetting that information, that it's information so that's what I would say for people to explore the financial journey is just getting started and having the right conversations.
Speaker A:There's never been a conversation that I've had with you around the conversation about money where I haven't felt joy, increased opportunity, like knowledge and, and share, share with the audience.
Speaker A:Like, like, that's almost has to be your starting point.
Speaker A:How could somebody start to introduce some of that into their, into their life right now instead of the stress?
Speaker A:Like what.
Speaker A:What could be some of the things that they could just wake up and start to either save themselves or do?
Speaker B:Yeah.
Speaker B:So I would say the first thing is check your accounts.
Speaker B:You'll be surprised how many people don't check their accounts.
Speaker B:Check your accounts.
Speaker B:Like, and it's not where you have to look at a budget or anything like that.
Speaker B:Just check your account and see how is it doing today.
Speaker B:It's like, it's almost like the girlfriend.
Speaker B:I look at my accounts as my girlfriend.
Speaker B:Like, hey, girl, how you doing?
Speaker B:Just checking in and you know, I'll just send you text mess.
Speaker B:Like, just checking on you.
Speaker B:Just want to see how I do the same with my accounts.
Speaker B:Just checking on you.
Speaker B:Just want to see how you're doing.
Speaker B:A lot of folks don't check our accounts out of fear because we don't want to be in there.
Speaker B:You would check on your strong girlfriend.
Speaker B:You would check on your or guy friend, whoever.
Speaker B:We don't discriminate here.
Speaker B:And you would check on your friend just to see how they're doing.
Speaker B:So start looking at your accounts in that way.
Speaker B:So I think that's just the first easy thing.
Speaker B:The second thing I would do is look around your house.
Speaker B:What are the brands that you constantly buy that you have an allegiance to?
Speaker B:There are brands that I'm like, I grew up on.
Speaker B:I still buy them today.
Speaker B:My, my laundry detergent.
Speaker B:I have bought the same laundry detergent for like 20, 30 years.
Speaker B:I grew up on it.
Speaker B:Start with that.
Speaker B:If you just start looking at those things that you buy all the time, because again, we are the.
Speaker B:Usually women are the largest consumer of or choosers of what we consume in our household.
Speaker B:This could be anybody.
Speaker B:And so what are the brands that you're already familiar with?
Speaker B:And then start looking at those.
Speaker B:Literally.
Speaker B:You could go to Yahoo Finance, you could go to cnbc.
Speaker B:Really any credible financial source like that.
Speaker B:Type in the, Just type in the brand and just say, I want to get to know this brand.
Speaker B:And you could literally Google like financial information on this brand.
Speaker B:Take one brand a day, one brand a Week.
Speaker B:It doesn't matter.
Speaker B:Those are simple things that you could just start doing because you already have a buy in.
Speaker B:You're already buying the product all the time.
Speaker B:Get to know the product.
Speaker B:And so those are two simple things that I would start to do like just if you want to dip your toe and just to understand the industry and what it's about.
Speaker B:And then to your point, open up a direct investing account or you know, do it yourself account.
Speaker B:Many accounts these days you actually don't have to put money in.
Speaker B:You can also almost do like a fictitious.
Speaker B:They give you like fictitious money that you could just kind of fake.
Speaker B:You're not losing anything.
Speaker B:But it's a great way for individuals to start to get to know what is trading, what is investing and have lots of financial information at their fingertips.
Speaker B:So those would be my three things.
Speaker B:If you're just tipping your toe that are just very simple, very easy.
Speaker B:You don't.
Speaker B:You're not at any risk in the sense that you're putting your own money in, but you can just start to.
Speaker B:To see how things are operating.
Speaker A:And I love that last one I gave, I gave somebody the advice.
Speaker A:Investopedia is a great place to go and look for some.
Speaker A:Right?
Speaker B:Yeah.
Speaker A:And they have kids tools as well.
Speaker A:Right.
Speaker A:So you can actually start to get your kids learning this at a very young age and starting to break the cycle of.
Speaker A:Of it not being something that you talk about in your.
Speaker A:In your home.
Speaker B:Something.
Speaker A:Something else.
Speaker A:I love that you may not that I want to pull into this because this is called well within.
Speaker A:And I love how you said survey your home and just start there because.
Speaker A:Meaning that anytime you bring something into your home, if you have invested, if you have investment in it, then essentially investing in yourself.
Speaker B:Exactly.
Speaker A:And I think that that's how you bring wellness within.
Speaker A:Like financial wellness within.
Speaker A:I just like that.
Speaker A:Just like it just flows this well within.
Speaker A:Start from within.
