Let's talk about my complicated relationship with money | AITL?! EP 61

Welcome back to Amai Too Loud, the podcast with Sophie A.K.A, the mother-fricking Audity and guys, we have our first sponsor of Amai Too Loud, the flippin' podcast. So let me read my little ad read, okay, okay, okay. Hey pod fam, this episode is sponsored by Send Wave. For so many of us, money isn't just about bills and budgets, it's family, it's support, it's making sure someone back home wherever home is to you is okay. For me, that's someone is my mom, and Send Wave makes it easy to send a little love whenever I can, even when life is life-ing. That's why I'm so excited to partner with Send Wave. Send Wave is an app that helps you send money internationally to loved ones, quickly, securely, and right from your phone. So whether you're supporting family, helping with something urgent, or just sending a thinking of you blessing, Send Wave makes the process simple. And listen, as someone who knows how important it is to stay connected to the people we love, especially across borders, I love anything that makes sending support feel less stressful. Download the Send Wave app today and use code Audity for a $10 credit towards your first transaction. That's ODDI-TTY for a $10 credit, and that's for your first transaction only. And with that, let's get into today's episode of Amai Too Loud. The podcast is still for you, aka the mother fricking Audity! Welcome to Amai Too Loud, the podcast. Oh my god, guys! Use my promo code, use the link, click the link in the description. Shout out to Send Wave. That is literally what I have been using to send money back home. You guys know how much I love my mom. Are you guys on the set? If you know immigrant parents, you know that we oftentimes have. We don't have to necessarily, but it just oftentimes is what we have to do. Like your parents are going to send you like, oh, what about my thing? You know, you have uncles, you have aunties, you have cousins. You just have people you want to share with. So if you're in U.S., the EU, Canada, the UK, just anywhere really internationally, you can always send money home. You can send it to Ghana, Nigeria. I send off into Ghana, Nigeria. Exchange rates are always super great. And you're going to tend to look at it with my code. So use Audity, if you're ever going to use it, if you're someone who's listening, or just click the link because you guys don't know. You go, it gets it discount. For any time people click my link. Oh, I can't believe it. My prayer for this year was to get a sponsor for the podcast. And I finally got one. I am so grateful. And let's get into this episode because I really am excited to talk about this. But you know, excited. You need to first. Siri, I'm not talking to you. Sorry, guys, that was my Siri. But yo, guys, if you couldn't hear my voice, well, duh, this is a podcast. You can hear my voice. I do sound sick. That is because your girl, excuse me, your girl has a cold. Now, since episode we're going to be talking about money, money, money, money, money, money, money, money, money, money, money, money, money, money, okay, Siri, I'm not talking to you now. What's going on? I just don't ask need out of you. What's happened? Sorry, guys, I'm a bit cranky. I'm taking some cold medicine, okay, okay. Okay, so I was talking about money. And this is not because of our sponsors. We got a sponsor. This is not because of our sponsor. I promise, however, the sponsor is playing a big role in this episode, which is great. And I was, I've been wanting to talk about money. And I feel like I have kind of had an episode similar to this, maybe, but maybe not to this extent. Also, if you guys noticed, we still have the green couch, which I'm excited for. And I am leaning towards this vibe for the podcast, because I love sitting on a couch, guys. I love laying on the couch. I love watching Hulu shows on my couch. I just love it. And that's not even a shout out to Hulu. Oh my god, what did I say Hulu? That's free sponsorship. It's because I've been watching some of my favorite shows on Hulu recently. Anyways, I sound sick. I've been sick for a while. And I'm realizing that I don't know if I told you guys this the other day. I'm more going to get into the episode I promise. But, you know, let's get into it. The other day, you know, I was sitting, it was two weeks ago. My friends were having their party. Shout out to the shout out, I can't speak. Shout out to shut up and dance. My friends, any cash in Justin UG are two incredibly talented actors, entertainers, party enthusiasts, whatever you might call them. They put in a party in Philadelphia. And I was in attendance and I was shaking my ass and having a good time. And while this was happening, a few other friends came to visit. Right? And so we're all in this, we're all in their house. We're having a good time. And this friend of mine, who's known me since my DC days, because I used to live in DC, he just goes like, oh my god, Sophie, you've been so healthy recently. And guys, yo, I think he, um, he played me like he played with me in the universe. You know when you say something into the universe, and the universe is like, hey, that's so true. Now we're going to make sure Sophie's sick. That is what I think happened because I have been feeling so good. I usually, if you guys don't know, I used to fall sick a lot. Maybe two years ago, like when I was in the nice living DC, I would fall sick like every month. Either I have a sinus infection, I'd have a fever, I'll have freaking appendicitis, I used to have ulcers. I was oftentimes in an urgent care or in a freaking hospital bed for something. I used to fall sick almost all the time. It didn't help that I used to smoke a lot. So I feel like that was what happened. So he said that, and I shit you not. Since he said that, I have been sick maybe every three days. And this latest blowered sickness is the freaking strep throat. Now, I have not been sucking dick. I have not been sucking dick. I have not been eating koochi. I have not been using my throat for anything other than just drinking water and maybe drinking some red bull or some blue energy. I pinky promise. I'm not even taking edibles anymore, guys. I'm not doing none of that stuff. All I have been doing is drinking water, drinking tea, maybe drinking my Aegee one, not maybe I drink it all day. Drinking my red bull, I've been doing all these things. And for the life of me, I can't imagine that now your girl is sick again. And this time around, I'm traveling to Canada and I can't be sick. I refuse to be sick. I was doing so well with my workouts. I've been working out regularly. My thighs are coming in. My body's been glowing. I've been very active in social media. And then I fall flipping sick and I am so annoyed. Like this episode, I was fighting my body to record it because I needed to get this out for the brand. And I'm telling you that I'm not sure they're going to like it because do you see how sick I look? I had to have shades on, guys, if you're watching this on YouTube or Spotify. I think Apple Podcast also has video now. If you've seen it on video, this is how we're yapping today because I couldn't do it. I couldn't do it. It's too much. But yeah, guys, honestly, like, you'll spend a struggle. So your girl's sick. That's why I probably sound like this. But at the same time, do you guys think my recipe voice is sexy? Tell me. Do you think it is? Do you think it is? I'm just joking. But anyways, yeah, so I feel a bit sick. So I apologize if my voice is an up to par. But we are going to be getting into this episode because your girl is still excited to yap with you guys. Some feedback I got from the last episode. It was something that made me really, really happy was I think I mentioned a little bit about how I was feeling. You know, some type of way about having a really overly produced episode and getting guests on and making everything look so produced. And a lot of you are just like, Sophie, we don't care. We just want you to be you. And the most Sophie thing, the most Am I too loud thing, is just yapping with you guys. The whole point of this podcast was, let me sit down and talk to you guys. Let me practice how to yap and yap on any topic whenever I want, whenever I want. And I've been loving just doing this. It's been two episodes. So maybe we'll see how this lasts. And I also realized that maybe we can start doing, you know, interviews with people. If I'm not