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<i>[SOOTHING MUSIC PLAYS]</i>

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<i>[AUDIENCE APPLAUDING]</i>

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<i>[PAULA] My name is Paula Pant,</i>

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<i>and I'm the founder of AffordAnything.com.</i>

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<i>We are here to help people</i>

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<i>save, earn more, invest, retire.</i>

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<i>The way that we manage our money
influences every aspect of our lives,</i>

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<i>and yet no one ever
formally teaches it to us.</i>

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<i>Because of that, people are missing out
on opportunities to make money.</i>

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<i>[ANNOUNCER] We have expert Ro$$ Mac
coming to the stage.</i>

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<i>For me,
it was always Black wealth matters.</i>

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<i>And the way I wanted to do that
was through information</i>

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<i>and educating the community.</i>

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{\an8}<i>Welcome to this week's episode
of Maconomics. I'm your host Ro$$ Mac.</i>

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<i>We are joined now
by financial expert Tiffany Aliche</i>

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<i>who is also
a New York Times best-selling author</i>

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<i>of Get Good with Money.</i>

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<i>I'm almost like the preschool teacher
of financial education.</i>

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<i>I really focus on the fundamentals.</i>

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<i>Budgeting, saving, credit, debt,
and learning to earn.</i>

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<i>These are the first steps
to what I call financial wholeness.</i>

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<i>[NEWSCASTER]</i> He's now become</i>
{\an8}a personal finance guru,</i>

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{\an8}<i>and not because he made millions,</i>

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{\an8}<i>but because he cut back
in some radical ways.</i>

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<i>On the Internet,
my name is Mr. Money Mustache,</i>

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<i>and 15 years ago, I had a dream</i>

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<i>and was able to retire
just before my 31st birthday.</i>

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<i>[AUDIENCE APPLAUDS]</i>

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<i>The thing about money is
it really is not very complicated,</i>

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<i>but what can you use it for
other than just buying more stuff?</i>

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<i>You can buy freedom with money,</i>

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<i>where you never have
to worry about money again,</i>

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<i>but that's not what
we're trained to do in this country.</i>

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<i>[ALARM BEEPING]</i>

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<i>["BILLS" BY LUNCHMONEY LEWIS PLAYS]</i>

36
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<i>♪ I got bills ♪</i>

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<i>♪ I gotta pay ♪</i>

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<i>♪ So I'ma gon' work, work
Work every day ♪</i>

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<i>♪ I got mouths ♪</i>

40
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<i>♪ I gotta feed ♪</i>

41
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<i>♪ So I'ma gon' make sure everybody eats ♪</i>

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<i>So everybody wants
to get better at money, right?</i>

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<i>Maybe your budget is out of whack.</i>

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<i>Your debt is mounting.
You don't know how to earn.</i>

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<i>This year, we're gonna try something
strange and different and hopefully fun.</i>

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{\an8}<i>[TIFFANY] I'm going to gift one of you</i>

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<i>one year of personal financial coaching.</i>

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<i>You'll win a year of financial
and investing coaching from yours truly.</i>

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<i>♪ I got bills ♪</i>

50
00:03:04,642 --> 00:03:06,311
<i>♪ I gotta pay ♪</i>

51
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<i>♪ So I'ma gon' work, work
Work every day ♪</i>

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<i>♪ I got mouths ♪</i>

53
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<i>♪ I gotta feed ♪</i>

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<i>♪ So I'ma gon' make sure everybody eats ♪</i>

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{\an8}<i>Now how do you enter
to work with me one-on-one?</i>

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<i>I want you to create a video,
and in that video,</i>

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<i>I want you to share who you are,
what you need help with.</i>

58
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<i>I'm looking to get some financial help
because we're trying to start a family.</i>

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<i>Hopefully, by the end of the year...</i>

60
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<i>I've got a little money in savings,</i>

61
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<i>and I'd love to learn some ways
to have it do more...</i>

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{\an8}<i>I've never put a budget together.
I don't even know where to start.</i>

63
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<i>I just have no idea
how much I should be paying,</i>

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<i>how much I should be saving...</i>

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<i>$30,000 of student loan debt,
which I may pay off in my 50s or 60s...</i>

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{\an8}<i>How do you get ahead
without taking out loans...</i>

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{\an8}<i>Honestly I have no idea what we're doing
when it comes to retirement.</i>

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{\an8}<i>I am definitely
in a paycheck-to-paycheck cycle...</i>

69
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<i>I currently have minimal funds
in my bank account...</i>

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<i>I never had that financial education...</i>

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<i>Are we investing in the right areas...</i>

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<i>I definitely need help managing my money...</i>

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<i>- I really appreciate your help...
- Could really use your help...</i>

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<i>- [WOMAN] ...help.
- [MAN] I need help.</i>

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<i>["BILLS" BY LUNCHMONEY LEWIS ENDS]</i>

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<i>Hi, I'm Kim and this is John.</i>

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<i>We are earning a lot for the first time.</i>

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{\an8}<i>Uh, we're also spending a lot
and want to know what to do</i>

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{\an8}<i>with that money.</i>

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{\an8}<i>Uh, whether that's early retirement,
or even what the options are.</i>

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<i>Kim and John are
kind of the perfect candidates</i>

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<i>for financial freedom
and early retirement.</i>

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<i>That just means you have
more free time, more mental health,</i>

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<i>more time to spend with your kids.</i>

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{\an8}<i>Hi, I'm Ariana.</i>

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{\an8}<i>I am an emotional spender.</i>

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{\an8}<i>I am currently buried
in a mountain of debt.</i>

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<i>I am super, super, super excited
about meeting Ariana.</i>

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<i>Teaching women how to gain confidence</i>

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<i>about their money is kind of my jam.</i>

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{\an8}<i>My name's Teez. I got a big payday.</i>

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{\an8}<i>A lot of money sitting in the bank.</i>

93
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{\an8}<i>I know I should invest it,
but I don't know where to start.</i>

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{\an8}<i>Teez, I would look at him and say he's
the epitome of a normal athlete, right?</i>

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<i>You come from the inner city,</i>

96
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<i>then you're thrust into
making a lot of money.</i>

97
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<i>He doesn't necessarily know
what to do with it.</i>

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{\an8}<i>Hi there. Um, I'm Lindsey.
I've been living paycheck to paycheck.</i>

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{\an8}<i>I have two jobs,</i>

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{\an8}<i>but I still haven't been able
to save up any money,</i>

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{\an8}<i>and I'm trying to break out of this cycle.</i>

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{\an8}<i>Lindsey doesn't realize it,
but she has so much going for her.</i>

103
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<i>And so if she wants
to launch a new career,</i>

104
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<i>this is absolutely
the best time in her life</i>

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<i>for her to be able to take those risks.</i>

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<i>[UPBEAT MUSIC ENDS]</i>

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<i>[MELLOW MUSIC PLAYS]</i>

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<i>[LINDSEY] When I was in high school,
I knew exactly what I wanted to do.</i>

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<i>I was like, "Yes,
this is what's gonna happen."</i>

110
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<i>Go to college, go to fashion school,
get an internship, get a job,</i>

111
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<i>and by the age of 35,
be a name-brand designer.</i>

112
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<i>One day, I begged my mom
for a sewing machine.</i>

113
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<i>I wanted to make my ideas come to life.</i>

114
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<i>Then we started looking
at fashion schools for me to apply to.</i>

115
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<i>That's where I really learned
to hone my skills.</i>

116
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<i>I will say I never completed school,</i>

117
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<i>but I at least learned the basics.</i>

118
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<i>So, I had this plan,</i>

119
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<i>but things change.</i>

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<i>Hi. How are y'all doing today?</i>

121
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<i>- Good. How are you?
- Good.</i>

122
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<i>- We have a keg of beer so far.
- [MAN] Watermelon...</i>

123
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<i>Watermelon, hell yeah.</i>

124
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<i>I have two jobs right now.
I am a waitress at a beer garden,</i>

125
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<i>and I am also a bartender at a brewery.</i>

126
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<i>I have you at $7.00 today.</i>

127
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<i>Two jobs, 50 hours a week.</i>

128
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<i>- Y'all doing okay? Lovely.
- [WOMAN] Yes, thank you.</i>

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<i>[LINDSEY] I don't really have
a lot of time to be me.</i>

130
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<i>Here you go.</i>

131
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<i>Because it's all about
making that money just to survive.</i>

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<i>[UPBEAT MUSIC PLAYS]</i>

133
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<i>[DINGS]</i>

134
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<i>I've got y'all's beer ready.
Sorry about the wait.</i>

135
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{\an8}<i>When I get my paychecks,
the first thing I do is pay my bills.</i>

136
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{\an8}<i>But, when you're waitressing,
you don't know how much you're gonna make.</i>

137
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{\an8}<i>I have not been able to pay all my bills
for about 14 months now.</i>

138
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{\an8}<i>My biggest issue is not just
that it doesn't pay more money,</i>

139
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<i>but I wish I could have health insurance.</i>

140
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<i>[MELLOW MUSIC PLAYS]</i>

141
00:08:02,815 --> 00:08:05,651
<i>I struggle with depression and anxiety,</i>

142
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<i>and I would like to take medication for it</i>

143
00:08:09,572 --> 00:08:12,158
<i>because I know that it would help me.</i>

144
00:08:13,284 --> 00:08:15,369
<i>However, I can't afford that.</i>

145
00:08:19,499 --> 00:08:23,878
<i>The amount of money I make
definitely eats at me inside.</i>

146
00:08:24,629 --> 00:08:28,007
<i>How I strive to be this image</i>

147
00:08:28,090 --> 00:08:32,094
<i>that I grew up to believe was successful.</i>

148
00:08:32,929 --> 00:08:36,140
<i>I just don't feel like
where I'm supposed to be</i>

149
00:08:36,224 --> 00:08:37,725
<i>at this point in my life.</i>

150
00:08:42,271 --> 00:08:47,568
<i>I feel like I am putting in a lot of work
and a lot of labor and a lot of hours,</i>

151
00:08:47,652 --> 00:08:50,404
<i>and there's only so much
that I can put in,</i>

152
00:08:50,488 --> 00:08:53,783
<i>but I don't want to be living
paycheck to paycheck anymore.</i>

153
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<i>[PAULA] Hey, Instagram.</i>

154
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{\an8}<i>Today, we're talking about reimagining
the way we earn money.</i>

155
00:09:01,207 --> 00:09:04,085
<i>So that's exactly what I did
when I ditched my nine-to-five</i>

156
00:09:04,168 --> 00:09:05,920
<i>and built an online business.</i>

157
00:09:06,003 --> 00:09:09,840
<i>And I want to help you find
a sustainable way to make money.</i>

158
00:09:09,924 --> 00:09:14,178
<i>A way that matches your talents
and sparks your passion.</i>

159
00:09:16,430 --> 00:09:18,057
<i>So, tell me about you.</i>

160
00:09:18,140 --> 00:09:20,935
<i>Well, I am a waitress,
and I am a bartender,</i>

161
00:09:21,018 --> 00:09:23,980
<i>but my ultimate dream is
to do something with art.</i>

162
00:09:24,063 --> 00:09:26,691
<i>- Lindsey, how old are you?
- I am 27 years old.</i>

163
00:09:26,774 --> 00:09:28,067
<i>- [PAULA] Twenty-seven. Okay.
- Yes.</i>

164
00:09:28,150 --> 00:09:30,403
<i>So, I'll tell you
about myself in my twenties.</i>

165
00:09:30,486 --> 00:09:32,321
<i>When I graduated from college,</i>

166
00:09:32,405 --> 00:09:36,492
<i>I got a job as a newspaper reporter
and I made $21,000 a year.</i>

167
00:09:36,576 --> 00:09:39,036
<i>That's the equivalent
of making $11.50 an hour.</i>

168
00:09:39,620 --> 00:09:43,791
<i>I was always really frugal,
but I kept trying to save money.</i>

169
00:09:43,874 --> 00:09:46,377
<i>- To improve my financial situation.
- Right.</i>

170
00:09:46,460 --> 00:09:47,753
<i>So in spending,</i>

171
00:09:47,837 --> 00:09:50,298
<i>the average American spends
the majority of their money</i>

172
00:09:50,381 --> 00:09:52,842
<i>on the big three.
Housing, transportation, food.</i>

173
00:09:53,426 --> 00:09:55,928
<i>If you cut back on those three things,</i>

174
00:09:56,012 --> 00:09:58,389
<i>that's where you're going to get
the biggest savings.</i>

175
00:09:59,390 --> 00:10:01,559
<i>Downsizing your house or apartment,</i>

176
00:10:01,642 --> 00:10:05,396
<i>taking on a roommate,
renting out a room on Airbnb,</i>

177
00:10:05,479 --> 00:10:09,150
<i>those are ways you can
significantly reduce your housing costs.</i>

178
00:10:09,233 --> 00:10:10,234
<i>[LINDSEY] Okay.</i>

179
00:10:10,318 --> 00:10:13,487
<i>[PAULA] And you live someplace
where a car is necessary,</i>

180
00:10:13,571 --> 00:10:15,656
<i>go for the cheapest option</i>

181
00:10:15,740 --> 00:10:18,576
<i>that will safely get you
from point A to point B.</i>

182
00:10:19,410 --> 00:10:21,829
<i>Nothing fancy, just utilitarian.</i>

183
00:10:21,912 --> 00:10:25,833
<i>Wonderful. All right, so tell me more
about, like, your food habits, generally.</i>

184
00:10:25,916 --> 00:10:31,088
<i>I would say a majority of what we spend
our food money on is take-out.</i>

185
00:10:31,172 --> 00:10:33,549
<i>- That's one thing I want to stop doing.
- Hmm.</i>

186
00:10:34,383 --> 00:10:38,262
<i>[LINDSEY] My fiancé and I are both
in the service industry.</i>

187
00:10:38,346 --> 00:10:40,473
<i>We've been around a kitchen all day.</i>

188
00:10:40,556 --> 00:10:42,725
<i>The last thing we wanna do is</i>

189
00:10:42,808 --> 00:10:45,227
<i>spend an hour cooking.</i>

190
00:10:45,311 --> 00:10:47,396
<i>[PAULA] First of all,
restaurant food is more expensive</i>

191
00:10:47,480 --> 00:10:48,773
<i>than food that you make yourself.</i>

192
00:10:48,856 --> 00:10:53,194
<i>- [LINDSEY] Oh, absolutely.
- [PAULA] Then there's delivery charges.</i>

193
00:10:53,277 --> 00:10:56,447
<i>And you're in the service industry,
so I'm sure you're a good tipper,</i>

194
00:10:57,156 --> 00:11:00,117
<i>which is great, but like, that adds up.</i>

195
00:11:00,201 --> 00:11:01,077
<i>[LINDSEY] It does.</i>

196
00:11:02,453 --> 00:11:05,706
<i>[PAULA] So instead of getting take-out,
start meal prepping.</i>

197
00:11:05,790 --> 00:11:07,541
<i>Go to the grocery store once a week.</i>

198
00:11:07,625 --> 00:11:11,045
<i>Do a big batch run
of pre-cooked meals for the whole week.</i>

199
00:11:11,128 --> 00:11:12,046
<i>Fantastic.</i>

200
00:11:12,129 --> 00:11:15,758
<i>Spending less is
the quick and easy solution,</i>

201
00:11:15,841 --> 00:11:18,594
<i>but there's a limit
to how much you can frugal down.</i>

202
00:11:18,678 --> 00:11:21,055
<i>There's no limit to how much you can make.</i>

203
00:11:21,138 --> 00:11:24,433
<i>I just wish I was making more,</i>

204
00:11:24,517 --> 00:11:29,063
<i>and one of the main drawbacks
to the service industry</i>

205
00:11:29,146 --> 00:11:31,315
<i>is the lack of benefits.</i>

206
00:11:31,399 --> 00:11:34,443
<i>You could try to find
some type of side hustle</i>

207
00:11:34,527 --> 00:11:36,612
<i>or some type of work
that you do on your own...</i>

208
00:11:36,696 --> 00:11:37,655
<i>[LINDSEY] Hmm.</i>

209
00:11:37,738 --> 00:11:40,533
<i>...that makes enough money
that it compensates for that.</i>

210
00:11:40,616 --> 00:11:41,575
<i>- Okay.
- [PAULA] Right?</i>

211
00:11:41,659 --> 00:11:44,370
<i>So, let's talk about
the income side of the equation.</i>

212
00:11:44,453 --> 00:11:47,164
<i>- That's where the real potential exists.
- Yes.</i>

213
00:11:47,248 --> 00:11:51,752
<i>What I saw was that in order to make more,
I was gonna have to go independent</i>

214
00:11:51,836 --> 00:11:55,297
<i>and start my own side hustle,
start my own business.</i>

215
00:11:55,881 --> 00:11:59,468
<i>There are two different types of side gigs
that I want you to be thinking about.</i>

216
00:11:59,552 --> 00:12:00,386
<i>Okay.</i>

217
00:12:00,469 --> 00:12:03,681
<i>One is gig economy stuff.</i>

218
00:12:03,764 --> 00:12:07,560
<i>And so that's immediate,
short-term, quick cash,</i>

219
00:12:07,643 --> 00:12:10,563
<i>something where boom,
you can make money today.</i>

220
00:12:10,646 --> 00:12:14,775
<i>What other types of jobs
do you think could fill in that gap?</i>

221
00:12:14,859 --> 00:12:17,903
<i>I used to, uh, dog sit for families.</i>

222
00:12:17,987 --> 00:12:21,031
<i>I love dogs. I love being around animals.</i>

223
00:12:21,115 --> 00:12:24,243
<i>- A side hustle dog walking or dog sitting...
- [LINDSEY] Mm-hmm.</i>

224
00:12:24,326 --> 00:12:26,704
<i>...that's gonna get money
in the door this week.</i>

225
00:12:26,787 --> 00:12:29,749
<i>And then also there is the art aspect.</i>

226
00:12:29,832 --> 00:12:31,625
<i>I'm really good at illustration.</i>

227
00:12:31,709 --> 00:12:33,461
<i>If you can sketch really quickly,</i>

228
00:12:33,544 --> 00:12:35,463
<i>imagine if you went to a dog park</i>

229
00:12:35,963 --> 00:12:39,759
<i>and you walked up to someone
and you're like, "Hey, I love your dog."</i>

230
00:12:39,842 --> 00:12:42,261
<i>"Do you mind if I just do
a little 2-minute sketch?"</i>

231
00:12:43,012 --> 00:12:44,221
<i>You give them that sketch.</i>

232
00:12:44,305 --> 00:12:46,098
<i>You put your phone number at the bottom.</i>

233
00:12:46,182 --> 00:12:47,308
<i>By the way, I walk dogs.</i>

234
00:12:47,892 --> 00:12:49,351
<i>I love that idea!</i>

235
00:12:49,435 --> 00:12:54,899
<i>And then the other type of side gig is
building out your own business,</i>

236
00:12:54,982 --> 00:12:56,942
<i>but it's going to take a lot longer.</i>

237
00:12:59,904 --> 00:13:03,324
<i>[LINDSEY] At some point, I would like
to get out of the service industry.</i>

238
00:13:03,991 --> 00:13:05,659
<i>Deep down at my core,</i>

239
00:13:05,743 --> 00:13:08,162
<i>I am an artist, and I always have been.</i>

240
00:13:08,913 --> 00:13:10,706
<i>I do a little bit of everything.</i>

241
00:13:10,790 --> 00:13:12,917
<i>I do painting.</i>

242
00:13:13,959 --> 00:13:15,669
<i>I make costumes.</i>

243
00:13:17,046 --> 00:13:21,091
<i>And that's been my dream my entire life
of what I would like to do.</i>

244
00:13:23,302 --> 00:13:25,805
<i>[PAULA] So the most important thing is
that you have the hustle.</i>

245
00:13:25,888 --> 00:13:27,389
<i>I've got the drive and the heart.</i>

246
00:13:27,473 --> 00:13:29,475
<i>I feel like
I just don't have the know-how.</i>

247
00:13:30,059 --> 00:13:33,062
<i>- Easy. Easy. I got that. I got that.
- [LINDSEY] Awesome. [CHUCKLES]</i>

248
00:13:34,188 --> 00:13:36,398
<i>Art is my passion.</i>

249
00:13:37,149 --> 00:13:41,403
<i>So I would love to find a way
to make money from my art.</i>

250
00:13:41,487 --> 00:13:42,988
<i>That is the ultimate dream.</i>

251
00:13:49,453 --> 00:13:51,247
<i>[UPBEAT MUSIC PLAYS]</i>

252
00:14:02,424 --> 00:14:03,592
<i>[DOOR OPENS]</i>

253
00:14:07,513 --> 00:14:11,559
<i>[TEEZ] Growing up, you look
at playing football as this big dream.</i>

