Gringo's Guide To: Growing Your Wealth & Decolonizing Your Mindset w/ Luzy King

Dramos shares a recent live podcast he did with Luzy King of Say Hola To Wealth where they talk about ridding yourself of limiting beliefs in regards to success and money, decolonizing your mind, the basics of investing and more!

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Episode Transcript

Speaker 1 (00:06):
Let me talk about talk.

Speaker 2 (00:08):
There we go.

Speaker 3 (00:11):
He said he lived life as a ringo, where you
questioned where you fit in every time you mingle, they
say you do this would not that my rappings really
mad this life? Yes, hello, and welcome to another episode
of Life as a Gringo.

Speaker 1 (00:25):
I am dramos, of course.

Speaker 3 (00:28):
And man I am first of all, I feel a
hell of a lot better than I did last week.
My voice has finally come back. I don't sound as Naisley,
so life is good. But beyond that, I'm really excited
to bring you today's episode.

Speaker 1 (00:41):
So I recorded this last week.

Speaker 3 (00:44):
And this was well if I sound like SHA was
deathly ill while I was recording it, so I apologize
in advance. But I recorded this last week as a
part of the Mastermind that I've been talking about to
just be social club. And one of the things I'm
trying to introduced now as I've been doing it for
a few months is the idea of guest speakers within

(01:07):
the Mastermind kind of on like special evenings and doing
a live podcast virtually where you know, I record the
podcast interview as I normally would, but in front of
a virtual audience that can then ask questions right so
or I ask a good and go segment will be
with live questions from people who are sitting in on
the interview. And to be a part of this, you

(01:29):
have to be a part of the mastermind Are Just
the Social Club. Now we currently only have one Mastermind
going one Just Be Social Club group going right.

Speaker 1 (01:37):
Now, planning on building out a second one.

Speaker 3 (01:41):
So we've been doing a waiting list and actually a
couple of you who had signed up for the waiting list,
I invite it to be a part of this, which
I think we'll do periodically depending on if people from
the other group, you know, depending on how many people
can't attend the live taping will then fill those spots
potentially with people who are on the waiting list. So

(02:02):
that's why I always encourage people if you want to
be a part of this, if you want to gain
access to all that we're doing, email brand that at
mindofa Young Lord dot com and just tell her you
want to be put on the waiting list for the
just Be Social Club Because this is just something I'm
really trying to bring as much value and really build
a community you know, around those you know who are

(02:25):
you know from from similar backgrounds and who also want
to grow and become better, you know. So like this
Mastermind was all about financial literacy, which I know I've
done a couple of times as far as topics here
on the podcast, and we did financial Literacy Month, but
I think in this particular taping and my guess was

(02:48):
Lucy King.

Speaker 1 (02:49):
And it just felt different.

Speaker 3 (02:51):
It was like more of a spiritual financial literacy conversation.
And I'll let you kind of see what that is.
I don't think I can do it justice, but it
was just incredibly motivating, and I know that the people
on that call felt something special while listening to her
talk and having her answer their questions. And I think

(03:15):
beyond just like financial literacy, Lucy's also just like an
amazing I think life coach in general. So like you
kind of got the best of both worlds of somebody
who's really knowledgeable on building wealth and investing, but also
is an entrepreneur herself and speaks about the idea of
like pushing yourself to fulfill your dreams. And one of

(03:37):
the things that we will talk about in this conversation.
I don't want to ramble for too long, but I
know a lot of you have talked about the idea
of wanting to be an entrepreneur, wanting to be your
own boss, and for Lucy, I actually asked her like,
what is the preparation financially people should do before taking
that leap of faith into starting their own business and
quitting their nine to five. So I'm really really excited

(03:59):
to bring you this conversation again. It's a live podcast
that we did for our private Mastermind group to just
be social club, and we're planning on doing this every month,
having a different speaker who is an expert on a
particular category that.

Speaker 1 (04:16):
Is not just money related, not just career related.

Speaker 3 (04:18):
But I want to just bring people from all around
the spectrum that I think are just personal growth and
wellness related in general, people who are just trying to
help others from our community, people who look like you
and I to just be the best version of themselves.

Speaker 1 (04:33):
So I'm really excited to have this sort of guest series.

Speaker 3 (04:36):
Going on in these live podcast tapings, you know, in
front of an audience, I guess if you will, so
that it's not just me asking questions, but that you
get to be a part of it as well, and
again have access to people who ordinarily wouldn't be speaking
for free like this, and you'd really have to pay
a premium to get to work with them, you know.
So just really all around stuff that I'm excited about.
We're going to keep building this out. Just be dot

(04:58):
nyc at just be nyc if you want to follow
us on social media. I have so many plans for
this brand to just bring it into something that I
think is an incredibly powerful tool for our community and
those who want to grow beyond just hearing the podcast,
beyond just reading books, but also just connecting with like
minds and people are going to push you to be
the best version yourself. So without further ado, let's get

(05:20):
into this conversation with Lucy King. This was again a
live podcast that I did last week as a part
of our Mastermind group to just be social club and
we'll do it for our me hint that segments.

Speaker 4 (05:36):
My guest today is an investor, a coach and host
of the Say All Out Wealth podcast, Lucy King.

Speaker 1 (05:45):
How you feeling today?

Speaker 5 (05:47):
I'm doing great. Thank you so much for having me
and I noticed someone from Portland, so hello.

Speaker 4 (05:57):
I love it.

Speaker 1 (05:57):
I love it.

Speaker 4 (05:57):
Yeah, I'm so excited because I feel like There's endless
conversations to be had around finances, particularly when you talk
about communities of color, which have been left out of
these conversations for so long. And I love getting to
meet people like yourself who particularly speak to our community.
I know you do a lot of work for Latina specifically,

(06:18):
but in general, I think just having that focus and
sort of knowing the very specific things that set us
back personally, I think is incredibly sort of useful and
a great vantage point to have some I'm really excited
for you to kind of share a bit about the
specific needs that you recognize and why you're doing the
work that you're doing right now.

Speaker 5 (06:39):
Yeah, thank you. Such a great question. So I started
my journey out of really, I want to say anger.
That's kind of radical, but there's really what it is.
I actually deny access to financial advice because I didn't
have one hundred thousand. So, going back to what you
just said, there is a huge, huge barrier to entry

(07:03):
for communities of color, and so a lot of times
the requirement is that you have to have one hundred
thousand dollars to start investing. And when I was ready
to really embrace on this journey of like, I don't
know what it looks like, but I really want to
break generational cycles. I was faced with comeback when you

(07:25):
have one hundred thousand, and then I'm not a quitter,
so I told myself, well, I'm gonna go find somebody
else that can help me. And the next person that
I approached was, yeah, you come back when you have
one hundred thousand. And I'm very curious, so I asked
this person like, oh, how many women do you have
right now as clients that are Latino women of color

(07:47):
people of color? And this person had the audacity to
tell me, we just don't see people like that, and
a really like ignited the like passion of like, you
know what, I'm like, thank you for your time. I
walk away because I was very like shaky, because I
was literally angry, and so I told myself, I walk away.

(08:10):
I was angry. Then I was crying, and I said,
I'm going to become the person for my people, for
a community of colors, for Latinas, and so here I am.
Now I'm teaching everyone the things that I've learned along
the way, which is not just about finances but actually
a lot of them generational trauma, generational healing when it
comes to money, because you carry that and sometimes we

(08:33):
don't talk about it, right because money is such a
big taboo topic where like we want to be successful,
we want to be the millionaires, we want to be
like this personality, right, but we don't want to embrace
those things that really called us at the core.