going to be able to do it in person, maybe doing it over Zoom and seeing if I would do one episode if you guys like it, we might continue doing those. But we'll see. And we're like excited to like practice and see where the podcast goes. It's been doing so well. I'm just so happy. I love you guys so, so, so, so much. And I also want to prove to myself that I can do this fucking thing myself. Because let me tell you, people are going to take your ideas. They're going to use you as a blueprint to jump off for their own shit. But you're always going to believe the blueprint, baby. I did not say that right. I thought that was going to be more than I thought. You're going to be the blueprint, baby. If you know, you know. That's me through a shade. When I'm sitting on a couch cross-legged, my mind, I can say it, whatever I want. Okay, all right. Let's get into today's episode, guys, because I've been thinking a lot about financial responsibility, especially since a few reasons. One of them is, one of my baby sisters is graduating. She's graduating from college. And while graduating from college, I feel like she's literally going through the same thing I went through when I was in college. We both have pretty similar backgrounds. And she's someone who didn't come from an affluent background is in an Ivy League school. I didn't go to an Ivy League school. So she beat me out on that. I'm so proud of her. But she's a content creator, she's a content creator as well. And we've been having kind of a few conversations about money, about financial responsibility. So I thought it would be nice to have a podcast episode where I talked about money. And a second reason is James Charles just got dragged by his flipping head because he also was making a comment about how influencers don't get responsibility to give money to their fans. And I made a comment about that in the last episode. And I got a few DMs about it where people were like, you know, I've always DM and you ask me for money. Can't you give me money since you don't support James Charles. It's not me. You're going to send me money. This money thing, let's talk about it. Another thing I want to talk about is me and my growing business. So as someone who is in the creator industry or as an entrepreneur, what money looks like for me, what it looks like for me in this economy as well. And for, I've also just been thinking about getting a house this year or like getting a condo essentially. And for me to do that, I've been having to put my financial resources in order. And as someone who is an immigrant, first generation immigrant, meaning I am the first immigrant. If I do have kids in America, I will be the parent who is the child, their child will be their first generation immigrant. Does that make sense? Like my child would be first of her kind to be growing in this country. So I'm also learning a lot about what that looks like. I don't have any family in America that's going to be able to give me generational wealth or connect me to people with generous. Like I don't have none of that. I am building this from scratch. My mom is not here. My brother isn't here. I have no family here except for my uncle who we're estranged. So I think it's pretty interesting money and what money has been like for me. So let's talk about money. Because I also think it's a conversation that makes people pretty uncomfortable. And for different reasons, I think I know I grew up in a household where money wasn't talked about a lot. And I would also also say that I grew up in a rich household for context. I grew up in Lagos, Nigeria. And in Nigeria growing up, my grandfather was pretty rich. But I also grew up in a polyamorous family, meaning my grandfather at about six wise, I think four, but two of them left the house. I know it was six or four or six. But he was pretty affluent. He was a ballet, so like a chief of this area. He had his own bakery. Like he was pretty well to do. And we did grow up pretty affluent affluent. I will also say that my mom at some point also had money. Now I wouldn't say we were upper class. I would also say we were probably middle class at some point. So I remember my mom was a marketing exec between my ages of like maybe two to 10 ish 11 because I went to a really nice primary school, which was like elementary school here, I guess. I went to a really good school. We never wanted for anything, but we were also not the family that we tended to buy a lot of things. And my mom didn't buy a lot of things for me. And we didn't have like a huge house. I know my mom lived in an apartment. He was just me and my brother. And my mom is the first of 24 kids. So I remember growing up that our money had to be spent amongst everybody. My mom was in charge of paying the tuition for my brother who was 10 years older than me. So he was in college by the time I was like, you know, in high school, all those things. So she was oftentimes a single mom getting by. Now I wouldn't say we were broke, but I wouldn't say we were rich. But I will say the extra money we oftentimes had, I wouldn't see it. Like I wouldn't say we were buying Barbies growing up. But we had like the fancy DS TV and DS TV is like cable in America. I think that's the closest way to explain it. So we were in a rich family, buying you my grandfather was rich. So we were close to affluence and we also lived around affluence so I did see a lot of rich kids. And so my concept of money was pretty interesting. My mom was also in politics at some point as well. So I don't want to get in trouble, but let me just say like we, I saw a lot of money, but it was never asked for the take in, if that makes sense. And I'm not saying this as a child who's like, oh, my mom didn't invest on money or whatever. It really wasn't ours. My mom is the kind of person who growing up she would oftentimes tell me, I think I've seen some podcasts before that. Money is given by God was my most philosophy and he would always replenish. So if you had money in your shoulders, you use the shoulder analogy. If you had money in your shoulder, the money would go to your elbow and then you give out from your palm. And something would always replenish those three points to where you always have money to give out. Now, as a kid growing up hearing that, it was pretty like cool. I loved how giving my mom was with money. I loved how not selfish she was, but I remember oftentimes thinking, sometimes if I wanted ice cream, we wouldn't be able to afford ice cream because you just gave the gate man's child, X, Y, and Z amount of money for him to further his studies. And this is me being a selfish little child. So I just knew that there were things she did with the extra money that maybe we could have enjoyed as she would give to other people because she wanted, I wouldn't say she wanted the blessings, but she just was a giver. My mom is such a giver. She would give, my mom would give the money off her back. My mom could have $10 and she would give out the entire $10 with the idea that because she gave out that $10, some way somehow that $10 will come back. That's how my mom was. And I really think that influenced the way I saw money moving forward throughout my entire life, even till today. And it's something I'm actively working against and I'll tell you guys why throughout this episode. And so because of that, money wasn't necessarily talked about openly in our house. If I wanted something, I could ask for it, but if not, like it was oftentimes like, oh, we didn't have it. Or don't worry, like God will bless you with it. It felt more of like a money was a blessing from God. And it wasn't how hard you worked. It wasn't my mom didn't inspire for me to be rich. Like we didn't get the economic empowerment conversation. You know, there are certain families that would have the, you know, you can't, you have to be successful in life. You have to have money to survive. You know how they would have those conversations. Maybe I'm not sure if this is a thing. But our family didn't have that. I think my mom's philosophy around money was always, it was a blessing. And so because of that, you just needed to give to receive. You need to be selfless to receive. So money became less of a thing that you worked hard for and more of a thing that happened to you. And this is important for me because when you have that kind of perspective on money, it really shapes how you interact with money. Because then it's less about chasing money. It's more