254
00:14:11,642 --> 00:14:13,185
<i>You know, the promised land.</i>

255
00:14:15,229 --> 00:14:18,607
<i>It takes one person to break through
the generations of poverty</i>

256
00:14:18,691 --> 00:14:20,526
<i>or living paycheck to paycheck.</i>

257
00:14:25,739 --> 00:14:27,074
<i>[WOMAN] I love the pink one.</i>

258
00:14:27,783 --> 00:14:30,077
<i>Go show Daddy. You can show him.</i>

259
00:14:30,160 --> 00:14:31,579
<i>[TEEZ] Oh, Mama. A princess.</i>

260
00:14:32,621 --> 00:14:33,747
<i>You look sweet!</i>

261
00:14:34,331 --> 00:14:35,833
<i>You got on your crown.</i>

262
00:14:35,916 --> 00:14:37,459
<i>Who your best friend?</i>

263
00:14:37,543 --> 00:14:39,086
<i>My best friend Mama.</i>

264
00:14:39,169 --> 00:14:40,504
<i>- [WOMAN LAUGHS]
- Oh.</i>

265
00:14:40,588 --> 00:14:42,548
<i>- You played me.
- [WOMAN LAUGHS]</i>

266
00:14:42,631 --> 00:14:44,383
<i>[TEEZ] I thought
Daddy was your best friend.</i>

267
00:14:44,466 --> 00:14:45,426
<i>[CHUCKLES]</i>

268
00:14:48,178 --> 00:14:52,057
<i>[TEEZ] Somebody like me,
a young, Black African-American male,</i>

269
00:14:52,141 --> 00:14:53,893
<i>that come from where I come from,</i>

270
00:14:54,393 --> 00:14:57,146
<i>I thought football was the only way
to make money and make a lot of it.</i>

271
00:14:58,647 --> 00:15:00,399
<i>[COMMENTATOR 1] It's off! Tabor!</i>

272
00:15:00,983 --> 00:15:04,194
<i>Picked up by Tabor.
Tabor racing to the endzone!</i>

273
00:15:04,945 --> 00:15:09,408
<i>[TEEZ] After my third season in college,
everybody was talking about me.</i>

274
00:15:09,491 --> 00:15:12,453
<i>[COMMENTATOR 2]</i> One of the best</i>
quarterbacks in the nation is Teez Tabor.</i>

275
00:15:13,078 --> 00:15:16,832
<i>This could be a pick six!
Touchdown! Tabor!</i>

276
00:15:17,750 --> 00:15:19,793
<i>[TEEZ] Once I realized
I can make a career out of it,</i>

277
00:15:19,877 --> 00:15:21,754
<i>it was no way I could stay in school.</i>

278
00:15:21,837 --> 00:15:24,381
<i>They talk about you making beaucoup bucks.</i>

279
00:15:24,465 --> 00:15:26,383
<i>You got people you gotta take care of.</i>

280
00:15:28,052 --> 00:15:29,887
<i>[MAN] With the 53rd pick,</i>

281
00:15:30,554 --> 00:15:35,267
<i>in the 2017 master football league draft,</i>

282
00:15:35,768 --> 00:15:40,564
<i>the Detroit Lions
have selected Teez Tabor.</i>

283
00:15:40,648 --> 00:15:42,608
{\an8}<i>[CROWD CHEERS]</i>

284
00:15:42,691 --> 00:15:46,236
{\an8}<i>[TEEZ] My first check says 1.6 million.</i>

285
00:15:46,946 --> 00:15:50,574
{\an8}<i>A young kid from Maryland,
21, instantly rich.</i>

286
00:15:51,158 --> 00:15:55,829
{\an8}<i>But I had to pay my agent out the gate,
and taxes is 40%.</i>

287
00:15:57,039 --> 00:15:58,791
{\an8}<i>I bought my mother a house.</i>

288
00:15:58,874 --> 00:16:00,334
{\an8}<i>I bought this house.</i>

289
00:16:00,417 --> 00:16:01,877
{\an8}<i>A couple jewelry pieces.</i>

290
00:16:01,961 --> 00:16:03,170
{\an8}<i>[SCREEN WHIRRING]</i>

291
00:16:03,253 --> 00:16:04,588
<i>Those were the big purchases.</i>

292
00:16:05,089 --> 00:16:08,008
<i>I went to Paris.
I went to Saint Lucia, Hawaii.</i>

293
00:16:11,345 --> 00:16:12,262
<i>Man...</i>

294
00:16:12,846 --> 00:16:15,891
<i>But I went from 1.6 to two-something.</i>

295
00:16:16,433 --> 00:16:18,936
<i>Two eighty. I'm like, "This will go fast."</i>

296
00:16:19,019 --> 00:16:21,814
{\an8}<i>I'm gonna cool off
'cause I see how quick it can go.</i>

297
00:16:22,690 --> 00:16:24,316
<i>[REFEREE BLOWS WHISTLE]</i>

298
00:16:24,400 --> 00:16:26,986
<i>Only goal in mind
was keep playing football.</i>

299
00:16:27,069 --> 00:16:28,529
<i>The money will keep coming in.</i>

300
00:16:29,863 --> 00:16:31,907
<i>I played two seasons in Detroit.</i>

301
00:16:31,991 --> 00:16:33,909
<i>[COMMENTATOR]</i> On the sideline,</i>
he makes the catch,</i>

302
00:16:33,993 --> 00:16:35,869
<i>right in front of Teez Tabor.</i>

303
00:16:36,453 --> 00:16:39,790
<i>[TEEZ] Everybody in the NFL know
if you're not producing at a high level,</i>

304
00:16:39,873 --> 00:16:41,291
<i>they're gonna get rid of you.</i>

305
00:16:41,792 --> 00:16:43,794
<i>[SOMBER MUSIC PLAYS]</i>

306
00:16:45,045 --> 00:16:46,839
<i>I ended up getting released.</i>

307
00:16:49,383 --> 00:16:52,428
<i>After I got released from Detroit,
I ended up going to San Fran.</i>

308
00:16:53,804 --> 00:16:56,390
<i>But I break my foot
right before training camp.</i>

309
00:16:57,808 --> 00:16:59,601
<i>So, they had to release me.</i>

310
00:17:00,519 --> 00:17:01,562
{\an8}<i>Right there.</i>

311
00:17:01,645 --> 00:17:03,022
{\an8}<i>[GRUNTS SOFTLY]</i>

312
00:17:04,314 --> 00:17:05,983
<i>[TEEZ] My world came crashing down.</i>

313
00:17:06,608 --> 00:17:08,402
<i>[THERAPIST] Let's take it back down.</i>

314
00:17:08,485 --> 00:17:13,365
<i>[TEEZ] There were some long nights.
Some long nights thinking like, "Why me?"</i>

315
00:17:13,449 --> 00:17:16,410
<i>"Why get me all the way here
and then take it away from me?"</i>

316
00:17:19,371 --> 00:17:21,707
<i>[CAR ENGINE REVVING]</i>

317
00:17:21,790 --> 00:17:24,918
<i>That made me take a step back
and open my eyes up to my money.</i>

318
00:17:28,005 --> 00:17:32,217
<i>One of my good friends told me
about the guy who they feel help people</i>

319
00:17:32,301 --> 00:17:33,510
<i>with their finances.</i>

320
00:17:36,096 --> 00:17:38,015
<i>- What's good, brodie?
- Yes, sir.</i>

321
00:17:38,098 --> 00:17:40,768
<i>- Oh. How you livin', fool?
- I'm good. How are you?</i>

322
00:17:40,851 --> 00:17:42,311
<i>Man, I'm all good, thank you.</i>

323
00:17:43,729 --> 00:17:45,647
<i>[RO$$] I'm a financial educator.</i>

324
00:17:45,731 --> 00:17:49,485
{\an8}<i>I opened up my brokerage account
to start buying stocks at the age of 18.</i>

325
00:17:50,986 --> 00:17:55,115
<i>I'm 31 now, but I'm close
to being financially free already.</i>

326
00:17:55,699 --> 00:17:57,743
<i>My kids will be financially free.</i>

327
00:17:59,078 --> 00:18:01,413
<i>What we're talking about
right now is the future,</i>

328
00:18:01,497 --> 00:18:04,917
{\an8}<i>and the way
you get invested in it right now</i>

329
00:18:05,000 --> 00:18:08,378
{\an8}<i>is getting out
of your own logic of thinking.</i>

330
00:18:11,090 --> 00:18:13,801
<i>[RO$$] You know, I ended up working
at Morgan Stanley for three years,</i>

331
00:18:13,884 --> 00:18:16,929
<i>so for me it's like, man, I just want
to start helping our community get</i>

332
00:18:17,012 --> 00:18:21,058
<i>better exposure to investing.
Better exposure to financial literacy.</i>

333
00:18:21,767 --> 00:18:26,230
{\an8}<i>Like, when did it trigger in your mind,
like, "All right, I need to be investing,"</i>

334
00:18:26,313 --> 00:18:28,148
{\an8}<i>or any conversations like that?</i>

335
00:18:29,775 --> 00:18:33,779
{\an8}<i>I felt like after my second season,
when I ended up getting hurt,</i>

336
00:18:35,030 --> 00:18:37,825
<i>me realizing like,
"What are you going to do?"</i>

337
00:18:37,908 --> 00:18:39,993
<i>Football's been my life
since I was four years old,</i>

338
00:18:40,077 --> 00:18:41,995
<i>so when I step outside this box,</i>

339
00:18:42,788 --> 00:18:45,082
<i>I don't even know where to go,
like, where to even start.</i>

340
00:18:45,165 --> 00:18:46,291
<i>I'm a fish out of water.</i>

341
00:18:46,375 --> 00:18:47,751
<i>-Mm-hmm
-[TEEZ] You know...</i>

342
00:18:47,835 --> 00:18:50,671
<i>We gotta look at this and say like,
"What happens right now?"</i>

343
00:18:50,754 --> 00:18:52,965
<i>- If you never get another football check.
- Right.</i>

344
00:18:53,048 --> 00:18:54,633
<i>[RO$$] And you don't know where to start.</i>

345
00:18:54,716 --> 00:18:56,718
<i>The easiest way to become a player
at the game,</i>

346
00:18:56,802 --> 00:18:58,470
<i>just put your money in the S&amp;P 500</i>

347
00:18:58,971 --> 00:19:02,766
<i>because on average,
that's gonna grow at 10% each year.</i>

348
00:19:02,850 --> 00:19:06,728
<i>So what is that... You said S&amp;P S...</i>

349
00:19:06,812 --> 00:19:10,315
<i>S&amp;P 500. They made...
They made an index to say</i>

350
00:19:10,399 --> 00:19:13,610
<i>we're gonna buy
all of these 500 companies.</i>

351
00:19:13,694 --> 00:19:14,820
<i>[SCREEN WHIRRING]</i>

352
00:19:14,903 --> 00:19:17,948
<i>[RO$$] So, look, when you're thinking
about investing, here's the...</i>

353
00:19:18,031 --> 00:19:19,616
<i>Put it in layman's terms, right?</i>

354
00:19:19,700 --> 00:19:21,952
<i>By buying a stock,
you literally are able to buy</i>

355
00:19:22,035 --> 00:19:23,954
<i>a very small piece of a company.</i>

356
00:19:24,913 --> 00:19:28,458
<i>An index fund is
literally a basket of stocks.</i>

357
00:19:28,542 --> 00:19:32,254
<i>You're not just buying one stock.
You get to buy a basket of them.</i>

358
00:19:32,754 --> 00:19:36,341
<i>And what's great about it,
it gives you inherent diversity.</i>

359
00:19:37,050 --> 00:19:38,218
<i>In the S&amp;P 500,</i>

360
00:19:38,302 --> 00:19:40,554
{\an8}<i>you have all the sectors
that you could think of.</i>

361
00:19:40,637 --> 00:19:44,349
{\an8}<i>Retail companies. There's banks.
You got healthcare companies.</i>

362
00:19:44,433 --> 00:19:48,061
{\an8}<i>Technology companies.
You got oil and gas, airlines.</i>

363
00:19:49,855 --> 00:19:51,231
<i>Now, obviously, the market,</i>

364
00:19:51,315 --> 00:19:53,817
<i>you can have disclaimers
that the market could go down.</i>

365
00:19:53,901 --> 00:19:56,612
<i>There are years
the market could go down 10%,</i>

366
00:19:56,695 --> 00:19:59,156
<i>but Warren Buffet,
if you google him right now,</i>

367
00:19:59,239 --> 00:20:00,699
<i>he's going to tell anybody...</i>

368
00:20:00,782 --> 00:20:04,369
<i>He's the smartest investor of all time.
He make money the slow way.</i>

369
00:20:04,453 --> 00:20:06,622
<i>Right? He's going to tell you,
anybody at the crib,</i>

370
00:20:06,705 --> 00:20:09,416
<i>Mom and Pop,
Grandma know, Uncle Ray Ray know,</i>

371
00:20:09,499 --> 00:20:11,668
<i>- just put your money in the S&amp;P 500...
- Put your money...</i>

372
00:20:11,752 --> 00:20:14,338
<i>...and it's gonna really build over time.</i>

373
00:20:15,005 --> 00:20:17,090
<i>- All right. Let's get into it.
- For sure.</i>

374
00:20:18,550 --> 00:20:20,719
<i>- [WOMAN] Whoo!
- [GIRL LAUGHS]</i>

375
00:20:22,137 --> 00:20:25,390
<i>- Not so fast! Want fast? Okay.
- Run in the grass though! Be careful!</i>

376
00:20:25,474 --> 00:20:29,061
<i>[TEEZ] Our parents always taught us
how to, like, fend for ourselves.</i>

377
00:20:29,144 --> 00:20:30,687
<i>A hustler's mentality, so,</i>

378
00:20:30,771 --> 00:20:35,901
<i>that's what they did teach us, uh,
but as far as, uh, savings plans,</i>

379
00:20:35,984 --> 00:20:38,070
<i>investment plans,</i>

380
00:20:38,654 --> 00:20:42,199
<i>we... we don't know. It's...
It's a language that's never taught to us.</i>

381
00:20:42,282 --> 00:20:44,993
<i>Daddy gonna catch you.
Daddy gonna catch you.</i>

382
00:20:45,077 --> 00:20:47,371
<i>- [WOMAN LAUGHS]
- [GIRL LAUGHS]</i>

383
00:20:51,583 --> 00:20:53,085
<i>I wanna go to the skies.</i>

384
00:20:53,168 --> 00:20:54,503
<i>You wanna go to the skies?</i>

385
00:20:55,295 --> 00:20:57,130
<i>[TEEZ] I just wanna help my daughter.</i>

386
00:20:57,214 --> 00:21:00,968
<i>- Okay. One...
- One, two, three, four.</i>

387
00:21:01,051 --> 00:21:03,178
<i>[LAUGHS AND SCREAMS]</i>

388
00:21:05,138 --> 00:21:08,600
<i>[TEEZ] I wanna make it easier for her</i>

389
00:21:08,684 --> 00:21:12,229
<i>than, you know,
my people's made it for me.</i>

390
00:21:13,146 --> 00:21:15,399
<i>- [TEEZ] Whoo. Yum.
- [LAUGHS]</i>

391
00:21:23,323 --> 00:21:27,869
<i>[ARIANA] "The night Max wore his wolf suit
and made mischief of one kind</i>

392
00:21:27,953 --> 00:21:30,455
<i>and another..."
Look, he's chasing the puppy.</i>

393
00:21:30,539 --> 00:21:32,249
<i>He's chasing the puppy.</i>

394
00:21:32,332 --> 00:21:35,919
<i>He's chasing the puppy.
"...his mother called him Wild Thing</i>

395
00:21:37,045 --> 00:21:39,339
<i>and Max said, 'I'll eat you up!'</i>

396
00:21:40,841 --> 00:21:44,469
<i>so he was sent to his bed
without anything to eat."</i>

397
00:21:44,553 --> 00:21:45,679
<i>Oh no!</i>

398
00:21:47,055 --> 00:21:49,433
<i>Money was something
to be spent growing up.</i>

399
00:21:51,727 --> 00:21:53,895
<i>My parents came
from the Dominican Republic</i>

400
00:21:53,979 --> 00:21:55,022
<i>when I was three.</i>

401
00:21:56,648 --> 00:22:00,527
<i>And I distinctly remember
my parents having a lot of conversations</i>

402
00:22:00,610 --> 00:22:05,240
<i>around like, "Well, we deserve this,"
or "I want this so I'm going to buy this."</i>

403
00:22:06,616 --> 00:22:08,994
<i>I was the first person in my family
to go to college.</i>

404
00:22:10,412 --> 00:22:12,831
<i>It was like,
"Just take out loans. It's fine."</i>

405
00:22:13,832 --> 00:22:17,169
<i>But no one explained to me
my student loans were accruing interest</i>

406
00:22:17,252 --> 00:22:19,880
<i>from the minute I signed them.</i>

407
00:22:20,630 --> 00:22:23,175
<i>Or like, why are you
allowing an 18-year-old</i>

408
00:22:23,258 --> 00:22:25,302
<i>to take out $25,000 a year?</i>

409
00:22:25,385 --> 00:22:27,012
<i>Like, how is that okay?</i>

410
00:22:28,889 --> 00:22:34,144
<i>And now I'm sitting here
with $108,000 in student loans.</i>

411
00:22:35,395 --> 00:22:36,355
<i>[BABY COOING]</i>

412
00:22:36,938 --> 00:22:38,398
<i>[MUMBLES]</i>

413
00:22:39,483 --> 00:22:42,110
<i>The credit card spending
started when I was young.</i>

414
00:22:42,194 --> 00:22:43,570
<i>[UPBEAT MUSIC PLAYS]</i>

415
00:22:43,653 --> 00:22:46,031
<i>I got my first job out of college,</i>

416
00:22:46,114 --> 00:22:49,534
<i>and I wound up getting an apartment
in New York that I couldn't afford.</i>

417
00:22:49,618 --> 00:22:50,869
<i>With no savings.</i>

418
00:22:51,787 --> 00:22:52,829
<i>And it went from there.</i>

419
00:22:54,081 --> 00:22:57,250
<i>Brunch was easily, like,
$100 every weekend.</i>

420
00:22:58,126 --> 00:23:00,587
<i>And then, like, my friends were going out,</i>

421
00:23:00,670 --> 00:23:03,423
<i>and, you know,
they were all buying new clothes.</i>

422
00:23:04,800 --> 00:23:06,134
<i>I couldn't always afford it.</i>

423
00:23:06,218 --> 00:23:10,931
<i>But I was like, "I deserve this,"
or "I had a really hard week. It's fine."</i>

424
00:23:12,057 --> 00:23:13,683
<i>And then we had kids.</i>

425
00:23:15,060 --> 00:23:17,479
<i>And then Amazon and Target became things.</i>

426
00:23:18,188 --> 00:23:19,898
<i>I got more credit cards.</i>

427
00:23:19,981 --> 00:23:21,691
<i>Buying things for the kids,</i>

428
00:23:21,775 --> 00:23:26,196
<i>buying clothes,
buying things to entertain ourselves with.</i>

429
00:23:28,156 --> 00:23:29,408
<i>I look around sometimes,</i>

430
00:23:29,491 --> 00:23:31,868
{\an8}<i>and it's almost like
I see dollar signs everywhere.</i>

431
00:23:34,746 --> 00:23:36,915
<i>If I look back
at the credit card statements,</i>

432
00:23:36,998 --> 00:23:39,292
<i>I couldn't even tell you what it was.</i>

433
00:23:40,502 --> 00:23:42,754
<i>And just like buying to buy.</i>

434
00:23:46,341 --> 00:23:48,427
<i>My husband was covering
the majority of bills</i>

435
00:23:48,510 --> 00:23:50,262
<i>so I can focus on paying things off.</i>

436
00:23:51,596 --> 00:23:54,141
<i>And it just didn't happen. Like, I tried.</i>

437
00:23:54,933 --> 00:23:57,811
<i>I wound up getting personal loans
to pay off the cards</i>

438
00:23:57,894 --> 00:24:00,397
<i>to make it one lump payment
and a lower interest rate.</i>

439
00:24:02,065 --> 00:24:04,651
<i>And that decreased my monthly payments,</i>

440
00:24:04,734 --> 00:24:08,405
<i>which was helpful because, you know,
I wasn't making that much money,</i>

441
00:24:08,488 --> 00:24:10,615
<i>but then it freed up all my credit cards.</i>

442
00:24:11,658 --> 00:24:14,953
<i>And they wound up getting maxed out again.</i>

443
00:24:15,036 --> 00:24:16,288
{\an8}<i>- Okay.
- [BABY COOS]</i>

444
00:24:18,623 --> 00:24:20,834
{\an8}<i>[SIZZLING]</i>

445
00:24:21,418 --> 00:24:24,087
<i>It feels like
I'm just gonna always have debt.</i>