Speaker A:Just look around survey and.
Speaker A:And now you know you're paying yourself as you're also buying these products.
Speaker B:Exactly.
Speaker B:It's like you're paying yourself mindset.
Speaker B:Yes.
Speaker B:Yeah.
Speaker B:Glass half full all the time.
Speaker A:I love it.
Speaker A:Anytime I watch Netflix I'm like ching, ching.
Speaker B:I love it.
Speaker B:Netflix.
Speaker B:Oh yes.
Speaker A:I'm like investing.
Speaker A:At least I'm paying money but still also investing.
Speaker A:So so conversations we you've touched on it.
Speaker A:They aren't easy and people are.
Speaker A:So I'm going to tap into this a little bit because some people right now will feel that they will have to go and build what you say, curate your Your circle.
Speaker A:So what would like if you were now looking to create, curate your circle and it may not be just your, your friends that you talk to all the time, what would need to be true?
Speaker A:Like what would you be looking for in that?
Speaker B:Oh yeah, and full disclosure, I don't just talk to my friends.
Speaker B:Like I think you need folks.
Speaker B:So the first thing is I look for folks of all different ages.
Speaker B:And so, and here's why I look at different ages from a perspective of wisdom, experience and also like I love this new Gen Z generation.
Speaker B:They are like so the level of audacity that they have is what I need to have in my life.
Speaker B:So, so, so I look for all the different ages because they all bring something different.
Speaker B:They all have approach.
Speaker B:So I look at different ages, I look at different experience backgrounds.
Speaker B:So I would have a lawyer that's in there and not necessarily that I'm going to them for legal advice.
Speaker B:But they're going to look at it from a very financial or technical ability is going to come from a very different perspective.
Speaker B:I would have somebody who is completely outside the financial industry, doesn't have anything to do with it.
Speaker B:It's about having the different perspective.
Speaker B:What I'm looking at when I'm curating my, the folks that I might go to for financial advice and sometimes it's not and what I want to be clear, sometimes it's not even finance financial advice I'll give you Today I had a conversation with somebody and the person is very much into the development real estate industry.
Speaker B:And I called them, I'm looking at a condo and I said, hey, I want to get your, your idea, your thoughts on this.
Speaker B:And they've said, hey, you should look at this and you should look with the reserves or whatnot.
Speaker B:That person's not in the financial industry, has nothing to do with it.
Speaker B:But I knew that they were a developer and they could guide me on that financial situation.
Speaker B:So I would say look at what your, what are the gaps that you feel like you currently have where I have that expertise or you might have not that knowledge and find somebody who's in that industry.
Speaker B:LinkedIn is a great opportunity.
Speaker B:I have sent messages.
Speaker B:I would literally look for somebody on there and who has a certain career or whatnot.
Speaker B:You know, how you see different people's profiles.
Speaker B:I have no problem sending by somebody a coffee chat or hey, can we have a virtual coffee chat?
Speaker B:I just want to learn more about your career and what you do.
Speaker B:That's another that I add to the repertoire.
Speaker B:And so it's not the first thing is not being afraid to say I don't know.
Speaker B:And I just want to learn more.
Speaker B:People love to talk about themselves.
Speaker A:Yeah.
Speaker B:And I mean in the most respectful way that people love to share their experiences.
Speaker B:On who I'm curating to say not just out, just outside of my friend group.
Speaker B:I'm looking for a different age group.
Speaker B:I want you to have different job type for me me because you're bringing a different type of perspective.
Speaker B:And then don't be afraid to just ask questions for people that you don't know.
Speaker B:I will strike up a conversation with the person at the grocery store because that if I see somebody buying something like why'd they buy that I was natural curiosity.
Speaker B:Because that's also attract people to you that you may not always be like oh this person.
Speaker B:I have something in common.
Speaker B:Just be curious and you'll find you'll figure out where you need to be and the people will audit will be attracted to you as well.
Speaker A:I love that.
Speaker A:I love that.
Speaker A:And so I. Wow.
Speaker A:We've been.
Speaker A:We're going, we're going.
Speaker A:We're gonna start to wrap up.
Speaker A:But so as.
Speaker A:As.
Speaker A:As part of empowered my skin and as part of even just me becoming a well human.
Speaker A:How I talk to myself.
Speaker B:Yes.
Speaker A:Is.
Speaker A:Is has been tantamount to me like being able to just kind of get through life.
Speaker A:And I truly do believe like your whole thing about.
Speaker A:I love that like pick up like look at your counts and just like there was something you said, you said like you checking on your strong friend.
Speaker A:You know what I mean?
Speaker A:And so striking on checking on your account.