Speaker 4 (08:48):
Yeah, yeah, that's that's completely true. I think it's money's
like this fro pa and it's this sort of thing
that we hold close to us because we want to
appear successful, and then in doing that, we often time
to shoot ourselves and the focus when asking the questions
that we should be asking to actually get us to
where we want to be, right, And I just out
of curiosity. The one hundred thousand dollars was that for
like investing in Wall Street stocks.

Speaker 5 (09:10):
So that was to be able to have access to
what I call somebody else's brain, so to work with
a financial advisor that was going to teach me how
how to start what was the best investment in strategy.
And because the media is really focused on, you know,
keeping rich people rich, I also believe that in order

(09:30):
for you to become an investor, you needed to have
one hundred thousand. You can start investing with five dollars
and you don't need to pay for somebody's knowledge or
somebody else's brain to do that, because we have the
power to learn that finance. Investing has zero to do
with math. Is more of like you embracing that you

(09:51):
really want change and just the whole little fire that
you feel like, I want to be successful, I want
to create change. Just grab that and see, I'm going
to do it, and it's just a decision. Investing and
becoming an investor is just one decision.

Speaker 4 (10:07):
Yeah. I love that perspective, and I want to get
you to like just kind of break down in the
simplest form for someone the way they can.

Speaker 1 (10:15):
Start with whatever they have. But before that, there.

Speaker 4 (10:17):
Was there's one thing that you had on your Instagram
that I found really fascinating and it's around, you know,
a mindset obviously, but you talk about the idea of
decolonizing your mind and I'm curious what exactly you mean
by that.

Speaker 5 (10:33):
Oh my god, I was like, he looked me up.

Speaker 6 (10:35):
You know.

Speaker 5 (10:38):
So the way I like to describe this is communities
of color had been conditioned to believe that in order
to be successful, you need to have a college degree,
that in order to be successful you need to own
a home, that in order to be successful you need
to have a six figure salary.

Speaker 7 (10:55):
Right.

Speaker 5 (10:56):
You have been conditioned to believe that if you have
a good credit score, you are worthy of like this
amazing privilege, right, And all of those success rules were
not created by people that look like us. So what
I'm talking about decolonizing is really embracing that you need

(11:18):
to break up the rules and choose what works for
you and let go of this belief that, oh my god,
I want to become an investor, but I need to
have a perfect credit score, because investing doesn't require a
credit score. By the way, investing doesn't even require you
to have a work history. And so, going back to
the colonizing, communities of color have of course been you know,

(11:40):
oppressed politically, We've been persecuted, I mean all of these things, right,
And because of that, we have learned to code switch,
and we have learned to have this belief that we
are the help. I mean, I'm a coortanate housekeeper, and
I used to believe like, oh my god, I'm the help.
That is who I am. Right, I'm second, somebody else
comes first, and now I'm like, no, I'm going to

(12:02):
take up space and I can come first, and that
is okay and is safe.

Speaker 4 (12:08):
Yeah, Yeah, I absolutely love that. I think. Yeah, I
mean this resonates for me personally when I think too,
even like my father and I've kind of talked about
this a bit before on I think previous episodes in
Our Mastermind, But my dad would always sort of say
when I would just kind of say why can't we
do something?

Speaker 1 (12:24):
His excuse was that the people you.

Speaker 4 (12:26):
See that are rich or successful, they were born into money,
so therefore it's like not for us at the end
of the day, right, And those were his own limiting
beliefs that he was taught and what was passed down
to him. And you know, if I hadn't sort of
embarked on my own journey, I might have just continued
on that sort of generational curse of believing that this
world of not living paycheck to paycheck or not you know,

(12:49):
having anything to leave behind my kids when I'm gone,
just thinking that that was the norm and that was
what was destined for us. Right. So I want to
really dive into that a little bit when it comes
to the idea of trauma and limiting beliefs, right. And
you know, even for me, as much as I've done,
I still have this blockage when I tell myself, I

(13:12):
want to now take it to this next level. I
want to take it to this next level. And it's
always this constant tugging pull that I have to remind
myself you can do this. No matter how much sort
of proof I can show myself you went from this
to this, there still is like that conversation that needs
to happen. So can you talk about maybe some of
the things that you did to kind of get out

(13:32):
of your own way, and how you also coach people
who continuously have this sort of internal struggle when it
comes to wanting to you know, grow and grow and
grow when it comes to their finances.

Speaker 5 (13:43):
Yeah, thank you. So you're asking me so many good questions.
I'm like, wow, thank you.

Speaker 2 (13:48):
Good.

Speaker 5 (13:49):
So it's so important that we separate the limiting beliefs
from the financial trauma, right, because sometimes when we think
about trauma, we're like, oh, it's just this shadow thing
that doesn't feel good, right, And there's actually different parts
of trauma. And so how I like to start is
by thinking of your mindset as folders or a file, right,

(14:12):
a file cabinet, and so in that cabinet is your
childhood memories that actually started when you were in your
mother's wound. So a lot of us, especially people of color,
are already born with trauma, right, And we don't like
that we're trauma because if you're anything like me, we
automatically as like, man, I'm broke, right, No, you have

(14:35):
done nothing wrong, and so that trauma starts with the wound.
So just picture folders right, and throughout our lives, because
of events, things that we see, with things that we experience,
things that we hear, these memory files are created. I
don't know if any of you watch the movie Inside
Out with the core memories, some of you are like saying, yes, okay,

(14:59):
so it's a cartoon for kids, and essentially our money
memories are creative. So if you witness, I'm gonna go
back to your dramas and the story that about your dad.
If you, as a kid witness your dad is struggling
financially and always wanting to like no, shine too much
or help me too much, that is probably why right
now you're like, man, I'm a go get her I'm

(15:21):
gonna get things done, but there is something there that
still keeps you from like really getting to the point
because subconsciously you're like, well, my dad growing up told
me that I shouldn't done X, Y and C right.
A lot of witness our parents argue for money, and
so now we associate money with argument, and for a

(15:43):
lot of communities of color, money arguments are like the norm, right,
like drinking water, but life, life is not meant to
believe like that. And so understanding what happened to me
growing up, and one of the best exercise that I
have my clients do is actually write their money story.
So write down, like what is your money story? Right?

(16:06):
Think of it as like you're writing a letter to
somebody else to explain who you are, but from a
perspective of money. So, for example, in my case, I
grew up moving so much, right, so my money story
was like financial instability is not for me, We have
to struggle. There was a lot of abuse happening to

(16:26):
my house, financial abuse, and so I grew up watching
that and then it translated into me wanting to be successful.
But once I was successful with following the rules that
were not created for me, like this six year salary
making it to college, all of these things. I realized
that even though I was financially healthier, I wasn't feeling it.

(16:49):
And then our body also remembers a lot of the
trauma that happens. So a good way to, like Alivia,
all of these hiccups, what I call is that you
have to a lot help to learn from even somatic coaches. Right,
Like it's so wild for us to think about money
and smatic work, but it's very much intertwined. And so
think about your memory files and also do this exercise

(17:13):
of financial forgiveness, like who do you need to forgive
for your money mishaps?