about attracting it and putting yourself in a position where you're praying for it and you're blessed with it. And that I think said a lot to me. So I saw money more as like power and blessing and less about like financial freedom, financial security. I knew nothing about investments and savings and checking accounts and the X Y and Z. I knew I'm telling you guys, I grew up knowing nothing. Now maybe my brother did and maybe they had those conversations. But I really don't even think so. We just didn't grow up talking about it. I know maybe my mom and at some point as I continued growing up, money became tighter in my family. I think the 2008 ban crisis and the world wins the crisis around money. So things started shifting then. I remember when I was in high school in Nigeria. I started realizing that oh, my mom lost her job with the pharmaceutical company and she became a politician. But politicians don't really have a lot of money unless you're embezzling money in Nigeria and she refused to embezzle money which just pissed me off. I'll never forget, I'm telling you guys this is a true story. I swear to you, it's a true story. We were in this house with this affluent family where my mom was working for. And I remember they had maybe about 10 million Nira sitting in bags that were supposed to be given to the community. And the people who were at the politicians in the room were all sharing that money and I swear, you might probably think this is like maybe like telling a fake story. I swear, I swear, oh my late father, it's not. And these people are sharing all this money. And my mom is just like sitting in the corner and you can tell she's so disgusted by it. And I was there with her because I think I was on break in school or something. And I was like, okay, maybe like, oh thank god, like on my head I'm like, okay, I want this shoe. She's gonna buy me this shoe finally because look at all this money. They're sharing, blah blah blah. And we leave and my mom leaves her in nothing. She doesn't leave her in the envelope. She doesn't leave her in the bag. And I see people coming in and out of the house with bags of money. Like they're taking out money and I'm looking at her like, girl, what's yours? So we're heading home. And I remember asking her like, oh, mommy, what money were they sharing? What's happening? I asked the money that the federal government sent to the government. And you know, they were sharing it. Which is unfortunate. We're just talking about how she tries to fight it. But there's nothing she can do that is so sad. They're not going to help me and cheer, blah blah blah. I'm looking at her like, so where's our own? All this noise you're talking about. Okay, fine, where's our own? At least they're already sharing the money. This is me as a child. I wouldn't be, I wouldn't feel the same way now. Of course, I mean, it's a person, wink, wink. But, where's our own? If they're sharing all this money, we might as well get some like, let's share the national pie if we're all sharing it. Because if you don't share the pie, the pie is still being shared. Anyways, you might as well get your own bite. But she's like, no, God would bless me with my own, our work hard. Our advance is for the people. I can't take it from the people because all the curses of the people who come to me and then I'll be suffering. It's blood money. It's wicked money. But, oh my god, look at her like, girl, this blood money would bust. You can be crying and blood I eat in a Ferrari. What are we saying here? What are we talking about? Take the money. Take the, oh, you're so upset. Oh my god, guys, I was so upset. But, it was valid. It was pretty valid. Because now when I think back at it, like that wasn't money that was meant to further the economy and help the community and people were being selfish. That money would have done better for the economy. But, instead, it was in selfish hands. And, you know, of course, that's not good. But, to me, that is to piss me the fudge off. But, so, at some point through politics, she started not making them as big of money as we used to be making. And, slowly, we just started, like, I think slowly, after that, things just started becoming a bit tight. And, again, my dad was never in the picture. She's a single mom. So, I didn't have the day, like, we didn't have any money. And, this was around the time when I ended up leaving Nigeria because I wanted to study abroad. This is a story I've told before. So, I'm not going to get into the degree. But, I did have been a scholarship from my high school in Nigeria that allowed me to apply for the SATs and the IELTS and fly to America. Now, at that point in 2014, we still had enough money at home to where, like, you know, we were good. But, even thinking about that now, I was applying to schools where I didn't have to pay a lot of tuition. I was thinking about financial aid, about scholarship, because my mom really was, like, I can't afford to pay your tuition. So, you're going to have to figure it out. You're going to, I think, for a lot of immigrant kids, we don't talk about this now, but the insane amount of pressure young immigrant kids, amount of pressure young immigrant kids face is something that maybe we oftentimes don't talk about. This idea that a young child who is 16, 17, 18 leaves their birth country by themselves sometimes comes to a new country and they have to fend for themselves. Because, I think a lot of people on the continent think that the moment you come to America, your life automatically changes because, while you're earning a dollar, so you're going to be the richest person on Earth, that was terrifying. And, that is something that I can't fully comprehend still. Because, I was 16, 17 coming into this country and my mom was just, like, the entire family was looking at me, like, once you get there, like, you got to figure yourself out, you got to find your way, you got to make sure, like, you really want this. So, this is all I can give you a little pushing, you got to figure out yourself. And so, I think I did. I think the first time I came here, I got the scholarship, I applied for school, and I was able to pay my first year's tuition at a university in West Virginia in America. And that's how I got to America. And, through that, I realized, as an international student, that there are different levels to being an international student. There are international students from countries like mine, Nigeria, where, even within my country, their students whose parents are, like, super duper rich. And you can see that in their clothes, in the kind of cars they drove, in the kind of places they went in school, the kind of places they lived, the kind of dorms they stayed at, the kind of apartments they had, your students from Saudi Arabia, China, Girl, Dubai. Ooh, when I tell you, and my college was a tiny college in Bumpfuck West, Virginia. I can't imagine if I'd gone to an Ivy League school, or if I'd gone to, you know, a bigger school where, like, I had to actually see how stark of a difference money, like, creates within people, because that would have been a pretty jarring experience for me, anyways. But I still was kind of jarring, because I didn't realize, I wouldn't say I was broke. I might not think, we don't think I was rich. I don't think I was rich. And I remember that, going to McDonald's to buy some food then was considered super expensive for me. $150 was what I was using to keep up with, just myself, essentially. And college was very interesting, and I transferred from West Virginia through freshman year, and in my college, there were students who had Ferraris for cars, and I didn't know how to car. And I think I've shared the story of my vlog channel a few times, where I spoke about getting bullied by students, and it was because I really didn't have any money. And even when I transferred schools to Louisiana, which is another state in America, I was even bullied there, double. I remember there was one person who was considered the richer student in school, and she would, you know, want to, let me tell you what would happen. So, the girls would want to go to like the mall, and we had this mall in Lafayette, Louisiana. And on the way to the mall, I think I said the story before. On the way to the mall, there was a Play-Dohs closet, and if you don't know what Play-Dohs closet is, it's like a second-hand store, where people would bring in their clothes, and they would buy off, like second-hand