446
00:24:26,131 --> 00:24:29,050
<i>Like, I just am not making
the right decisions.</i>

447
00:24:30,719 --> 00:24:34,181
<i>[TIFFANY] One of the first steps you have
to take when you're that deep in a hole,</i>

448
00:24:34,264 --> 00:24:35,932
<i>is you have to ask for help.</i>

449
00:24:36,808 --> 00:24:40,479
{\an8}<i>I know firsthand
there are other people that were in debt</i>

450
00:24:40,562 --> 00:24:42,189
{\an8}<i>that are no longer in debt.</i>

451
00:24:42,272 --> 00:24:47,444
{\an8}<i>Tiffany Aliche was a preschool teacher
who lost it all and fell into debt</i>

452
00:24:47,527 --> 00:24:49,488
{\an8}<i>during the recession in 2008.</i>

453
00:24:50,071 --> 00:24:53,533
<i>I was 30 years old
with $300,000 plus in debt.</i>

454
00:24:54,242 --> 00:24:57,871
<i>I was like, "Okay. Let me start
with the bare-bones basics."</i>

455
00:24:57,954 --> 00:25:02,167
<i>Let me list my bills.
Let me figure out what my expenses are.</i>

456
00:25:03,126 --> 00:25:04,920
{\an8}<i>She pulled herself out of debt</i>

457
00:25:05,003 --> 00:25:08,798
{\an8}<i>and began teaching
financial literacy seminars to women.</i>

458
00:25:09,466 --> 00:25:11,843
<i>[TIFFANY] What I just shared with Ariana
is even though I made</i>

459
00:25:11,927 --> 00:25:14,471
<i>every mistake possible with my money,</i>

460
00:25:14,554 --> 00:25:16,473
<i>I was able to regain my footing,</i>

461
00:25:17,140 --> 00:25:18,642
<i>and so can she.</i>

462
00:25:21,019 --> 00:25:24,481
<i>So, how do you feel that you do
when it comes to spending?</i>

463
00:25:24,564 --> 00:25:25,440
<i>[CHUCKLES]</i>

464
00:25:25,524 --> 00:25:28,026
<i>- Depends on the week.
- [BOTH LAUGH]</i>

465
00:25:28,109 --> 00:25:30,237
<i>Um... [BREATHES DEEPLY]</i>

466
00:25:30,320 --> 00:25:32,113
<i>There are some days that I'm really good,</i>

467
00:25:32,197 --> 00:25:34,241
<i>and I spend literally
no money on anything,</i>

468
00:25:34,324 --> 00:25:37,452
<i>and then there are other days
where it's not so great,</i>

469
00:25:37,536 --> 00:25:41,665
<i>and I talk myself into buying things
that we don't necessarily need.</i>

470
00:25:41,748 --> 00:25:43,458
<i>- Before you spend any money...
- Mm-hmm.</i>

471
00:25:43,542 --> 00:25:46,044
<i>...there are four questions
you should really ask yourself.</i>

472
00:25:46,127 --> 00:25:47,504
<i>And those four questions are:</i>

473
00:25:47,587 --> 00:25:49,506
<i>- Do I need it?
- [ARIANA] Mm-hmm.</i>

474
00:25:49,589 --> 00:25:51,550
<i>- Do I love it?
- [ARIANA] Okay.</i>

475
00:25:51,633 --> 00:25:53,218
<i>- Do I like it?
- [ARIANA] Okay.</i>

476
00:25:53,301 --> 00:25:54,302
<i>Do I want it?</i>

477
00:25:54,386 --> 00:25:57,556
<i>Need it, love it, like it, want it.
I'm gonna write these down for you.</i>

478
00:25:57,639 --> 00:25:58,640
<i>Okay.</i>

479
00:25:58,723 --> 00:26:01,851
<i>Your needs are, "I must have this thing</i>

480
00:26:01,935 --> 00:26:05,480
<i>to maintain the health
and safety of myself and my family."</i>

481
00:26:05,564 --> 00:26:06,815
<i>- Okay.
- [TIFFANY] Right?</i>

482
00:26:06,898 --> 00:26:08,400
<i>So give me some examples of some needs.</i>

483
00:26:08,483 --> 00:26:10,527
<i>- Mortgage, groceries.
- Mortgage. Mm-hmm.</i>

484
00:26:11,152 --> 00:26:12,612
<i>Loves are this.</i>

485
00:26:12,696 --> 00:26:15,907
<i>I want you to imagine if you had...
Who is one of the wealthiest people</i>

486
00:26:15,991 --> 00:26:18,910
<i>in the world that you're like, "There's
someone that can talk about wealth."</i>

487
00:26:18,994 --> 00:26:21,454
<i>- Oprah. [LAUGHS]
- I was gonna say, yup! [LAUGHS]</i>

488
00:26:21,538 --> 00:26:24,332
<i>- Everybody, right? If you had...
- [ARIANA] Oprah money.</i>

489
00:26:24,416 --> 00:26:26,751
<i>- You get a car! You get a car!
- [TIFFANY] Everybody! [LAUGHS]</i>

490
00:26:26,835 --> 00:26:27,794
<i>Yeah! Like...</i>

491
00:26:27,877 --> 00:26:31,047
<i>Yes, if you had Oprah money,
what would you do or do more of?</i>

492
00:26:31,631 --> 00:26:32,549
<i>Oh God.</i>

493
00:26:33,550 --> 00:26:34,718
<i>[ARIANA EXHALES]</i>

494
00:26:34,801 --> 00:26:37,137
<i>- Go on vacation. Travel with the kids.
- Right?</i>

495
00:26:37,220 --> 00:26:40,056
<i>And often times we skip over love
'cause it can be a little pricey.</i>

496
00:26:40,140 --> 00:26:41,433
<i>- Yeah.
- You know?</i>

497
00:26:41,516 --> 00:26:43,977
<i>So we skip right to likes and wants.</i>

498
00:26:44,060 --> 00:26:46,354
<i>So a like is something
that will bring you joy</i>

499
00:26:46,438 --> 00:26:48,106
<i>for about less than six months.</i>

500
00:26:48,189 --> 00:26:49,899
<i>And so wants are just...</i>

501
00:26:49,983 --> 00:26:52,152
<i>There's no joy there,
just temporary satisfaction.</i>

502
00:26:52,235 --> 00:26:55,864
<i>I feel like most of the things
I buy from Amazon fall into that category.</i>

503
00:26:55,947 --> 00:26:57,407
<i>- [TIFFANY] Okay.
- [ARIANA] It's like...</i>

504
00:26:57,490 --> 00:27:00,702
<i>- It's easy to press that purchase button.
- [TIFFANY] Yes.</i>

505
00:27:02,329 --> 00:27:05,415
<i>I want you to think of your needs
and loves like a quadrant, right?</i>

506
00:27:05,498 --> 00:27:10,295
<i>So needs and loves are on this side
and then likes and wants on this side.</i>

507
00:27:10,378 --> 00:27:13,715
<i>So when you are focused
on your needs and your loves,</i>

508
00:27:13,798 --> 00:27:16,551
<i>you're really living in more of your life.</i>

509
00:27:16,635 --> 00:27:19,220
<i>And when you're focused
on your likes and your wants,</i>

510
00:27:19,304 --> 00:27:21,306
<i>you're really living less of a life.</i>

511
00:27:21,389 --> 00:27:23,141
<i>[SOOTHING MUSIC PLAYS]</i>

512
00:27:23,224 --> 00:27:27,979
<i>At the end of this journey,
if I can... not be afraid of money,</i>

513
00:27:29,022 --> 00:27:33,693
<i>if I can have the confidence
to know that I will get out of debt</i>

514
00:27:33,777 --> 00:27:35,612
<i>and I will stay out debt,</i>

515
00:27:37,113 --> 00:27:38,490
<i>it would be huge.</i>

516
00:27:42,494 --> 00:27:44,496
<i>[UPBEAT MUSIC PLAYS]</i>

517
00:27:47,040 --> 00:27:48,541
{\an8}<i>[JOHN] Do you want kids or kitchen?</i>

518
00:27:48,625 --> 00:27:49,542
{\an8}<i>[KIM] I don't care.</i>

519
00:27:49,626 --> 00:27:50,502
<i>[JOHN] Okay.</i>

520
00:27:51,252 --> 00:27:52,587
<i>I'll do kids.</i>

521
00:27:53,296 --> 00:27:55,298
<i>- Just yell if you need me.
- [JOHN] Okay.</i>

522
00:27:55,799 --> 00:27:58,718
<i>Beep, beep, beep, beep.</i>

523
00:27:58,802 --> 00:28:01,096
<i>There you go! All right!</i>

524
00:28:01,179 --> 00:28:02,305
<i>I'm an engineer.</i>

525
00:28:02,389 --> 00:28:04,849
<i>- Nice job!
- [BOY] Nice job!</i>

526
00:28:04,933 --> 00:28:08,478
<i>[JOHN] When COVID hit,
they cut a bunch of the team.</i>

527
00:28:09,813 --> 00:28:12,148
<i>And I was just part of the...
part of the cut.</i>

528
00:28:15,026 --> 00:28:16,277
<i>I'm a stay-at-home dad now.</i>

529
00:28:16,361 --> 00:28:19,447
<i>Good, buddy.
Oh, should we put gas in the car?</i>

530
00:28:19,531 --> 00:28:22,909
<i>- Like that's my primary responsibility.
- [BOY] It's Dad.</i>

531
00:28:24,077 --> 00:28:26,079
<i>[CLASSICAL MUSIC PLAYS]</i>

532
00:28:33,545 --> 00:28:36,381
<i>Right now, John does everything.</i>

533
00:28:36,464 --> 00:28:37,882
<i>Like everything.</i>

534
00:28:42,345 --> 00:28:43,304
<i>It's a lot.</i>

535
00:28:45,598 --> 00:28:47,726
<i>And it's not always been that way for us,</i>

536
00:28:47,809 --> 00:28:50,562
<i>but he's had to learn all of it.</i>

537
00:28:51,646 --> 00:28:53,565
<i>- [JOHN] I'm super happy about it.
- [KIM] Yeah.</i>

538
00:28:56,526 --> 00:28:59,070
<i>[JOHN] 'Cause I have
an amazing bond with our kids.</i>

539
00:28:59,154 --> 00:29:00,947
<i>[KIM] You do, which is so beautiful.</i>

540
00:29:01,781 --> 00:29:04,743
<i>And I'm, like, really jealous
all the time. [LAUGHS]</i>

541
00:29:04,826 --> 00:29:08,663
<i>And then my ego gets jealous of,
you know, how successful you are.</i>

542
00:29:09,289 --> 00:29:12,125
<i>- Like, 'cause you are really successful.
- Yeah.</i>

543
00:29:12,208 --> 00:29:17,005
<i>It's just so ingrained
that the way I contribute as a man</i>

544
00:29:17,088 --> 00:29:18,214
<i>is to make money.</i>

545
00:29:18,298 --> 00:29:19,215
<i>What's up?</i>

546
00:29:20,800 --> 00:29:23,219
<i>[KIM] When he started being
a stay-at-home dad,</i>

547
00:29:23,303 --> 00:29:28,224
<i>I really struggled
with becoming the sole income maker</i>

548
00:29:28,308 --> 00:29:31,644
<i>and working so much
and being unavailable for my kids.</i>

549
00:29:32,771 --> 00:29:34,814
<i>Hello!</i>

550
00:29:34,898 --> 00:29:37,358
<i>- [WOMAN] Hi! [LAUGHS]
- How are you?</i>

551
00:29:38,026 --> 00:29:44,532
<i>I am a psychotherapist
and women's empowerment coach.</i>

552
00:29:44,616 --> 00:29:48,203
<i>There's all kinds of different ways
that you can embody a change,</i>

553
00:29:48,286 --> 00:29:49,621
<i>a transformation.</i>

554
00:29:49,704 --> 00:29:54,918
<i>Part of the reason
that we chose to have John stay at home</i>

555
00:29:55,001 --> 00:29:58,254
<i>is because my business
was growing financially.</i>

556
00:29:59,339 --> 00:30:00,924
<i>It was exponential growth.</i>

557
00:30:01,466 --> 00:30:04,803
<i>In 2018, it was maybe 70K for the year.</i>

558
00:30:04,886 --> 00:30:09,390
<i>And then in 2020, it was about 150,</i>

559
00:30:10,308 --> 00:30:14,020
<i>and then this year,
in theory, I'll be around 300.</i>

560
00:30:14,771 --> 00:30:18,775
<i>But every time we make more money,
we spend more money.</i>

561
00:30:22,320 --> 00:30:24,572
<i>I want to kind of like,
go to the other end of the spectrum</i>

562
00:30:24,656 --> 00:30:26,950
<i>and learn how to save,</i>

563
00:30:27,033 --> 00:30:29,494
<i>but we need... we definitely need
somebody to help us with that.</i>

564
00:30:29,577 --> 00:30:30,495
<i>But we learned... Yeah.</i>

565
00:30:31,079 --> 00:30:32,664
<i>[JAZZ MUSIC PLAYS]</i>

566
00:30:32,747 --> 00:30:36,417
{\an8}<i>You're about to meet a young man
who retired at the age of 30.</i>

567
00:30:36,501 --> 00:30:38,461
<i>- Let's get rid of this mop.
- [CLIPPER BUZZES]</i>

568
00:30:38,545 --> 00:30:42,632
<i>When you do the math on this,
it's something like $10,000 of haircuts</i>

569
00:30:42,715 --> 00:30:44,843
<i>that this $40 device has saved me.</i>

570
00:30:44,926 --> 00:30:48,596
<i>[REPORTER 1]</i> He preaches</i>
{\an8}his financial gospel on his popular blog,</i>

571
00:30:48,680 --> 00:30:50,306
{\an8}<i>Mr. Money Mustache.</i>

572
00:30:51,307 --> 00:30:53,935
<i>[MAN]</i> It has become</i>
a worldwide cult phenomenon,</i>

573
00:30:54,018 --> 00:30:57,188
<i>which has grown to reach
about 23 million different people</i>

574
00:30:57,272 --> 00:30:59,399
<i>since its inception.</i>

575
00:30:59,482 --> 00:31:02,777
<i>[KIM] I've gotten
Mr. Money Mustache's emails for years,</i>

576
00:31:02,861 --> 00:31:04,863
<i>and I didn't even think
that was a possibility</i>

577
00:31:04,946 --> 00:31:06,364
<i>that you could retire early.</i>

578
00:31:07,031 --> 00:31:10,827
<i>I just assumed that my life
was going to be just what's expected.</i>

579
00:31:10,910 --> 00:31:15,748
<i>You work until you're 65,
and then you can finally have a life.</i>

580
00:31:17,876 --> 00:31:20,253
{\an8}<i>- [MAN] Happy to finally meet y'all!
- [BOTH] How are you doing?</i>

581
00:31:20,336 --> 00:31:22,505
{\an8}<i>[MAN] So like, what brings you to me,</i>

582
00:31:22,589 --> 00:31:24,716
{\an8}<i>and what's your goal
in changing your life?</i>

583
00:31:25,216 --> 00:31:28,803
{\an8}<i>We're on the cusp of a high income.</i>

584
00:31:28,887 --> 00:31:32,265
<i>And so now that we have this resource,</i>

585
00:31:32,348 --> 00:31:34,976
<i>we want the tangible steps
where we can set ourselves up</i>

586
00:31:35,059 --> 00:31:37,604
<i>for the next five, ten years with a plan.</i>

587
00:31:37,687 --> 00:31:40,773
<i>So that we can be
financially independent after that.</i>

588
00:31:40,857 --> 00:31:44,110
<i>Like, what tangible steps
did you take at age 30?</i>

589
00:31:44,193 --> 00:31:46,321
<i>I was just earning
kind of an engineer's salary,</i>

590
00:31:46,404 --> 00:31:48,656
<i>which back in that day was $80,000 a year...</i>

591
00:31:48,740 --> 00:31:49,699
<i>[JOHN] Hmm.</i>

592
00:31:49,782 --> 00:31:54,203
<i>...and cutting our expenses
where we were living on $40,000 a year.</i>

593
00:31:54,287 --> 00:31:57,832
<i>You invest the surplus
in just a standard index fund,</i>

594
00:31:57,916 --> 00:31:59,792
<i>and it just kind of builds up.</i>

595
00:31:59,876 --> 00:32:03,004
<i>And then when we got
to the level of investments,</i>

596
00:32:03,087 --> 00:32:05,006
<i>um, that was enough to live on,</i>

597
00:32:05,089 --> 00:32:07,133
<i>that was when
we felt safe quitting our jobs.</i>

598
00:32:07,216 --> 00:32:09,469
<i>And the definition of "enough to live on"</i>

599
00:32:09,552 --> 00:32:13,264
<i>just very roughly is that you have
25 times your living expenses</i>

600
00:32:13,348 --> 00:32:14,307
<i>in investments.</i>

601
00:32:15,058 --> 00:32:17,226
<i>If your expenses are $100,000 a year,</i>

602
00:32:17,310 --> 00:32:21,731
<i>you need 2.5 million dollars invested
to sustain that lifestyle.</i>

603
00:32:22,231 --> 00:32:25,693
<i>So it's not really your income
that matters. It's your spending choices.</i>

604
00:32:26,235 --> 00:32:29,906
<i>So I think the first step would be
figuring out where your money is going,</i>

605
00:32:29,989 --> 00:32:32,158
<i>like, what do you think
is the most spendy stuff?</i>

606
00:32:32,825 --> 00:32:35,370
<i>- [KIM] This is the embarrassing part.
- [PETE] Okay, this is great.</i>

607
00:32:35,453 --> 00:32:39,040
<i>So I see shopping,
which is a very big category.</i>

608
00:32:39,123 --> 00:32:41,834
<i>- [KIM LAUGHS] Yeah.
- It's almost $2,000 a month.</i>

609
00:32:42,502 --> 00:32:43,962
<i>- Lots of Amazon.
- [PETE] Yeah.</i>

610
00:32:44,045 --> 00:32:45,088
<i>[KIM] Let's see.</i>

611
00:32:45,171 --> 00:32:48,591
<i>I just purchased dumbbells
for my SoulCycle classes.</i>

612
00:32:48,675 --> 00:32:50,385
<i>Ballet slippers,</i>

613
00:32:50,468 --> 00:32:52,303
<i>birthday supplies,</i>

614
00:32:52,387 --> 00:32:53,346
<i>hair stuff,</i>

615
00:32:53,429 --> 00:32:54,806
<i>more dog stuff.</i>

616
00:32:55,306 --> 00:32:57,934
<i>Everybody's brain has this thing
that I call the PJM.</i>

617
00:32:58,017 --> 00:33:00,478
<i>- It's Purchase Justification Machine...
- [KIM AND JOHN LAUGH]</i>

618
00:33:00,561 --> 00:33:03,773
<i>...and it's a little machine
running in their head and it's like...</i>

619
00:33:03,856 --> 00:33:04,983
<i>[MIMICS ELECTRONIC BEEPS]</i>

620
00:33:05,066 --> 00:33:08,277
<i>...and it spits out excuses for why
you really want to buy something</i>

621
00:33:08,361 --> 00:33:10,071
<i>even if you don't actually need it.</i>

622
00:33:10,947 --> 00:33:14,993
<i>So the idea is to throw some dirt
and grit into the gears of this PJM</i>

623
00:33:15,076 --> 00:33:16,995
<i>- to slow it down.
- [MACHINE RATTLES]</i>

624
00:33:17,078 --> 00:33:19,539
<i>What that means
is asking yourself questions like,</i>

625
00:33:19,622 --> 00:33:23,084
<i>"Am I really gonna use this thing?
How often would I use it?"</i>

626
00:33:23,626 --> 00:33:27,130
<i>Anything you could throw in front
is going to slow down your purchases,</i>

627
00:33:27,213 --> 00:33:28,631
<i>and you'll end up spending less.</i>

628
00:33:29,298 --> 00:33:31,259
<i>[MACHINE HISSING]</i>

629
00:33:31,342 --> 00:33:33,344
<i>The second-highest category is groceries.</i>

630
00:33:33,428 --> 00:33:36,055
<i>How many cheeses did you get this time?</i>

631
00:33:36,139 --> 00:33:37,223
<i>- [JOHN] Four.
- [KIM CHUCKLES]</i>

632
00:33:37,306 --> 00:33:39,767
<i>[PETE] You're spending
$1,200 a month on groceries.</i>

633
00:33:39,851 --> 00:33:44,105
<i>That is like banquet-level spending
for a small family.</i>

634
00:33:44,188 --> 00:33:45,857
<i>- You must be...
- Doesn't feel like it to us.</i>