Speaker 7 (17:20):
Right?

Speaker 5 (17:21):
And so these things will really make you feel like wow,
you know I maybe you have debt right now and
you feel so much shame for them. But also think
of the opposite side of that, like what is your
dead trying to teach you? And how does your debt
help you get ahead?

Speaker 2 (17:38):
Right?

Speaker 5 (17:38):
Because society and of course you know, capitalism is all
about like debt is bad. There's good day and there's
bad day, and it's like dead doesn't have a moral value.
We are just listening all of these rules, all of
these things that we must follow, but they were not
created for us. In fact, this is probably why the

(17:58):
marketing is so strong, because they want to miss with
people like us, where I'm like, I pot en like
I shouldn't be in deare right, And I always say these.
When communities of color borrow money, it's called dead, but
when other people borrow money is called leverage. So I'm
standing the language of how finances work is really gonna

(18:19):
help you feel lighter right away.

Speaker 3 (18:20):
All right, So I'm gonna jump in here real quick.
I'm hoping you're loving this conversation with Lucy King. I
know I got so much out of it. But I'm
a pause here and we'll take a quick break. Then
we'll be right back. All right, we are back, and
now let's dive back into this conversation with Lucy King.

Speaker 4 (18:39):
I want to ask just one more thing because you
have me kind of on a train of thought here.
You're talking about how many of us grew up watching
our parents fight about money, and I know that that's
very much true for me. My mom used to have
me hide the mail so my dad didn't see the
bills coming in and things like that, Right, So money
was obviously a point of contention in their relationship, and

(19:01):
that it was you know, that tension was passed down
to myself and my sisters just living in that household.
So how do you develop a healthy relationship with money
inside of your marriage or your relationship with your partner
as well.

Speaker 5 (19:17):
Yeah, So I love sharing this story about my partner
because so my partner is Caucasian, he's a white man,
and he comes from very humble beginning. So it's like
I do. Our story is very very similar with men
told that we were cut by the same clock, because
our story is so similar even though we're not, you know,
physically the same. But I remember the time when I

(19:41):
was going to have my first money conversation with my
husband and I'm in the kitchen and I was so
nervous and as I'm getting ready to tell him that
I purchased something without consulting him, right, and I'm talking
about like ten thousand dollars, and I'm walking into the
kitchen and I'm grabbing the counter and I'm starting to

(20:02):
shape and I'm telling him and I'm like oh, and
he's like that's great, that's great, and I'm like still shaking,
and I'm like, but what what do you mean It's fine?
And I started like acting the way my mother will act,
and so I literally was it was I was a

(20:24):
reflection of how my mom was acting with money. And
then my husband looking and he said, we are safe
with money. He's like, we are not our parents. He's like,
why are you trying to argue with money? He's like,
We're fine, and then he just gave me a big hug,
and I was like, WHOA right? And so a lot

(20:45):
of the reactions that we have to money is because
we this literally saw our parents. Are you right? So
sometimes our reactions to money are just a what I
call a shadow belief of what our parents were doing.
And so in order for you to break away from
that is really a stop for like one second and
just think about, like, how do I want this conversation

(21:07):
to go with my partner? Right? Because now I have
beautiful conversations with my partner about how we're going to
reduce our taxes, how we're gonna hire kids, how we're
gonna do all these financial moves. And I have a
five year old who's watching, and sometimes I guess so
emotional because I think of her, right, like, wow, her
money story is going to be full of partnership, collaboration, abundance,

(21:33):
right versus me where I was like scarcity, beer, trauma,
all of this right, And so slowing down always helps,
always helps, take a deep breath before you have a
conversation with your partner, but also show up as who
do you want your partner to be. For example, when

(21:54):
I show up with my partner now and I'm like, hey,
I'm gonna spend twenty thousand dollars, right, I'm going to
like you, I'm like, hey, honey, like I'm selling myself
in a way where I'm like just like, hey, we're
gonna do these moves, right. So don't put all of
the pressure on your partner, because you also need to
show up as the person that is like the dream

(22:16):
version of you for your partner when it comes to finances. Right,
So if your partner dreams of you being less dramatic,
and I know this sounds kind of harsh, but it's
the true, just put on a half and be like, Okay,
I'm missus or mister confidence, and we're gonna do this
and we're gonna have this conversation without arguing. And always
know that you don't have to make a decision in

(22:38):
that moment, right, because it's another part that we feel
that things need to happen like this, right because hussle, hussle, hussle,
And it's like, no, you can talk about me and
not have an answer or a conclusion.

Speaker 7 (22:50):
That same day.

Speaker 1 (22:52):
M hmmm, Yeah, No, I love that.

Speaker 4 (22:54):
I'm glad that we had that part of the conversation
because I don't think I've ever personally heard it broken
down in that way, or even when I have talked
to financial you know, experts, or when I hear them
speak or listen to a podcast, I think we almost
at times take the humanity out of it, and, you know,
kind of forget how much is involved in all of

(23:16):
the financial decisions we're making beyond just investing, but the
way it plays out in our personal lives and our
relationships as well. So I'm glad that you you shared that. Now,
another thing I wanted to touch on today, If I'm
not mistaken, it's called the eminem explanation of investing that
you you have. If I'm not mistaken, I want to
hear you kind of break that down. I've heard great
things about it.

Speaker 5 (23:36):
Yes, let me see, I would love to show a
visio if I can get some access. And this is
how you explain you investing by the way, I just
break it down into like terms that people understand just
because it's more fun. And also, when you take money
out of the question of investing, it's just energy, right,

(23:57):
So think about like, hy kind not energy? Are you
given to your well building journey? And even if you're like, what,
I'm not an investor yet, yes you are. You being
part of this mastermind already makes you an investor because
the best asset is always going to be you.

Speaker 1 (24:16):
Okay, I love that.

Speaker 5 (24:18):
So the way I teach investing can you see my screen?

Speaker 4 (24:22):
Yep?

Speaker 5 (24:23):
Okay, perfect. So the way I like to teach people
to invest is the lazy way. And this is almost
my way of resisting the business of like we always
have to be busy, we always have to do things right,
and so the lazy way of investing is very simple.
So a lot of people are like, I'm gonna invest

(24:44):
in stocks, and they're like, oh, I'm gonna buy Apple,
I'm gonna buy Microsoft, Netflix, whatever. Right, people get into
like Tesla, like oh my god, this is so cool.
So essentially what they're doing is they're buying individual stocks.
So think of it as like individual eminems. Right, you're
buying a eminem purple, yellow, red, green, and that is
a good investment strategy if you are a younger you. So,

(25:09):
for example, my daughters, this is the investment in strategy
that I use for them. Why because they still are
babies in a way, right in terms of investing, They're
gonna have so many more years to grow their wealth.

Speaker 4 (25:22):
Right.

Speaker 5 (25:23):
In fact, my four year old and my three year old,
they're already investors. And then the way I want people
to think about, like the lazy way as a form
of resistance, is rather than buying single eminems, you get
to buy a bag of M and ms. So you
still get M and ms, but rather than just getting

(25:43):
purple eminems, now you're getting a combination of colors of eminems.
And this is what is known as a low cost
index fund. So this way gives you exposure to five
hundred of the largest companies in the US, which already Apple, Tesla, Google, Netflix,

(26:03):
Johnson and Johnson, all of these big companies that we love.