stuff, and then you could go and buy off those second-hand stuff, and you would pass the Play-Dohs closet to go into the mall, where there was a Forever 21, a Charlotte Rooz, which for me was considered money, like Macy's, Delar, it's all of it. So, my friends would be going to the mall, and I'll just say, hey, can you drop the effort Play-Dohs closet? Or I'll just walk the Play-Dohs closet and go shopping there, because that's all I can afford. Give me those $2 tops, $1 tops, I'm ready to go. Sometimes I would wear an outfit, but I think I had an outfit that I've worn for like three years, four years, and my clothes, I never used to shop. And again, I told you guys that for me, money was a blessing, right? I never thought of it as something that you worked hard to get. Again, my philosophy around money was, as if I do good, money would come in some way, it kind of just always happened that way too. Like, there was a certain point during my sophomore year, going into my junior year, my mom really was like, hey, I can't afford a peer tuition anymore. We need to figure something out, all you're going to have to be deported and go back to Nigeria. And I remember thinking to myself, what can I do to make sure this doesn't happen? And thankfully, I'd been working so hard in my college that I went to my financial advisor, and my college ended up giving me a scholarship that covered my entire tuition at my university. I became a resident director of resident assistant as well. I became a resident assistant as well, and that was the only way I was able to finish college in America. Now, to me, 18, 19, 20 year old Sophie, I'm seeing that as because I worked hard, I was blessed with that opportunity. I never thought of it as I was working towards that goal, and I never saw money as something that was a lot, because even the career was going to go, and I wasn't going to be some hot shot lawyer making thousands of dollars. I wanted to work for the UN to foster gender equality and women's equality around the world. So I never fully thought of money as something to aspire to get. I just thought it was a blessing that if I worked really hard for, I would be blessed by. And so college was very interesting. I remember the friends I was telling you about would go buy the clothes, I would say I wouldn't go to play this closet, and they would laugh at me. And there was one friend who bought me a phone, and she'd seize the phone from me because she just didn't like how I was handling the phone. They would make me, I remember I felt, ugh guys, I just don't, I don't want to even get into it. Just knew I was bullied a lot as well in my college, and that was also one of the first times too. I clearly saw how bullies use their wealth for other students. And I never even thought of resenting my mom for not having money. I think it was something that I just knew that maybe money corrupted people. I always just saw money as this tool that if people weren't blessed by it and they worked for it, it corrupted them. And it's so crazy that I used to think that way because for me, the people who were the meanest to me were the rich kids, were the rich girls, were the rich guys. They were the ones who would use their money to make me feel less than when I knew my mom who even didn't have a lot of times to use her money to make people, you know, be good. There are people who were just very mean with their money. And so for me, I started equating people who had money to be mean, people who chased money to be evil, and people who just let money come to them because they were blessed to be good. And of course, it's the stupid way of thinking. And there's a very childish way I don't tell you why. But because of that, I never fully allowed myself and joy money in that way. And I think this was around the time when I started also posting content online because I needed an escape, right? And so even posting content online was never to make money. I genuinely never, till this day, thought to myself, I could make a career off of this thing I'm doing and I could make money from it. Like I never, my first job out of college was at a nonprofit and I was getting paid $36,000 a year. And if you're there thinking, oh my God, that's really high. It's not. That is very, very low for a state like DC and I have someone with a master's degree. So I never aspired to be rich. I always just thought of money as, again, a blessing. And then I graduated from college, got into my master's program and I started doing content. And through those years, I got my first brand deal. And I'll never forget that I had just gone from being on a scholarship, living on campus, moving cities and still living on campus this summer and I was in DC. And I'm getting followers online, still not a money online, but I'm getting followers. I think I'm at like maybe 5,000 followers or something. Still not a lot of followers, mind you. Because I took me about maybe five years, three years to get to 10,000 followers. And I really remember this because you remember, you had to be at 10,000 followers to get the link sticker on your stories. So I was about almost like 3,500 to 5,000 followers. And I got my first brand deal. I remember first of all, it was Whole Foods. And this was about my senior year of college. It was a Valentine's Day shoot. And all I needed to do was go into Whole Foods. They gave me a credit card for $100 to buy some flowers and a drink and did a photo shoot with a friend to heat and charge me for it. And I was paid $150. And I remember thinking $150. That was what I could spend money on in the month. And at this time around, also, I was still doing hair to make money, to at least have clothes to wear. And I was so happy. And this was an undergrad. And then when I graduated, I was in a master's. I got another brand deal. And this time was my largest brand deal at the time. It was my home depot. And when I tell you, when that email came into my account, I would never, ever, ever, ever forget how I felt. I don't think I've ever cried the way I cried that day. I was offered $7,500 for an Instagram photo. Two Instagram photos, I remember, and some story post. And I was also given, I think, a $1,500 shopping spree for home depots to build my dream dorm. I was shocked. I was flabbergasted. I was astonished that me, who was using $150 a month to get by, was just getting paid $1,000 simply by being myself. And so now, this idea of a blessing even became more reinforced. Because the idea was, oh, this is all because of all the hard work I'm doing, which is also very valid. But I didn't equate in a numerical format, the idea that x, y, and z equals, x was y equals z. I didn't think about it like that. I didn't think about it like because you did x, y, and z things. This is why I'm making all this money now at the start. Oh, I should be grateful. I'm making all this money. And I'm getting blessed, which is far from the truth. I worked hard for that. It was a blessing as well. But I'm also working hard for it. And social media money just changed my brain. And I don't think enough creators talk about this enough. Because when you go from trying to survive and trying to make rent and trying to figuring it out, suddenly you get paid amounts of money that it felt fake. It does something to you. It changes your psyche. It changes who you are as a person. It makes you second guess so much, especially for someone like me, who never, ever wanted to chase after money or thought money was this thing that you had to make, which is something that changed where I was thinking. And it was something that I had to learn to adjust to. Because it quickly became my new normal. And because I wouldn't say I never understood the value of money, I would say because of how quickly I went from, I can't even say, because I think it's different when you see money as a blessing. Because I was always comfortable, right? I wouldn't say I was ever suffering. I think it's different from when you were like, some people would call it like being in the trenches. Because I wouldn't say I was ever in the trenches. Like, I'm so blessed. My family is so blessed, my mom is so blessed. So money always came, even if we didn't know where it came from. So if you are of the mindset that money would always come, even at zero, you still never felt like you were suffering. Does that make sense? So because of that, you also never felt like you had to do something to get something. Does that make sense to