Speaker A:Right.
Speaker A:So what are some of the things the languages that you still hear that people are using sane around money that you really wish can shift.
Speaker B:That they can't afford to invest.
Speaker B:Especially nowadays there's no reason to invest.
Speaker B:If you got $20 you can invest.
Speaker B:They're like, you know, I know.
Speaker B:I'm dating myself now.
Speaker B:Back in the day we didn't have fractional shares.
Speaker B:No.
Speaker A:We didn't even know.
Speaker B:Come on.
Speaker A:It was not that far.
Speaker A:What fractional shares have been around for how long.
Speaker B:Fractional shares where you.
Speaker B:Where people can actually invest that that's more recent that.
Speaker B:That's more last five.
Speaker A:Did you hear that or is that just me?
Speaker B:No, that's me.
Speaker B:That.
Speaker B:That's me.
Speaker B:Sorry.
Speaker A:Okay.
Speaker B:Okay.
Speaker A:Just you didn't react.
Speaker A:So I was like hold on.
Speaker B:Okay, keep going.
Speaker A:I was like, is there buzzing in my hand?
Speaker B:No, that was it.
Speaker B:I was like, you're supposed to be on Mute.
Speaker A:Who's coming to take me away?
Speaker A:Okay, go.
Speaker B:So, you know, nowadays there's fractional shares, there is exchange traded funds.
Speaker B:There's so many opportunities to get into building wealth, building investments at a very minimal amount.
Speaker B:And so now when I hear folks say, oh, I don't, I don't, I can't afford to now not saying, like everybody has stuff that's going on, but I just want people to dispel the myth that it takes hundreds of thousands of dollars to get into the investment market.
Speaker B:That's.
Speaker B:I want that language to disappear also.
Speaker B:The language that if you come from a certain socioeconomic background, that you're just not smart enough or you just can't do it.
Speaker B:That it is a quintessential middle aged, pale males industry.
Speaker B:Yeah.
Speaker B:Still to some extent.
Speaker B:But there's entrance and agency for everybody.
Speaker A:And there's enough room for everybody.
Speaker B:Exactly.
Speaker B:And so then also the confidence, like the other thing is that I don't know or I don't want to start or people are scared to start these days.
Speaker B:There's so many entry level opportunities to start.
Speaker B:So I just want us to be kinder to ourselves and give ourselves more credit and grace than we typically have and to debunk that we can't do this.
Speaker B:This is absolutely something we can do.
Speaker B:This absolutely something we should be doing.
Speaker B:And there's lots of information out there, credible information that's available to get us started with that.
Speaker A:And I'm hoping to the listeners that are not, have not started that.
Speaker A:That was just actually so simple.
Speaker A:And it's really quite true.
Speaker A:Like ever since we've set up my direct investing account, I was doing a automatic 25 from every paycheck.
Speaker A:Right.
Speaker A:Like, and because you could buy fractional shares, you, you can, you can you just take a minute to explain what a fractional share is?
Speaker A:Because I think that, that, that really, that really made me feel like, oh, wow, So I can buy Apple, I can buy Google, I can buy Netflix.
Speaker B:Yeah.
Speaker B:So in layman's terms.
Speaker B:So right now, I don't know what the prices are right now, but I'll just say, I'll give you figurative numbers.
Speaker B:So let's say one share of Apple.
Speaker A:I haven't, I have my dirt.
Speaker A:Let me just check.
Speaker A:Go on.
Speaker B:So let's say one share of Apple cost a thousand dollars.
Speaker B:I'm just rounding up.
Speaker B:And let's say Netflix is right behind it, like $800 for one share.
Speaker B:So every one share you have to pay $800.
Speaker B:So if I needed to build a Portfolio of, let's say, Microsoft.
Speaker B:You know, Mike, Microsoft.
Speaker B:I'm blanking.
Speaker B:If we did Facebook or all these type of Netflix or whatnot, if that.
Speaker A:Would be the thing they call it.
Speaker B:Exactly.
Speaker B:That would be really expensive to do that.
Speaker B:However, fractional shares means that I can buy like, let's say a fifth of that company or that share.
Speaker B:So 1/5 of the share.
Speaker B:Instead of having a whole share, I'll have a fifth of it.
Speaker B:So I'm still getting something.
Speaker B:I'm still buying into that company, but I'm just not doing it at the $800 mark.
Speaker B:I might be doing it at the $50 mark, but I'm still owning a piece of that really profitable company at the time.
Speaker B:So we're buying a fraction of the company.
Speaker A:Right.
Speaker A:And so right now I have like, I have Google, Netflix, Apple and Amazon, and then I have like Lightspeed and.
