Be You. Get Paid.
Conversations with creators... who are having conversations that matter!
My guests are all examples of their work. They are successfully monetising their interests, knowledge, passions, expertise and experience through businesses and brands they’ve built themselves from scratch.
They also happen to be sharing valuable, relevant information and contributing to our collective progress as humans. My goal is to showcase the vast opportunity that exists for anyone listening, to do the same.
In many conversations, we discuss the role Bitcoin has to play in this brave new world - one that is being built on a system of meritocracy. A system designed to reward individual creativity and contribution.
***DISCLAIMER*** Any opinions expressed on this podcast are my own and the personal views of my respective guests. This content is for conversational, educational and entertainment purposes only and should not be taken as financial or investment advice.
Be You. Get Paid.
#020 Simple Investing for Building Wealth, w/ Tess Waresmith
"Wealth, to me, really means just having control over my time and spending time with people I care about. I thought I was gonna be travelling all over the world. For a long time I felt like I should be travelling, because that's what people that are successful creators do. Now that I'm here I don't really wanna do any of that. Like I like traveling, sure, but like what I really wanna do is nap, I wanna nap...!"
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Tess Waresmith is many things… including being a former competitive diver and Olympic style weightlifter. (She doesn’t do anything ‘half assed’…)
Our paths first crossed in 2012, working together on a cruise ship that was ironically named ‘Freedom’.
After transforming her financial landscape from a loss of $80k to a $1million net worth by the age of 35, Tess quit her corporate job to focus full time on helping women in their 30s and 40s, to take control of their finances via simple and efficient, diversified investing strategies.
Her signature coaching program “Money Confident” empowers women to ditch financial anxiety and set themselves up to retire comfortably.
👉🏼 Follow Tess on Instagram: https://www.instagram.com/wealthwithtess/
👉🏼 Check out her FREE Savvy Investor Starter Pack: https://www.moneyconfidentcoach.com/optin-609793071701031006129
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Wealth, to me really means just having control over my time and spending time with people I care about. I thought I was gonna be traveling all over the world. Right, like you and I both traveled a lot. We both worked on cruise ships and for a long time I felt like I should be traveling, because that's what people that are successful creators do. They're like cool and they travel and like that is some kind of-.
Speaker 2:I kept my laptop on the beach.
Speaker 1:Yeah, like I have my laptop, I'm like full-size with my laptop and now that I'm here I don't really wanna do any of that. Like I like traveling, sure, but like what I really wanna do is nap, I wanna nap. I actually did something really right by accident when I started my business, and so if you are a content creator and you're trying to think of how to, like, create an offer or monetize it, this will be helpful.
Speaker 2:So Hello again, amazing human being. Thank you, as always, for being here for another episode of the BU Get Paid podcast, or, if this is your first episode, welcome. Great to have you here. I hope you find value in what you're about to hear and potentially in some other episodes, if my dulcet tones are bearable and you enjoy what you hear. That is all I'm here for is to help one person at a time get to know themselves better, get to know money better and hopefully be inspired to take control of their lives by creating a new one, if that makes any sense. If it doesn't, head over to my website or check out the show notes in the description of this podcast and you'll hopefully have a better idea of what I'm trying to achieve with this one. But without further ado, episode 20 is bringing you the lovely Tess Weismith.
Speaker 2:Now, tess is many things, including being a former competitive diver not the scuba type with the tanks on your back, the type that likes to throw themselves off of boards at great heights over a swimming pool that kind of diver. She's also been an Olympic style weightlifter she doesn't do anything half-assed, as I'd like to say and our paths first crossed in 2012, just over 11 years ago, working together on a cruise ship that was, ironically, named Freedom, and after transforming her financial landscape, tess went from a loss of $80,000 to a $1 million net worth by the age of 35. And she recently quit her corporate job to focus full-time on helping women in their 30s and 40s do the same to take control of their finances via simple and efficient we like efficient work, smart, not hard diversified investing strategies. Her signature coaching program, money Confident, empowers women to ditch financial that's a mouthful, isn't it? Financial anxiety and set themselves up to retire comfortably.
Speaker 2:Now there is a moral of the story of this episode, and that is that if these two slightly questionable individuals that's myself and Tess can go from what you see on my Instagram feed and I do share my screen in the podcast, but if you're not watching this on YouTube and you're listening head over to my Instagram at, amy Taylor says, look up the episode with Tess's face on it and swipe through the bio slides that I've got there and you'll see what I mean. Because if these two slightly questionable individuals can go from that to designing their own versions of freedom by building wealth through online business and investing, then I honestly believe that anyone can. Side note if you are doing Christmas this year on the high seas, remember safety first. You are welcome Again. Just head over to Instagram. If that doesn't make sense, hopefully it will soon, but without further ado, here is myself interviewing the very lovely Tess Weismith. Tess Weismith, welcome to the BU Get Pay podcast.
Speaker 2:Ah, thank you so much for having me.
Speaker 1:I'm so excited. Sorry, I had to interrupt you already. I'm so excited to be here.
Speaker 2:That's all right. Finally, we make this happen. It's been just over a year since we tried the first time and, due to various events in both our lives and just time and craziness, here we are Now. Can I share my screen? Because I have to. This is just the easiest way to. Here we go. I don't know if I can do this on video and if you're listening and I haven't edited this out because I've been lazy just go to my Instagram and swipe through the episode with Tess's face on it, because where is it? Window? Here we go. There she is. This is how we met.
Speaker 1:Is it up yet.
Speaker 2:Oh, come on. Come on screen loading. I love this technology for anyone who actually does want to start something online, Doesn't matter how long you've been doing it. Here we go. There she is. This is one of my favorite photos of all time. Now, if you have been on a cruise or plan to go on a cruise at any point, please don't let this put you off. I'm pretty sure the rules have become a lot more strict about how the crew conduct themselves, but Tess and I met on I don't know. I think it was freedom, what it doesn't matter.
Speaker 1:We shouldn't really put the name of the company, but we met it was freedom and you were a shopping guide.
Speaker 2:Is that right? What are you doing? Shopping guide?
Speaker 1:Yes, yes, I was guiding people to buy diamonds To spend money. To spend money. It's like the exact opposite of what I do now as a financial coach. Now I help people learn how to grow their money and spend money responsibly. Back then I was trying to convince people to buy diamonds on their cruise vacation as the ultimate cruise momento, which now, in hindsight, makes me want to vomit a little bit, but it was a good job. I learned a lot about sales. I learned that I don't like diamonds and, yeah, learned a lot.