635
00:33:45,940 --> 00:33:48,693
<i>You must be feeding, like,
royalty every night.</i>

636
00:33:48,776 --> 00:33:51,404
<i>You potentially
could get that down to 500,</i>

637
00:33:51,487 --> 00:33:53,239
<i>and that's $6,000 a year,</i>

638
00:33:53,322 --> 00:33:57,660
<i>$60,000 a decade,
just by tweaking your food spending.</i>

639
00:33:57,744 --> 00:34:02,331
<i>Literally have no idea how
you could possibly do that differently.</i>

640
00:34:02,415 --> 00:34:07,545
<i>I wonder if I could come
to like a guest grocery shopping.</i>

641
00:34:08,129 --> 00:34:10,089
<i>- [JOHN] Yeah, let's do that.
- [LAUGHS] Great.</i>

642
00:34:10,590 --> 00:34:12,175
<i>- Five years from now...
- [JOHN] Okay.</i>

643
00:34:12,258 --> 00:34:15,178
<i>...what would you like
your lives to be like?</i>

644
00:34:15,762 --> 00:34:18,347
<i>The idea of retiring early sounds amazing.</i>

645
00:34:18,431 --> 00:34:19,432
<i>I'm totally into it,</i>

646
00:34:19,515 --> 00:34:23,853
<i>but also creating more space
and time to be with the family,</i>

647
00:34:23,936 --> 00:34:27,732
<i>to have, um, the bandwidth
to, like, actually be present.</i>

648
00:34:27,815 --> 00:34:30,026
<i>Yeah. That sounds really sustainable.</i>

649
00:34:30,109 --> 00:34:33,071
<i>Like, your plan is not
very far-fetched at all.</i>

650
00:34:33,154 --> 00:34:35,364
<i>It feels far-fetched to me.
I'm glad you think so.</i>

651
00:34:35,448 --> 00:34:36,491
<i>- [LAUGHS]
- [PETE] Okay.</i>

652
00:34:36,574 --> 00:34:38,576
<i>Let's go play with your train set.</i>

653
00:34:40,078 --> 00:34:41,079
<i>[KIM] The last few years,</i>

654
00:34:41,162 --> 00:34:45,625
<i>we allowed ourselves
to be more consumeristic</i>

655
00:34:45,708 --> 00:34:47,627
<i>to cope with stress...</i>

656
00:34:47,710 --> 00:34:48,669
<i>Only one.</i>

657
00:34:48,753 --> 00:34:53,007
<i>...and as a reward
for the hard work that I do.</i>

658
00:34:53,091 --> 00:34:54,342
<i>All right. Three.</i>

659
00:34:54,967 --> 00:34:58,179
<i>So at the end of the day,
I'll, like, buy myself clothes</i>

660
00:34:58,262 --> 00:35:00,139
<i>or I'll buy them a toy...</i>

661
00:35:01,307 --> 00:35:02,809
<i>[SPEAKING INDISTINCTLY]</i>

662
00:35:03,601 --> 00:35:07,563
<i>...but now, like, we're ready
to start making good long-term decisions</i>

663
00:35:07,647 --> 00:35:12,193
<i>as opposed to just, like,
getting through that time period.</i>

664
00:35:20,743 --> 00:35:23,621
<i>[RO$$] So, like, right now, realistically,</i>

665
00:35:23,704 --> 00:35:27,500
<i>all else fails, in two years,</i>

666
00:35:27,583 --> 00:35:30,503
<i>you would technically
blow through your savings.</i>

667
00:35:30,586 --> 00:35:31,671
<i>Right.</i>

668
00:35:32,171 --> 00:35:34,715
{\an8}<i>For me, we got to get
all the expenses down.</i>

669
00:35:34,799 --> 00:35:36,259
{\an8}<i>[DINGS]</i>

670
00:35:36,342 --> 00:35:39,053
{\an8}<i>Because you want to invest
a portion of these savings.</i>

671
00:35:39,137 --> 00:35:41,639
<i>Right? And still be comfortable.</i>

672
00:35:41,722 --> 00:35:45,017
<i>How much did you splurge
on a couple chains, a couple earrings,</i>

673
00:35:45,101 --> 00:35:46,269
<i>a couple watches?</i>

674
00:35:47,436 --> 00:35:49,689
<i>- [HESITATES] Sixty...
- 60K.</i>

675
00:35:49,772 --> 00:35:50,773
<i>So let's do this.</i>

676
00:35:50,857 --> 00:35:54,527
{\an8}<i>Right now, if you would've put
$60,000 into the S&amp;P 500,</i>

677
00:35:54,610 --> 00:35:58,614
{\an8}<i>the stuff we was talking about,
that $60,000 today...</i>

678
00:35:59,740 --> 00:36:01,784
{\an8}<i>...would be $112,000.</i>

679
00:36:01,868 --> 00:36:03,119
{\an8}<i>Hmm. All right.</i>

680
00:36:03,202 --> 00:36:04,620
{\an8}<i>Right? Nah, this ain't broke.</i>

681
00:36:04,704 --> 00:36:08,374
<i>I want you to see the numbers to just say,
"Okay. I've been missing out on money."</i>

682
00:36:08,457 --> 00:36:11,210
<i>Know what I'm saying?
That one little thing you forgot about.</i>

683
00:36:11,294 --> 00:36:13,379
<i>'Cause we bought a watch
and something with it.</i>

684
00:36:13,462 --> 00:36:17,049
<i>So for me, my biggest thing is
to just show you how the money works.</i>

685
00:36:17,133 --> 00:36:19,385
<i>[INDISTINCT CHATTER]</i>

686
00:36:22,763 --> 00:36:24,765
<i>[RO$$] When you own it, you in the game.</i>

687
00:36:24,849 --> 00:36:26,976
<i>- Okay.
- You feel me? Like you done laced them up.</i>

688
00:36:27,059 --> 00:36:29,812
<i>You between them white lines,
and you really in the game.</i>

689
00:36:29,896 --> 00:36:31,898
<i>- You feel me? It's game time.
- [CHUCKLES]</i>

690
00:36:31,981 --> 00:36:34,859
<i>[TEEZ] The only thing I know
it's second and ten, third and five,</i>

691
00:36:34,942 --> 00:36:38,196
<i>X receive a cut split. Like, I don't...
That's what I understand.</i>

692
00:36:39,530 --> 00:36:42,408
<i>I just know that I got this much money
and I don't have the knowledge</i>

693
00:36:42,491 --> 00:36:43,659
<i>on how to keep it.</i>

694
00:36:43,743 --> 00:36:48,206
<i>Or how to really make it
run a marathon for me.</i>

695
00:36:48,289 --> 00:36:50,082
<i>That's why I'm just trying to learn.</i>

696
00:36:56,589 --> 00:36:59,383
<i>[TIFFANY] So, first things first.
Whenever you're doing a budget,</i>

697
00:36:59,467 --> 00:37:02,595
<i>a budget is just a picture
of what your money is doing.</i>

698
00:37:02,678 --> 00:37:06,057
<i>And if you don't like that picture,
you have the option to change it.</i>

699
00:37:06,140 --> 00:37:08,559
<i>So your "money out" list looks like this.</i>

700
00:37:15,233 --> 00:37:18,819
<i>So let's talk about money in.
What do you take home monthly?</i>

701
00:37:18,903 --> 00:37:20,488
<i>Um, about $5,000.</i>

702
00:37:20,571 --> 00:37:22,490
<i>And then you said you had a second job?</i>

703
00:37:22,573 --> 00:37:23,991
<i>- Yes. So I'm...
- Okay.</i>

704
00:37:24,075 --> 00:37:26,035
<i>I picked up some virtual assistant work.</i>

705
00:37:26,118 --> 00:37:28,120
<i>[TIFFANY] Which is about $700 a month.</i>

706
00:37:28,204 --> 00:37:29,538
<i>- Sounds right.
- Okay.</i>

707
00:37:29,622 --> 00:37:32,166
<i>The good news is,
there's actually money here.</i>

708
00:37:32,250 --> 00:37:33,542
<i>Yeah.</i>

709
00:37:33,626 --> 00:37:36,087
<i>[TIFFANY] At your job,
do they allow you to split your paycheck?</i>

710
00:37:36,170 --> 00:37:37,046
<i>[ARIANA] Yeah.</i>

711
00:37:37,129 --> 00:37:39,215
<i>[TIFFANY] See if they'll do it
up to five splits.</i>

712
00:37:39,298 --> 00:37:40,925
<i>Split it before you get it.</i>

713
00:37:41,676 --> 00:37:44,595
<i>Your five splits are
your bills account for the home,</i>

714
00:37:44,679 --> 00:37:46,555
<i>your Ariana bucket for bills,</i>

715
00:37:46,639 --> 00:37:48,683
<i>you have your spending account,</i>

716
00:37:48,766 --> 00:37:50,351
<i>and you have two savings.</i>

717
00:37:50,434 --> 00:37:52,853
<i>Savings has two functions.
For emergencies and dreams.</i>

718
00:37:52,937 --> 00:37:56,190
<i>So you're going to put some
in your emergency savings account</i>

719
00:37:56,274 --> 00:37:57,942
<i>and some in your dream savings.</i>

720
00:37:58,025 --> 00:38:00,820
<i>So this is your budget. That's it.
A little bit of automation,</i>

721
00:38:00,903 --> 00:38:03,614
<i>then you don't have to
at the grocery store scramble.</i>

722
00:38:03,698 --> 00:38:04,907
<i>- Yeah.
- Because you know,</i>

723
00:38:04,991 --> 00:38:08,369
<i>"I put aside my money already.
It's there. I asked my job to do it."</i>

724
00:38:08,452 --> 00:38:11,956
<i>It's there for you to lean into
instead of your credit card.</i>

725
00:38:13,624 --> 00:38:17,044
<i>[ARIANA] I've tried almost every budget
under the sun,</i>

726
00:38:17,128 --> 00:38:19,297
<i>and it's never really worked before.</i>

727
00:38:19,797 --> 00:38:21,507
<i>So this is really the chance.</i>

728
00:38:23,050 --> 00:38:24,385
<i>I'm ready to, like, do this work.</i>

729
00:38:24,468 --> 00:38:27,221
<i>I'm ready, like, to get to the point
of financial wholeness</i>

730
00:38:27,305 --> 00:38:29,265
<i>that Tiffany keeps talking about.</i>

731
00:38:36,689 --> 00:38:39,358
<i>[ROCK MUSIC PLAYS]</i>

732
00:38:39,442 --> 00:38:40,443
<i>[WOMAN] Nina, here!</i>

733
00:38:41,235 --> 00:38:43,446
<i>[KISSES] Hey!</i>

734
00:38:44,697 --> 00:38:45,740
<i>[LINDSEY] Hi there.</i>

735
00:38:50,619 --> 00:38:53,122
<i>[WOMAN KISSES] Nina! Stay! Come here.</i>

736
00:38:53,748 --> 00:38:55,499
<i>Okay? Go get it!</i>

737
00:38:57,084 --> 00:38:59,253
<i>[LINDSEY] The piece of advice
that Paula gave me</i>

738
00:38:59,337 --> 00:39:01,756
<i>was to bring a sketchbook</i>

739
00:39:01,839 --> 00:39:04,508
<i>and draw people's dogs really quickly.</i>

740
00:39:07,803 --> 00:39:11,432
<i>[LINDSEY] Hi! I'm sorry to bother you.
I hope you don't mind,</i>

741
00:39:11,515 --> 00:39:15,353
<i>but I went ahead and I drew your pup
because she's just so pretty.</i>

742
00:39:15,436 --> 00:39:16,479
<i>She's so happy.</i>

743
00:39:16,562 --> 00:39:20,149
<i>Also, I started
my own dog-walking/dog-sitting business.</i>

744
00:39:20,232 --> 00:39:22,234
<i>So I included my info on the back.</i>

745
00:39:22,318 --> 00:39:24,111
<i>[WOMAN] Wow, that is so beautiful!</i>

746
00:39:24,195 --> 00:39:26,280
<i>- [LINDSEY] Thank you so much.
- [WOMAN] Thank you!</i>

747
00:39:26,364 --> 00:39:28,866
<i>[ROCK MUSIC CONTINUES]</i>

748
00:39:35,998 --> 00:39:37,792
<i>[LINDSEY] I couldn't help
but notice your dog.</i>

749
00:39:37,875 --> 00:39:42,046
<i>He's just so happy and he's so cute,
and I kind of had to draw him.</i>

750
00:39:42,129 --> 00:39:44,715
<i>So I wanted to go ahead
and give you this sketch.</i>

751
00:39:44,799 --> 00:39:46,592
<i>- Thank you!
- My pleasure.</i>

752
00:39:47,426 --> 00:39:51,180
<i>[LINDSEY] I was able to draw
four dogs in two hours,</i>

753
00:39:51,263 --> 00:39:53,516
<i>and that ended up being a big hit.</i>

754
00:39:53,599 --> 00:39:56,852
<i>If there are some trips I get stuck in,
I'll definitely give you a call.</i>

755
00:39:56,936 --> 00:39:58,646
<i>- Thank you!
- Of course!</i>

756
00:39:58,729 --> 00:40:02,400
<i>But the fact is most of the people
need dogs covered for the weekends,</i>

757
00:40:02,483 --> 00:40:04,527
<i>and being in the service industry,</i>

758
00:40:04,610 --> 00:40:07,029
<i>that is usually
when I'm scheduled the most.</i>

759
00:40:10,116 --> 00:40:12,493
<i>[LINDSEY] Last time we saw each other,
after that,</i>

760
00:40:12,576 --> 00:40:17,248
<i>I made the decision
to quit one of my jobs.</i>

761
00:40:17,331 --> 00:40:21,669
<i>While I saw myself with potential
at that job at one point in time,</i>

762
00:40:21,752 --> 00:40:23,379
<i>it had turned into a dead-end job.</i>

763
00:40:23,462 --> 00:40:25,131
<i>This sounds like a breakup!</i>

764
00:40:25,214 --> 00:40:27,675
<i>- [BOTH LAUGH]
- It does sound like a breakup!</i>

765
00:40:27,758 --> 00:40:28,592
<i>Uh...</i>

766
00:40:28,676 --> 00:40:31,137
<i>"I saw the potential,
but it was turning toxic."</i>

767
00:40:31,220 --> 00:40:32,138
<i>[BOTH LAUGH]</i>

768
00:40:32,221 --> 00:40:34,557
<i>That's exactly what happened though.</i>

769
00:40:34,640 --> 00:40:38,352
<i>But right now,
I'm just struggling with the transition...</i>

770
00:40:38,436 --> 00:40:40,646
<i>- Okay. All right.
- ...of losing that second income.</i>

771
00:40:43,023 --> 00:40:43,983
<i>[DINGS]</i>

772
00:40:44,984 --> 00:40:47,778
<i>You don't want to be reckless
with your life and your money,</i>

773
00:40:47,862 --> 00:40:49,780
<i>but then right there in the middle,</i>

774
00:40:49,864 --> 00:40:53,742
<i>in between cowardice and recklessness,
that's courage.</i>

775
00:40:54,410 --> 00:40:58,414
<i>And that's what I see
in your decision to quit the job</i>

776
00:40:58,497 --> 00:41:02,835
<i>that wasn't paying you enough,
wasn't honoring your time and talent.</i>

777
00:41:02,918 --> 00:41:05,421
<i>You're making me emotional
just to hear that.</i>

778
00:41:05,504 --> 00:41:07,339
<i>[BOTH LAUGH]</i>

779
00:41:07,423 --> 00:41:11,969
<i>But it is allowing me
to focus on my side gigs</i>

780
00:41:12,052 --> 00:41:16,974
<i>and focus on what I really want to do
for the rest of my life,</i>

781
00:41:17,057 --> 00:41:19,310
<i>getting out of the service industry.</i>

782
00:41:19,393 --> 00:41:21,395
<i>[UPBEAT MUSIC PLAYS]</i>

783
00:41:32,948 --> 00:41:36,702
<i>[LINDSEY] So, I had my first art market
this last Saturday.</i>

784
00:41:38,537 --> 00:41:40,456
<i>The prints are 20 apiece, by the way.</i>

785
00:41:40,539 --> 00:41:42,708
<i>[WOMAN] Okay! I love the doe one.</i>

786
00:41:42,791 --> 00:41:46,045
<i>- That one and the jellyfish one! So cool!
- Hell yeah!</i>

787
00:41:46,962 --> 00:41:49,673
<i>- [WOMAN] Oh, this is gorgeous too.
- [LINDSEY] Thank you.</i>

788
00:41:50,841 --> 00:41:55,221
<i>I took some high-quality photos
of the paintings that I already made,</i>

789
00:41:55,304 --> 00:41:59,767
<i>and the beautiful thing about prints
is if I need to recreate them,</i>

790
00:41:59,850 --> 00:42:01,769
<i>- I just go to the store.
- [CHUCKLES]</i>

791
00:42:01,852 --> 00:42:04,772
<i>I already have the files
that I need to print out,</i>

792
00:42:04,855 --> 00:42:07,816
<i>so I don't need
to put in extra energy for it.</i>

793
00:42:07,900 --> 00:42:09,902
<i>- You know what the word for that is?
- [LINDSEY] What?</i>

794
00:42:09,985 --> 00:42:11,529
<i>- Scalable.
- Scalable!</i>

795
00:42:11,612 --> 00:42:13,447
<i>- Scalable. It's scalable.
- Okay.</i>

796
00:42:13,531 --> 00:42:17,034
<i>You can multiply your income
without multiplying your effort or time.</i>

797
00:42:17,117 --> 00:42:19,703
{\an8}<i>[WOMAN TALKS INDISTINCTLY]</i>

798
00:42:20,579 --> 00:42:21,956
{\an8}<i>[LINSEY LAUGHS] I know.</i>

799
00:42:22,581 --> 00:42:24,124
{\an8}<i>Do you think this is something</i>

800
00:42:24,208 --> 00:42:27,169
<i>I should look into
making it a weekly thing?</i>

801
00:42:27,253 --> 00:42:30,422
<i>[PAULA] So not only should you be making
this a weekly thing,</i>

802
00:42:30,506 --> 00:42:33,676
<i>you should also be looking
at all the other ways</i>

803
00:42:33,759 --> 00:42:35,928
<i>that you can scale your art career.</i>

804
00:42:36,011 --> 00:42:37,012
<i>[LINDSEY] Okay.</i>

805
00:42:37,096 --> 00:42:39,306
<i>[PAULA] Look at mass-producing
your prints.</i>

806
00:42:39,390 --> 00:42:42,226
<i>Look into creating NFTs,
non-fungible tokens,</i>

807
00:42:42,309 --> 00:42:45,312
<i>which will allow you
to sell your art digitally.</i>

808
00:42:45,396 --> 00:42:46,480
<i>[LINDSEY] Wonderful.</i>

809
00:42:46,564 --> 00:42:48,232
<i>[PAULA] For you especially,</i>

810
00:42:48,315 --> 00:42:50,985
<i>and for anyone whose, like,
whose side hustle</i>

811
00:42:51,652 --> 00:42:53,946
<i>is their intended second career,</i>

812
00:42:54,488 --> 00:42:57,449
<i>it makes even more sense
to, like, lean hard into it.</i>

813
00:42:57,533 --> 00:42:58,450
<i>Okay.</i>

814
00:43:00,119 --> 00:43:02,371
<i>[PAULA] There's no blueprint
for building out your business</i>

815
00:43:02,454 --> 00:43:03,747
<i>from the ground up.</i>

816
00:43:04,373 --> 00:43:08,419
<i>Lindsey's making great progress,
but she also quit her waitressing job.</i>

817
00:43:09,336 --> 00:43:11,005
<i>So she quickly needs to figure out</i>

818
00:43:11,088 --> 00:43:13,716
<i>which of these new gigs is
gonna bring in the most money.</i>

819
00:43:17,052 --> 00:43:18,971
<i>[TEEZ] Hey, you think
it's gonna be cold up there?</i>

820
00:43:19,054 --> 00:43:20,264
<i>You think I need a jacket?</i>

821
00:43:20,889 --> 00:43:22,266
<i>- [WOMAN] Yeah.
- [GIRL MUMBLES]</i>

822
00:43:22,349 --> 00:43:24,351
<i>- [TEEZ] For real?
- [WOMAN] We gotta help Daddy pack!</i>

823
00:43:24,435 --> 00:43:25,686
<i>Where is Daddy going?</i>

824
00:43:27,771 --> 00:43:29,398
<i>You got socks.</i>

825
00:43:29,481 --> 00:43:30,482
<i>[GIRL] Yeah, yeah!</i>

826
00:43:30,566 --> 00:43:31,817
<i>[TEEZ] You silly.</i>

827
00:43:31,900 --> 00:43:35,279
<i>After I broke my foot,
I ended up getting on it back healthy,</i>