Speaker A:And a couple others.
Speaker A:And anyway, this is for.
Speaker A:Those are not fractional.
Speaker A:Sorry.
Speaker A:So the fractional ones that I have are Google, Netflix, Apple, Amazon, and then everything else is not.
Speaker A:So Google is like 38, 34, 38.34.
Speaker A:Netflix is 47 and 73 cents.
Speaker A:Apple.
Speaker B:And these are.
Speaker B:Yeah.
Speaker B:And these are the fractional shares that you bought, right?
Speaker B:Yeah.
Speaker A:Right.
Speaker A:34, 49.
Speaker A: And Amazon is: Speaker A:This is @ today's.
Speaker A:Right.
Speaker A:And when I saw that and the fact that.
Speaker A:Okay.
Speaker A:And then the portfolio has been growing, like, literally, like I started, and it's only been growing.
Speaker A:So I think it's.
Speaker A:I think.
Speaker A:Anyway, I thought it was beautiful.
Speaker A:You introduced me to it and I was like, I have to try.
Speaker A:And it's real.
Speaker A:It's actually real.
Speaker B:You're smiling right now.
Speaker B:Look at the confidence you have on your face that you took ownership of your financial destination.
Speaker A:It feels good.
Speaker A:And you know, one of the other things, I will say, because you said it before, about looking like the other thing I did was I tried to consolidate everything into a view.
Speaker A:And so that when I do pick up my phone and I look, I can actually see my portfolio.
Speaker A:I can see the numbers.
Speaker A:And don't judge the numbers.
Speaker B:Right?
Speaker B:Exactly.
Speaker B:Yeah.
Speaker B:The numbers are what the numbers are going to be.
Speaker B:But it's going back to, okay, do you have the right money team and you've curated your financial group that you have, then you know that there's going to be fluctuations and you know that things are going to go up, down, sideways or whatnot.
Speaker B:But it's about making sure that you have that North Star.
Speaker B:You've created that plan.
Speaker B:You know where you're going.
Speaker B:So, yeah, there's always gonna be ebbs and flows, but you're ultimately going to a final destination.
Speaker B:Well, not the final desk, but I.
Speaker A:Know, I get it.
Speaker A:Yes, yes.
Speaker A:You're heading to the.
Speaker A:Where you.
Speaker A:You're heading back to what you said earlier, which is the.
Speaker A:The what.
Speaker A:What needed to be true for you.
Speaker A:Like, what am I trying?
Speaker A:What are.
Speaker A:What.
Speaker A:What kind of life do I want to live?
Speaker A:And then what do I need in order to be able to afford that?
Speaker A:That.
Speaker A:And there you go.
Speaker A:You got your number.
Speaker A:Yeah, exactly.
Speaker A:And so weaved into all of this, too, is the power of the network.
Speaker A:Like, you've also been building a little bit on that, on that story and that truth.
Speaker A:And so I just want to call that out in case that was missed.
Speaker A:Is that even when you start to think about being well financially or your financial well being, the.
Speaker A:Obviously the.
Speaker A:Who you have around you matters.
Speaker A:But look how she talked about strategically, how you can sort of build a network where you can go and ask questions, where you can get help and get like, you never need to really feel stuck, you know?
Speaker B:No, you don't need to feel stuck and you don't need to feel alone.
Speaker B:Especially in today's age.
Speaker B:There's so much information, so many people that more so now than before that are willing to talk about money and that want to talk about money in a.
Speaker B:In a very educated.
Speaker B:And when I say educated, I don't mean formal educated way.
Speaker B:I mean more of a. I want to have more of a factual conversation with you.
Speaker B:That's what I mean is.
Speaker B:And there's more people that are open and willing to have that conversation now.
Speaker B:I think that was before.
Speaker A:And are there, like, I'm assuming you continue to learn and grow and advance your knowledge and all this.
Speaker A:Any other.
Speaker A:So are there any, like podcasts or books or things that you go to that you can like?
Speaker B:So glad you asked.
Speaker B:So I'm old school.
Speaker B:I do love a good book.
Speaker B:And so I'm looking at some of them now.
Speaker B:So some of the books that I read are money driven, but some are just more just confidence as well when you go into the room.
Speaker B:So I'm just looking over here, one of the books that actually can I grab.
Speaker B:Can I grab books?
Speaker A:Yes, yes.
Speaker A:But.
Speaker A:But I'm going to be asking you about books and the rapist driver, so I don't want you to.
Speaker A:Don't share your.
Speaker A:Your.
Speaker A:Your best book yet.