Speaker 4 (26:06):
Right.

Speaker 5 (26:07):
The reason why the leasy way to invest is better
it's when, for example, so you make money when the
companies make money and they give you a dividend pay.
But when you're sharing your love to just one company,
if the company is not doing good financially, it's very
likely that you're not gonna get the dividend pay that

(26:29):
you expect versus having five hundred companies working for you,
and when one doesn't he the goal, you still have
one hundred and ninety nine. Does that make sense? Another
way to invest is with exchange traded funds, which is
also a bag of M and ms. You still get
the colorfool eminems. But the difference between these is that

(26:52):
these ones are divided by sector. So if you like,
for example, cannabis right because it's very popular right now,
you can buy an ETP the follows the index or
the follows the sector, and you can also maybe invest
in like medical technology, whatever you want, real state. But

(27:14):
it's exactly the same. So does that make sense?

Speaker 4 (27:18):
Yeah? Yeah, no, that's that is super Probably the most
easy way I've ever heard this explain in my entire
life when it comes to this type of stuff. So
I appreciate you you sharing that with us. That's amazing.
So all right, so we have the the Eminem's explanation
of investing, right, I think it makes a lot of
sense for a lot of people. Now where do we

(27:41):
start then, right, because obviously everybody's threshold is going to
be different, everybody's starting amount is going to be different.
But let's just kind of break it down to a
small even number. If I'm somebody who has one hundred
dollars a month, where do I start investing? And what
is kind of the best way for me to get
my feet wet and begin to learn this whole process

(28:03):
of trying to build this generational wealth.

Speaker 5 (28:05):
I think we're all striving for yes, and we all
are going to achieve it.

Speaker 1 (28:11):
I love it.

Speaker 5 (28:12):
So think of investing and well building as a ladder
or I don't know if you can see, so think
of it as, yeah, I'm just doing a ladder right here, right,
And so the this is how I teach people. By
the way, the first block is always going to be
your mindset, which a lot of you are are already
doing that because you're part of this group.

Speaker 2 (28:32):
Right.

Speaker 5 (28:33):
The second building block or the second step is going
to make sure that you actually have a fully funded
piece of mind. So this is not as your emergency fund,
but I don't like the work because we don't need
to be saving for emergencies anymore.

Speaker 1 (28:48):
Right, so you piece of.

Speaker 5 (28:50):
Mind, fine, if you can save a thousand, two thousand
is start there. That is like your second block. The
reason why you want to do this is because we
all know that life is going to happen.

Speaker 2 (29:04):
Right.

Speaker 5 (29:04):
It's not if it's going to happen, but it's one
is going to happen. And so you want to have
this set aside in a high savings because your money
the moment you open that account, your money is already
making money. It's not giving you as much as a
stock market, but it's giving you money, and your money
is already working for you. It's like again the lazy way.

Speaker 2 (29:24):
Right.

Speaker 5 (29:24):
Then after that, you want to make sure that you
check in with if you have credit card day, that's
the one that you want to get rid of first.
If you don't have credit card day, you're good to
go and investing. Even if you have a student loans,
you can start investing. And so the way that you
do that is find a brokerage, like who do you

(29:45):
want to work with? Like I like Fidelity, Bangor and
travel Shop just because they have been here the longest, right,
like I don't trusting your guys. Ah, somebody helped me
my money.

Speaker 1 (29:59):
Eat trade or uh.

Speaker 5 (30:03):
Robbing her like. So they are so new, right, and
if you follow the news, there's some like you know,
things happening with them, and so I trust like I
trust like the institutions that have been the longest. And
so to opening account, all you need is your Social

(30:24):
Security or I T, I N, your tax id, your address,
your name, and then after that there's six steps into investing.
So you open the account, you have to transfer money
from your checkings into this investment account, which is just

(30:44):
an account just like you're checking. Okay, Then you have
to go back and you have to buy something, and
what you want to buy depending on where you want
to go. Do you want the single M and MS
or do you want the bag of Eminem's right, I
hope you say the bag of eminence. And and after
you do that, you have to click a couple of
things that are reinvest dividends and monthly automation. So if

(31:09):
you're not investing yet, I always say start with fifty bucks.
Five dollars is gone, but fifty you actually get to
see that your money works for you and just let
it be right now, if you are someone who says, Lucy,
but I just want to invest because I want to
be rich, Like in five years, it's not going to happen,

(31:31):
and I will tell you why, because you need to
master the building blocks before you get to the top.
Because guess what once you get to the top. This
is how I like to explain you too. You're building
a mountain, right, so this is like one once you
get to the top, depending on what your balls are,

(31:53):
you're like, already reach the mountain. I'm a hiker, by
the way. In case, so after you reach and like, wow,
what else can I do with my money? And that
translates into maybe you want to become an angel investor.
Maybe now you want to actually use your money to
support communities of color with their startups. I mean, the

(32:15):
forest is so big, right, so you get to decide
how many mountains you want to climb. But start there
and think about your goals, right, Like, don't invest just
for invest don't invest just because it's so cool and
everyone is doing it. Do it with a purpose, Like
what is it that you want? Do you want financial freedom?
Do you want to have a million dollars? What is

(32:38):
it that you want, and based on that you can
invest and know that the stock market is like going
to buy I'm looking at dramas not with his hands,
like going to buy hats. How many hats do you have?

Speaker 7 (32:51):
Drugs?

Speaker 1 (32:53):
I assume any account at this point.

Speaker 5 (32:54):
Okay, so so well, building is the same way with investing.
Different investment accounts to serve different purposes. So think about
it as going to the market and you buy, you know,
you buy like corn, you buy bread, you buy all
of these.

Speaker 2 (33:12):
Right.

Speaker 5 (33:12):
You can think of it as shoes too, like you
have the sexy shoes, the comfortable shoes, the cool shoes.

Speaker 7 (33:17):
Right.

Speaker 5 (33:18):
All of these investment counts serve a different purpose. So
what is the purpose of your money? Do you want
to build wealth? Do you want to reduce your taxes?
Do you want to have money for your health?

Speaker 4 (33:29):
Like?

Speaker 5 (33:29):
What is it that you want?

Speaker 1 (33:30):
Right?

Speaker 4 (33:31):
Yeah, I think that's yeah, I think it's it's whatever
your definition of success is. Right, It's something I always
talk about that's a personal relationship. I can't tell you
what it means for you to be successful because you're
the one who has to live with whatever results you get. Right,
So that's that's always something you have to define for yourself.
You know, my version might be different from yours.

Speaker 1 (33:49):
Okay, so I'm.

Speaker 3 (33:50):
Gonna pause here one more time. We'll take another quick break,
and then we'll be right back. All right, we are back,
and now we will have the rest of this conversation
with Lucy King.

Speaker 4 (34:04):
We're living in a world where becoming an entrepreneur and
having financial freedom and working for yourself are It's a
far more accessible path than it's ever been. Right, But
there are a lot of people, and I was in
this boat as well for a while, where you know,
we're used to the consistent paycheck of a nine to
five and that security that comes along with it, but

(34:25):
we're also being pulled in this other direction towards our passions.
And I'm sure at some point you know you had
to make this leap of faith as well. I'm curious
if you can lend any sort of advice to anyone
who is interested in going off on their own and
taking that risk of starting a business and something they're
passionate about. What are kind of the steps that they
should be looking at before quitting their job to kind

(34:46):
of give themselves the best shot to not only find success,
but also it not be hell while they're trying to
make that happen, you know, to alleviate some of the
stress that comes along with with money woes.