Speaker 2:Oh, I love this. This is so great and this is why I'm not preparing for episodes. I mean, you're a friend, so it's a bit easier. But yes, I am going to leave that there for a bit. And I was working as an assistant in the or the assistant to the cruise director, which is basically the PA to the entertainment division, and we didn't share an office but you'd be in and out for various reasons and we kind of just hit it off. But prior to that role, you were throwing yourself off diving boards, also on cruise ships, which to me is just mental. Like why would you do that on a moving vessel? But you did because you're a legend. Like tell us about that.
Speaker 1:Yes, yeah, you know what's funny? I was just talking about that with my boyfriend yesterday because I back then had been doing springboard and platform diving. That was my main sport. I did that growing up. I did it through university and never thought I would make any money doing it. And then the cruise ship needed divers and at that time in the States we were going through massive recession because of the subprime mortgage crisis. This is like 2008. So after getting my uni degree in.
Speaker 2:I'm just going to stop sharing my screen because it's a bit I'm sorry, it's a bit distra-. You're now talking about serious life story stuff, so I'll stop sharing.
Speaker 1:Sorry, after you. After working so hard for my degree, I couldn't find a job. So I ended up as basically a circus performer on cruise ships and that was my first real job. So that was the job I did Literally joined the circus, literally joined the circus. And then I tried to leave cruise ships and ended up hocking diamonds to people on and off the cruise ship. And those were my first two jobs as an adult. So weird start.
Speaker 2:Yeah, so hopefully there's not a huge amount of people that relate to that story because they've had real jobs, but I still think we probably both learn a hell of a lot from that. Like you got to, you essentially got paid to travel, which, for the most part, was great. I now shudder at the fact that we got paid in cash, like payday was, which is this is relevant to what we're going to be talking about with you, but I think about it now as particularly as a bit coiner and knowing what cash means, which is not a lot. You know, you got paid on payday by standing in a queue and everybody just got handed an envelope full of cash, which makes me think a couple of things. It's like are they dodgy? Or is it just because the US dollar was this internationally recognized currency that everybody wanted, no matter where we went, which is true, and travel definitely woke me up to that and became a more relevant lesson the more I learned about Bitcoin and it was funny.
Speaker 1:I forgot about that until you just brought it up. And now I'm remembering that I went home one time and I told my stepdad about this and he was a sharp guy, he was like a college professor, economics. And I told him about that and he was like hold on, you get paid and envelopes of cash.
Speaker 1:And I was like, yeah, he's like, how much money laundering do you think they're doing on the cruise ship? And I hadn't even done on me. It was my first job out of college so I was like, oh, maybe this is how people get paid sometimes. I totally forgot about that. You were so, so fricking douchy.
Speaker 2:I know, but the other thing and this is not to be morbid and not to put ideas in people's head, because there's bad people are probably, in a lot of ways, much slayer and smarter than me it makes it a huge target. I don't want to think about that, but when you think about some of the horrible things in the world, it's just like, oh god, so it was a fun time, but it's in the past and I left the ships in 2013. It went 10 years ago. That was pretty much the same six-month period that I left ships. I had a very disastrous season working on super yachts, as I was nowhere near as much fun, and then I got started online, which I did for 18 months around my job. So you at that point, 2013, where were you? Where have we been since? So?
Speaker 1:yeah, I left ships just before you. I think I left in 2012. Ok, or maybe around the same time. And then I ended up working for a marketing agency or sorry, an event company that did color runs. That was a big thing.
Speaker 1:10 years ago 5K runs where they threw color at you and charged you an exorbitant amount of money to do a 5K. Yeah, so I did marketing for an event company that put on color runs and mud runs and those themed kind of 5Ks. That was a big thing for a while and around that time I started investing in real estate as well. So me and my boyfriend at the time, phil, I think you know, I think you might- have known I did.
Speaker 2:Oh, yes, I do. I remember Phil the sports guy. Who's the sports guy? The sports guy, yeah.
Speaker 1:So I actually I'm very grateful to him because we flew down to Florida.
Speaker 1:We were living in Utah and we flew down to Florida and just bought properties.
Speaker 1:He had already invested in real estate and I bought a single family house in Tampa and that was my first major real estate investment that I made and I made all the mistakes and I learned a ton from that. But I'm really grateful for that because that's kind of what got me into understanding how to invest in the stock market, realizing that I was losing a lot of money by giving my money to somebody else and having them manage it for me A financial advisor, a fiduciary, which is in the US a legal person that is legally obligated to act in your best interest. And so I'm very grateful to Phil the sports guy, because if he hadn't have gotten me into real estate, I wouldn't have had a bigger interest in investing and managing my own money and I wouldn't have realized that I was losing a lot of money by hiring a professional to do it for me, just in the exorbitant amount of fees I was paying. So that was kind of actually the origin story of my investing starts there.
Speaker 2:Yeah, ok, that's would have been. My next question is where did it all start? Because so fast forward to what you're doing now. What do you? What's your elevator pitch or your sort of summary of what you do right now? And congratulations on recently leaving your job.
Speaker 1:Thank, you Very big milestone.
Speaker 2:It's amazing. I've spoken to three or four people recently and they've just recently left, so it's really cool. Yeah, but you just to put that into perspective, because a lot of people that intentionally start something with the desire to get out of their job. I've never had the impression that you hated your job or you had this nine to five that you couldn't stand Like. You've always spoken quite highly of it and I regularly see you on social media saying to people like, if you don't hate your job, it's the best thing you can have. Is that stability and just be consistent with investing right.
Speaker 1:Yeah, absolutely so. Thank you. First of all, I'm very excited to have the opportunity to run my own business, but you're absolutely right, I'm very wary of any narrative that's super polarizing or says this is the right way, entrepreneurship or an online business is the right way. Working for a company is the right way. I actually really liked the company I worked for and I learned a lot and I was lucky enough to work with great people, and I will say that I took a pretty big pay cut when I originally started working for the last marketing agency I worked for because they were good humans and because there was opportunity for me to grow, and that was a really smart choice at the time. So I'm one of the lucky people that actually really liked my corporate job and I had just started a couple of years ago as a grief project after my stepdad died, I started a financial education business, really just by posting content online. I wasn't planning to turn it into a business, but it was a topic I was passionate about after having that negative experience with a financial advisor and feeling pretty passionate about the fact that I wanted as many people as possible, especially women, to understand the basics of investing and to advocate for themselves and to make sure they were getting paid fairly, and so that turned into a financial education business. So now I help mostly women in their 30s and 40s learn how to grow their money using super simple investing strategies anyone can do, even if you're totally new to stock market investing, even if you are super short on time, and what I love about what I do is that it's not actually that hard. Financial, personal finance and financial literacy is something that is desperately needed, and more digestible information is desperately needed, and so when I realized that it's not as hard as we've all been led to believe, because there's just so much darkened out there I felt morally obligated to start sharing that information. So, to bring this full circle, yeah, I didn't hate my job, and I don't think, if you like your job, I don't think that's a terrible way to make money, and it can be an excellent way to make money. Put money away for retirement to eventually get more time freedom in your life.