Speaker B:Okay, I won't share my best.
Speaker A:Okay.
Speaker B:Okay.
Speaker A:You're stealing my interview.
Speaker B:So sorry.
Speaker B:I call you right back.
Speaker A:Okay?
Speaker B:Don't worry, I won't give my best one.
Speaker B:I won't give my best one.
Speaker B:All right, so there's a couple books that I like.
Speaker B:Good old fashioned Rich dad, Poor Dad.
Speaker B:I just feel like this is a good, simple book to get you started.
Speaker B:I also like this one about grit.
Speaker A:Oh, yes.
Speaker A:What's the author again?
Speaker B:The author of this one is Angela Duckworth.
Speaker A:Duckworth, yes.
Speaker A:Yes.
Speaker B:I really like this one.
Speaker B:If you're looking for a good read, confidence, resilience, that sort of thing, love this one.
Speaker B:And then I would just.
Speaker B:I'll do this one.
Speaker B:So this one I'll just do three girls that invest.
Speaker B:So I think anybody who is just looking for.
Speaker B:Just to get started with investing want to have it in layman's terms, easy to read.
Speaker B:I thought that this was a really good look and it's for anybody.
Speaker B:It's about.
Speaker B:I won't tell you, tell everybody what it's about, but they can Google.
Speaker B:But I think it's a really good easy read that if you're looking to just get started and just no terminology, that sort of thing, I think that's an easy read to do.
Speaker A:That might be one I have to get because I have never.
Speaker A:I have not read that one.
Speaker A:Yeah.
Speaker B:Okay.
Speaker B:Yeah, so those are, those are my, my three fears.
Speaker B:If I'm talking about books and then podcasts, there used to be one by the Wall Street Journal called the Wealthy.
Speaker B:I think it's called the Wealthy Women.
Speaker B:You can still find it online.
Speaker B:They would interview women CEOs and talk about their journey and how they created wealth through their companies and how they invested their money to continue to grow the company and also make.
Speaker B:How did they make financial decisions?
Speaker B:What were the risks that they had to take?
Speaker B:So I really liked that podcast.
Speaker B:So that's the one that I actually still listen to to this day.
Speaker A:I love that.
Speaker A:I love that.
Speaker A:And so I have one final.
Speaker A:I have one final question for you and then I'm going to go into rapid thrivers and wrap up this interview with you.
Speaker A:This is, by the way, you are feeding my joy so much.
Speaker A:Just, just a sidebar too, because I also want to say, like, like I think there's, like, as I reflect back to when I decided to be and because I think I talked to you about that, I said I wanted to talk more about money.
Speaker A:I want to understand my money a lot better.
Speaker A:And I think one of the first thing he told me, well, you have to.
Speaker A:First you have to look at it and then you also had.
Speaker A:I, I didn't know.
Speaker A:I actually had never.
Speaker A:I didn't know what I've had masked.
Speaker B:Right.
Speaker A:And so even just getting that really helped.
Speaker A:I was like, oh, wow, it's much better than I thought.
Speaker A:But also, then, then that just started to kick off more because then just by wanting to be more hungry about investing, I learned about venture capital, I learned about angel, angel investing, and then I became an accredited angel investor.
Speaker A:And then you get to start to invest in other women's dreams.
Speaker A:Like, and, and I think it's just, it's such a.
Speaker A:Anyway, it's just such a beautiful thing.
Speaker A:I think it's such a beautiful thing.
Speaker A:So I'm hoping anyone that's listening to this feels the joy because you kick started it for me and this feels like such an opportunity to pay back to others.
Speaker A:So.
Speaker B:Yeah, yeah, I love talking about money all day long.
Speaker A:Yeah, I know, I know.
Speaker A:So with everything that you said and you.
Speaker A:And it might have to be one thing that you've repeated or something like that, I want to know, like, what is the one simple practice that you love the most that you can share with a listener today to alter their mindset towards one more of feeling more confident?
Speaker A:Well, and you know, as humans, we love control, control of their money.
Speaker A:Everything you said.
Speaker B:Yeah, I know.
Speaker B:Oh my gosh, we've had such a great conversation.
Speaker A:Maybe it's your favorite piece of advice.
Speaker A:What's.
Speaker A:Even if you've said it already, you know, I'll.
Speaker B:Maybe it's.
Speaker B:It's so cliche and it's so simple.
Speaker B:Ask the question.
Speaker A:That's it.
Speaker B:Because if we talk about talking about money, we talk about like everything that I feel like we've talked about all really comes back to.
Speaker B:The first thing you have to do is ask the question.
Speaker B:Really sit back and think about what is it that you need and what is it that you want.