Speaker 5 (34:58):
Well, this is so good. So what I suggest is
that use your current paycheck to fund your business. I
think sometimes we have this belief of like, oh my god,
I'm gonna quit my job and I'm gonna lunch business,
and I need thousands and thousands of dollars like no, like,
Depending on the type of business that you want, you
can have a business with zero dollars invested, right. But

(35:22):
you can also use your paycheck to have what I
call an opportunity fund. So if entrepreneurship is calling you
and you're like, man, I want to be my own boss,
I want to do my own things, create an opportunity fund.
And how the looks like is you open it your
savings at a different bank than your traditional bank, and

(35:42):
then you transfer ten dollars, fifty dollars, one hundred dollars, right.
And so with that money, let's say that you made
a thousand, right, and you're like, okay, I have a
thousand dollars. I actually have money to live comfortably maybe
for three six months. Everyone's risk is so different, right.
Some people are like, no, I needed five years, Lucie,
and that's okay, right, And so what we need to

(36:04):
do is just use the money and test things out.
Don't just go culture like, you know, have this job
like I don't like it, I hate my boss, blah
blah blah. You can actually start monetizing your passion through
platforms like Fiber or upward before you actually go full force, right,
like it's not all or nothing. And then from there,

(36:26):
what I want to say for those of you that
are like I want to become an entrepreneur, you got
to be so comfortable with sales negotiation. Sales has been
like colonized to be like, oh, sales is bad, we
take advantage of peep or like salespeople are dirty. Sales

(36:49):
people are nasty, right, and that is the reason why
our mind has been colonized. So decolonized sales as well.
Sales is serving. When you share your gifts with the world,
people want to work with you. So like literally fall
in love with sales. And if you're like, man, Lucy,
but I'm not comfortable selling, who's gonna want me?

Speaker 7 (37:11):
Oh my god?

Speaker 5 (37:12):
I want to vomit. That's some inner work that you
have to do seriously because selling is serving. And also
learn negotiation. We negotiate all the time and we don't
even think about it. But learn the art of negotiating
and starting your time because as an entrepreneur, you're gonna
need a lot of time. So learn to delegate some things.

(37:33):
Learn to be like, hey, honey, can you take care
of the kids? Because I got to do something right
and so those two things were really go a long way.
Those two things along will make you a millionaire.

Speaker 4 (37:46):
Yeah, I think you're speaking too when I think about
my journey, two things that I had difficulty with and
two things once I began to get out of my
own way, they were incredible tools to kind of help
me begin building, to kind of get to where I
wanted to go. And I want to start opening it
up for questions, So if you have a question.

Speaker 1 (38:05):
Get ready.

Speaker 4 (38:06):
But I think, yeah, when you're talking about negotiations, I
was taught, you know, by someone, and I was very lucky.
They always told me don't ever accept the first offer.
And this was after years of working in radio where
I was just so grateful to have a job at
a place that I liked that I never negotiated ever
when they offered me a job. I always just took

(38:26):
the first offer, and eventually I was lucky enough to
get mentors that said no, if they're offering you this,
that means that there's more money on the table that
they're willing to pay, and you'll find somewhere to meet
in the middle. And that was life changing for me
because it now affects the way that I look at
every situation when I'm working with somebody, or if there
is an opportunity, I always know the worst thing I

(38:47):
could say is no, but I'm going to ask for
more money at the end of the day, and nine
times out of ten I always have gotten it right.
So that's been really life changing for me. And I
think the other thing that you said when it comes
to sales, and this is something I traditionally been terrible at,
as being like very self promoted, I've always kind of
seen it as a negative thing. But what I've also
recognized is that if I'm explaining to somebody what I

(39:09):
do and I'm not coming across as confident or passionate
or interested in it, how can I expect them to
be any one of those things either, right, that people
are reading your body language at the end of the day,
and if you're just kind of like, yeah, you know,
I just kind of do this podcast, it's cool, They're
gonna think, oh, he just does like a podcast in
his mom's basement, and that's really all it is, is just
like you know, and he has two listeners every week.

Speaker 2 (39:30):
Right.

Speaker 1 (39:30):
But if I come across as like, yeah.

Speaker 4 (39:31):
I'm doing this with the iHeartMedia and it's a you know,
all these crazy people come off the show, then it's like,
oh shit, this is something I probably should check out
because there's maybe some value there in the way they're
talking about it.

Speaker 1 (39:40):
So I love that you you brought that up because
it just.

Speaker 4 (39:42):
Resonates so much even when I think back to kind
of what I've been doing over these last few years
and what I need to even improve upon as well.

Speaker 1 (39:50):
So I want to open it up to questions.

Speaker 3 (39:53):
With that said, all right, So the next part of
this whole conversation was doing a live ask acuping Ghost segment.

Speaker 1 (39:59):
So I'm really really excited about that.

Speaker 3 (40:02):
A lot of great questions we're asked, a lot of
great answers we're given, so without further Ado. Let's dive
into that, but first it's take a quick break and
then we'll be right back.

Speaker 1 (40:17):
Ask question if you want to.

Speaker 4 (40:24):
I don't know if you raise your hands and then
unmute yourself. How it's not like there's a ton of
people even talking over each other. So anybody want to
go go first?

Speaker 7 (40:31):
Here?

Speaker 1 (40:33):
Okay, yep, go ahead.

Speaker 6 (40:35):
Awesome, Thank you so much. I'm so honored to be here.
Antonio Fernandez from Portland. I have a corporate job. Yeah, yeah,
thank you, Lucy. Just just amazing, Like I actually have
just a list of I've been taking notes and I
have a list of questions. You're so inspiring.

Speaker 1 (40:53):
I have.

Speaker 6 (40:53):
I work in corporate right now. I do have aspirations,
you know, like what Drama said about, you know, doing
being my own my own boss or other? How do
you how do you find out like or help your
clients put a value on their worth, like if I
met a position making X amount and you know, maybe

(41:14):
me and my wife are having that discussion. And I
love what you said about you and your partner because
I found like communication is really important, like just having
even a conversation because we never talked about it growing
up either how do I like figure out how much
I'm actually worth? Maybe in corporate America. And if I'm
actually working a job, I do enjoy my job. But

(41:37):
how you know, if I'm I'm looking for another job,
you know, how do I gauge like where I really
should be versus like Drama said, like I kind of
sometimes just take the job, Like they offered me this
amount of money, and I'll take it. You know, is
it a lifestyle? Is it a dollar amount or is
it something else? When you're like helping your clients find

(42:00):
find the number or whatever it is, thank.

Speaker 5 (42:04):
You, Antonio? Are you ready for these? What is your
income capacity right now? What is the most amount of
money that you're comfortable earning right now? How much are
you making your ninety five? I'm gonna make up a
number so you don't have to tell it. Say, let's

(42:26):
pretend that you're making fifty six. How do you feel
about fifty six?

Speaker 1 (42:37):
Not enough?

Speaker 5 (42:40):
Not enough? So in order for us to really feel
abundant and really build well, we need to increase our
income capacity. So, for example, if somebody told you, well, Antonio,
thank you for being here, We're going to give you
fifty six, ask yourself why am I now asking for
seventy five? Journally helps your brain has the answers already.