you guys? What I mean is I wouldn't say we were poor growing up, but I was poor, but I didn't have money. Like, there were times in college where I had minus, whatever amount of money in my bank account. But I wasn't like driven to make money. Because for me, that means I wasn't getting blessed enough to make the money. And it wasn't a religious thing. It wasn't a spiritual thing. I think it was just a life thing for me, right? Because I was something that religious then. It was just like, this is a life lesson. My mom had passed down to me. So if I had minus $150 in my account, because I had to make expenses, I had to eat. I didn't make enough hair this week. I didn't make enough this this week. That means I'm not getting blessed well this week. I need to work on it. And so I would try my hardest to work on it for the next week. And then maybe for some, it would always happen so strangely. So we're like, I might have minus 150. And then I might go to a seminar, and I might win a gift card of $200 randomly. So now I technically didn't work for it, but now I have $50 because my minus 150. So I'm blessed. That was kind of my understanding. So take that mindset and then bring that mindset into having a brand pay me $7,500 for being myself. It just changed me in a way that I don't think I was ready for. And I am so grateful and so blessed that that was just the beginning because between that payment till now, I have made so much money that I'm so grateful for and so blessed for. And I also want to say that it also has helped me with my relationship with money. And this is why this episode is essentially because I had to quickly learn about money, the psychology of money. I had to quickly learn about financial responsibility. I had to quickly learn what it meant to earn money, how important it was to earn money, how people looked at women who earn money, what my peers were spending their money on, if that was what I wanted to spend my money on, the importance of financial responsibility, about savings accounts, about taxes, about investments. I had to learn that pretty quickly because of how fast and how hard I was working and how much money I was making. Because sometimes what we don't realize is when you go from struggle to stability, no one teaches you how to become financially responsible. I just went from trying to make sure I had a hundred dollars in my bank account to having $10,000 in my bank account. What do I do with all that money? Where do I start from? And these are all great problems to have, but what I read in psychology of money, which I read because someone told me to read that book. I love that book so much. If you're ever someone who's interested in money conversations or just understanding money, that's one of the easiest books to read about money. When you go from $10 to $10,000, you are still the same person, and your relationship with money is still the same. And that was what the psychology of money sort of taught me. Like your lived experiences are still the same, even with the change in the bank account. So if you're somebody who had $10, and you never used to save your $10, if you have $10,000, you're not going to automatically save $10,000 to. If you're somebody who has $100,000 and who's always saved $100,000, when you have $1,000,000, you're still going to save it. Your shared experiences, your life lessons, your goals are what shaped your relationship with money. You don't automatically learn financial responsibility. No one knows how to keep money. Situations have to happen for you to understand how your relationship with money evolves around time you have to be very intentional to about your relationship with money. And because I started getting financially wealthy, it didn't automatically mean that I also became financially wise. So for me, I'm learning and I'm still learning how important it is to have systems in place to understand that. One of the first things that I had to do was break down my relationship with money. And I told you guys from the beginning of this episode that I always thought of money as a blessing. So because I thought money was a blessing, I never fully thought of money as a savings and an investment and longevity. And because I thought money as a blessing, I was always oftentimes blessing others too. Oh, yo, let me tell you guys a story and you tell me if I was right or wrong. This is going to segue into something I used to be told a lot of. So I once had a friend who I had a panic surgery. And once I had a panic surgery, this friend was taking care of me at the time. And I remember once they were done taking care of me, we just happened to conversation casually. It just nothing happened. And I was just like, oh my god, thank you so much for taking care of me. I appreciate you so much. And basically we just like, oh yeah, like of course, you're welcome. You know, you don't have to thank me. You could just send me $10,000 for my dad's funeral. And I was like, huh? And I was like, yeah, no, you can afford it. And when I tell you, I would have sent that money. I think the only reason I did not send that money at that time was because my best friend told me, you absolutely must not send that. That is the kind of person I was because of my idea of what money was a blessing. I had friends that family members, aunties, uncles, cousins, siblings that if I got paid $20,000, I would send $20,000 to them because for me was a blessing. If I send $20,000, it would come back to me. I never truly thought of money as anything because of how easy, because of influencer money, how easy that money came to me too. And that's what it felt like anyways. I don't think you guys understand this idea that I sit down with my camera, put my phone up, or put my camera up. And I record for you guys. And because of this recording, I get paid $10,000. I have a sponsor on this episode that paid me a crazy amount of money to be a part of this episode. And yes, of course I am working. I am the producer, I am the editor, I am the director, I am the script writer, I am everything. So I am such a hard worker. But it took me so long to understand how hard I worked for the money I was getting. Before that, I just always thought, again, money was a blessing. And so I would oftentimes have a strange way of giving my money out. So it was not the healthiest relationship. This idea that money was a blessing was not a healthy relationship. And especially as someone who was an immigrant child, it was not a healthy relationship. I remember I was in Magimbo, God dragged a few months or years back when she talked about how sending money to your family was a no-go. Like sending money to those uncles and aunties was something that immigrant kids don't need to be doing. Because there's some guilt that we feel. I know this episode, I'm talking about how you send away if you can send money home to family. And that wants anyone to need to my mom is something that I would never complain about. I love that woman down to deserves. Everything I earn, I must give to her. However, however, however, at its own bound, it has its own boundaries. And it took me, maybe two years ago, three years, when I first moved to New York to understand those boundaries. I used to feel the need to pay for the life of everyone else who helped me get to where I was essentially. I used to feel guilt as an immigrant child or daughter. I used to feel guilt about my cousins that I left behind. I used to feel guilt because I was living in America, and they were not here. And I oftentimes felt like because of that, I needed to pay it forward. And so sometimes at my own risk, I would send money that I didn't have sometimes, and I would never think of saving. I never used to save. It just was something that didn't even cross my mind. My mom never used to save. I didn't even think she had a savings account. We were retirement account, we were investment account. I didn't think she had any of that. We never talked about it. I didn't have anyone to talk to about that. So we never had that in our family, it just wasn't a thing. And for me, that was normal. And at some point, you learn boundaries. And this always comes back to self-love and selfishness, because I think two years ago, I'd made my word for the year selfish. And I think I was telling a friend that they were still taking it back like, why would you use that word? And I really said, you have to remember that. You can't pour for an empty cup. And this is