Speaker B:And then go ask the question to those folks who can help you.
Speaker B:And so for me, it's, I think it's just starting the conversation.
Speaker B:If I wasn't so just like, hey, I love architecture.
Speaker B:I'm just gonna walk into this building and figure out what's going on.
Speaker B:Don't be afraid to ask the question.
Speaker B:Start the conversation.
Speaker B:Everything else comes afterwards.
Speaker B:You and I talking about, you know, your direct investing and my Louis Vuitton bag that I returned.
Speaker A:And I was like, all that, right?
Speaker B:All of that started with the question.
Speaker B:Question.
Speaker B:A conversation.
Speaker B:And so I think it's just the simple, just easiest thing is just start with the question.
Speaker B:And go from there.
Speaker A:Thank you.
Speaker A:I love that.
Speaker A:I actually really love that.
Speaker A:So when you think of someone who inspires you, who comes first to mind.
Speaker B:My mom.
Speaker B:Yeah, absolutely.
Speaker B:She is the.
Speaker B:She's no longer here anymore, but she continues to inspire me every day.
Speaker B:She is the reason I am who I am today.
Speaker B:So, yeah, she is the one who inspires me for everything that I do.
Speaker A:I'm really sorry for your loss too.
Speaker B:Yeah, no, but it's still joyful because I am her walking facilities on steroids.
Speaker B:She is definitely, I would say, family wise, she is the one who inspires me.
Speaker B:And then I would say industry wise.
Speaker B:And I'm blanking on her last name, of course.
Speaker B:And I adore her so much.
Speaker B:She's my friend in my head.
Speaker B:Melody.
Speaker B:It is blanking.
Speaker B:She just did a beautiful interview with, with Emma.
Speaker B:It'll come to me later.
Speaker A:Okay.
Speaker B:She's.
Speaker B:Yes, she'll come to me later.
Speaker B:I will send.
Speaker B:I'll send you.
Speaker A:What, what, what is it about her?
Speaker A:I'm looking her up.
Speaker A:Melody.
Speaker A:Oh.
Speaker A:What's her claim to fame?
Speaker B:So she is the Melody Thomas Scott Hobson.
Speaker A:Melanie Melody Hobson.
Speaker B:H O B.
Speaker B:So she is the co. CEO of Ariel Investments.
Speaker B:So especially when I came up in the industry, there was women, especially minority women, black women, who were leading in the investment industry.
Speaker B:So she has always been kind of the inspiration, mentor in my head of having representation in the financial investment industry.
Speaker B:So she is also, I would say, my other inspiration.
Speaker A:So we're going to have to clip this part.
Speaker A:Tag her so that you can.
Speaker A:I don't know if you've met her yet, but this, this, this might be it.
Speaker A:Okay.
Speaker B:Yeah.
Speaker A:What is a daily activity that you do?
Speaker A:I think I know what you're gonna say.
Speaker A:What is a daily activity every day that makes you feel financially well.
Speaker B:Oh, God.
Speaker A:I checked my account.
Speaker B:It's not even like.
Speaker B:And when I say check my.
Speaker B:It's literally like I don't do anything sometimes.
Speaker B:And I'm not checking it for balance or to be like, oh, my gosh.
Speaker B:No, it's not that at all.
Speaker B:It's my activity.
Speaker B:It's literally a three minute activity.
Speaker B:I check it because it's about the discipline.
Speaker A:Yeah.
Speaker B:It's my accountability.
Speaker B:That.
Speaker B:Okay.
Speaker B:If you want to go spend that, like, okay, you got to face the music tomorrow.
Speaker A:Yes, yes.
Speaker B:But it's also making sure anybody doing no funny business up in there either.
Speaker A:Well, I was just about to say that's also the benefit as well, is that you get to see transactions a lot sooner.
Speaker B:Exactly.
Speaker B:So for me, it's check my accounts and it takes me two to three minutes.
Speaker B:That's it.
Speaker A:And one other thing, because this is very recent, so I was an avid debit user or cash in wallet.
Speaker A:I still keep cash because you just never know.
Speaker A:But we went for dinner and I can't remember if it came up when we were paying for the dinner.
Speaker A:Was it at the time we were paying for the dinner?
Speaker A:And you said to me quite boldly, she says, debit is the, is the, the.
Speaker A:Is the way that you keep the port.
Speaker A:What is it?
Speaker A:The definite.
Speaker A:Is the way you keep the.
Speaker A:Poor man.
Speaker B:I was just like, oh, when we use our debit cards, we're not getting any, any points.
Speaker A:Something like that.