828
00:43:35,362 --> 00:43:36,697
<i>and Chicago called me.</i>

829
00:43:36,780 --> 00:43:39,867
<i>Oh, you packing
your princesses for Daddy. Good job.</i>

830
00:43:39,950 --> 00:43:42,328
<i>Now they invited me to training camp.</i>

831
00:43:42,411 --> 00:43:46,457
<i>Basically, training camp is a trial.
For me, it's to try to make the team.</i>

832
00:43:46,957 --> 00:43:49,251
<i>Ninety people get invited
to training camp,</i>

833
00:43:49,335 --> 00:43:50,919
<i>and they going to take the best 53.</i>

834
00:43:53,547 --> 00:43:54,757
<i>Ro$$ was just telling me.</i>

835
00:43:54,840 --> 00:43:59,386
<i>One, I got to start taking
this financial stuff serious</i>

836
00:43:59,470 --> 00:44:01,597
<i>'cause I don't know
how to do anything else.</i>

837
00:44:01,680 --> 00:44:05,267
<i>And two, I need to get on my grind
because right now,</i>

838
00:44:05,351 --> 00:44:07,019
<i>there's no money coming in.</i>

839
00:44:07,102 --> 00:44:09,104
{\an8}<i>[TENSE MUSIC PLAYS]</i>

840
00:44:09,772 --> 00:44:12,024
{\an8}<i>He brought me back down to earth. "Okay.</i>

841
00:44:12,107 --> 00:44:16,236
<i>If I don't do those two things,
then they can look real scary real soon."</i>

842
00:44:22,034 --> 00:44:24,745
<i>- [MAN TALKS INDISTINCTLY]
- [WHISTLE BLOWS]</i>

843
00:44:27,623 --> 00:44:30,709
<i>[RO$$] My man being at training camp
is end all or be all.</i>

844
00:44:30,793 --> 00:44:32,336
<i>From a financial pressure.</i>

845
00:44:33,462 --> 00:44:36,840
<i>I'm tellin' Teez, "Bro, if you wanna
continue to live your lifestyle,</i>

846
00:44:36,924 --> 00:44:38,258
<i>you gotta make the team."</i>

847
00:44:40,094 --> 00:44:41,512
<i>At the same time, I'm like,</i>

848
00:44:41,595 --> 00:44:43,889
<i>"Bro, assume you don't make
the squad, what're we doing?"</i>

849
00:44:45,265 --> 00:44:48,477
<i>So you been lookin' good in terms
of setting up the brokerage account?</i>

850
00:44:48,560 --> 00:44:51,480
<i>Yeah, I set it up, but I was a little...</i>

851
00:44:51,980 --> 00:44:55,526
<i>I ain't putting no money in there yet.
It was a little frightening.</i>

852
00:44:55,609 --> 00:45:01,365
<i>It was a bunch of numbers,
and I seen Nasdaq, Apple, S&amp;P 500.</i>

853
00:45:02,074 --> 00:45:04,576
<i>0.3%, I don't know.
I ain't do nothing yet.</i>

854
00:45:04,660 --> 00:45:06,161
<i>I set it up, but I ain't get too far.</i>

855
00:45:06,245 --> 00:45:07,079
<i>[RO$$] That's a fact.</i>

856
00:45:09,707 --> 00:45:11,875
{\an8}<i>Now most people be scared,
you know what I mean?</i>

857
00:45:11,959 --> 00:45:14,378
<i>But, you know,
we wanna make sure you get over that.</i>

858
00:45:14,461 --> 00:45:18,215
<i>- Right.
- Take your investing virginity. Let's go.</i>

859
00:45:18,298 --> 00:45:22,970
<i>So the best step that we're going to do
is obviously buy two index funds, right?</i>

860
00:45:23,053 --> 00:45:26,974
<i>So you got the S&amp;P 500,
and we're going to do the Nasdaq, right?</i>

861
00:45:27,057 --> 00:45:29,268
<i>So how much you say
you want to start with?</i>

862
00:45:29,351 --> 00:45:30,728
<i>- [RO$$] If I'm you?
- Yeah.</i>

863
00:45:30,811 --> 00:45:33,981
<i>I'm starting with ten racks,
then you'll hold it. I ain't gonna lie.</i>

864
00:45:34,064 --> 00:45:37,443
<i>I'mma just start with 1,000
just to get my feet wet.</i>

865
00:45:37,526 --> 00:45:41,905
<i>Get your feet wet! If it were me,
I'd be putting another zero on that boy!</i>

866
00:45:41,989 --> 00:45:44,742
<i>- You tryin' to get me some money!
- And you're gonna hold it.</i>

867
00:45:44,825 --> 00:45:46,827
<i>- So now, here's the thing. Right?
- Mm-hmm.</i>

868
00:45:47,369 --> 00:45:50,330
<i>- And if I'm you, in all honesty, right?
- [TEEZ] Okay.</i>

869
00:45:50,414 --> 00:45:53,292
<i>The biggest thing is
this frequency button.</i>

870
00:45:53,375 --> 00:45:56,170
<i>Now I'm recommending
setting it up monthly.</i>

871
00:45:56,253 --> 00:45:57,880
<i>You won't have to think about it.</i>

872
00:45:57,963 --> 00:46:00,424
<i>- [TEEZ] I should put it every month.
- [RO$$] Yeah, I would.</i>

873
00:46:00,507 --> 00:46:04,303
<i>Just like every month, you paying
the car note or the mortgage payments,</i>

874
00:46:04,386 --> 00:46:08,307
<i>you pay your e-trade next,
or actually you pay your e-trade first.</i>

875
00:46:08,390 --> 00:46:10,976
<i>So when you say, "Man,
I just want to get my feet wet"</i>

876
00:46:11,059 --> 00:46:13,228
<i>and only put a stack in, 1,000,</i>

877
00:46:13,312 --> 00:46:15,939
<i>what's making you say
I don't want to put a lot more in?</i>

878
00:46:16,023 --> 00:46:19,735
<i>Uh, 'cause I don't...
It's new, you know what I'm saying?</i>

879
00:46:19,818 --> 00:46:24,281
<i>It's so new that I don't want to...
I guess I don't want to fail or mess up.</i>

880
00:46:24,364 --> 00:46:25,199
<i>Mm-hmm.</i>

881
00:46:25,282 --> 00:46:27,785
<i>Most people are going to be hesitant
to do something</i>

882
00:46:27,868 --> 00:46:31,497
<i>when they don't know much about it.
They think, "I might lose money."</i>

883
00:46:31,580 --> 00:46:36,001
<i>But when you really realize
you losing money by not doing it,</i>

884
00:46:36,084 --> 00:46:37,795
<i>it's really the biggest like...</i>

885
00:46:38,295 --> 00:46:43,091
<i>Your bank account probably
is gonna give you, if you lucky, .06%.</i>

886
00:46:43,175 --> 00:46:44,885
<i>- So in other words, no money.
- None.</i>

887
00:46:44,968 --> 00:46:48,263
<i>By holding your money purely, right,</i>

888
00:46:48,347 --> 00:46:52,559
<i>you're losing the value of your money
because of something called inflation.</i>

889
00:46:52,643 --> 00:46:56,605
<i>And what I mean by inflation
is the rising prices of goods over time.</i>

890
00:46:57,648 --> 00:47:00,692
<i>Remember when we was kids, bro?
We could literally go to the corner store</i>

891
00:47:00,776 --> 00:47:02,069
<i>with a dollar, right?</i>

892
00:47:02,152 --> 00:47:03,737
<i>We could get four bags of chips.</i>

893
00:47:03,821 --> 00:47:07,241
<i>We could get some penny candy.
We could get 50-cent Zebra Cakes, right?</i>

894
00:47:07,324 --> 00:47:08,867
<i>Now with that same dollar,</i>

895
00:47:08,951 --> 00:47:12,496
<i>bro, you lucky to get one bag of chips
and a ten-cent bag to put it in.</i>

896
00:47:14,122 --> 00:47:16,375
<i>So the price of everything will go up.</i>

897
00:47:16,458 --> 00:47:18,627
<i>So it's like, okay, how can I ensure</i>

898
00:47:18,710 --> 00:47:20,754
<i>that my money still
going to be able to purchase</i>

899
00:47:20,838 --> 00:47:22,548
<i>what I want to be able to purchase?</i>

900
00:47:22,631 --> 00:47:25,050
<i>The only way you do that is by investing.</i>

901
00:47:30,639 --> 00:47:32,641
<i>[TENSE MUSIC PLAYS]</i>

902
00:47:34,184 --> 00:47:36,395
<i>[TEEZ] If I would've did
what I was supposed to do</i>

903
00:47:36,895 --> 00:47:40,065
<i>with the money I had
when I first got drafted,</i>

904
00:47:40,941 --> 00:47:43,193
<i>it might be a different story
for me right now,</i>

905
00:47:43,277 --> 00:47:47,197
<i>just because my financial situation
would've been more smoother than it is.</i>

906
00:47:51,034 --> 00:47:53,412
<i>[COMMENTATOR]</i> As we get closer</i>
to roster cut-down day,</i>

907
00:47:53,495 --> 00:47:56,832
<i>we'll keep a close eye on
all of the big moves the Bears might make.</i>

908
00:47:56,915 --> 00:47:59,585
<i>Every year, the 53-man roster cut-down day</i>

909
00:47:59,668 --> 00:48:02,045
<i>always brings some pretty big surprises.</i>

910
00:48:02,129 --> 00:48:05,674
<i>Overall it feels like
the 53's relatively set.</i>

911
00:48:05,757 --> 00:48:10,846
<i>So at this point,
it's just a matter of waiting things out.</i>

912
00:48:12,556 --> 00:48:13,682
<i>Hey, Mama.</i>

913
00:48:14,558 --> 00:48:16,226
<i>What are you doing, Daddy?</i>

914
00:48:16,935 --> 00:48:18,896
<i>Daddy's chillin'. Daddy just got off work.</i>

915
00:48:18,979 --> 00:48:20,939
<i>[WOMAN] So, any... any word?</i>

916
00:48:21,023 --> 00:48:23,275
<i>[INHALES DEEPLY] No, not yet.</i>

917
00:48:23,358 --> 00:48:25,444
<i>I should know something before Labor Day.</i>

918
00:48:25,986 --> 00:48:26,862
<i>[WOMAN] Okay.</i>

919
00:48:26,945 --> 00:48:30,991
<i>[TEEZ] Now that I'm 25,
hopefully by the time I'm 45,</i>

920
00:48:31,074 --> 00:48:32,743
<i>that same energy,</i>

921
00:48:32,826 --> 00:48:36,371
<i>that same knowledge,
that same passion I put into football,</i>

922
00:48:36,455 --> 00:48:39,458
<i>if I can get my stocks and my investments</i>

923
00:48:39,541 --> 00:48:42,836
<i>and my financial stuff straight
from 25 to 45,</i>

924
00:48:43,629 --> 00:48:45,422
<i>at 45, I should be set up.</i>

925
00:48:45,505 --> 00:48:48,175
<i>[WOMAN AND GIRL TALK INDISTINCTLY]</i>

926
00:48:57,809 --> 00:48:59,895
<i>- [EXHALES]
- [COMPUTER CHIMES]</i>

927
00:49:00,479 --> 00:49:01,480
<i>[ARIANA] Hi!</i>

928
00:49:01,563 --> 00:49:03,231
<i>Hi, Ariana! How are you?</i>

929
00:49:03,315 --> 00:49:04,691
<i>Good. How are you?</i>

930
00:49:04,775 --> 00:49:05,943
{\an8}<i>I'm good. I'm good. I'm good.</i>

931
00:49:06,026 --> 00:49:08,987
{\an8}<i>How's the homework going?
Like, you know, talk to me.</i>

932
00:49:09,071 --> 00:49:11,740
<i>The homework, I think, went well.</i>

933
00:49:12,407 --> 00:49:15,118
{\an8}<i>The separate accounts
has been really, really helpful so far</i>

934
00:49:15,202 --> 00:49:16,912
{\an8}<i>because I don't have to think
about anything.</i>

935
00:49:17,496 --> 00:49:20,582
<i>The minute my check is released,
it goes into these different funnels</i>

936
00:49:20,666 --> 00:49:22,584
<i>and, like, I only carry the card</i>

937
00:49:22,668 --> 00:49:25,212
<i>that is associated
with my spending account.</i>

938
00:49:25,295 --> 00:49:28,090
{\an8}<i>So, any more major or even minor changes</i>

939
00:49:28,173 --> 00:49:31,009
{\an8}<i>that you found yourself making
as it relates to your money?</i>

940
00:49:32,094 --> 00:49:34,930
<i>The "need it, love it,
like it, want it," um,</i>

941
00:49:35,013 --> 00:49:39,393
{\an8}<i>has that made me... stop a purchase?</i>

942
00:49:40,268 --> 00:49:44,022
{\an8}<i>I don't think so,
but it's making me pause at least.</i>

943
00:49:44,106 --> 00:49:48,151
{\an8}<i>The fact that you are
celebrating the awareness,</i>

944
00:49:48,235 --> 00:49:50,862
{\an8}<i>you know, I'm proud of you.
I know we have a lot of work to do,</i>

945
00:49:50,946 --> 00:49:54,199
{\an8}<i>and we're going to get to it,
but you're doing it! You're doing it.</i>

946
00:49:54,282 --> 00:49:56,118
{\an8}<i>- I promise you, you are.
- Thanks.</i>

947
00:49:56,201 --> 00:50:00,747
{\an8}<i>[SAD MUSIC PLAYS]</i>

948
00:50:02,207 --> 00:50:04,001
{\an8}<i>[ARIANA] I know I'm making progress,</i>

949
00:50:04,084 --> 00:50:07,838
<i>and I know that I'm working my butt off
to pay off all this credit card debt.</i>

950
00:50:09,214 --> 00:50:13,010
<i>At its peak, I think it was like $65,000.</i>

951
00:50:14,136 --> 00:50:16,138
<i>I feel like I'm like halfway done.</i>

952
00:50:16,638 --> 00:50:19,558
<i>I'll put that right there.
Actually, it's perfect. It fits.</i>

953
00:50:20,684 --> 00:50:24,062
<i>But I still hold so much guilt
and shame over it.</i>

954
00:50:26,565 --> 00:50:29,401
<i>Getting over those feelings,</i>

955
00:50:30,694 --> 00:50:34,698
<i>I think, is where I need to...
to focus on almost,</i>

956
00:50:36,324 --> 00:50:38,827
<i>because that's where
I feel the most stuck.</i>

957
00:50:41,496 --> 00:50:44,291
<i>[TIFFANY] Shame is one of
the worst emotions because it doesn't say,</i>

958
00:50:44,374 --> 00:50:46,209
<i>"You made a mistake."</i>

959
00:50:46,293 --> 00:50:47,753
<i>It says, "You are a mistake."</i>

960
00:50:47,836 --> 00:50:51,757
<i>And it keeps you in bondage.
It shields you from solutions.</i>

961
00:50:56,011 --> 00:50:59,222
<i>If you are
constantly afraid of your money,</i>

962
00:51:00,265 --> 00:51:04,186
{\an8}<i>that is going to negatively affect
the way you navigate with money.</i>

963
00:51:06,104 --> 00:51:09,357
{\an8}<i>If you are someone
who has this awesome money mindset</i>

964
00:51:09,441 --> 00:51:11,151
{\an8}<i>of abundance and growth,</i>

965
00:51:11,818 --> 00:51:15,322
{\an8}<i>then that is going to affect the way
your money shows up in your life.</i>

966
00:51:16,281 --> 00:51:20,202
<i>Your money will never do better
than what your mindset will allow.</i>

967
00:51:20,952 --> 00:51:22,954
<i>I got you! [MIMICS WATER SPLASH]</i>

968
00:51:24,122 --> 00:51:26,750
<i>[ARIANA] It makes me feel like
a bad partner,</i>

969
00:51:27,793 --> 00:51:29,211
<i>like a bad mom,</i>

970
00:51:29,753 --> 00:51:31,296
<i>that my past decisions</i>

971
00:51:32,130 --> 00:51:34,174
<i>are affecting my family so much.</i>

972
00:51:38,178 --> 00:51:41,973
<i>The fact that I'm paying more
than $2,000 a month in debt is ridiculous.</i>

973
00:51:42,057 --> 00:51:44,059
<i>It's half of my take-home pay.</i>

974
00:51:46,978 --> 00:51:49,397
<i>There's so many experiences
I want to give my kids</i>

975
00:51:49,481 --> 00:51:50,899
<i>that I'm not able to.</i>

976
00:51:53,527 --> 00:51:55,904
<i>And you work so hard, and you're trying...</i>

977
00:51:59,241 --> 00:52:01,576
<i>to make like a better life
for your family.</i>

978
00:52:04,121 --> 00:52:07,999
<i>If I didn't have these huge debt payments,</i>

979
00:52:09,334 --> 00:52:11,670
<i>there'd just be a lot more flexibility.</i>

980
00:52:12,671 --> 00:52:14,840
<i>Si! Si! Yeah!</i>

981
00:52:15,507 --> 00:52:16,341
<i>Oh, she's ready...</i>

982
00:52:16,424 --> 00:52:19,928
<i>We would be able to afford a house
with, you know, four bedrooms.</i>

983
00:52:20,011 --> 00:52:21,555
<i>You know, something as simple as that.</i>

984
00:52:23,473 --> 00:52:25,183
<i>- [KID] Bye!
- [MAN] Bye!</i>

985
00:52:25,267 --> 00:52:28,061
<i>[ARIANA] My husband probably
wouldn't have to work overtime every week.</i>

986
00:52:28,145 --> 00:52:29,521
<i>Say "Bye, Papi!"</i>

987
00:52:31,064 --> 00:52:35,318
<i>And I'm living on a month-to-month basis
with the fear that my car will break down.</i>

988
00:52:38,113 --> 00:52:40,365
<i>There's like, 140,000 miles on it.</i>

989
00:52:40,448 --> 00:52:43,034
<i>- [CAR ENGINE STARTS]
- [CAR BEEPS]</i>

990
00:52:43,118 --> 00:52:45,412
<i>If my car were to break down,</i>

991
00:52:47,455 --> 00:52:50,083
<i>I don't know how we would buy another one.</i>

992
00:52:54,629 --> 00:52:55,505
<i>Yeah.</i>

993
00:53:00,093 --> 00:53:02,721
<i>[CAR ENGINE REVVING]</i>

994
00:53:06,224 --> 00:53:07,475
<i>[JOHN] Oh!</i>

995
00:53:10,437 --> 00:53:14,941
<i>So we are at the Costco parking lot
in beautiful park-like Superior, Colorado,</i>

996
00:53:15,775 --> 00:53:17,319
<i>and I'm kinda excited to meet John here.</i>

997
00:53:17,402 --> 00:53:19,613
<i>See if we could teach this young man
how to grocery shop.</i>

998
00:53:20,989 --> 00:53:24,075
<i>He wasn't familiar with Costco,
so he was comparing everything</i>

999
00:53:24,159 --> 00:53:26,494
<i>to their previous levels of spending.</i>

1000
00:53:27,162 --> 00:53:28,955
<i>This is half the cost
of what we usually get,</i>

1001
00:53:29,039 --> 00:53:30,498
<i>but we'll have to grind it ourselves.</i>

1002
00:53:30,582 --> 00:53:31,833
<i>That makes it better.</i>

1003
00:53:32,334 --> 00:53:35,462
<i>That is significantly cheaper
than a shredded bag.</i>

1004
00:53:38,924 --> 00:53:41,384
<i>[PETE] I think we did
a $400 shopping trip there,</i>

1005
00:53:41,468 --> 00:53:45,972
<i>but it's the equivalent of $800 to $1,000
of their previous grocery spending.</i>

1006
00:53:46,056 --> 00:53:47,724
<i>I want this one!</i>

1007
00:53:47,807 --> 00:53:50,227
<i>[JOHN] I don't know
if we need these dog toys.</i>

1008
00:53:50,310 --> 00:53:51,645
<i>[GIRL LAUGHS]</i>

1009
00:53:51,728 --> 00:53:52,854
<i>[JOHN] What did you find?</i>

1010
00:53:53,939 --> 00:53:56,816
<i>[PETE] The basic idea is bulk pricing,</i>

1011
00:53:56,900 --> 00:53:58,777
<i>which means lower markups.</i>

1012
00:53:58,860 --> 00:54:01,571
<i>So, really,
it's cutting your cost per calorie.</i>

1013
00:54:01,655 --> 00:54:05,242
<i>It's also allowing you to make
bigger meals for your family super cheap.</i>

1014
00:54:08,203 --> 00:54:09,079
<i>[JOHN] Thank you!</i>

1015
00:54:11,998 --> 00:54:14,793
<i>So, uh, how do you think
we're doing so far</i>