something that my mom, I think I shared with her too recently. I said, you really can't pour for an empty cup. Because if you're someone who, again, would always say, money will always come. If that pouches empty, you can't give. So why not always make sure you have savings? Why not always make sure you have investments? Why not always make sure you're content and you're ready and you're willing and able to give every single moment by making sure you set boundaries, by making sure you are intentional about how you spend money, by making sure you're very intentional about you take care of yourself. It's something that I had to personally learn from myself. But the moment I learned that, it changed my relationship with money so much that it just shifted. And I think with social media as well, it gets pretty hard to be financially responsible. This is what I also want to bring up because you're surrounded oftentimes by people who are like posting their wins, their new house, their new card, their new brand trip, new brand deal, new bag, everything. And it makes you feel like you're not doing enough. And I remember, this was around 2020, 2021. I was at a friend group. And in that friend group, there's certain things that I would always spend money on. There's certain things that I love. Like I love a good couch. Like I could spend tens of thousand dollars on home furniture. I could spend money on maybe camera equipment. I could spend money on... Yeah, I know what the kind is. I don't really spend money. I don't spend money guys. I don't spend money. I love a good flight. I love a first class flight. I love comfort. I love comfort. There it is. I spend money on comfort. I am huge about that. I would always make sure at every step of the way I am absolutely comfortable. That's how I spend my money. And so I was with friend group. And I remember growing, not growing up. I remember being around these people and their priorities. And this is not a knock to anyone. But I think with social media sometimes, especially influencers that I follow, a lot of them also spend money on designer stuff. We've seen this. Black girl luxury, luxury halls, all of those things. That's not my thing. I just, and I used to, I remember feeling poor, even though I wasn't, because I wasn't indulging in those things. I am not the kind of person who would ever choose to go into a Louis Vuitton and spend $20,000 in bags and shoes and everything like that. Now, maybe if I have like quadruple billions of dollars that I might start shopping in those places, maybe. I don't, I really don't think so. At least for every day. Like maybe for like big occasions, I would think about doing that. But that's just not who I am. I feel like you guys can tell. Like I'm always comfortable with sweats. Like the most you would, I remember those at times. This is so random. Those are times that I was carrying my wallet or something and I went out to pay and I paid with my amics. And someone beside me, who's a creator, actually was just like, oh my god, you have an amics flat? And I'm like, oh yeah. And they were like, oh girl, I could have never been, I've been able to tell you make that much money. And in my mind, I was like, yeah, my amics has no spending limit. Like it's kind of a flex, yeah. Like I have an amics that has no spend limit. Like your girl, your girl takes care of her credit score. Like I have an 800 credit score. My amics has no spend limit. Flydell took one if I need to. I live in a fancy apartment. Like I can do all these things like I'm set. But you could never, you would never catch me looking like that because that's no snow who I am. And but it took a lot of self love and intentionality on my part to know that that was know how I wanted to show off my wealth, right? Or show off how much money I was making because it just didn't seem like who I was. But social media makes you feel like you have to. Like you see people celebrating their wins, new cars, new homes, new apartments, new this, new that. And it gets you to a point where you feel like you have to be chasing that too. And you really don't. Like you really don't. You really, I'm telling you this, you really don't. So at the end of the day, I just had to realize that everyone is also playing a different money. I just had to realize that everyone is playing a different money game. So you can't chase after what someone else is doing. You can't look at other people and see what they're doing with their money. That's what I should be doing with their money because you know what their circumstances. You don't know what family they have or where they're coming from. You just never know. So people are saving just to breathe. Some people are saving for vacation. Some people are saving to invest. Some people are saving because their parents invested. People are just doing different things with their money. And once I switched my mindset away from money being a blessing and instead money just being a tool, a tool that honestly guarantees freedom. Everything changed for me. And one of the biggest things I also learned to stop doing was comparing myself and my income or my wealth to anybody else but me. And it takes a certain level of understanding and clarity to get to that point because I always tell people to a lot of people have financial insecurity and that affects their mental health. Money doesn't buy happiness but is sure sometimes gives you the comfort to cry. Because I shit you not, it pays to cry. And you know, you hear that it pays to cry in a Ferrari versus a Toyota telling you that works. I was also quick to learn that money is about behavior and not intelligence. And once you learn that money is about behavior and not intelligence, it helps you switch your mentality around money to understand it better. If you're someone with a pattern of spending easy, you might be the smartest person in the room but if you just don't have a good habit of spending, we're never gonna save correctly. If it's somebody who is very frugal, even though you know you can do X, Y and Z, you're going to maintain your fragality because that's your behavior. Once you understand your behavioral patterns with money, you can fix that behavior to make yourself a lot more successful. For me, for example, I realized I love to give. And I swear I'm just saying this with the podcast. That's just who I am. Because I know I love to give, I literally separate money into a separate account. And that card is simply forgiving. I maybe call it my tithes. I don't go to church at the mosque but call it my tithe, but that's money that I know that. If anyone ever asked me if I had $100, $550, $5,000, $5,000, $6,000, if I could pay their tuition for them, that money was there for me to give. And I would never take from anywhere else because if that money was empty, that part was empty, that means I didn't have enough to give it all. And I could always be sure in myself that I tried to make sure that part was full. Also, Morgan Houseell oftentimes said that money's real value is control over your time. And that's showing people how much money you have is often the fastest way to have less of it. And that's really true because I learned also that rich is being visible and wealth is quiet. wealth is the option for you to say no and rich is the trip that you are always going to go on. wealth is not panicking when that brand has been paid. And I think one thing for me that I'm also learning quickly is that financial freedom is really the softest life. Again, I love that my mom showed me the example of sometimes honestly not what to do about money. And she really taught me how she sort of was shackled to money every time. Let me explain what I mean by that. Because she thought of money as a blessing, she was constantly crippled when there wasn't any at all. She was still hopeful that money would come, but she was never truly free. And so as I started earning my own money and as I started earning and learning well business, I quickly learned that financial freedom was the most important tool. To getting yourself out of any situation, to being better for yourself, to be able to make choices in the world, to be able to decide, to get up one day and go to a different country, move to a different country. It truly was a soft life that we hear a lot about. There's so much ease that comes with being financially free and understanding your behavior around money is how you get to that point. And I don't think this