Speaker A:Like you're not getting any points or something.
Speaker A:She says, no, no, you don't do that no more.
Speaker A:You get into a great habit of paying your credit card.
Speaker A:You get the points.
Speaker A:And I will be honest with you, it is, it's like even this evening I gassed up my car and as soon as I finish this, I'm going to just go and move the money from my, my, my cash account into my credit.
Speaker A:And I know I get the point.
Speaker A:So my points have been racking up since we met that day.
Speaker B:And again, ask the question and those and just everybody knows we have that kind of rapport where we are each other's financial accountability.
Speaker B:So I'm like, what is happening here?
Speaker B:And so, and I know that.
Speaker B:I know that you're very disciplined in that way.
Speaker B:And so I was like, hey, let's also get the benefit.
Speaker B:Like, let's make sure when we want to go to that trip later on.
Speaker A:Yeah, you have the points to do it.
Speaker A:Right, Right.
Speaker A:I don't want.
Speaker A:I wish I took a baseline that day of where my points were, but I think that they've grown by about 50,000 because I think it was like, it's 357,000 now, but I think they were like at three something.
Speaker A:Yeah.
Speaker B:Yeah.
Speaker B:So, yeah, it's those kind of.
Speaker B:But it's those kind of questions asking the question.
Speaker B:But it's also like, I'm making sure my friends are good.
Speaker B:I'm making sure that we are all like, we move as one.
Speaker B:One wins, we all win.
Speaker B:And so, yes, that's my mentality of just like, we ain't doing that.
Speaker A:No.
Speaker A:And it's also another.
Speaker A:I also, I have recognized that it is actually easier for me to see my transactions.
Speaker A:I mean, I'm trying to.
Speaker A:My discipline is, is, is I purchase it and I put.
Speaker A:And I put it on only because I've had.
Speaker A:I've had a bad practice of running credit and I don't want to ever get into that situation again.
Speaker A:And I also, I don't want to even.
Speaker A:Like this.
Speaker A:This interview can go on.
Speaker A:So let me, let me get back to the rapid thriver we.
Speaker A:By the way, I am trying to convince her to be my financial expert on the podcast.
Speaker A:So she's coming back for sure for an actual episode on the technicalities of financial.
Speaker A:So what is that book?
Speaker A:That extra book that you didn't show us that is really.
Speaker A:That just kind of helps you be well.
Speaker B:It is.
Speaker B:Hold on.
Speaker B:I am now.
Speaker B:You know how I am with names.
Speaker B:Hold on.
Speaker B:I am literally pulling it up now.
Speaker B:It's called yes.
Speaker B:So I would say one of my books.
Speaker B:Again, an easy read that is just like very empowering, very no bs.
Speaker B:It is called the First Hundred K is for financial feminism and money education Again.
Speaker B:And this is for anybody who read.
Speaker B:I loved the way that she approaches the kind of.
Speaker B:I'm not taking anything for granted.
Speaker B:I am taking up space at the table and really breaking down the financial lingo.
Speaker B:And so that was one of my, I think, first books early on that I got to read.
Speaker B:And then this one is just going to be random.
Speaker B:Any of the financial.
Speaker B:You know that the series like Dummies.
Speaker B:It's like the yellow book.
Speaker A:Yes, Dummies.
Speaker A:For.
Speaker A:Yeah, yeah, yeah, yeah.
Speaker B:I live by all of them.
Speaker B:Any of their financial books are amazing.
Speaker B:They're fun to read.
Speaker B:And that was really, that was actually.
Speaker A:Brilliant when whoever did that.
Speaker A:I don't know the story behind it, but fantastic, fantastic brilliance.
Speaker B:Yeah.
Speaker A:What is an app that helps you with, with your, with your financial wellness?
Speaker B:You said, what is an app?
Speaker B:Oh, so my banking app.
Speaker A:I don't, I don't use anything like.
Speaker B:I don't use anything like extracurricular.
Speaker B:It's my banking app.
Speaker B:And then I just use a spreadsheet.
Speaker B:I just have a simple spreadsheet that I do my little budgeting on stuff.
Speaker B:Yeah, yeah, yeah.
Speaker B:So, yeah, maybe I'm a little old school in that way.
Speaker A:No, no, that.
Speaker A:And that.
Speaker A:And that's one thing I need.
Speaker A:That's the part I need to get better, is the budgeting.
Speaker A:But I know you're helping me with that.
Speaker A:And so we'll deepen those conversations.
Speaker A:And now what is one misconception, Ms. Delicia, that people have a view as they see you?
Speaker A:Because I will be honest with you.
Speaker A:You talk with, with like the experiences is you can't.