Speaker 1:I just happened to start this business that I'm pretty passionate about, and then it sort of was a natural conclusion of my job, and so I've now pivoted and I'm doing this full time, but I definitely don't think there's one right way to do it. What I will say is that I strongly believe that if you are interested in doing something, you should start it while you're still working. Like I'm not bought into the just like quit your job and start a business? Yeah, and I say that a lot. I had a lot of people tell me that when I was first starting my business and a year in or so when I started to get some traction, people would be like you should quit your job and work on your business, and one of the smartest things I did was not that because one it gave me more flexibility and freedom to learn and create my business on my own pace. It also forced me to be really efficient with my time because I was working full time, so I didn't have that much time to mess around.
Speaker 1:And I left at a time when I was in a great financial place and a natural exit and it just felt right. So yeah, even though I just left my job and I'm very excited to be working for myself and it feels great I'm not necessarily an advocate of the whole just like uproot your life and start a business if you're not in a mental or financial place to do so.
Speaker 2:I've met a lot of people that would agree with you in hindsight, and it's tough when you learn the hard way. But again, I think if you fundamentally believe that is your path, sometimes you need to do that to realize how to do it right. And, excuse me, no matter what way you do it, it's not gonna be linear. So whilst we're still on that topic, then how long have you been out of the job? When did you leave?
Speaker 1:So it's been about two months at the time of this recording, so end of September is when I left.
Speaker 2:Okay, and what are the biggest shifts that you may be having to adjust to? That you weren't expecting, maybe.
Speaker 1:Yeah, it's a good question. So one thing I'll say is I'm still doing some consulting for the company I worked for, so I haven't totally separated from them and so I am still juggling a little bit as far as context switching between my business and working for this marketing agency. But what I'll say is that I had been there for so long that, whether I realized it or not, I think a big part of my identity and my purpose was wrapped up in that job and I didn't really realize how much until I left and also how good it was for me to leave, even though it was a good company, even though I was pretty comfortable. When I left, I actually sort of fired myself, and the way this happened was I was asked to restructure a portion of the company. I kind of was looking at my department and these other departments, realized my department didn't make any sense anymore and sort of redistributed my own department and pitched it to the CEO and said I think you should restructure the business. And he said what did he say?
Speaker 1:He was like well, first he was like that makes a lot of sense. And I said, yeah, and he was like, wait, what about your job? And I said I don't think it exists in this more efficient structure. And so we went back and forth for a while. He offered me some other opportunities and I thought about it and they were good, but it just wasn't the right thing for me anymore. It was too comfortable. I was gonna end up doing the same thing that I had done before and owning pieces of the business that I had owned in the past.
Speaker 1:And when I left, I thought I would be honestly, I thought I would be more sad and more emotional about it because I was so used to being there and I had worked with these people for I was there for almost eight years it was a long time and I feel one so validated that it was the right decision because I would be totally complacent, totally comfortable doing the same old shit and not feeling like I was growing, which is super important to me.
Speaker 1:And, yeah, I realized how much energy I was putting towards that business that I can now redirect to my own projects and my own life and different types of relationships. So I gave a lot more to that company than just nine to five. And I realized that now and I don't know if that's necessarily avoidable if you work for a company for a really long time, you just get wrapped up just like anything else. If you spent a lot of time in something with people, you kind of just get wrapped up into that world. And so I would say that, as wonderful as that company was and as grateful as I am for that experience, I'm very glad I left because it has created space for a lot of new ideas and people and growth that I wasn't expecting that in quite such a drastic way.
Speaker 2:What an awesome answer, and this is what I'm trying to get across to people with creators of which you are, doesn't matter how you go about it, but you've monetized something to the point that it has replaced your income or will do you have the faith in it because you're in a position to do so. But there is especially from younger crowds, and that's fine. That's a different crowd. I'm trying to talk to people in the 30s and 40s bracket and I just think there's so much fear around giving up the paycheck. But that's it. That's really, if you really drill down and I do this with coaching all the time with people is like, what are you most afraid of? And it's the money, it's the running out of money, it's not being able to replace it, even though they could probably get another job. So long as you don't subscribe to the narratives out there that you know there's no jobs, that there's jobs, you just need people to take them, but also just that there's a healthy way of doing it. But the complacency thing is huge. I was exactly the same and I don't think you realize. I mean, you're huge on fitness, you're super fit. You were doing weightlifting competitively, weren't you? Or bodybuilding, yeah, so super fit and healthy and I mean I was healthy enough. I jimmed and stuff.
Speaker 2:But when I left my job, it was August 2015, with the intention of going redirect all that energy immediately, I was exhausted and I took about three months off. And I was just going over an old YouTube channel the other day and looking at Myself going you look wrecked and I didn't feel awful. I was the same. I love the people I work with. I work for a really good company. It was a company I would always be able to go back to or get jobs in other places if I needed it. Thankfully, I haven't needed to touch wood, but I it shocks me sometimes to think, like even it's that comfort, right, other things were suffering that I was so unaware of, and just it just dampens down. You do, you just become the cog in the wheel and it, if it's not toxic enough, there's not enough motivation to get out of it. But if it's not, if it's not good enough, but it pays the bills, it, it's exactly that. It's that comfort, complacency that you don't grow from and I speak to so many people in that place.
Speaker 1:Yeah, I think you hit on. Something really important is that I kind of I have mixed. There are some environments that are just straight up toxic, you know, that are just bad, right. And then there's other environments that can become toxic, depending on where you are in your life and their relationship that you have with your business or with your job or or whatever it is. Just because it's not, you're not, you know, dealing with negative people or Mean people or whatever it is, or toxic people, doesn't mean that the situation itself is not toxic for you, and those are different things, right. And so I think People will say you know, oh, this is a, this is a great company, but if you, for example, outgrown the company or learned all you can, or there's not a seat, that's a good spot for you, but you're so ingrained in the culture that you don't leave, and I know people like this and good companies that are just kind of stuck there.
Speaker 1:That's a toxic situation for you, even if it's not necessarily a toxic Culture holistically like that. It's just like any relationship, right Like two good people can be in a toxic relationship, right oh?
Speaker 2:That's a kind of one we weren't open right now.
Speaker 1:But yeah. So I think that that is that is so important. And when you do start to be Energized by something else in your life, that's when you really need to listen. And if you're wrapped up in in an environment and it's so much of who you are and an extension of you, then you miss those signals and and that's what I get afraid of when people get stuck- and that can be.