1016
00:54:14,876 --> 00:54:19,714
<i>with us being, like, you know,
a couple months into our little program</i>

1017
00:54:19,798 --> 00:54:21,716
<i>of trying to optimize your life?</i>

1018
00:54:21,800 --> 00:54:25,553
<i>We think that we cut about $3,000.</i>

1019
00:54:30,016 --> 00:54:35,772
<i>So $3,000 per month is now cut off
of your expected future budget?</i>

1020
00:54:35,855 --> 00:54:36,815
<i>- Yeah.
- Yes.</i>

1021
00:54:36,898 --> 00:54:39,150
<i>Now if you really did that,
that's... that's pretty serious</i>

1022
00:54:39,234 --> 00:54:42,862
<i>'cause that's like
an entire family's budget...</i>

1023
00:54:42,946 --> 00:54:44,990
<i>- Very true.
- ...is now shaved off of your budget.</i>

1024
00:54:45,073 --> 00:54:47,617
<i>- Yeah.
- We dropped groceries down to $1,000.</i>

1025
00:54:47,701 --> 00:54:51,121
<i>Basically the Amazon shopping
fell to $168.</i>

1026
00:54:51,204 --> 00:54:54,165
<i>- That's quite a drop.
- Yeah, it was quite a drop.</i>

1027
00:54:54,249 --> 00:54:56,835
<i>Dining and drinks,
we didn't go out as much.</i>

1028
00:54:56,918 --> 00:55:00,088
<i>Presumably, this surplus is
going somewhere into investments.</i>

1029
00:55:00,171 --> 00:55:02,632
<i>So yeah, index fund, stock investments.</i>

1030
00:55:02,716 --> 00:55:03,591
<i>Yeah.</i>

1031
00:55:03,675 --> 00:55:08,054
<i>So have you felt it's been like
a harmonious process as a couple,</i>

1032
00:55:08,138 --> 00:55:11,141
<i>or have you felt
some of the typical stress?</i>

1033
00:55:11,224 --> 00:55:14,352
<i>Um, has it been a uniting
or a dividing force?</i>

1034
00:55:14,978 --> 00:55:17,272
<i>- Ultimately uniting.
- [BOTH LAUGH]</i>

1035
00:55:17,355 --> 00:55:19,566
<i>But yeah, for sure, dividing a little bit.</i>

1036
00:55:19,649 --> 00:55:22,319
<i>There was that solid week there.</i>

1037
00:55:22,986 --> 00:55:26,281
<i>- Where I went into food-saver mode.
- Yeah.</i>

1038
00:55:27,198 --> 00:55:30,368
<i>Where you're like, "Everything in
the fridge has to be eaten,"</i>

1039
00:55:30,452 --> 00:55:33,038
<i>but it definitely stirred up
some conflict.</i>

1040
00:55:34,831 --> 00:55:37,834
<i>[PETE] Frugality is sometimes
a dirty word in the United States,</i>

1041
00:55:37,917 --> 00:55:41,588
<i>but the idea is that a millionaire
is made $10 at a time.</i>

1042
00:55:41,671 --> 00:55:47,510
<i>$10 are like bricks in your castle
of becoming a millionaire.</i>

1043
00:55:47,594 --> 00:55:50,305
<i>Eventually, the idea of that
is just to discourage people</i>

1044
00:55:50,388 --> 00:55:52,015
<i>from just making impulse purchases.</i>

1045
00:55:52,098 --> 00:55:54,017
{\an8}<i>Like, "Oh, I'm walking past
an ice cream stand</i>

1046
00:55:54,100 --> 00:55:56,644
{\an8}<i>so I'll just buy
a couple ice cream cones for $10."</i>

1047
00:55:56,728 --> 00:55:58,897
<i>That can happen four times a day.</i>

1048
00:55:58,980 --> 00:56:02,734
<i>So $40 a day becomes $10,000 over a year,</i>

1049
00:56:02,817 --> 00:56:04,944
<i>just vaporized
with nothing to show for it.</i>

1050
00:56:06,404 --> 00:56:10,200
<i>So have you gotten into
any spreadsheet projections,</i>

1051
00:56:10,283 --> 00:56:12,869
<i>where you could have enough
to be financially independent?</i>

1052
00:56:12,952 --> 00:56:15,330
<i>I made a spreadsheet
based on what you were telling me,</i>

1053
00:56:15,413 --> 00:56:19,376
<i>where the 25 X your annual spending</i>

1054
00:56:19,459 --> 00:56:21,252
<i>is your FIRE number.</i>

1055
00:56:22,879 --> 00:56:25,215
<i>[PETE] Lots of people are using
the term FIRE,</i>

1056
00:56:25,298 --> 00:56:28,968
<i>which stands for
"financial independence retire early."</i>

1057
00:56:29,052 --> 00:56:31,554
<i>For me, I just call it early retirement.</i>

1058
00:56:31,638 --> 00:56:36,226
<i>The FIRE number just means
how much invested money do you need</i>

1059
00:56:36,309 --> 00:56:38,561
<i>to fund your desired lifestyle?</i>

1060
00:56:38,645 --> 00:56:42,315
{\an8}<i>So your main idea is
you would like to have a retirement budget</i>

1061
00:56:42,399 --> 00:56:46,361
{\an8}<i>of $9,000 per month, right?</i>

1062
00:56:46,444 --> 00:56:49,197
{\an8}<i>- Yeah.
- Which is, times 12, $108,000 a year.</i>

1063
00:56:49,280 --> 00:56:50,115
{\an8}<i>[JOHN] Mm-hmm.</i>

1064
00:56:50,198 --> 00:56:54,536
{\an8}<i>If you multiply that by 25,
you'd need a little over, uh, 2 million,</i>

1065
00:56:54,619 --> 00:56:56,329
{\an8}<i>- 2.5 million dollars...
- Yeah.</i>

1066
00:56:56,413 --> 00:56:57,956
{\an8}<i>...of investments to cover that.</i>

1067
00:56:58,039 --> 00:57:02,085
<i>How long would it take you
to save up to that level</i>

1068
00:57:02,168 --> 00:57:05,755
<i>under your current plan
of earning and spending?</i>

1069
00:57:05,839 --> 00:57:08,508
<i>By 2042.</i>

1070
00:57:08,591 --> 00:57:12,762
{\an8}<i>So Year 21, we would hit our FIRE number.</i>

1071
00:57:14,139 --> 00:57:17,267
{\an8}<i>[PETE] I see. So you're thinking
it would be 21 years...</i>

1072
00:57:17,350 --> 00:57:19,727
{\an8}<i>- Yeah.
- ...until financial independence.</i>

1073
00:57:19,811 --> 00:57:22,480
<i>- Which is not an early retirement.
- Yeah, but this it not...</i>

1074
00:57:22,564 --> 00:57:24,732
<i>- [LAUGHS] It is not an early retirement.
- [LAUGHS] No.</i>

1075
00:57:24,816 --> 00:57:26,860
<i>But if I continue to grow my business,</i>

1076
00:57:26,943 --> 00:57:30,363
<i>and I really hustled
for the next five years,</i>

1077
00:57:30,447 --> 00:57:34,909
<i>like, we could... we found
that we could retire in like, five years.</i>

1078
00:57:34,993 --> 00:57:36,786
<i>- [JOHN] Yeah.
- [KIM] It really just depends on</i>

1079
00:57:36,870 --> 00:57:39,205
<i>how much we want to hustle</i>

1080
00:57:39,289 --> 00:57:42,500
<i>versus, like, create time for our family.</i>

1081
00:57:43,376 --> 00:57:45,336
<i>How we want to spend our money,
all of that.</i>

1082
00:57:45,420 --> 00:57:47,881
<i>If you make a big change,
we'll adjust the spreadsheet,</i>

1083
00:57:47,964 --> 00:57:49,215
<i>and then stuff'll look better.</i>

1084
00:57:49,299 --> 00:57:50,467
<i>- [KIM] Great.
- Yeah.</i>

1085
00:57:50,550 --> 00:57:51,968
<i>[UPBEAT MUSIC PLAYS]</i>

1086
00:57:52,051 --> 00:57:54,512
<i>- Oh, nice foot pedal!
- [BOY] Yeah.</i>

1087
00:57:54,596 --> 00:57:56,014
<i>[PETE] I think the only roadblock</i>

1088
00:57:56,097 --> 00:57:59,809
<i>is that they still have
quite a high baseline of spending</i>

1089
00:57:59,893 --> 00:58:01,436
<i>even after making some changes.</i>

1090
00:58:02,395 --> 00:58:03,354
<i>You got this!</i>

1091
00:58:03,855 --> 00:58:06,191
<i>[PETE] Like they still spend about twice</i>

1092
00:58:06,274 --> 00:58:08,943
<i>what I would think is a reasonable maximum</i>

1093
00:58:09,027 --> 00:58:10,403
<i>for a family of four.</i>

1094
00:58:10,987 --> 00:58:14,073
<i>I kind of wish we could get them
a little more hardcore.</i>

1095
00:58:16,326 --> 00:58:18,328
<i>[UPBEAT MUSIC ENDS]</i>

1096
00:58:26,085 --> 00:58:27,545
<i>[EXHALES]</i>

1097
00:58:29,005 --> 00:58:29,881
<i>[INHALES]</i>

1098
00:58:30,632 --> 00:58:35,094
<i>So, I know that I had mentioned
to everyone previously</i>

1099
00:58:35,929 --> 00:58:38,431
<i>I struggle with anxiety and depression.</i>

1100
00:58:38,515 --> 00:58:41,476
<i>[SAD MUSIC PLAYS]</i>

1101
00:58:44,354 --> 00:58:45,980
<i>I don't know why I get like this.</i>

1102
00:58:46,064 --> 00:58:50,985
<i>I don't know why I get all excited
about things at first,</i>

1103
00:58:51,069 --> 00:58:54,781
<i>and it seems so possible,
and I was making such good progress.</i>

1104
00:58:54,864 --> 00:58:57,158
<i>And then something... [SOBS]</i>

1105
00:58:57,242 --> 00:58:59,244
<i>...just tells me I'm not good enough.</i>

1106
00:59:02,121 --> 00:59:05,792
<i>[INHALES] And that's one of
the main reasons that</i>

1107
00:59:07,043 --> 00:59:09,671
<i>I really, really want
to get health insurance</i>

1108
00:59:09,754 --> 00:59:14,509
<i>and get myself someone I can talk to
because I found that the only thing</i>

1109
00:59:14,592 --> 00:59:19,639
<i>that really helps, um,
is having consistent therapy.</i>

1110
00:59:22,725 --> 00:59:24,811
<i>Right now, it's really hard to tell</i>

1111
00:59:25,687 --> 00:59:31,442
<i>what are legitimate money worries
and what is just in my head.</i>

1112
00:59:38,449 --> 00:59:42,495
<i>[SPORTSCASTER 1]</i> The Chicago Bears'</i>
53-man roster is set!</i>

1113
00:59:42,579 --> 00:59:46,457
<i>[SPORTSCASTER 2]</i> Right now, Teez Tabor is</i>
weak and slow. Not a good look for...</i>

1114
00:59:46,541 --> 00:59:48,501
<i>[SPORTSCASTER 3]
Teez Tabor cannot play cornerback.</i>

1115
00:59:48,585 --> 00:59:50,169
<i>Certainly can't play it in the system...</i>

1116
00:59:50,253 --> 00:59:51,921
<i>[SPORTSCASTER 4]
Teez Tabor bounced around.</i>

1117
00:59:52,005 --> 00:59:54,799
<i>Now he sticks around with the Bears
on the practice squad.</i>

1118
00:59:56,050 --> 00:59:58,553
<i>[SCREEN CHIMES]</i>

1119
01:00:05,435 --> 01:00:06,519
<i>[EXHALES]</i>

1120
01:00:07,604 --> 01:00:09,272
<i>[BREATHES DEEPLY]</i>

1121
01:00:09,355 --> 01:00:12,150
<i>Just got back from, uh, the facility.</i>

1122
01:00:12,734 --> 01:00:14,485
<i>Got some good and bad news.</i>

1123
01:00:15,028 --> 01:00:18,072
<i>Feelin' a little bummed
about the news. Um...</i>

1124
01:00:20,199 --> 01:00:24,454
<i>I didn't make the 53-man roster,
but they want me back on practice squad.</i>

1125
01:00:25,371 --> 01:00:26,873
<i>So it's good and bad.</i>

1126
01:00:26,956 --> 01:00:29,000
<i>Um, not feeling too good</i>

1127
01:00:29,083 --> 01:00:31,961
<i>about, you know,
the position that I'm in right now,</i>

1128
01:00:32,045 --> 01:00:35,423
<i>but there's more opportunity
out there for me,</i>

1129
01:00:35,506 --> 01:00:37,258
<i>so just gotta keep grinding.</i>

1130
01:00:43,056 --> 01:00:45,433
<i>Okay, so this is going to be
a really quick update</i>

1131
01:00:45,516 --> 01:00:49,395
<i>because so much has happened
and I'm in the middle of work. Um...</i>

1132
01:00:50,271 --> 01:00:55,193
<i>[CLICKS TONGUE] So...
my car broke down yesterday.</i>

1133
01:00:58,363 --> 01:00:59,572
<i>Andrew's currently...</i>

1134
01:00:59,656 --> 01:01:00,865
<i>Thank God he's a mechanic.</i>

1135
01:01:00,948 --> 01:01:02,742
<i>He's currently working on it.</i>

1136
01:01:02,825 --> 01:01:05,036
<i>He has bought me a new alternator,</i>

1137
01:01:05,119 --> 01:01:07,580
<i>a new radiator, a new battery.</i>

1138
01:01:08,706 --> 01:01:12,251
<i>All I was thinking
is that I hope that it's fixable.</i>

1139
01:01:12,335 --> 01:01:13,336
<i>[CAR ENGINE STARTS]</i>

1140
01:01:13,419 --> 01:01:14,921
<i>- [ANDREW] Done!
- Thank you!</i>

1141
01:01:15,004 --> 01:01:17,590
<i>'Cause I can't afford
a car payment right now</i>

1142
01:01:17,674 --> 01:01:20,426
<i>and I don't have enough money saved up
to buy a car outright.</i>

1143
01:01:30,228 --> 01:01:31,396
<i>[SIGHS] Okay.</i>

1144
01:01:32,188 --> 01:01:36,067
<i>More updates about things.</i>

1145
01:01:37,068 --> 01:01:39,237
<i>I think we, like, landed in this process</i>

1146
01:01:39,320 --> 01:01:41,614
<i>at a really transitional point
in our lives</i>

1147
01:01:41,698 --> 01:01:44,534
<i>where we're going from struggling to save</i>

1148
01:01:44,617 --> 01:01:47,412
<i>to finally getting to a place
where we might actually save money.</i>

1149
01:01:47,995 --> 01:01:50,873
<i>You know what I would love to have
is like a conservative...</i>

1150
01:01:51,958 --> 01:01:53,751
<i>- [JOHN] Yeah.
- ...or best-case scenario.</i>

1151
01:01:53,835 --> 01:01:58,464
<i>Yeah, if we do that,
then we still have to save 136.</i>

1152
01:01:58,548 --> 01:02:01,467
<i>You're supposed to be saving
50% of your income</i>

1153
01:02:01,551 --> 01:02:03,469
<i>if you want to retire early,</i>

1154
01:02:03,553 --> 01:02:05,888
<i>but we're not coming
anywhere close to that.</i>

1155
01:02:05,972 --> 01:02:08,725
<i>So that feels like
a huge challenge for us.</i>

1156
01:02:22,572 --> 01:02:27,285
<i>[LINDSEY] I'd be lying if I said
I no longer got down on myself sometimes.</i>

1157
01:02:28,077 --> 01:02:32,498
<i>Adjusting to being my own boss
and that mental shift</i>

1158
01:02:32,582 --> 01:02:34,876
<i>has been a lot for me.</i>

1159
01:02:34,959 --> 01:02:39,964
<i>However, if and when
I do get in these modes again,</i>

1160
01:02:40,047 --> 01:02:43,926
<i>I reassure myself, "Look,
you were able to make this happen."</i>

1161
01:02:44,010 --> 01:02:47,054
<i>"There's no reason
that you can't do what's ahead of you."</i>

1162
01:02:51,267 --> 01:02:52,101
<i>[PAULA] All right.</i>

1163
01:02:52,810 --> 01:02:53,895
<i>How's the hustle?</i>

1164
01:02:53,978 --> 01:02:55,813
<i>Where do I even start?</i>

1165
01:02:55,897 --> 01:02:58,399
<i>The major one that I'm super excited about</i>

1166
01:02:58,483 --> 01:03:01,652
<i>- was signing a deal to do a mural project.
- Uh-huh.</i>

1167
01:03:02,945 --> 01:03:06,657
<i>[LINDSEY] So it's 11, uh, concrete pylons,</i>

1168
01:03:06,741 --> 01:03:10,328
<i>and they want me to paint
an abstract background</i>

1169
01:03:10,411 --> 01:03:13,915
<i>and then paint characters
on all of the pylons.</i>

1170
01:03:13,998 --> 01:03:16,417
<i>- [PAULA] Eleven? That's a big project!
- [LINDSEY] It is!</i>

1171
01:03:16,501 --> 01:03:21,506
<i>And because it's a big project,
I drafted out an entire plan</i>

1172
01:03:21,589 --> 01:03:24,383
<i>of how much materials were gonna cost.</i>

1173
01:03:24,467 --> 01:03:28,721
<i>I did my research, and I looked into
how much mural artists make.</i>

1174
01:03:28,805 --> 01:03:32,266
<i>So, I was able to get my bosses
to agree to 3,500.</i>

1175
01:03:32,350 --> 01:03:33,351
<i>- Wow.
- [LINDSEY] Yeah.</i>

1176
01:03:33,434 --> 01:03:34,435
<i>It's not bad at all.</i>

1177
01:03:34,519 --> 01:03:37,855
<i>I could definitely see myself
doing this professionally.</i>

1178
01:03:38,815 --> 01:03:41,150
<i>And when I think about it,
that's one of the reasons</i>

1179
01:03:41,234 --> 01:03:45,571
<i>that I moved to Austin in the first place.
I fell in love with Austin's murals.</i>

1180
01:03:45,655 --> 01:03:48,366
<i>So I thought, you know,
maybe one day I can figure out</i>

1181
01:03:48,449 --> 01:03:52,703
<i>how to make it into this business,
and it's finally happening.</i>

1182
01:03:52,787 --> 01:03:53,996
<i>[PAULA] That's awesome!</i>

1183
01:03:54,872 --> 01:03:57,667
<i>So the other big thing, um,</i>

1184
01:03:57,750 --> 01:04:01,379
<i>one of my regulars at work, he owns
his own independent fashion company.</i>

1185
01:04:01,462 --> 01:04:04,298
<i>And he hasn't been able
to keep up with the demand.</i>

1186
01:04:04,382 --> 01:04:06,884
<i>I was serving him beer,
then I lean in and I go,</i>

1187
01:04:07,385 --> 01:04:09,554
<i>"You know I went
to fashion school, right?"</i>

1188
01:04:10,847 --> 01:04:13,599
<i>- [MAN] Hey! What's up? Good to see you.
- Hey! Good to see you.</i>

1189
01:04:14,183 --> 01:04:16,853
<i>[MAN] We've got some really awesome stuff
that we're working on.</i>

1190
01:04:16,936 --> 01:04:20,439
<i>We've been assembling
and doing, uh, the jackets and whatnot.</i>

1191
01:04:21,315 --> 01:04:23,442
<i>We have these right here for you
you can start on.</i>

1192
01:04:23,526 --> 01:04:24,360
<i>Okay.</i>

1193
01:04:25,695 --> 01:04:27,947
<i>I started crying a little bit
because I realized</i>

1194
01:04:28,030 --> 01:04:32,493
<i>I'm finally doing something
with the skills I went to school for.</i>

1195
01:04:32,577 --> 01:04:35,913
<i>So I really see
a future with this company.</i>

1196
01:04:36,497 --> 01:04:39,333
<i>- Complete that. I'll set this here.
- Appreciate it.</i>

1197
01:04:41,043 --> 01:04:43,838
<i>[PAULA] The mindset that you have
where you're like,</i>

1198
01:04:43,921 --> 01:04:47,466
<i>"I'm surrounded by opportunity."
"I'm surrounded by abundance."</i>

1199
01:04:47,550 --> 01:04:51,429
<i>That mentality speaks a lot
to the success that you've had.</i>

1200
01:04:51,512 --> 01:04:54,348
<i>[LINDSEY] You've really got me
into this hustler mentality and I love it.</i>