is a podcast. I'm going to tell you like, do you use your money in this way? Use your money in that way. I think I wanted to just share my opinions about money. So you guys were like, had an idea of how I thought about money. And I'm also going to answer some questions that you guys asked because I asked you guys to send me some questions. So we're going to answer a few. So as a young adult, how do you go from being broke to making money? I think that's a really broad question, especially because now I think you can really make money in any way you want to. There, this first of all being a creator. Now, I will say that being a creator now is the long game. I don't think you can, because as a creator, you need to build an audience before you can start making money. And that's something that takes a while. But there's so many online things that you can do right now to make money. Selling stuff on Amazon, doing a trade, so getting, doing hair, doing nails, learning a trade, or doing, learning a tool. I'm selling books, selling journals. I feel like there's so much you can do online to make money. I always say starting a business has always been my route to making money is a longer route, especially if you don't have that investment at the beginning, but that's something that's worked for a lot of people. If not that, then like, I know folks make money on TikTok live, TikTok shop. There's just so many ways to make money nowadays that I think there's always an opportunity to make money selling stuff online, baking cakes, baking goods, doing this so much. Also researching, like going online and Google it, Google it, Google it. Google it to make money, and do the things that make sense, please, and are safe. I was so, my mom, I'm like, I'm so grateful that I wasn't a crazy kid because I swear to God, y'all, I would have been an only fans model because if not for morals, oh, yo, I swear to God. So I'm not saying any of that, but there is so many ways to make money online. I think you just need to find what works for you. For me right now, like Instagram, Facebook, TikTok, Snapchat social media has always been the tool to make money. You can always create your own product. I think that's the biggest way. I think if you're interested in entrepreneurship route, if not getting a job and slowly building up some investments or savings somewhere before you can then build that product if you're really interested in that. So that's my advice for that. Once a monthly habit that quietly keeps people broke, honestly, a habit that I think quietly keeps people broke is no having the savings account. No matter what it is, I feel like if you earn as little as $150 a month, if you keep $50 on the side, you're going to have $50 extra the next month. That's the best way to explain this to people. I think folks who don't save are making a grave mistake because savings is so important in longevity and in wealth building and in just building some savings cushing for you. So when things get hard, you should have a savings account. Ideally, a savings account you can't touch because no of those kind of accounts that you know you can just transfer money back to your checkers and you can spend it. If you've seen that Kevin Hart joke, you know, my checkers are kind of going to transfer my savings. Like yay, none of that. Like we need four to five business days before you can send transfer from your savings to your checkings account, okay? So I think that is one habit that I think people need to start having because if you have no cash somewhere saved then you don't have any money. What's ideal percentage one should save from your paycheck? I honestly do the $50, $30, $20 rule. I don't know if that's our cake or not, but I do 50 needs, 30 wants in 20 taxes, savings, whatever. Sometimes that 50 is less, sometimes it's more and that 50 income passes like rent and everything and then the 30s oftentimes the one that I take out of because I really have wounds every month and then 20% goes for taxes, goes for investments, all that stuff. I sometimes would choose and just say 50 needs always has to say the same because 50% of my income should be what my monthly expenses half of it should be going to if that makes sense and then the rest of the 50 I can divvy up as needed per month. I think when I had an apartment, my apartment was usually the biggest of my income that I used to spend on stuff and otherwise it was just like business expenses, production costs and so on and so forth and I never really bought anything. I was not a fan of buying new things, I really didn't spend money on anything else. I make more money than my family now and I feel guilty enjoying it. How do I stop feeling bad for doing well? Ooh, I think this is a good question. One, they're not working. They will get working. They're not working for you. They're not working for anybody else for yourself. I think as an immigrant, we sometimes feel guilty about earning more money and that's understandable because we do get told a lot that other people's sacrifices are the reasons where we are where we are, which is also a very valid statement. Sometimes it's not a fair statement. You didn't ask for sacrifices if you sacrifice of someone. If you sacrifice of someone, you sacrifice for them. They didn't ask you to sacrifice. Nobody ever asked for a sacrifice. You know what, you sacrifice because you sacrifice. I haven't done it, I say sacrifice. I don't think it's a fair thing to say. However, as an immigrant child, I have learned to respect this idea that I'm supposed to be giving back to my family in some capacity but not at my cost. So essentially what I'm trying to say is have boundaries. If you can't give, if you can't, you can't. It's okay to say no, no is a full sentence. It's honestly okay if they come back at you and they tell you oh you're so terrible, oh I sacrificed so much, that's understandable. They might be hurt but you can't kill yourself. You cannot come and kill yourself. And if the money isn't there anymore, they're still going to continue to survive. In fact, they'll go to somebody else to ask for another set of money. They'll ask somebody else for money. So it really isn't you. I think that's why it brings up the James Charles situation because my thing is, why did he comment? If the woman sends you a go for me, you probably some other people go for me. Look at the message and move on. Why are you commenting? Why are you doing a whole flip and hoopla about it? But yeah, I think that's gonna be my advice. Just make sure like you don't feel guilty. There is no guilt. You've worked hard for your money. Again, money's about behavior. You've worked hard for it. Enjoy it, save it, you deserve it. Someone says, how do I send money home without feeling like I'm sacrificing my entire future? By making sure you're not sacrificing your entire future, you can only send money home if you have the extra money to send home. I think the continent has this misguided idea of notion. I don't think the folks in diaspora help that because you're earning in dollars, you're making more money. Which I think if we actually wanna break it down, I oftentimes say that I'm not sure, okay. Yeah, if we're thinking about it, folks here do make a lot of money. But America earns or moves in credit. Like America is built in credit and folks in the continent are built with liquid cash. Meaning most people spend in cash back home versus here where most of our expenses are in credit. So for me, when I see someone back home say like, oh boy, you just bought a new house. You had this new phone. You have all these things that you're saying you don't have money. In my head, I'm like, yeah, the house is, I pay mortgage on this house. I pay monthly for this iPhone. I pay monthly for my Uber Eats subscription. I pay monthly for everything. So you're never fully putting the money down for this things versus when you're at home and you have to pay your rent for bulk for a year. Well, you're buying your phone out right so you have to save up the money for it. So I sometimes think it's, you know, conversations lost in translation because once people understand that, America has oftentimes in credit folks at home might understand sometimes they don't and that's okay. Essentially just don't sacrifice your future. Don't sacrifice your future for people who are not living or walking in your shoes, be intentional. If you want to send money back home, do it. Just be careful. Set boundaries