Speaker 2:I think for a lot of people it's work, because it's where people spend the most time. But you're right, it can be. It can be the relationship you're in and therefore work is the escape. So now you're ignoring two things that are toxic in your life. You're ignoring the toxic relationship you're in, but you're also using work as an escape from that and not realizing that perhaps work is also a toxic situation for you, even if it's not a toxic environment. Right, and this is where I think a lot of people get to.
Speaker 2:It's not until every area of their life has got to a one out of ten when they go shit, I need to do something or their health will suffer. Then, well, that feels to me like the final straw. I'm like one thing or more. It's either one thing gets really, really bad, that it's life threatening or relationship, it's divorce threatening or something so awful is looming, and if none of that happens, it kind of all just slowly comes down until someone wakes up one day and goes life's not worth living, and men especially. I've spoken to a lot recently where that's. That's a very sad reality. So I think that self-awareness piece is key. Are there any lessons? I just occurred to me as we were saying it before, about your health Interests and your competitive weightlifting, all that stuff. What kind of mindset lessons would you say are really important that you see or that you apply yourself Across how you approach your health and how you approach your business, because that's usually a really enlightening one for people.
Speaker 1:I've been thinking about this a lot lately because I used to be a competitive athlete and when I stopped, you know I was a diver and then I was a circus performer and then I competed at a national level in Olympic weightlifting and when I stopped all that a few years ago, I had a hard time adjusting and feeling like I was doing enough.
Speaker 1:And I, you know, I have very candidly open about the fact that I had eating disorders and you know it was very hard for me to go from like elite athlete doing all the things to just like a normal person.
Speaker 1:And what I realized through that is you can work out a couple times a week and be in great shape and you can grow a business Without working 80 hours a week, as long as you are consistent. And it's the same with growing your money, and so for me it sounds cliche, but the words I always come back to is consistently, like if you do Something consistently over a long creative time, you're gonna get better at it, you're gonna grow it, you're gonna be more fit, whatever it is that you're chasing, and I've met a lot of people in business that I'm so honestly a little surprised at how you know, successful. They were given maybe the fact that they didn't have background in the thing that they were doing, or they didn't have business savvy or experience. They just kept going like they didn't have any secret, massive, like you know, skill. They weren't amazing orders or marketing experts. They're just people that decided they wanted to do a thing and then they kept working at it for a long time.
Speaker 2:That's it so I don't know I think we we always over complicate.
Speaker 1:Like starting a business, you know how fast you get to where you want to go will kind of depend on your past. A lot of people Think that I, you know I'm I'm a good public speaker, I'm comfortable speaking on stages, I've done conferences, I've done a lot of podcasts and that's not for my business. That's from years of Presenting and attending other conferences and, yeah, hosting workshops and all this stuff in my other job that's a skill I already had. So I think we see people be really successful in business really quickly and we're like, oh, we're like behind or whatever. Those people probably had experience Doing pieces of what they're doing now in some other capacity or realm. So In all things, I really believe that if you really want something bad enough in the dream, if the dream is in you, it's for you and you just have to keep moving towards it In whatever way you can and sometimes that's gonna be stopping and taking a fucking nap. But, like, if you you're clear on what you want and you take steps towards it, you'll end up somewhere in the vicinity of where you want to go, maybe not all the way to where you wanted to be, but you'll end up in some decent vicinity. And it's the same with investing, it's the same with fitness, anything like that, just being consistent and and continuing to drive forward and knowing that I think you know.
Speaker 1:Another thing I'll say from from fitness is people always go. Oh, like I'm not as motivated as you. I wish I was as motivated to go to the gym and I'm like I am not motivated. This is not it. This is discipline. Yeah, this is just me wanting to stay in shape. But, like a lot of times I wake up and I'm like that doesn't sound like a good time, but I go anyway, because I have the end goal of being healthy.
Speaker 1:So I think, having a clear goal, knowing where you want to go and, at the end of the day, just being as as consistent as you can it sounds super cliche, but I think it's that. It's that simple. It's not easy but simple.
Speaker 2:Oh, it's not easy, but it's simple is everything I'm always telling people to like. There's there's an overload of information on how you can get to whatever goal you have, whether it's fitness or and social media is a blessing and a curse in that respect, because there's just so much noise. Who do you trust if you are gonna pay someone to help you get there quicker, which is essentially all coaching, consulting or courses online from other people are, and I I just have a very strong belief that this Self-education is is growing and growing and people are starting to see that. It's like you know, you've got no official financial qualifications because that's not what you're doing. You've got the autonomy to do it your way, and that is the beauty of the internet is that you absolutely can. But you, you nailed it. It's you've got to stop and think for yourself, like, what do I want? Okay, there's all these people out there offering to help me, but are they offering to help me get to where I want to go or how they've done it? Because you know I've spent.
Speaker 2:I've spent thousands of dollars, even just in the last year, on courses for myself and mentorship, and I've got more value on some occasion from a free YouTube video, youtube video or a $50 course than I have from paying someone eight grand who was a lot younger than me. But they had a system that I thought would work for me and within days I was going through this content like it was so poorly delivered because they were giving it all this on the front end. I'm trying to think why I've gone on this tangent, but I think I do know why, because I wasn't thinking well, hang on a minute, is this person? I was so overwhelmed with information and this is 10 years in right Into being in the online space I was so overwhelmed with the information that they were throwing at the system being, but the outcome wasn't what I wanted for me. I was like 15 years older than this guy. You know he's travelling the world and living in South America somewhere and has no responsibilities, and I don't know why I let that in, because I was and I've had to really let go of the guilt around that.
Speaker 2:Anyway, my point in saying it is that there's plenty of people out there, but are they living the way you want to live? And the reason I wanted to bring that up I've just remembered now is that you regularly post things like wealth to you is going hiking on a Tuesday or so what. Do you remember a point where you kind of a switch went off and you may have started buying real estate and I think you said your stepdad was quite a big influence? Do you remember a point where you kind of woke up one day and went wealth means this and what my version of that is and what my guiding North Star is before the business Like what does wealth mean to you?
Speaker 1:Yeah, so I would say that I've lived my life in sort of like three financial phases. The first one was fear. I grew up with a fear of money. My mother always said we didn't have enough money, and so my first interest in investing was making sure I didn't end up like my parents, like my biological dad, as no money. She married my stepdad, who turned out to be a good guy, but truly it was, you know, to help support her because she had kids, you know. So I grew up very afraid of not having enough money and knowing that I couldn't trust anyone to help me financially. So that was like the first phase. And then the second phase, once I started to have money, because I had this fear and I was, you know, hoarding all the money and not, you know, often not enjoying my life because I was so afraid of having enough money. The second one was realizing that there was a path for me, five to ten years down the road that gave me flexibility.