1201
01:04:54,432 --> 01:04:58,686
<i>I feel like I'm always networking.
I'm always looking for opportunities now.</i>

1202
01:04:58,769 --> 01:05:00,354
<i>- [PAULA] Awesome.
- [LINDSEY] Yeah.</i>

1203
01:05:03,733 --> 01:05:04,692
{\an8}<i>[DINGS]</i>

1204
01:05:04,775 --> 01:05:07,153
{\an8}<i>How is your side hustle income adding up?</i>

1205
01:05:07,695 --> 01:05:11,073
<i>So, with the mural project
that I've started,</i>

1206
01:05:11,157 --> 01:05:13,451
<i>- I got 35% down...
- Mm-hmm.</i>

1207
01:05:13,534 --> 01:05:17,538
<i>...so I add that up with the things
that I got from the market.</i>

1208
01:05:18,456 --> 01:05:21,959
<i>And I keep getting dog-sitting stuff,
just sporadically.</i>

1209
01:05:22,043 --> 01:05:26,547
<i>- [PAULA] Yeah.
- [LINDSEY] And I've saved about 2,800.</i>

1210
01:05:26,631 --> 01:05:27,882
<i>[PAULA] Wow, that's amazing.</i>

1211
01:05:28,466 --> 01:05:29,383
<i>That's amazing.</i>

1212
01:05:29,467 --> 01:05:32,762
<i>[LINDSEY] I can't remember the last time
I had this much money saved up.</i>

1213
01:05:32,845 --> 01:05:35,932
<i>I know it's a small amount,
but it's more the principle of,</i>

1214
01:05:36,015 --> 01:05:37,808
<i>"I was able to get to this point."</i>

1215
01:05:37,892 --> 01:05:40,770
<i>Your creative career is, like, growing.</i>

1216
01:05:40,853 --> 01:05:44,649
<i>You know, just from the beginning
of this journey to now, it's... Pssh!</i>

1217
01:05:45,691 --> 01:05:49,445
<i>There's Lindsey Incorporated,
and that's your business,</i>

1218
01:05:49,528 --> 01:05:52,490
<i>and then there's Lindsey the individual,
and that's you.</i>

1219
01:05:52,573 --> 01:05:55,117
<i>- So here is my suggestion.
- Okay.</i>

1220
01:05:55,201 --> 01:05:57,370
<i>Open a brand-new bank account</i>

1221
01:05:57,453 --> 01:06:00,706
<i>that's automated specifically
for all of your business income.</i>

1222
01:06:00,790 --> 01:06:05,002
<i>Everything that comes in through all
of your creative career projects,</i>

1223
01:06:05,586 --> 01:06:08,047
<i>have it go directly to that bank account.</i>

1224
01:06:08,130 --> 01:06:12,051
<i>When it's time to file your taxes,
it'll be easier to spot deductions.</i>

1225
01:06:12,134 --> 01:06:16,889
<i>It puts Lindsey Incorporated
in a position to grow financially,</i>

1226
01:06:16,973 --> 01:06:20,601
<i>and it makes you legit
from a lending and credit perspective.</i>

1227
01:06:20,685 --> 01:06:23,562
<i>And imagine billing
one of your new mural clients</i>

1228
01:06:23,646 --> 01:06:24,897
<i>from a business account.</i>

1229
01:06:24,981 --> 01:06:28,192
<i>It gives you instant credibility
as an entrepreneur.</i>

1230
01:06:28,901 --> 01:06:31,112
<i>That's, like, step one</i>

1231
01:06:31,195 --> 01:06:34,824
<i>of growing something
that is going to be bigger than just you.</i>

1232
01:06:34,907 --> 01:06:36,117
<i>That's so exciting.</i>

1233
01:06:36,200 --> 01:06:38,202
<i>[UPBEAT MUSIC PLAYS]</i>

1234
01:06:40,079 --> 01:06:45,292
<i>[LINDSAY] To me, what it means
to be finally doing something with art,</i>

1235
01:06:45,376 --> 01:06:47,169
<i>and this may sound hokey,</i>

1236
01:06:47,253 --> 01:06:51,007
<i>but it feels like something
I was meant to do.</i>

1237
01:06:51,716 --> 01:06:55,386
<i>It can be an uphill battle,
but I feel like I've got a good start.</i>

1238
01:06:55,970 --> 01:06:59,974
<i>I can see me
doing these things for a long time,</i>

1239
01:07:00,057 --> 01:07:03,519
<i>and after a while,
it is going to start adding up.</i>

1240
01:07:05,229 --> 01:07:08,482
<i>And that in itself is
the most gratifying thing in the world.</i>

1241
01:07:13,154 --> 01:07:14,905
<i>[UPBEAT MUSIC ENDS]</i>

1242
01:07:16,532 --> 01:07:17,658
<i>Hi. How you doin'?</i>

1243
01:07:18,242 --> 01:07:19,452
<i>[TEEZ] I see you got on...</i>

1244
01:07:19,535 --> 01:07:21,495
<i>[RO$$] How you livin'?
You know I gotta come clean.</i>

1245
01:07:21,579 --> 01:07:23,289
<i>- How you been?
- I'm good. How are you?</i>

1246
01:07:23,372 --> 01:07:25,166
<i>[RO$$] Man, I'm all good, man.</i>

1247
01:07:26,333 --> 01:07:29,879
<i>Catch me up in terms of kinda
where you at with the team and all that.</i>

1248
01:07:29,962 --> 01:07:32,423
<i>What exactly does the practice squad mean?</i>

1249
01:07:32,506 --> 01:07:33,883
<i>Practice squad is like,</i>

1250
01:07:33,966 --> 01:07:39,680
<i>"Okay, well, something happened
to somebody on our active roster."</i>

1251
01:07:39,764 --> 01:07:41,891
<i>"We need a guy that, you know,
we've been grooming."</i>

1252
01:07:41,974 --> 01:07:45,603
<i>"You know, a guy that knows our system
that we feel like can go play for us."</i>

1253
01:07:45,686 --> 01:07:47,897
<i>- [RO$$] Mm-hmm.
- So that's what the practice squad is.</i>

1254
01:07:47,980 --> 01:07:50,608
<i>You do everything that active do.</i>

1255
01:07:50,691 --> 01:07:51,859
<i>- It's no different.
- Okay.</i>

1256
01:07:51,942 --> 01:07:55,905
<i>- Just on game day, you don't play.
- [RO$$] Got you.</i>

1257
01:07:55,988 --> 01:08:00,743
<i>From a, like, finance standpoint, like,
how much do you make on the practice team?</i>

1258
01:08:00,826 --> 01:08:03,079
<i>So P squad, you get 10K a week.</i>

1259
01:08:03,162 --> 01:08:04,622
<i>Is that money guaranteed?</i>

1260
01:08:04,705 --> 01:08:08,626
<i>- Or you could technically get cut?
- Yeah. They can terminate you at any time.</i>

1261
01:08:08,709 --> 01:08:09,919
<i>Oh, wow.</i>

1262
01:08:12,004 --> 01:08:15,049
{\an8}<i>- [SCREEN WHIRRING]
- [CASH REGISTER CLINGS]</i>

1263
01:08:15,132 --> 01:08:17,551
<i>The average person,
their earning potential is linear.</i>

1264
01:08:17,635 --> 01:08:21,305
<i>It goes up. You get wiser,
get a promotion, it keeps going.</i>

1265
01:08:22,139 --> 01:08:24,433
<i>- [EXHALES]
- [RO$$] When it come to athletes,</i>

1266
01:08:24,517 --> 01:08:28,104
<i>their earning potential plateaus
before the age of 30,</i>

1267
01:08:28,187 --> 01:08:29,772
<i>and it just starts going down.</i>

1268
01:08:29,855 --> 01:08:31,315
<i>[GRUNTING]</i>

1269
01:08:31,398 --> 01:08:34,026
<i>You need to start planning
for your last day, day one.</i>

1270
01:08:42,034 --> 01:08:43,828
<i>And now, you investing! Talk to me.</i>

1271
01:08:43,911 --> 01:08:46,956
<i>What questions you got for me?
You in the S&amp;P and the Nasdaq, right?</i>

1272
01:08:47,039 --> 01:08:49,208
<i>- I bought two more too though.
- [RO$$] What you got?</i>

1273
01:08:49,291 --> 01:08:50,292
<i>Apple and Facebook.</i>

1274
01:08:51,544 --> 01:08:52,878
<i>Couldn't have went better.</i>

1275
01:08:52,962 --> 01:08:56,132
<i>Yeah, I seen it, one day
I had went on the E-Trade app,</i>

1276
01:08:56,215 --> 01:08:58,217
<i>and, like, it was in red a little bit.</i>

1277
01:08:59,176 --> 01:09:01,137
<i>What happens if the S&amp;P goes down?</i>

1278
01:09:01,220 --> 01:09:03,556
<i>It's not a "what if," it will go down.</i>

1279
01:09:03,639 --> 01:09:05,891
<i>- [JEEZ] Oh.
- That's the thing you can be certain of.</i>

1280
01:09:05,975 --> 01:09:07,852
<i>Every day, it's a roller coaster.</i>

1281
01:09:07,935 --> 01:09:09,770
<i>It goes up sometimes. It goes down.</i>

1282
01:09:09,854 --> 01:09:13,232
<i>But the thing is that if it does go down,
don't panic.</i>

1283
01:09:13,315 --> 01:09:16,694
<i>Don't take your money out
because it's going to go back up.</i>

1284
01:09:16,777 --> 01:09:20,948
<i>Every month, we buying a little bit,
and you're gonna look back in five years</i>

1285
01:09:21,448 --> 01:09:23,450
<i>like, "Damn, I wish
I would have bought more!"</i>

1286
01:09:23,534 --> 01:09:24,368
<i>Mm-hmm.</i>

1287
01:09:24,451 --> 01:09:27,454
<i>I think you should pull, you know, upwards
of a thousand dollars every month.</i>

1288
01:09:27,538 --> 01:09:29,248
<i>- I'm saying more.
- That we can invest.</i>

1289
01:09:29,331 --> 01:09:31,959
<i>- More like five! Ten!
- [RO$$] Yeah, five racks every month.</i>

1290
01:09:34,712 --> 01:09:35,838
<i>[DINGS]</i>

1291
01:09:35,921 --> 01:09:38,841
<i>Aight, so last time,
you only wanted to start with a G.</i>

1292
01:09:38,924 --> 01:09:39,758
<i>Mm-hmm.</i>

1293
01:09:39,842 --> 01:09:42,511
<i>And now you sayin' you down
to do like five racks a month. Why?</i>

1294
01:09:42,595 --> 01:09:45,264
<i>'Cause I see it's... it's good.</i>

1295
01:09:45,347 --> 01:09:47,183
<i>[BOTH LAUGH]</i>

1296
01:09:47,266 --> 01:09:51,395
<i>I put 1,000 in there now,
my 1,000 is more than 1,000.</i>

1297
01:09:51,478 --> 01:09:52,688
<i>And I ain't do nothing.</i>

1298
01:09:52,771 --> 01:09:54,356
<i>As we continue to grow,</i>

1299
01:09:54,440 --> 01:09:56,567
<i>you gonna get
more and more comfortable with it.</i>

1300
01:09:56,650 --> 01:09:59,278
<i>And the money management. Right?
It's a lifestyle. Right?</i>

1301
01:09:59,361 --> 01:10:01,572
<i>And I think you gonna get adapted to it</i>

1302
01:10:01,655 --> 01:10:04,867
<i>and start making way better,
sound financial decisions,</i>

1303
01:10:04,950 --> 01:10:06,911
<i>as well as great investments.</i>

1304
01:10:14,210 --> 01:10:16,795
<i>[ARIANA] So, towing the car home,</i>

1305
01:10:16,879 --> 01:10:19,924
<i>plus all the car parts
is like $1200 altogether.</i>

1306
01:10:20,007 --> 01:10:21,508
<i>I was just like, "Okay."</i>

1307
01:10:21,592 --> 01:10:25,429
<i>Is the car fixed-fixed,
or is it like Band-Aid fixed?</i>

1308
01:10:25,512 --> 01:10:26,555
<i>[SIGHS]</i>

1309
01:10:26,639 --> 01:10:30,976
<i>It's fixed-fixed but feels like a Band-Aid
because the car is like a 2004.</i>

1310
01:10:31,060 --> 01:10:33,145
<i>- So I'm trying to save up some money...
- Okay.</i>

1311
01:10:33,229 --> 01:10:35,231
<i>...until I'm able
to put a down payment on something.</i>

1312
01:10:35,314 --> 01:10:38,442
<i>So an emergency came,
your worst-case fear emergency came,</i>

1313
01:10:38,525 --> 01:10:40,152
<i>but you handled it</i>

1314
01:10:40,236 --> 01:10:43,572
<i>because you had the money
flowing to your emergency account.</i>

1315
01:10:43,656 --> 01:10:47,368
<i>And let me tell you that your voice,
it's going in my head,</i>

1316
01:10:47,451 --> 01:10:49,328
<i>- "This is what the emergency fund is for."
- Yes.</i>

1317
01:10:49,411 --> 01:10:52,831
<i>"This is an emergency, it's okay.
Just spend the money."</i>

1318
01:10:52,915 --> 01:10:54,875
<i>Automation is the new discipline.</i>

1319
01:10:54,959 --> 01:10:56,377
<i>That calls for celebration.</i>

1320
01:10:56,961 --> 01:11:00,881
<i>So now let's talk about credit cards.
How many credit cards do you have now?</i>

1321
01:11:00,965 --> 01:11:06,428
<i>- One, two, three, four, five, six, seven...
- Okay.</i>

1322
01:11:07,346 --> 01:11:11,934
<i>One, two, three,
four, five, six, seven, eight.</i>

1323
01:11:12,017 --> 01:11:14,228
<i>- Okay.
- Nine if you count like, PayPal.</i>

1324
01:11:14,311 --> 01:11:17,481
<i>So what is going on your credit cards?
What do your swipes look like?</i>

1325
01:11:17,564 --> 01:11:19,441
<i>- Target is my nemesis.
- [TIFFANY] Mm-hmm.</i>

1326
01:11:19,525 --> 01:11:21,193
<i>[CLICKS TONGUE]
Like it is with many people.</i>

1327
01:11:21,277 --> 01:11:24,154
<i>I've been doing a lot
of Whole Food deliveries.</i>

1328
01:11:24,238 --> 01:11:25,823
<i>- Because...
- [TIFFANY] So food shopping.</i>

1329
01:11:25,906 --> 01:11:27,074
<i>[ARIANA] Food shopping.</i>

1330
01:11:32,037 --> 01:11:32,871
<i>[DINGS]</i>

1331
01:11:34,832 --> 01:11:35,874
<i>[TIFFANY] Here's the thing.</i>

1332
01:11:35,958 --> 01:11:40,462
<i>Every time you swipe your credit card,
you're literally taking out a loan.</i>

1333
01:11:40,963 --> 01:11:45,676
<i>So if you can't pay them off
in full every month, ask yourself,</i>

1334
01:11:45,759 --> 01:11:51,098
<i>"Do I want to spend an extra 16% on this?"
Because that's the average interest rate.</i>

1335
01:11:52,933 --> 01:11:56,020
<i>So I want you to make the shift
from spending from credit</i>

1336
01:11:56,103 --> 01:11:57,563
<i>to spending from checking.</i>

1337
01:11:57,646 --> 01:11:58,480
<i>Okay.</i>

1338
01:11:58,564 --> 01:12:02,234
<i>I want the next month
a no-credit-card-usage month.</i>

1339
01:12:02,818 --> 01:12:04,528
<i>You know,
'cause that's gonna be a reframe.</i>

1340
01:12:04,611 --> 01:12:06,488
<i>- Yeah.
- That's literally your word of the day,</i>

1341
01:12:06,572 --> 01:12:08,032
<i>to reframe.</i>

1342
01:12:08,115 --> 01:12:08,991
<i>Okay.</i>

1343
01:12:09,700 --> 01:12:11,618
<i>["BARCAROLLE" PLAYING]</i>

1344
01:12:43,400 --> 01:12:47,529
<i>[ARIANA] Can I get an iced
grande Americano, please?</i>

1345
01:12:48,447 --> 01:12:51,325
<i>[TIFFANY] What I would really love
to see Ariana do with her credit cards</i>

1346
01:12:51,408 --> 01:12:54,703
<i>is to consistently pay them
every month in full.</i>

1347
01:12:58,290 --> 01:13:00,626
<i>I would like to see
that she honestly stops spending</i>

1348
01:13:00,709 --> 01:13:02,086
<i>from credit cards altogether,</i>

1349
01:13:02,878 --> 01:13:06,507
<i>that she leans into the money
that she has set aside for spending.</i>

1350
01:13:08,634 --> 01:13:10,469
<i>[ARIANA] All right,
so I just got out of Target.</i>

1351
01:13:11,678 --> 01:13:13,180
<i>I stuck to my list.</i>

1352
01:13:13,263 --> 01:13:15,432
<i>Um, I only bought
a couple things for the kids,</i>

1353
01:13:15,516 --> 01:13:17,101
<i>and I paid with my debit card</i>

1354
01:13:17,184 --> 01:13:19,895
<i>even though that was
quite anxiety-producing.</i>

1355
01:13:19,978 --> 01:13:22,773
<i>But it's funny 'cause I know
there's enough money on my debit card</i>

1356
01:13:22,856 --> 01:13:26,193
<i>to cover whatever I bought.
I still didn't want to do it.</i>

1357
01:13:27,861 --> 01:13:29,488
<i>["BARCAROLLE" ENDS]</i>

1358
01:13:34,743 --> 01:13:35,786
<i>[BOY MUMBLES]</i>

1359
01:13:36,620 --> 01:13:38,288
<i>[BOTH LAUGH]</i>

1360
01:13:38,372 --> 01:13:39,790
<i>[BOY MUMBLES]</i>

1361
01:13:39,873 --> 01:13:42,960
<i>[JOHN] He was talking about pushing
the ball forward in the right direction.</i>

1362
01:13:43,877 --> 01:13:44,711
<i>The other one on top.</i>

1363
01:13:44,795 --> 01:13:47,339
<i>It feels like we did a lot
of the really simple things,</i>

1364
01:13:47,423 --> 01:13:51,427
<i>like less Amazon spending,
more conscious grocery shopping.</i>

1365
01:13:51,510 --> 01:13:57,266
<i>So we've decided to downsize
and sell our house here in Colorado.</i>

1366
01:13:58,225 --> 01:14:00,227
<i>[BOY TALKS INDISTINCTLY]</i>

1367
01:14:01,520 --> 01:14:04,773
<i>[KIM] We can't reduce
our spending that much.</i>

1368
01:14:04,857 --> 01:14:07,609
<i>So the biggest expense
we have is our house.</i>

1369
01:14:09,903 --> 01:14:14,450
<i>Every year, our mortgage
on this house is like $36,000.</i>

1370
01:14:14,533 --> 01:14:17,911
<i>So if we can cut that in half,</i>

1371
01:14:17,995 --> 01:14:20,164
<i>we can invest that $18,000.</i>

1372
01:14:20,747 --> 01:14:22,458
<i>Also, when we downsize,</i>

1373
01:14:22,541 --> 01:14:26,170
<i>we can have
a short-term rental on that property</i>

1374
01:14:26,253 --> 01:14:29,423
<i>and hopefully pay for our new mortgage.</i>

1375
01:14:31,008 --> 01:14:34,303
<i>So we can definitely hit
our FIRE number way sooner</i>

1376
01:14:34,970 --> 01:14:37,097
<i>and then have a choice about work.</i>

1377
01:14:40,100 --> 01:14:41,894
<i>[PETE] If housing is expensive
where you live,</i>

1378
01:14:41,977 --> 01:14:43,312
<i>then you should be more efficient.</i>

1379
01:14:43,395 --> 01:14:47,900
<i>And you can really catapult yourself
to early retirement a lot earlier</i>

1380
01:14:47,983 --> 01:14:49,985
<i>if you're willing
to take such a bold step.</i>

1381
01:14:53,238 --> 01:14:54,072
{\an8}<i>[DINGS]</i>

1382
01:14:58,827 --> 01:15:01,663
{\an8}<i>[PETE] I guess the idea is
just having the house in good condition.</i>

1383
01:15:02,164 --> 01:15:05,000
<i>- So it looks nicer when you're selling it.
- [JOHN] Exactly.</i>

1384
01:15:05,584 --> 01:15:07,336
<i>- [PETE] Okay, so the plan here...
- [JOHN] Yeah.</i>

1385
01:15:07,419 --> 01:15:09,630
<i>We're gonna max
this area out with shelves.</i>

1386
01:15:09,713 --> 01:15:10,547
<i>[JOHN] Yeah.</i>

1387
01:15:10,631 --> 01:15:12,674
<i>Starting with some 18s and then doing 15...</i>