when you need to and just be careful. I'm the first person in my family with a good job. Why does financial stability feel so lonely? Ooh, it's lonely at the top. Lonely, lonely, lonely. Na na na na na na, it's a tsunami. I never know the flipping lyrics bro. What is wrong with me? Don't care what they're yawning about me. In particular, call me, call me, call me. It sounds so stupid to come to y'all and say it's lonely at the top. When I heard that song, the way I related, so, so bad. I remember my friends used to laugh at me when I had my New York apartment and be like, oh, she's in her mansion in the sky. It is so sometimes isolating and oh my God. Look at me talking about how isolating is to have a good job and to have money, especially in this economy. How do I respond to this? I was the first person in my family to have a good job and I would always, and sometimes even in my friend group, I was the first and it was a very lonely road. And I even think something that affected me was not being surrounding by people who were also earning in the same bracket that I was earning because I think it would have helped me more with money and earning even more and understanding boundaries because, because I was the one earning more, I also felt indebted to the people around me to make sure I was bringing them up with me or I was making sure they didn't feel any type of way which oftentimes affected my relationship with money and my relationship with them. So it's hard. It's hard to be the one who is bearing the financial responsibility for the people around you, but it is not your job. It is not your job. So cater to people is not your job to help people is not your job. If you want to, you can, but it's not your job too. I had to quickly learn boundaries again, which is something I've been talking about this entire episode. I had to learn boundaries. I had to learn to prioritize myself. I had to learn that because I was earning this and mean that I had to give it all the way. And I also had to learn that saving was important and this job I had was because I worked hard for it. And it wasn't just because it was this like outlier or something that would never happen to me. And I had to also start moving with like-minded people to also understand where I was and what position I was in. So when I just ability oftentimes feels lonely because you're also not surrounded by the right people and your behavior and attitude towards money also influences that idea of financial loneliness. Because again, for me, since I saw money as a blessing, I never fully went out of my way to seek knowledge around money until recently. I just, maybe like two years ago or a year ago, when I started actually actively seeking some more understanding of how to make money, how to make money smarter, how to be more intentional about money, was the sky-cology around money. Because as a woman too, and we've never been touched about this in this episode at all, maybe in another episode, maybe bringing on a guest might be cool. I think I'll talk about gender and how it impacts money and ambition. I'm agreed comes into that conversation but that would be another episode, guys. Oh, I was just talking about this and just so this question, should women in relationships keep separate money, joint money or both? I've always been someone who in a relationship would have separate money. So we have separate accounts and then we have a joint account. I feel like that's often times been the best way and know how it's worked for people, but honestly, whatever works for families. Some folks are a stay at a home mom so they don't have their own account. And I always say, if you're a stay at a home mom, you should still be getting paid because you are still working. How do I stop comparing my financial journey to women online who seem rich at 25? Oh, this is a good question. First things, first things, first I'm a released. Okay, how do I stop comparing my financial journey to women online who seem rich at 25? You don't. Comparison is the thief of joy. Comparison is the comparison is the thief of intention. Comparison is the thief of wealth. Comparison is the thief of everything. When you compare yourself, you are struggling to achieve your own goals because you're stuck in a cycle that is going to continue to be perpetuated no matter what. In my understanding, you are a perfect example. One of my favorite creators of all time is Marvela. I love that girl down. She's, she just turned 23. She's turning 23 and she's a business owner. She's a successful influencer. I think Gloria as well as 23, 24. These are young creators who are coming up. Social media has made it to where we have 16, 17, 20 year olds or CEOs who are business owners who have, who have lived several lives in two, three years because they're making insane amounts of money. You are neither early nor are you late because they're also people who are making millions of millions of dollars at 60, at 70, at 50. Age is but a number. Your dreams are still valid no matter what. You're not running late by being 25 and not having your life together. You're not running late by being 60. You might be 65 and hit your starring role in a TV show and that's how you make money. You might be 75 and get this patented idea that gives you a billion dollars through Amazon. You just don't know. You can't give up because you're stuck comparing yourself. The moment you give up is when you failed entirely. And I think that's what has helped me stop comparing myself to everybody else around me because your goals and your dreams are so directly tied towards you and nothing else to change that. Okay, and one financial lesson did you have to learn the hard way? I think my biggest financial lesson that I had to learn was honestly, I'm very proactive. I'm a very proactive person. When this one is coming in, I made sure I saved. I made sure I was intentional. I don't think I've ever had a hard financial lesson. If anything, probably just taxes in America are just crazy. And maybe credit, like getting a credit card early on was something I didn't do until later. But once I got a credit card, I understood credit and credit scores. And so I started understanding the impact of credit and using that to my advantage in the American society. But besides that, nothing really. Maybe the biggest lesson also would be like, and it's not necessarily the hard way, but my biggest lesson is also that money is not the dream but financial freedom is. And like being, I think what I've taken away from what my mom taught me about money and what I've learned so far as a creator about money is money gives me the ability to have the choice to live the life that I want to live. If I had $10,000 right now, I want to comfortably say that I can go to Alaska if I wanted to. If I had a million dollars, I want to say I want to go to Bora Bora if I wanted to. If I had a hundred million dollars, I want to say I can build three charities in different places in the world if I wanted to. I think the choice to do the things that I want to do is why I chase money. Oftentimes this is not something frivolous, it just is what it is. So yeah, that's my two cents on that. Being able to say yes because I want to and saying no because I want to is the dream is the goal. And I think I'm now in this space where money, chasing after money isn't seen as yucky, isn't seen as tacky isn't seen as whatever. First of all, I live in a capitalist society. The way I'm able to make a choice is because I have money. I am able to sit on this couch because I'm making enough money to be able to choose to do that. And I want to gain to this whole tangent about women and money and our feelings and behaviors. Maybe I'll do a part two somewhere down the line about it, but yeah guys, I think that will be the end of today's episode. I hope you enjoyed it. I feel like it was just really fun episode about yapping about money and my history with money. And even better is the fact that we had our first sponsor and it was related to money which is iconic too. Like who the fudge do I think I am. Anyways, I love you guys so much. Thank you so much for watching my video and I'll see you guys in the next podcast episode. And don't forget to like, comment, subscribe, give us a rating, whatever you're listening to your podcasts. Share you listening to the podcast and I'm gonna repost and they're my two love part page and Instagram and I'll see you guys in my next video. Bye guys.