Speaker 1:Not necessarily like complete financial independence or the fire movement. You know financial independence. Retire early, where you work your ass off and you save every penny and you retire in your you know forties, and not necessarily that Just that. There was this opportunity for me to have more flexibility in my life, and so now I've reached that point. So now I'm like kind of on to phase three here, and what I'm realizing now is wealth to me really means just having control over my time and spending time with people I care about. I actually I thought I was going to be traveling all over the world, right, like you and I both traveled a lot.
Speaker 1:We both worked on cruise ships and for a long time, I felt like I should be traveling, because that's what people that are successful creators do. They're like cool and they travel. Like that is some kind of metric. Yeah, like I have my laptop, I'm like poolside with my laptop or like in this, like really cool cafe or whatever, overlooking a rice field and Bali, like whatever it is Right. And so I sort of felt like that's what I like, that should be my North Star. Like I, you know I like travel. I want to have my own business and have flexibility. That's what I'm going to do, and now that I'm here, I don't really want to do any of that. Like I like traveling, sure, but like what I really want to do is nap. I want to nap because I'm still like recovering from corporate, so I want to sleep more. Yeah, I would like to spend as much time in the mountains hiking and climbing as possible and I want to volunteer. I just started volunteering for this great organization called Elevate Youth and they they work with under resource kids in inner city Boston and take them on like rock climbing trips and hiking trips and, you know, foster a sense of leadership through the outdoors. I'm like that's awesome. I want to spend more time doing that.
Speaker 1:My, my rich life isn't like Lamborghinis and cars and like sure would I, like you know, a couple houses in a couple, a couple cool places, yeah, and I will have that because I'm doing doing well, because I'm, you know, invest and pay attention to my money. But but it looks way different than I thought. And that is one of the most dangerous things about social media these days is, I think, on one hand, you have an incredible opportunity to learn and follow inspiring people and if you use it that way, it can be life changing. But I I've talked to so many people that have said, oh well, this person has, you know, this car, this house or this kitchen or whatever. They're all in debt, they're not free, they don't have flexibility to quit their jobs. So you know, I live in a multifamily house, I drive a Subaru, I'm wearing pajama pants right now, like I don't look wealthy, but I'm a millionaire. You know I'm like no one would yes.
Speaker 1:Like oh, like that girl like has like no way, but I would rather have the assets and the freedom and the flexibility Like that's well, and then what that looks like is going to change. Like if I ever have kids, like I want to be able to spend time with them, you know. So wealth changed a lot for me. Like I thought it was this glamorous travel life and now I'm just like so grateful, like I wake up every day and I'm like I can't believe I have the option not to work a nine to five. Like I can't believe I have space to do this business with little concern. Like I just feel so lucky and I don't like I wouldn't say I have enough money to like live off and retire for the rest of my life. Like yeah.
Speaker 1:I'd have to live a pretty small life.
Speaker 2:But just difference between wealth and sorry, I cut you off, but that right now is.
Speaker 2:It's not the. I'm not either. I'm still building and growing things and you know it's, it's, it's a, it's a slow burn. It's like the whole get rich slow or get wealthy. I can't even bear the word rich anymore, because it's this association that people have and this is what I mean about the kind of guilt and shame I had around investing in education from this particular guy who was so much younger. And it's not because he was younger that I shouldn't have done it, because there's plenty of young people.
Speaker 2:I've just done a podcast with Luke Mckitch this morning, who's a guy in the Bitcoin space and he's phenomenal, but this it was the. I'd lost myself along the way, like I kind of do know what I want, but what's the quick hack that's going to get me there? And that's just psychology. That doesn't matter where you are, we're still human and can fall for. And you talk about the psychology of money a lot, that great book. So I guess we're kind of at the halfway point in the in the conversation where I would say, ok, so since we talked about the mindset of leaving a job, how has the business kind of evolved? So you started off just posting content was Instagram, I think is where you're most active, isn't it?
Speaker 2:Yeah, grow and evolve into a was it consulting courses Like how did you first start to monetize you?
Speaker 1:Yeah.
Speaker 1:So I like sharing this story because I actually did something really right by accident when I started my business, and so if you are a content creator and you're trying to think of how to like create an offer or monetize it, this will be helpful. So I got advice from somebody when I was first starting to say I want to put together some kind of educational program. That's the basics of what you need to know to invest in the stock market with confidence. You don't, you know, not like the expert day trading stuff, like basic stock market investing. That's super simple, that anyone can do. That's often more effective than day trading. This doesn't take a lot of time. Takes, you know, a couple weeks of intentional effort and you can learn a lot. And so what I did was after I had started posting some.
Speaker 1:I actually, you know I don't know if I started posting content before after I started, maybe it was about the same time but what I did was I sent out an email to close friends, some colleagues, people in my network, and I said you know, I have gone through some shit when it comes to investing. I was really screwed over by a financial advisor. I've learned a lot and I'd love to share more about what I learned, because this information is so important and it's life changing. Like learning how to invest on your own, you can save so much money, especially in the states where the financial advisor fees can often be outrageous. Like you can save hundreds of thousands of dollars over your lifetime. Learning how to invest on your own, like this is not small money. This is really important stuff that we should learn in school, but we don't. That's another topic. So we, so I sent out this email and I said I'm going to do one lesson a week for four weeks and teach you how to open up your own retirement accounts so you can save on taxes, and then simple ways to invest so that you can retire comfortably someday. That that's what I'm going to do.
Speaker 1:And I was really candid. I said I don't have like a suit. Here's like a rough outline, but we'll kind of see where the conversation goes. But my goal is, by the end of it, you know how to do this thing. And so I was like you know, it'll be 100 bucks and like 12 people signed up, which I was shocked, by the way, because I didn't I didn't really pitch, but what I, what I offered was valuable information. It was super cheap and I kind of brought them along the journey with me. So I also said, if you don't learn and this sucks, like I'll give you your money back because I my success is your success. Like this is not worth it to me if you're not learning. So this whole thing is very mission driven and it started that way. So I ended up doing that and it was awesome because I learned what my I was like changing slides during while I was talking, like as people were asking me questions, like I'd put together a rough outline of what I wanted to talk about.