(43:06):
And if your friend say it's great, seventy and six
sounds so scary, Well, why are we afraid of seventy
and six? How are we going to feel when we're
making two hundred a year? Are we going to feel
when we make five hundred a year? How are we
gonna make feel when we make a million dollars a year?

Speaker 4 (43:21):
Right?

Speaker 5 (43:22):
So, what you're doing right now is you're listening to
how you feel. Right now, you're expanding your capacity for
earning more. And then you're also accessing your higher self
like you're already like visualizing yourself in the future when
you're making a million, and so in order to earn more,
you need to grow the capacity. Another way to think

(43:44):
about it is like I have this water right here, right,
like it's so big. I have a problem drinking water,
and so I used to bring these little things of
water right and I say, well, if I want to
drink more water, because that's one of my goals, I
need to increase the capacity of this content so I
can drink for water with earning is the same, right,

(44:05):
and also ask yourself questions like what are the things
and the beliefs that I need to let go off?
So I'm comfortable receiving two hundred K, because it's not
like if you're going to receive it like you are
going to receive it. Like the moment you say my
income capacity is two hundred K a year, you already

(44:26):
put that out there, right, It's already already there waiting
for you. And it's okay for us to say my
income capacity is two hundred, like you know maybe in
a year, like wow, my inco capacity now is like
five hundred. It's okay for us to keep expanding. What
is not okay? It is for us to be like, oh,
never mind, I only went fifteen Right, So ask your

(44:47):
brain those questions because your brain already has that. And
do market research, you know, what, what are other companies
offering for the job that I'm doing? But also don't
limit yourself, like how are the skill that you already
have transferable into other roles that are paying more? Like
I have clients that I help them increase their income

(45:08):
by fifteen K and fifty K five zero, And how
they did that is they work on that InCom capacity.
But they're also we're willing to move to another industry
right like they're we're non for profit. Women of color
always go there, like we love non profits, Like, oh
help my community? You make money? Can you help your

(45:29):
community when you have more money? So think about this too,
like what are the skills that I have that I
can transfer maybe into the high paying industries? Does that help?

Speaker 4 (45:39):
Yeah?

Speaker 7 (45:39):
Helps so much?

Speaker 6 (45:40):
Thank you very much.

Speaker 1 (45:44):
Who else wants to go? We can do the raised
hand tactic?

Speaker 4 (45:47):
Okay, there's the blue.

Speaker 1 (45:49):
Yeah, yeah, what have y'all?

Speaker 8 (45:51):
Oh you said so many things that broke my mind open.
I never I had to colonize everything, and I was
never thinking about our finance.

Speaker 1 (46:00):
Thank you so much. In the credit score, I've.

Speaker 8 (46:03):
Been stressing me out because AMX did something to me
and I'm like, but it's not made for me. Thank
you for that, first of all, and second of all,
I want to know, Yes, that.

Speaker 7 (46:14):
Is so beautiful.

Speaker 8 (46:14):
Thank you brend for having me here, And thank you
dramas decolonizing around the you know how how like what
this is exactly how I feel. I want to help
everybody for free. I'm spiritual coach, I'm an artist and
all that stuff. But it doesn't matter. I want to
just help people heal and deal and heal their trauma.
And I use the word trauma because I've broken free.
I know how to heal my mind, my body, my soul.

(46:37):
But now finance is the matrix I'm working on, right,
because it's not so how I feel sleazy. I'm not
a sleazy person sales and pitching myself, promoting myself. I
don't want to do that. I want to be humble
and stuff. But that ain't giving me nowhere? So how
do I decolonize that?

Speaker 5 (46:53):
Yeah, so you're not alone, by the way, I mean,
how many of you here want to just serve?

Speaker 2 (46:58):
Right?

Speaker 5 (46:59):
I think every single one of here on the call
wants to throw right. And part of us decolonizing our
mindset and really welcome abundance is embracing the fact that
not only do we need money to survive, but we
also want to have more money. I love money, like
I love money. Money serves me. Money is a tool.

(47:22):
Money is abundant. Money serves my household, my community. Right,
So that's the first step, Like you have to embrace
the money is something that you want, right, Like money
is not evil, money is not bad. You know all
of these especially like if you grow up in a
religious asshole, you're like, oh my god, all these money things, right,
money is just energy too, So start there, yell it aloud,

(47:43):
like as soon as you're all this place, like I
want more money. Like that's the first thing, right, And
then the next thing is you are already in love
with the things that you do. I mean, right now,
when you're talking about, you know, I heal from the trauma,
You're like, that's you are already selling me on it.
So understand that in order to sell and serve, you

(48:06):
actually don't need to use a word selling, right, you know, like, hey,
I'm gonna help you hear your trauma and call one
hundred lahlahla lah.

Speaker 1 (48:12):
Right.

Speaker 5 (48:13):
You don't say it like that, because that's not you.
What you can say is things like, you know, this
is who I am, this is who I serve, and
I'm ready to help you if you're ready to break
free from your trauma. I would love for you to
book a call. I will love for you to DM me.
I will love for you to click the link in

(48:33):
my bio.

Speaker 2 (48:33):
Right.

Speaker 5 (48:34):
So, when we decolonize sales, you get to use your
own language, like for me, I'm all about like I
would love to invite you to a flight to work with,
Like are you ready to you know, make money like
fun and simple blah blah blah. Like I'm all like
right because this is who I am, right, And so
you get to choose how you serve your people through selling.

(48:55):
You don't even have to work the worst sales. If
it doesn't serve you, you can say that. And the
other thing that I will say blue too is if
you're really passionate about serving people, understand that there's three
or four levels of clients that you serve. You might
be thinking, oh, it's just one client, right, Maybe I

(49:16):
don't know who your client is, but I'm gonna make
an assumption, like maybe it's like people of color.

Speaker 1 (49:20):
Right.

Speaker 5 (49:21):
We have so many thoughts about our own people, like
oh my god, I should do it for free because
my people can afford me. And how dare us to
think like that of our own people?

Speaker 7 (49:33):
Right?

Speaker 5 (49:33):
And so checking with your tacts, like if you think
that people can afford you, do you actually have data
that says them or is that your own thoughts?

Speaker 7 (49:43):
Right?

Speaker 5 (49:44):
Because a lot of times it's just your own thoughts.
Like I remember when I started my coaching business, I
was charging three fifty because I was like, oh my god,
I just want to help people pay up day right,
and now here I am charging five thousand dollars. But
the is is that my clients are getting amazing results,

(50:05):
amazing results, right. My clients are learning how to invest,
and it's an investment that is not going to change them,
but it's going to change their family. It's a multi
generational investment. So checking with your pricing right, and again
for you as well, what is your income capacity? Do
you want to receive fifty or do you want to

(50:26):
receive twenty five hundred? What is like in five years
you get one client that pays you twenty five thousand,
how would you feel like? I'm excited for you. I'm like,
I already see you like speaking and doing all of
these things, and so it's so important that you don't
look around on what other people are doing, but rather

(50:50):
look within and like, for me, I love serving my community.
And the way that I do is I offer and
pay speaking engagements twice a month. Like if you want
to get my brain for free, I can do that.
You don't have to pay me. But that is the
capacity that I have to give us well, because I'm

(51:11):
a giver, right, And so I say boundaries with myself
because when I'm coaching for free or when I'm speaking
for free, I have to give up my time with
my daughters, and for me, that is like non egoption, right,
So think about like, can you volunteer one hour a
month to just give everything for free to one organization two? Right,

(51:33):
you get to choose that. But also checking with the
task people. I've been watching you. I'm like, truly when
I watch you reels, when I watch your stories, like
you have a talent that I don't think you even
know the capacity of the talent yet, So explore that talent.
And I see you. I mean I see you, and

(51:53):
I'm like, whoa. So you are taking up space. You
just need to own it and charge for your worth.