Speaker A:Can't be faulted.
Speaker A:Like, it's there, it's there.
Speaker A:It's inspiring.
Speaker A:It's delivered in a way that is simple.
Speaker A:But I do.
Speaker A:I believe that it is possible to have people have a misconception of you.
Speaker A:And what do you think that is?
Speaker B:Oh, probably that I'm.
Speaker A:I.
Speaker B:So I think it's maybe two wrapped up in one.
Speaker B:I am not the quintessential cookie cutter.
Speaker B:What you typically see as a financial news anchor or financial person.
Speaker B:This, for me, like, this is my lack of color today.
Speaker B:But, you know, when you typically see me, I'm in some bright color.
Speaker B:I'm always.
Speaker B:I love all the fashion.
Speaker B:I love to be gaudy sometimes.
Speaker B:And so I do have a very joyful personality.
Speaker B:And typically, people have a stereotype of they think financial strategist or financial.
Speaker B:Somebody who's in the investment industry.
Speaker B:You're very.
Speaker B:And so I can be very matter of fact.
Speaker B:But I'm like, hey, I live life.
Speaker B:I have a good time.
Speaker B:And so I think that you can have both.
Speaker B:That everyone can be more than one thing, and it doesn't have to be in this box.
Speaker B:So I would think that's a common misconception.
Speaker B:When people find out what I do and they're like, oh, is that what you do?
Speaker B:I'm like, yes.
Speaker A:Yeah.
Speaker A:I love that you can have both.
Speaker A:And, you know, I say this all the time.
Speaker A:There is a book by that title, but I actually use in action is the Genius of Van versus the Tyranny of War.
Speaker A:You can have both.
Speaker B:Yeah.
Speaker A:Life is meant to be additive.
Speaker A:Yes.
Speaker B:Yeah.
Speaker B:And I want people to see that you can, especially in the financial industry.
Speaker B:It's not just the cookie cutter.
Speaker A:Boring.
Speaker B:I'm not saying it's, you know, everyone's boring or whatnot, but we're not all the button up tight.
Speaker B:You can still have fun and enjoy what you do.
Speaker A:Yeah, I can understand that, being in tech.
Speaker A:So where do we find more of you online?
Speaker B:You can find me on all socials at.
Speaker B:I am Delicia.
Speaker B:Delicia is spelled with two E's.
Speaker B:D as in delta, E, L, E, C, I, A.
Speaker B:And so thank you for sharing your platform with me today.
Speaker B:I so appreciate you.
Speaker A:I love.
Speaker A:Don't think you have one more question.
Speaker A:Finish this sentence for the world.
Speaker A:I am most empowered in my skin when.
Speaker B:I'm most empowered in my skin when.
Speaker B:Oh, that's a really good one.
Speaker B:When I feel strong.
Speaker B:I feel strong when I have a clear path and that I'm using my money as a tool that of just survival.
Speaker B:And so that makes me feel strong.
Speaker B:I feel empowered when I feel strong.
Speaker B:And because I have clarity on my.
Speaker A:Money, I love it.
Speaker A:And there's nothing better than a great story that that ends the way it started.
Speaker A:And the main fact that you just wrapped up like that.
Speaker B:Yeah, it's beautiful.
Speaker A:Thank you.
Speaker A:Thank you so much.
Speaker A:So, so much.
Speaker A:This is so fabulous.
Speaker A:I'm so happy that this is the first of the well within series and we have taught you through this how to bring wellness, financial wellness and well being into your space, into you and into the space around you.
Speaker A:And so you know, if you need hit, hit rewind, listen to it again, get out your notebooks, take the notes and take action.
Speaker A:But for now, this is where I have to say we're out.
Speaker B:Bye bye.
Speaker A:As a reminder, the information shared in this episode was for educational and inspirational purposes purposes only and do not constitute financial, legal or investment advice.
Speaker A:Always consult with a qualified financial advisor or professional before making any financial decisions.
Speaker A:The views expressed by our guest are their own and do not necessarily reflect the views of their employer nor of the Empowered in My Skin team.
Speaker A:There you have it.
Speaker A:I trust that you are feeling more empowered in your skin.
Speaker A:As the late Dr. Maya Angelou said, when you get, you give.
Speaker A:When you learn, you take teach.
Speaker A:So it would mean so much for us at Empower to My Skin Inc.
Speaker A:If you share this episode and tag us or teach an insight that you took from today's episode on your social and tag us.
Speaker A:Feel free to leave us a review over at itunes and follow us on social media.
Speaker A:Power to My Skin finally, remember to subscribe so you never miss an episode.