Speaker 1:And then you know, as we went through, I recorded them all and it was great and everyone had a great time, learned a lot, and from that I got a lot of great things. I got one of video course that I ended up. My first product was those recordings that I put online and I sold them because they were good. It was good content. I didn't sell it for a lot because it wasn't like super cleaned up, but I was like, if you want to learn this thing, these videos will do that for you. And that was my first product, which was awesome because I didn't belabor perfect presentations, I just kind of threw it up there and that was a great way to get started. It gave me great testimonials and it helped me learn what my audience really needed, because what I outlined is not exactly what they needed once I went through the program. So that was how I started my business and it was probably the smartest thing I did, because it got me a product quickly to start generating money, which was not a lot of money, but like even when you're generating a little bit of money in the beginning, it's very encouraging. And then it also gave me so much information and it gave me some like fans of my business. That had been part of the creation and it was the beginning of my community and so that was one of the smarter things I did.
Speaker 1:So that was the original thing was that four week group and then I did an online course for a while and now actually I've kind of reverted back and because finance is such an emotional and psychological topic and so many people feel stupid that they don't know enough or feel behind and you know again, we don't get the education we need to be successful in this area. So now I do small group coaching that accompanies the online program that I have and that has been re-recorded. It's not the original live recording, but it's not that much different. It's better, it's higher quality, but the goal is the same. That ends it.
Speaker 1:I just am better at making sure that everyone walks away with exactly what transformation they needed, which is really to be confident in owning your own money and growing your money through super simple investing, and that's what I promise and that's what people get. So and it is cold, oh sorry, so it's called money confidence. So on Instagram, I'm wealth with tests. That's my Instagram handle in the name of my business, but this specific program is called money confident and I love that name. I almost changed it. That was like the original, first one I came up with.
Speaker 2:And no, it's perfect.
Speaker 1:I'm so glad I didn't, because that's exactly what it is.
Speaker 2:Yeah, it is and that's. I wasn't saying oh, go, go, I'm glad you're plugging it, but it was more the fact that everything you were saying my next question was going to be so what, what were the kind of outcomes from that first group and since that? You know, it's great that they're getting the outcome you promise, but outside of that, what are the kind of things that people say to you that you're like this is the meaning of life? This is what I meant to do, because you clearly are loving it, yeah, totally.
Speaker 1:So I love that you bring that up, because one thing that I tell people when they're asking about the program I say, look like you're going to learn this thing, this skill. You're going to learn how to grow your money and you're going to have more control over your money and be in the driver's seat to make sure that you can retire comfortably, chase whatever dream is in you, whatever it is yeah, but learning how to manage your money, which is a tool or resource to give you freedom, flexibility, options, impact, influence, all that stuff right, that is one of the most empowering things you can do. Like talk about self care, like learning how to manage your money, which is your tool and your ticket to designing a life you love, that is worth so much more than just the information itself. And so since then I have people message me and say, hey, I just want you to know that my ex left on short notice and it sucked, but I wasn't stressed about my money and I paid off on my credit card debt and now I've invested like 100 grand and I'm just like so grateful to know that, like I can do this on my own.
Speaker 1:Like that's some powerful shit, like it's still, like I hear people say that, or like people will say I thought I was bad at money this whole time and I thought I was stupid. And now, through this experience, I've learned that I'm not stupid. I was just lacking some knowledge. And now that I have that knowledge, I can go and do this thing and grow my money. And that's a lesson that you can apply to so many other things in life. So it's not just you know, being able to invest, it's the confidence to learn about a topic that is scary and overwhelming and confusing, and conquer it and then be like, wow, I have some options. Like if I stay on track, I can design a totally different life. I'm very honest about the fact that you don't take this course and like by the end of your millionaire, that's not how this works. You have to invest consistently over, you know, three, five, 10 years of intentional effort.
Speaker 1:But, from the time I decided that I wanted find a true financial flexibility to walk away from my job, and the time I became a millionaire was 10 years. That's not that long, right, like it feels long, but it's not that long. And I was, and I made a whole bunch of mistakes in the beginning. Like if you actually get an education and instead of doing it the way I did, which is like losing a lot of money through doing the wrong things, like find somebody that's already made those mistakes like me and I can help you avoid them, you can do it faster.
Speaker 2:So you know, I like the idea of a few intentional years that can really change everything versus you know, get rich quick stuff, that that doesn't make sense, but truly it is the overall feeling of power and confidence that that I love giving women and that's what I love the most about what I do and I'll come back to a lot of what you've said, but I'm glad you finished on that and circled back to it, Because the example that you gave of my ex just left at short notice and I'm not worried about money and I'm not stressed about money Can we also and I've been the new partner of someone whose ex was left in that position because zero empowerment around money. So what happens then? Oh well, now we'll just go to court and rip each other off. You know which? I'm not saying that's wrong, I'm not. And they have a child. So I'm not saying that when your ex or your partner leaves and you're left in a situation, especially if you have a child, that you should get nothing, but the system ain't going to do it fairly.
Speaker 2:So, and not only that. More importantly, what I'm really getting at is the level of stress and anger and all the emotions that come up, like money is an amplifier of the best and worst in human beings, Right? So my ex left. It was stressful. Therefore it got toxic. Why Money? However, your lady, my ex, left, I wasn't stressed. How much easier is that breakup going to be? It's important.
Speaker 1:It's so important I tell people this all the time because you know, as a as a financial coach, in my small group coaching program I do end up working with people in transition, people getting divorced separated leaving their job and I'm really happy to serve that community.
Speaker 1:But what I would love to see more of is, before you get to that point, taking control of your money, making sure that you're not handing it over to somebody else, whether that's an advisor or partner or whatever. And even if your partner's awesome, you don't know. Like you just don't know what could happen, Like something could happen to them. They could have a medical emergency, whatever it is. And so what I try to share, the message I try to share as much as possible is you don't want to wait until shit hits the fan.
Speaker 1:That is the worst time to learn about your money. You can do it and it's better than not learning at all and just throwing your hands in the air and saying I don't know how to do this. But if you can do that now, when those moments happen, you can properly grieve that relationship or that situation and you can be present in your emotion and manage you and not have to deal with this massive external stressor which is your money. Like I want people like you're going to go through hard stuff in life, Like it's going to happen. So prepare now so that you don't have to also layer on more complexity when you don't have your financial life together.
Speaker 2:Oh, my God, amen to all of that. It's exactly the same reason I say to people like tap into your creativity whilst, like you were saying, whilst you can do it from a place of exploration and joy and make money from it, by all means, but you just it's just so much healthier and that's what that. Going back to what we said before, the comfort and the complacency of having no real reason to the back against the wall situation. You see it all the time and it's just not nice and it doesn't work for people in the business space or trying to start something that is, other human beings can pick up on it. If you then start going out there producing content from this place, it's just so obvious, or at least, even if people can't describe what they're feeling, I've watched videos where I'm like I don't believe this for a minute, like I don't. This person doesn't seem secure in what they're offering. And the other thing as well that you were mentioning about just doing it consistently over five to 10 years with what you teach, with investing. It's not active, like it's it's.