Speaker 6 (52:02):
Thank you.

Speaker 8 (52:03):
I appreciate you so much, Thank you, Thank you.

Speaker 4 (52:06):
That was beautiful. I think a lot of what you're
talking about, too is like boundaries, right, setting those boundaries,
like you're talking about giving back with too, speaking, you know,
engagements a month for free, and that's it. And you've
set that boundary for yourself and it's up to others
to respect that because that's what you've decided is good
for you, right, And I think even for me, I

(52:27):
relate on the creative side where it's tough. When you're
coming up. You have to do a lot of things
for free because you're building up your name, you're trying
to build connections, you're networking. Right, for me, as a DJ,
I used to play for free all the time, but
eventually I knew that my worth was rising. I was
becoming a great at what I did. I was putting
the hours in and eventually you're gonna have to pay
me for all the time that I put in. My

(52:48):
worth is going to be the hours of dedication that
I've put into it and the name that I've built
up for myself. And I think you have to be
unafraid of losing that sale quote unquote right where somebody
hits you up and wants you to do this thing
for free, and it's just like, no, sorry, those days
are over. I've paid my dues, I've built myself up.
My talent speaks for itself. This is where I'm at now,

(53:08):
and I can't go back to the days that you
remember me from. And some people are going to tell
you that you switched up on them, and they're going
to tell you that now you think you're too good
for it, And you know what I am, and that's okay.

Speaker 1 (53:19):
I should be.

Speaker 4 (53:20):
I put in the work, I put in, the time,
I put in the effort. I've worked my ass off
to get to the point where I can say no
to that if I don't want to do it right,
where I can question is it worth me leaving my house?
And if it's not, sorry, that's not what I'm trying
to do. Respectfully, I've earned the right to say no
to that, and I think that that's where we all
have to kind of begin to get comfortable, depending on
what you know, where we're at with our journey, but

(53:40):
learning to love ourselves in that way where we can
set those boundaries and understand what we're actually worth at
the end of the day. All right, And may I
also want to add some some questions in there.

Speaker 7 (53:50):
I am happy, nice to meet you, happy to see
everybody on here.

Speaker 2 (53:53):
It's funny done from my corporate job, and did not
switch my name over, so there you go on a
big deal.

Speaker 7 (53:59):
I'm still Jane, So.

Speaker 2 (54:01):
I recently have shifted and I appreciate everything that you shared.
I am probably at the step going back and revisiting
and trying to remove some of the shame of the
step where we are back to paying off debts that
you know, realistically I had paid off fully once before
champion that super proud of it, and I realize in
the reflection of you know, what is my debt teaching

(54:23):
me on this go round? It's realistically that shift in
my mindset of always having a lot of from a
background standpoint, a lot of luck financially, you know, putting
it out there and feeling aligned with things that when
I was down to my last like an opportunity would
present itself or something would open, and I moved a
lot of times, especially throughout my twenties, you know, really consistency,

(54:44):
consistently with that, I now have shifted my mindset realistically
that I want to show myself to be found trustworthy
of financial abundance.

Speaker 7 (54:53):
And that's a quote from Tony Jones.

Speaker 2 (54:56):
I listened to her affirmation for a song called Currency
that just talks about money being fluid energy, and by
focusing myself there, I you.

Speaker 7 (55:07):
Know, have that quote.

Speaker 2 (55:08):
I dropped into the chat literally what John was saying
about you know, yesterday's price is not the same as
today's price. So getting comfortable with asking for that word
has been something that I have been challenging myself through
in a corporate environment because I have a skill set
and there's a background that you know, I work in HR,
so I have a lot of transparency and things that

(55:29):
I can see that others you know, don't always have
access to. And I try to use that as a tool,
you know, with my team, people that work directly with me,
or when we're hiring people, to challenge them to make
sure that they are also asking for their work so
that I can see that, you know, returned. The question
that I have is, you know, as I continue to
move forward with those next steps and I have essentially

(55:51):
opened or expanded my mindset to play with figures to
be able to say, like, I want to have this
by this time, is there something additional outside out of
the stairstep of goals that you see effective in daily
routines of you know, your clients or people that are
highly successful and not falling off the bandwagon to just
stay determined because when there is you know, a financial setback,

(56:14):
it can feel a lot more triggering because we all
have those financial wounds and trauma, and so what are
those things that kind of keep your energy moving, you know,
in that place to let people know like, Okay, that
was a that was a major loss, and here's how
we're gonna bounce back.

Speaker 5 (56:29):
Thank you so much for asking, and I'm so glad
you're here today. So one of the things that I
want you to know is that having no debt, it's
it's it's a it's a it's a fake story. Corporations
have day, Apple has dead, the US government right now

(56:53):
has debt. We put so much more of value into
day and we're like, oh my god, I'm failing. I'm failing.
I'm not I have debt again. Right, It's like we're running.
It's like, yeah, The way I think about it is
like if you start to running, like oh, I'm gonna
sprint to the end, and you're like sprinting, and then
your body's like what the heck did just happen? Like
we're not doing this right, So you need to be

(57:14):
comfortable with debt. My household paid two hundred and twenty
thousand dollars in a student own day in thirty six months,
and I was like oooh I'm free. He's like no,
but it is like a big story. You need to
be comfortable with debt. You need to be comfortable with
leveraging debt. What if the highest version of your cell

(57:36):
has to sit with like fifty thousand dollars in day
five hundred thousand, right, So don't think of like, oh
my god, I have debt and it's gone, like I
have to go back in debt after paying two hundred
and twenty thousand. I have to go back in debt,
but this time was five hundred k in order to
get where I am today, which is half a million

(57:58):
now invested. So you need to be comfortable with death.
I don't want you to ignore your dad. I'll be like, oh,
I need to be so comfortable that we're like ignore
each other. No, you need to know your numbers, but
know that your dead does not define you. And you
use the word like trustworthy trustworthy to who institutions that were,

(58:20):
you know, formed to keep people like us from growing.

Speaker 7 (58:24):
I think it's to myself.

Speaker 2 (58:25):
It's really focused on being trusting myself with that level
of financial abundance and releasing to know that there's not
a set number like I truly believe that. You know,
if I'm driving into work and I passed the Magimalian,
I'll be like, I can do.

Speaker 7 (58:39):
Something with that number. You know, you never you never
know myself.

Speaker 5 (58:43):
Trust think that you know that you need that for you,
that your body needs that. And the other thing that
I want you to know is that success and abundance
and wealth is just like the stock market.

Speaker 4 (58:59):
Mhm right.

Speaker 5 (59:01):
We think of success of like Whooo, I'm gonna go
from A to B and I made it right. Success
it's like this. There are days when you're gonna be like,
oh my god, Jane, we're such a badass. We love you,
You're the best. And then there's.

Speaker 7 (59:16):
We're like, oh what am I doing? Nobody loves me?