Speaker 2:We have the technology now and one of my mentors, stuart, that I did an episode with a couple of episodes ago, like he. He was saying you know it E-Toro or these other platforms now that you can just put the whole thing on autopilot. Once you understand it, you're done Like stick the whole thing on autopilot, which is very similar to what I tell people about Bitcoin, which we'll get to in a sec, just before we wrap up. But you know that it is, it's so easy. Now, I mean, there'll be specific platforms that you recommend, I guess, that that make it easy. Just learn the basics and then it's something that you can put on autopilot for 10 years. It's not like starting a business. Investing is different. It's a habit, like you said before. So just quickly on that, talking about things that you recommend, would you say primarily, what you're teaching is suited to people based in the USA or is it relevant to global?
Speaker 1:Yeah, so some of it might be some of it might not.
Speaker 1:Yeah, so invest. The investing strategy itself that I teach is like you just said. It's autopilot, it's buy and hold. Depending on the country, there's different options, but the idea is to invest in funds that hold a lot of different stocks at once, so that you're not day trading, you're not buying one company and betting all your money on one thing. You're putting your eggs in different baskets, and so that can be done through consistent investing, figuring out how much money you can invest per month.
Speaker 1:Investing in funds that have a bunch of different stocks, so you're spreading your risk across a bunch of different industries, and there's super easy ways to do that, regardless of what country you're in.
Speaker 1:That is the most important concept itself, and that is literally something you can learn how to do in a matter of weeks. That does not take a lot of time. The main difference, the only difference as far as I'm concerned, in terms of how to approach your money, is, from a tax perspective and a retirement perspective, what accounts are available to you. So investing universal, invest in different funds that hold US international stocks, different types of industries, and that's easy to do. There's funds that have all these things in one fund. You can buy one fund and be invested in everything you need to be invested in the stock market. There's easy ways to do that. You can do that in any country, but what's different is the accounts, and that really is important because, especially in the US, that's how you save on taxes, and I don't actually know much about Australia, but I know that in Canada and the Commonwealth countries have better options than the US.
Speaker 2:Yeah, and it's like anything. If you're going to go by your program or a course or I've bought 100, you take what you need from each person you learn from. The fact is, tess knows her shit and has done it and has the result. So, listen, even if you're not in the US like it, and whilst we're on that, and then we'll get onto Bitcoin, because I know we've got to stop at the hour. You have a free guide, like tell people where to go to find you. That is best. Yes, and I'll make sure this goes out to my email list as well.
Speaker 1:Yes, so the best Just to start connecting with you, Absolutely so. The best thing that will be applicable to everyone except for one small section is a savvy investor starter pack and that you can get at moneyconfidentcoachcom slash savvy. We'll share the link as well. And that guide has some really valuable stuff, including questions about your money mindset, how to start to unpack what might be holding you back for making money. It has an entire video on the eight most common investing mistakes I see people make all the time and that is global. So if you do anything else, download the savvy investor starter pack and watch that video, because I made all those mistakes and it cost me thousands of dollars and I would like for that not to happen to you. So in that guide you'll see all kinds of stuff. There is one page about retirement accounts that is US specific, but the rest of it will be valuable. So that's the best place to kind of get started if you want next steps and want to connect with me.
Speaker 2:Great, we're not done, because, I mean, if I told you my position on Bitcoin, you'd probably think I was crazy. But let's start that conversation, because when we first tried to organize this chat, I said are you a Bitcoiner? And you said yes, and I think you were buying a little bit with, is it fidelity?
Speaker 1:I have Coinbase, yeah, and I have, which is like I know, it's like not a cool Bitcoin place, I think.
Speaker 2:I'm not going to give you advice on it either, but we'll keep going.
Speaker 1:Yeah, no, I have Ethereum. I have a few other like altcoins. I was investing like a small amount consistently for a while and I would say that, if you have my position on it is, I think it's very important to diversify, so I definitely think it's worth diversifying. It's just far more volatile than investing in a diversified portfolio in the stock market. So you just need to understand that the money you're allocating towards that is going to be all over the place and probably not money you want to rely on for, say, a down payment next year or something like that.
Speaker 2:Yeah, absolutely.
Speaker 1:Yeah, so that's how I feel about Bitcoin. I think it's a it's a fascinating topic. I am invested in some Bitcoin, but it's a much more important thing. But it's a much smaller percentage of my overall portfolio because that's a long term hold for me. I'm not using that money anytime soon. So I do think it's highly valuable to get educated and I don't know as much as I would like to, but I do think it's incredibly valuable. I think the technology itself is super interesting. So that's kind of where I'm at with Bitcoin.
Speaker 2:Okay, no, that's cool. I just I just wanted to touch on that first before we go down that rabbit hole just quickly. But so so, but did you buy some through Fidelity? Because since we had that conversation, I've learned that Fidelity in the States anyway, probably one of the more trustworthy, reliable sources because of their history and just the people behind it yeah, they're pretty, they're pretty solid. So are you still using them? Because I'm just thinking, if we have this conversation and people are like, oh, I would like to get a little bit, where's the best place to go if I'm in America?
Speaker 1:Yeah, so I actually still have my stuff in Coinbase, but Fidelity is a great option. I use Fidelity for my other retirement accounts, so I'm not invested in Bitcoin in Fidelity, but Fidelity in general is a great financial institution and a lot of clients I work with open retirement accounts and actually they are talking about I don't know if this has happened yet, but they're talking about being able to use retirement accounts like 401ks and using those to invest in some Bitcoin options. It's not widely available A lot of companies haven't adopted it yet but Fidelity is a common provider of 401ks, which is the most common employer sponsored retirement plan in the US, and so that is something that should be up and coming, so you can keep an eye out for that.
Speaker 2:Yeah, okay, cool. Well, the first thing I am going to tell you to do is to get your Bitcoin off of Coinbase, because Coinbase is what's called an exchange, so that's where you can go and buy it.
Speaker 1:Oh, it's in the wallet.
Speaker 2:It's in a wallet? Yeah, okay, but do you have control of that wallet or do Coinbase there's yeah.
Speaker 1:See, I don't know. I don't know, I have a lot of.
Speaker 2:This is good, this is perfect, this is exactly what I want, because we're going to work through it together.
Speaker 1:Yeah, so I'm downloading the strike app because I wanted to download that, because you want me to. But yeah, I have. I moved it to a wallet and I'm not totally sure what that means, but I knew that you were supposed to do that.
Speaker 2:Perfect. See, this is what more people need to be willing to tell me or investigate. So do you know what the name of that wallet was that you moved it to?
Speaker 1:I'm actually looking on my. I thought it was a Coinbase wallet, but it was separate. It's a different app. It's on your phone, Okay fine, it's not like a heart. No, it's not like the heart. Wallets Got it.
Speaker 2:I think what you're describing is so you can go to an exchange, a bit like you would go to a foreign currency exchange and swap your dollars for Bitcoin, or you would use to swap your dollars for euros if you were going traveling. So that's what you do online, and Coinbase is one of those not, in my opinion, one of the best because they sell other things as well, and I've, through the years, become more. I am now Bitcoin only because it's just. It helps me sleep at night and it enables me to invest in how you've described, which is just consistently on autopilot, sleep at night and focus on business.
Speaker 2:So the first thing I will say is to separate, and maybe some of your audience or members who might be further down the rabbit hole can take some value from this. It's Bitcoin and there's crypto. Bitcoin is money. The rest of crypto is highly volatile, high speculative tech investment, and it's not to say that it's all terrible. There might well be projects that work out, but the proof of work concept that sits behind Bitcoin makes it a new form of money and so go on.
Speaker 1:Yeah, no, I wanted to ask you. So, yeah, I always interchange Bitcoin and crypto, but yeah, crypto is the currency in itself. I'm invested in Bitcoin and Ethereum and then one other dodgy altcoin that's not doing polka dot or something, and I would love to actually understand from you. My understanding is that not a great plan. Long term investing in crypto Bitcoin is your best option and just do that. That's what I've heard, the only yeah.
Speaker 2:Well, because there's two conversations to be had and you are very much coming from the investment perspective and by far, if people have no exposure to Bitcoin whatsoever right now, I'd be concerned. But we did have a conversation off camera about how many people might be absorbing too much mainstream media fear and saying I've got piles of cash under my mattress. In that instance, you want to have Bitcoin for all the same reasons. And if you don't, if you haven't put at least 10 hours into reading about it and understanding it, that won't make sense. But the minute you do, that alone will make a lot of sense. Like, if you are Ukrainian and you need to get out, you can't really take all your cash with you. You can't pick up your house and take it with you. You can pick up your Bitcoin and it's 12 words in your head and it's impossible to say that and explain it all in one in one sentence. But, going back to the wallet conversation that you were saying, so you've got a wallet as a separate app. What that is, probably that you've, what the likelihood is that that is a what's called a custodial wallet, which means the balance of your Bitcoin that you can see is accessible by Coinbase Stop my hand in front of the camera A bit like a bank account, right, like you can see it, but you don't have full control over it, whereas, whereas a non custodial wallet is only accessible by you, from 12 words that becomes your seed phrase or your access key to your balance on the blockchain, so you don't have to record it anywhere If you can remember it in your head. That's obviously risky, but that's the difference between this decentralized technology that is backed by cryptography is that that's how it's accessed. So, even if you want to upsticks and move across borders into different countries, you've not got gold bars, you've not got piles of cash, and it serves that purpose incredibly well. So the difference is that is the custodial. So that's what I would say to you is get your balance from Coinbase into a wallet that's non custodial, that you access, and there's a couple of options.
Speaker 2:I don't think strike is one of them, but that's a different. Will do something in a sec. That's a different reason for having strike and the non custodial wallets. Really, the best option is cold storage, which is offline it's a device and that you and you use the device to access your balance. There's a lot of reading, as plenty of resources that I've been recommending, but people just need to start studying it whilst they're maybe buying a coffee's worth a week on autopilot. Amber is the company that I recommend to do it with you. You can now, as of this week, I think, do it with strike in the States especially. But what's much cooler is and if you tell me if you need to wrap up but I'll try and keep this brief, just to prove the point so Bitcoin has money.
Speaker 2:Let's have that conversation, and I don't know how often, or even in your course, if you ever ask the question what is money? Why do we have money? Why aren't we still bartering? And it's that when you start to understand those criteria, it starts to will make sense. So I'm sure it's something that will be of interest to you and your audience the more you learn about it. But just do it soon, because the world's just changing so quickly in that Armageddon that we were kind of jesting about off camera. You know you said what are people going to do, and I think you're absolutely right. It's like if the point comes where you do need the cash under your mattress, we're going to have far bigger problems anyway. So consider Bitcoin to solve that problem if that's a genuine fear for you. You've already told us where people can find you. I highly recommend everybody go and connect with you on Instagram. Any final thoughts you want to leave with people?
Speaker 1:Just the knowledge is power, and it's not as hard as you think to learn this stuff. You know, I've learned a lot about investing. There was a while ago when I knew more about Bitcoin. It's been a few years since I've read anything about it and now I'm going to go do a lot of that after this call. But but I think that just knowledge is power and usually your fear is a lack of knowledge. So if you're anxious about money, it's because you have a knowledge gap somewhere. And learn a little bit and that fear and anxiety will start to go away.
Speaker 2:Apply to anything health, relationships, money, business, anything. Your fear is a lack of knowledge. Is that what you said?
Speaker 1:Yeah.
Speaker 2:Love it. Can you put that in your tombstone Requests with you? Oh, I have it. What's going on?
Speaker 1:my tombstone, my tombstone is. The magic you're looking for is in the work you're avoiding.
Speaker 2:Alex Homozi, was it Homozi?
Speaker 1:Yeah, I don't know who that is, but I think it's great it's been on the internet everywhere recently. It's very good, the magic you're looking for is in the work you're avoiding.
Speaker 2:Love it. Thank you so much. So good to see you. Thank you so much for having me. You too, thank you. We'll talk soon. Sounds good.
Speaker 2:Hello, my friend, as someone who's not the best at finishing the things they start, thank you so much for making it to the end of this podcast. I hope you found it helpful. Maybe it piqued your curiosity on something new or even just made you smile for a few seconds. If any of those things apply here, then all my regular tech challenges and tantrums are well worth it to get this to you. If you heard anything at all that you think could help just even one other human being. There's a couple of things you can do that I would really and truly appreciate.
Speaker 2:Firstly, you can follow or subscribe wherever you're listening. On most podcast platforms, this is usually just a case of hitting a follow button or a plus sign on the main show page. This means you'll never miss an episode, which is hopefully a win-win for us both. Secondly, if you're feeling really generous, you can leave me a five-star rating or review wherever you're listening. And lastly, feel free to share an episode with a friend on social media. With any thoughts, feedback, suggestions or even criticism, it's OK, I can take it. Just tag me using the handle at Amy Taylor Says to make sure I see it and can thank you personally. Any or all of these things genuinely mean more human beings see and hear these conversations. So again, thank you for being here and helping me with my mission. With BU, get Paid to help as many people as possible, know themselves, know money and be happy. See you next time.
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