Speaker 5 (59:20):
Right, And then then it's like no, girl, wash your face,
let's get up, let's go. We're hr. We know what
we're doing right. So own that I almost said a
bad word on this so much on the apps in
the downs, because that's part of life. Owner, your body,
listen to it. If like me, I'm thinking of like

(59:40):
there's days when I'm like I'm gonna be super healthy
and then the next day it's like I'm gonna eat
tappies all day, right, So that on the fact that
you're gonna have good and bad days. And actually when
you're on these points in your life, your career, your day,
your journey, whatever it is, why are you learning right here?

(01:00:01):
Because that we think that growth happens right here and
no growth is happening down here, right, And so on
those moments of your life. And I have journals like
all over my house now, like journal about it, like
how do you feel?

Speaker 7 (01:00:18):
Right?

Speaker 5 (01:00:19):
What is your day? And also come back to that
what you just said, like trustworthy to myself, is that true?
Is it really you? Or is it daddy or is
it bony or is it that you know our grandpa
who told you that you need to be trustworthy? I

(01:00:39):
mean you are trustworthy. You have a college degree, you
have you know, you have a profession. To me, that's
like trustworthy already, right, But ask yourself like is it
really me that I'm trying to keep or am I
trying to impress somebody else from the past, Because you'd
be surprised by your brain says to you, does that help?

Speaker 1 (01:01:00):
It does?

Speaker 7 (01:01:01):
No, That's a lot to think about.

Speaker 2 (01:01:02):
And those little moments are definitely like the analogy for
the seed that's planted. I know on our last call
we talked about our energy being shifted, and right at
the end of it, you know, shot right back up.

Speaker 7 (01:01:12):
So I'm excited, you know, for that potential and that
was definitely helpful. Thank you, thank you.

Speaker 4 (01:01:18):
That was great. Well well, Lucy, I want to be
respectful of your of your time. I think that that
was an amazing way to end and I think even
for me, just seeing that little graph right there brought
a little bit of a little bit of peace and
calm to me as a reminder of this is just
part of the journey. It's never always just you know,
inclining upwards. So I appreciate you. Anybody that might be

(01:01:40):
interested in working with you, what what's the information they
can go to check out and maybe schedule something with you.

Speaker 5 (01:01:47):
Yeah, thank you for asking, and thank you so much
for having me. By the way, I'd be following your
journey as well. And I just love how you are
and I think thank you all of that. We need
all the all of you here in the room, like
own your voice, just so thank you. People can find
me so I'm most active on Instagram at say Alla Wealth.

(01:02:08):
I also have a website, Saylla Well dot com, and
I'm here to just share with you everything that I've learned,
you know, through my journey, and this is just the
beginning for me, like I'm just getting started as well.

Speaker 1 (01:02:22):
Man, So big shout out to Lucy for hopping on
last week, for doing that live podcast with me and
giving us her time and her energy and inspiring the.

Speaker 3 (01:02:31):
People that were on on that taping. It was incredible.
I really walked away with so so much out of it.
I was motivated and happy, and I think a lot
of you could probably say the same. So again, you
want to be a part of this, email Brenda at
mindofyong Lord dot com just say you want to be
put on the Just Be Social Club waiting list as
we get ready to build out this next group, and

(01:02:51):
we're gonna be launching pretty soon, so definitely add your
name to that list so you can be a part
of conversations like this one. Now, with that said, I'm
just gonna tie everything we talked about today in a
neat little bow in a segment we call conclusions to time,

(01:03:12):
all right, So I just think we touched on so
much with Lucy King, and I think the biggest takeaway
for me.

Speaker 1 (01:03:22):
Was the mindset work when it comes to finances.

Speaker 3 (01:03:25):
Right, Because you can read all the financial books in
the world, you can listen to all the financial literacy
podcasts and and and you know, read all the investor tips,
but a lot of what holds us back is our mindset.
And as we kind of talked about these systems, these institutions,
they were not created with people who.

Speaker 1 (01:03:45):
Look like you and I in mind right, So as
a result, we've sort of developed a lot.

Speaker 3 (01:03:50):
Of limiting beliefs around money, around investing, around financial literacy.
And I love when she talks about the idea of
decolonizing her mind right. It's like we have to unlearn,
as we do in every other part of our lives,
but financially unlearned a lot of the bs that we
were taught that holds us back from getting the sort

(01:04:13):
of lifestyle that we want and being able to live
the comfortable, financially free lifestyle that I'm sure all of
us are striving for. So I love conversations like this
one that go beyond just sort of the dollars and
cents and strategies in the literal sense as far as
investing or saving goes, but also the mindset work that

(01:04:34):
it takes to retrain your brain to believe that you
are someone who can obtain anything you want financially and
hit all of those financial goals and that the only
thing holding you back is yourself right. And I just man,
I can't stress that enough. I love that she talks
about like just demanding how much you believe you're worth,

(01:04:55):
how much you want to make, and how you have
to make that declaration for yourself, like demanding this isn't
amount of money I believe I can make that. You
know my threshold is, and you have to declare that
for yourself so you can clear the way to actually
get there.

Speaker 1 (01:05:11):
I just think there's so much in that her.

Speaker 3 (01:05:13):
Eminem's explanation of investing was amazing as well, so many
gems in there. Make sure you go check her out,
follow her if you want to work with her, I
would obviously highly suggest it. Just from that one hour conversation,
I felt like a shift in my own mindset. I
can imagine working with her on a regular basis so amazing,
amazing stuff Again, Brenda at mindevyong lord dot com. If

(01:05:34):
you want to be put on the just be social
club waiting list. This is something we are going to
be doing every single month, and once we open up
the second group, you'll be a part of these conversations consistently.
So I'm just really excited about that. And yeah, just
beat out and y see, if you want to pick
up my book, you want to pick up some merche.
We're doing a brand new drop. I don't want to

(01:05:57):
say that yet, but it's coming in a couple of weeks.
I'm really excited about that. We're gonna have some like
accessories for you to use for meditating, some free guided meditations,
some stuff for the home to kind of get you.

Speaker 1 (01:06:09):
Into your vibe to protect your piece.

Speaker 3 (01:06:12):
That's the theme for this new drop that we're doing
with the merch and the accessories and things like that
and overall the movement that we're creating for the summertime.

Speaker 1 (01:06:22):
So I'm really excited about that.

Speaker 3 (01:06:24):
At just be dot NYC on Instagram, I'm really trying
to build this brand out. This is supposed to be
like the wellness community for those who look like you
and I, So I'm really excited for that. And really, man,
I just feel like providing a voice that is so
needed and hasn't been seen yet, so I'm so excited
for it. I'm rambling because I'm genuinely just excited with

(01:06:45):
all that we're building out with that. So, man, I
hope you all be a part of this community that
we're building, those of you who are part of that
podcast taping and just be social club in general.

Speaker 1 (01:06:54):
I thank you so much for it, and I'm really
excited that you.

Speaker 3 (01:06:58):
Guys are putting forth that effort towards that, towards growth
and uh and better in yourself.

Speaker 1 (01:07:03):
And that's it. Man.

Speaker 3 (01:07:05):
On that note, I'll catch you on Thursday for our
Thursday Trends episode.

Speaker 1 (01:07:08):
So then stay safe and we'll talk soon. Peace.

Speaker 3 (01:07:14):
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