1388
01:15:12,758 --> 01:15:14,176
<i>Actually 16s and 15s.</i>

1389
01:15:14,259 --> 01:15:15,636
<i>- All the way to the top.
- Okay.</i>

1390
01:15:16,887 --> 01:15:20,265
<i>[PETE] It often takes longer
to find a person like a contractor</i>

1391
01:15:20,349 --> 01:15:22,059
<i>to come help you with something.</i>

1392
01:15:22,142 --> 01:15:24,686
<i>Just do it yourself, build the skills.</i>

1393
01:15:24,770 --> 01:15:26,396
<i>It's incredibly satisfying.</i>

1394
01:15:26,480 --> 01:15:29,483
<i>And it just happens to save you
a shit-ton of money.</i>

1395
01:15:29,566 --> 01:15:30,567
<i>- Good enough.
- [EXHALES]</i>

1396
01:15:31,276 --> 01:15:35,781
<i>- At this point, we're gonna get serious.
- [LAUGHS]</i>

1397
01:15:35,864 --> 01:15:38,575
<i>- I'm still cold. I'm gonna keep mine on.
- Yeah.</i>

1398
01:15:40,702 --> 01:15:43,121
<i>[JOHN] Pete has
a lot of resources on frugality,</i>

1399
01:15:43,205 --> 01:15:46,875
<i>but our work with Pete has centered around</i>

1400
01:15:46,959 --> 01:15:49,294
<i>our mindset when it comes to money.</i>

1401
01:15:50,170 --> 01:15:51,004
<i>[PETE] Yeah.</i>

1402
01:15:52,714 --> 01:15:54,299
<i>[JOHN] Pete's coaching has been</i>

1403
01:15:55,175 --> 01:15:59,054
<i>more about being deliberate
and responsible in your choices.</i>

1404
01:15:59,137 --> 01:16:00,222
<i>[SAW WHIRRING]</i>

1405
01:16:00,305 --> 01:16:03,725
<i>I think the main thing
we were learning from Pete</i>

1406
01:16:03,809 --> 01:16:10,607
<i>was to live our life
in a joyful, responsible way.</i>

1407
01:16:10,691 --> 01:16:16,613
<i>Like, I think his main message to us
has never been, "Only save money."</i>

1408
01:16:16,697 --> 01:16:20,576
<i>It's been, "Save money,
but also don't wait to live your life</i>

1409
01:16:20,659 --> 01:16:22,703
<i>and spend time with your kids."</i>

1410
01:16:24,371 --> 01:16:26,248
<i>[SAW STOPS]</i>

1411
01:16:33,088 --> 01:16:36,091
<i>- [LINDSEY] Should I get tortillas prepped?
- [MAN TALKS INDISTINCTLY]</i>

1412
01:16:36,174 --> 01:16:38,719
<i>Here. I'll start cutting an onion,</i>

1413
01:16:38,802 --> 01:16:41,138
<i>and then you can sauté them up.</i>

1414
01:16:41,638 --> 01:16:42,639
<i>[LINDSEY] Okay.</i>

1415
01:16:42,723 --> 01:16:45,100
<i>- You want me to throw some butter in?
- [MAN] Yeah.</i>

1416
01:16:47,019 --> 01:16:51,940
<i>[LINDSEY] So I've learned
a lot about food spending in this process.</i>

1417
01:16:52,441 --> 01:16:57,070
<i>We are not spending the money
we did before with take-out every night.</i>

1418
01:16:58,071 --> 01:16:59,823
<i>What are you doing?</i>

1419
01:17:00,949 --> 01:17:04,036
<i>- I'm cutting avocado. [CHUCKLES]
- Okay.</i>

1420
01:17:04,119 --> 01:17:07,122
<i>[LINDSEY] Getting away from Uber Eats
and ordering take-out,</i>

1421
01:17:07,205 --> 01:17:12,377
<i>I think that contributed a lot
to no longer being paycheck to paycheck.</i>

1422
01:17:12,878 --> 01:17:15,672
<i>That allowed me to actually save</i>

1423
01:17:15,756 --> 01:17:18,842
<i>the money that I was earning
through my art projects.</i>

1424
01:17:18,925 --> 01:17:20,927
<i>There is more breathing room.</i>

1425
01:17:23,680 --> 01:17:26,975
{\an8}<i>Carey just got promoted
to head chef at his company.</i>

1426
01:17:27,059 --> 01:17:29,102
<i>They are offering him free healthcare.</i>

1427
01:17:29,186 --> 01:17:34,191
<i>And as his partner, I can get on
his healthcare for a small price.</i>

1428
01:17:34,775 --> 01:17:37,152
<i>So whenever I do get health insurance,</i>

1429
01:17:37,235 --> 01:17:40,864
<i>one of the primary things I want
to take care of has been mental health.</i>

1430
01:17:40,947 --> 01:17:42,157
<i>[CAREY LAUGHS]</i>

1431
01:17:42,240 --> 01:17:44,743
<i>I think therapy is always a good idea.</i>

1432
01:17:45,243 --> 01:17:48,080
<i>So I'm very anxious
to be getting started with that again.</i>

1433
01:17:51,249 --> 01:17:53,001
<i>While I have been painting,</i>

1434
01:17:53,085 --> 01:17:55,796
<i>the pylon project at Hop Squad
is kind of cool.</i>

1435
01:17:55,879 --> 01:17:57,089
<i>People will come up to me,</i>

1436
01:17:57,172 --> 01:18:00,801
<i>ask to take pictures,
and they'll ask for my business card.</i>

1437
01:18:00,884 --> 01:18:03,720
<i>I've had people tell me
they're looking for a fence</i>

1438
01:18:03,804 --> 01:18:07,432
<i>in their neighborhood painted
with a mural or little things like that.</i>

1439
01:18:09,267 --> 01:18:12,062
<i>So I've got a few leads that way.</i>

1440
01:18:15,357 --> 01:18:18,652
<i>Hop Squad really, really, really want
to support my art,</i>

1441
01:18:18,735 --> 01:18:21,279
<i>and they gave me this amazing opportunity</i>

1442
01:18:21,363 --> 01:18:24,991
<i>where I'm going to be doing art classes
once a month for them now.</i>

1443
01:18:25,075 --> 01:18:28,120
<i>You just have paint markers here.
They're very easy to use,</i>

1444
01:18:28,203 --> 01:18:30,414
<i>so you don't have to worry
about brush strokes.</i>

1445
01:18:30,497 --> 01:18:31,456
<i>And after you're done...</i>

1446
01:18:31,540 --> 01:18:35,544
<i>The best part of that too,
is whenever I do my art nights,</i>

1447
01:18:35,627 --> 01:18:39,339
<i>they want me to set up a booth
and set up my paintings for sale.</i>

1448
01:18:41,967 --> 01:18:45,137
<i>My entire goal was
to get out of the service industry,</i>

1449
01:18:45,220 --> 01:18:47,764
<i>and I feel like
I am actually planting roots</i>

1450
01:18:47,848 --> 01:18:50,058
<i>for my future, and it's flourishing.</i>

1451
01:18:53,228 --> 01:18:55,063
<i>When I started this process,</i>

1452
01:18:55,147 --> 01:18:58,316
<i>I didn't think I was
in the right place in life,</i>

1453
01:18:58,817 --> 01:19:00,652
<i>but I realized along the way,</i>

1454
01:19:00,736 --> 01:19:04,030
<i>once I started doing things that I love</i>

1455
01:19:04,656 --> 01:19:08,994
<i>and building something,
creating something from the bottom,</i>

1456
01:19:10,245 --> 01:19:14,249
<i>that is success to me now.
Success is happiness.</i>

1457
01:19:20,088 --> 01:19:21,840
<i>[CROWD CHEERS]</i>

1458
01:19:21,923 --> 01:19:24,426
<i>[COMMENTATOR]</i> Been a pleasure.</i>
Good evening, everybody walking in.</i>

1459
01:19:24,509 --> 01:19:26,136
<i>The Bears and Buccaneers in Tampa.</i>

1460
01:19:33,310 --> 01:19:35,145
<i>I just got some real good news.</i>

1461
01:19:35,645 --> 01:19:37,272
<i>Got an exciting phone call.</i>

1462
01:19:37,355 --> 01:19:39,858
<i>I'm playing my first game
with the Chicago Bears</i>

1463
01:19:39,941 --> 01:19:41,943
<i>after six weeks on practice squad.</i>

1464
01:19:42,027 --> 01:19:44,529
<i>I'm going against Tom Brady and the Bucks.</i>

1465
01:19:44,613 --> 01:19:45,697
<i>Should be fun.</i>

1466
01:19:46,239 --> 01:19:48,325
<i>[CROWD CHEERS]</i>

1467
01:19:48,408 --> 01:19:51,578
<i>Teez! Let's go!
I had to come to your first game, baby!</i>

1468
01:19:54,790 --> 01:19:56,333
<i>[COMMENTATOR 1] {\an8}Third and ten.</i>

1469
01:19:58,752 --> 01:20:00,086
<i>That's broken up.</i>

1470
01:20:00,962 --> 01:20:03,924
<i>[COMMENTATOR 2]</i> Teez Tabor is the one</i>
who knocked it down.</i>

1471
01:20:04,007 --> 01:20:06,676
<i>[MAN] There we go, Teez! Yes, sir!</i>

1472
01:20:07,302 --> 01:20:09,763
<i>[TEEZ] I was just so excited
because I haven't got to play</i>

1473
01:20:09,846 --> 01:20:12,098
<i>in an NFL game for almost three years,</i>

1474
01:20:12,891 --> 01:20:14,810
<i>so it's just a long time coming.</i>

1475
01:20:22,150 --> 01:20:24,736
<i>Going from practice squad
to active roster,</i>

1476
01:20:24,820 --> 01:20:26,571
<i>there's a big difference in the pay.</i>

1477
01:20:31,076 --> 01:20:34,746
<i>The money coming in now is different
than when I first got in the league.</i>

1478
01:20:34,830 --> 01:20:40,001
<i>I already know I'm putting certain amount
in the S&amp;P like I'm paying a bill.</i>

1479
01:20:43,088 --> 01:20:43,922
<i>[DINGS]</i>

1480
01:20:44,005 --> 01:20:45,966
<i>So I'm just getting started,</i>

1481
01:20:46,049 --> 01:20:49,344
<i>but I'm definitely
setting my family up for the better.</i>

1482
01:20:50,470 --> 01:20:53,765
<i>- Daddy's hair are messy!
- [LAUGHS] It's all messy?</i>

1483
01:20:53,849 --> 01:20:56,309
<i>- Need to comb all of it.
- Yeah, you gotta get it right.</i>

1484
01:20:56,393 --> 01:20:58,937
<i>[TEEZ] When I look at Chelsea and Ariah
with this new knowledge,</i>

1485
01:20:59,020 --> 01:21:02,023
<i>it definitely makes me feel
like a better provider.</i>

1486
01:21:02,524 --> 01:21:05,110
<i>Eye! You know, eye!</i>

1487
01:21:05,193 --> 01:21:07,404
<i>His blue eyes!</i>

1488
01:21:07,487 --> 01:21:10,949
<i>[TEEZ] To be able to help
especially those two people in my life...</i>

1489
01:21:11,449 --> 01:21:12,868
<i>Okay, let's go take a look!</i>

1490
01:21:12,951 --> 01:21:13,910
<i>...for life.</i>

1491
01:21:14,411 --> 01:21:15,871
<i>And... And that's the biggest thing.</i>

1492
01:21:17,289 --> 01:21:19,040
<i>[ARIANA] I think it looks amazing.</i>

1493
01:21:19,124 --> 01:21:21,376
<i>I think he just needs some lip gloss,
then he's all done.</i>

1494
01:21:21,459 --> 01:21:23,461
<i>You look so beautiful!</i>

1495
01:21:23,545 --> 01:21:25,255
<i>I'm very passionate about</i>

1496
01:21:25,338 --> 01:21:27,549
<i>giving the knowledge I got
back to the community.</i>

1497
01:21:27,632 --> 01:21:29,593
<i>[UPTEMPO INSTRUMENTAL MUSIC PLAYS]</i>

1498
01:21:29,676 --> 01:21:31,219
<i>[PEOPLE LAUGHING]</i>

1499
01:21:33,388 --> 01:21:34,389
<i>[INDISTINCT CHATTER]</i>

1500
01:21:34,472 --> 01:21:38,476
<i>Helping them have a different outlook
on money and how to use it.</i>

1501
01:21:41,521 --> 01:21:44,482
<i>See, when I got to the NFL,
it was... it was showtime for me.</i>

1502
01:21:45,442 --> 01:21:49,905
<i>Man, I'm looking... I'm looking sweet now.
I can finally buy my own shoes.</i>

1503
01:21:49,988 --> 01:21:52,532
<i>I got my own crib.
You know what I'm saying?</i>

1504
01:21:52,616 --> 01:21:54,409
<i>I got my own jewelry. You know...</i>

1505
01:21:54,492 --> 01:21:56,369
<i>I mean, I was spending it before I got it.</i>

1506
01:21:56,953 --> 01:22:00,290
<i>Growing up, you ain't had no money,
so you didn't have to manage money.</i>

1507
01:22:00,373 --> 01:22:02,334
<i>They don't teach us this in the classroom.</i>

1508
01:22:02,417 --> 01:22:05,003
<i>They teach us how to be,
you know, consumers.</i>

1509
01:22:05,086 --> 01:22:08,548
<i>They teach us how to take on debt.
Ain't gonna teach us how to keep money.</i>

1510
01:22:08,632 --> 01:22:11,718
<i>But sometimes in our culture,
we want to get rich quick.</i>

1511
01:22:11,801 --> 01:22:14,220
<i>- Mm-hmm.
- I wanna get rich quick. Right? Like...</i>

1512
01:22:14,304 --> 01:22:16,556
<i>It ain't no shame, right?
It ain't no shame in it.</i>

1513
01:22:17,140 --> 01:22:18,850
<i>But I blew so much money on...</i>

1514
01:22:19,935 --> 01:22:22,979
<i>you know, the fake lifestyle
that we want to live, for real.</i>

1515
01:22:23,563 --> 01:22:26,316
<i>Forget all the Instagram.
Forget all the glitz and the glamour.</i>

1516
01:22:26,399 --> 01:22:28,860
<i>Like, forget all that. It's fake.</i>

1517
01:22:28,944 --> 01:22:33,281
<i>All that little baby chains,
it's... it's not real, for real.</i>

1518
01:22:33,365 --> 01:22:35,825
<i>What's real is really investing my money.</i>

1519
01:22:37,035 --> 01:22:41,498
<i>Everything that I've learned from Ro$$
has definitely, like, changed my life.</i>

1520
01:22:42,290 --> 01:22:43,792
<i>It changed my mindset.</i>

1521
01:22:43,875 --> 01:22:45,710
<i>It changed my outlook.</i>

1522
01:22:45,794 --> 01:22:48,588
<i>It shifted my focus
on what it needed to be.</i>

1523
01:22:48,672 --> 01:22:51,716
<i>And with that, there's no price tag
that you could put on it.</i>

1524
01:22:52,926 --> 01:22:55,929
<i>The knowledge that I've gained
is priceless.</i>

1525
01:23:00,892 --> 01:23:03,603
<i>[TIFFANY] I know we've been on
a good track, but how do you feel?</i>

1526
01:23:03,687 --> 01:23:06,314
<i>- And where are you? Any big news?
- Um, actually, yes!</i>

1527
01:23:06,398 --> 01:23:08,566
<i>- Okay!
- I... I'm getting a raise at work.</i>

1528
01:23:08,650 --> 01:23:10,485
<i>- Okay! [LAUGHS]
- Yeah.</i>

1529
01:23:10,568 --> 01:23:15,448
<i>I was told a little bit ago, um,
and I'm waiting to see when that kicks in.</i>

1530
01:23:15,532 --> 01:23:19,077
<i>Look how your... More money is coming
into your life, right?</i>

1531
01:23:19,160 --> 01:23:20,704
<i>When you look after money,</i>

1532
01:23:21,287 --> 01:23:22,872
<i>literally more money will come to you</i>

1533
01:23:22,956 --> 01:23:25,041
<i>because you're looking after
the money that you have.</i>

1534
01:23:25,125 --> 01:23:27,460
<i>That's what's happening.
You're getting on the other side of,</i>

1535
01:23:27,544 --> 01:23:29,838
<i>I like to call it
post-traumatic broke syndrome.</i>

1536
01:23:29,921 --> 01:23:30,964
<i>[LAUGHS]</i>

1537
01:23:31,047 --> 01:23:33,883
<i>- You know I've been there.
- That's exactly what I'm feeling.</i>

1538
01:23:34,467 --> 01:23:36,720
<i>- Can I give you another update?
- Yes, of course.</i>

1539
01:23:36,803 --> 01:23:40,432
<i>I paid off everything that had
an interest rate of 10% or higher.</i>

1540
01:23:40,515 --> 01:23:41,808
<i>[LAUGHS] Yes!</i>

1541
01:23:41,891 --> 01:23:45,687
<i>So the only things that are left
are things that are like 10% or lower.</i>

1542
01:23:45,770 --> 01:23:47,647
<i>Okay, that's awesome!</i>

1543
01:23:51,943 --> 01:23:54,279
<i>[ARIANA] I don't remember
when, like, my credit card balances</i>

1544
01:23:54,362 --> 01:23:55,488
<i>were ever this low.</i>

1545
01:23:58,241 --> 01:24:02,037
<i>Now, instead of feeling like a mountain,
it's like I'm walking up a hill.</i>

1546
01:24:02,829 --> 01:24:05,290
<i>It doesn't feel like something
that's insurmountable anymore.</i>

1547
01:24:05,373 --> 01:24:08,001
<i>It feels like, it's like,
I'm almost at the finish line.</i>

1548
01:24:08,835 --> 01:24:10,795
<i>It's like a really great feeling.</i>

1549
01:24:13,089 --> 01:24:15,592
<i>So credit card debt's gonna be done soon.</i>

1550
01:24:15,675 --> 01:24:17,886
<i>- [ARIANA] Yes.
- So I want you to think now,</i>

1551
01:24:18,428 --> 01:24:21,681
<i>'cause here's where I was,
I had $35,000 in credit card debt.</i>

1552
01:24:21,765 --> 01:24:24,100
<i>And I paid it all
by being very aggressive.</i>

1553
01:24:24,184 --> 01:24:25,393
<i>- Just like you.
- Yeah.</i>

1554
01:24:25,477 --> 01:24:28,146
<i>And then I was like,
"Student loan debt, you're next!"</i>

1555
01:24:28,229 --> 01:24:29,731
<i>That's how I feel now!</i>

1556
01:24:29,814 --> 01:24:32,067
<i>- But... here's the thing.
- Okay. Yes.</i>

1557
01:24:32,650 --> 01:24:35,195
<i>- Credit card debt is cancerous.
- Yes, it is.</i>

1558
01:24:35,278 --> 01:24:36,654
<i>- We have to cut it out.
- Yes.</i>

1559
01:24:36,738 --> 01:24:39,574
<i>But student loan debt,
usually the interest rate is fairly low.</i>

1560
01:24:39,657 --> 01:24:41,117
<i>- Oftentimes under 5%.
- [ARIANA] Yeah.</i>

1561
01:24:41,201 --> 01:24:43,495
<i>And so you don't have to be as fast
with paying them off.</i>

1562
01:24:47,624 --> 01:24:49,751
<i>[TIFFANY] I want you to start to enjoy</i>

1563
01:24:50,251 --> 01:24:52,253
<i>the money that's happening to you.</i>

1564
01:24:52,337 --> 01:24:54,631
<i>- You know what I mean?
- [ARIANA] Yes, that would be amazing.</i>

1565
01:24:54,714 --> 01:24:58,343
<i>[TIFFANY] The way you're navigating
with your finances now, you can do that.</i>

1566
01:24:58,426 --> 01:24:59,427
<i>[ARIANA] Isn't this cool?</i>

1567
01:25:01,679 --> 01:25:03,473
<i>It's like a sculpture.</i>

1568
01:25:03,556 --> 01:25:05,642
<i>[TIFFANY] In the beginning,
the money is for security.</i>

1569
01:25:05,725 --> 01:25:08,186
<i>After that, what is the money for?</i>

1570
01:25:08,269 --> 01:25:11,481
<i>Some day trips that I wanted to go,
like, see the pyramids nearby.</i>

1571
01:25:11,564 --> 01:25:14,400
<i>[TIFFANY] The money is
to help explore the world.</i>

1572
01:25:14,484 --> 01:25:17,278
<i>The money is to lean into new experiences.</i>

1573
01:25:17,362 --> 01:25:21,032
<i>The money is to help create
the life that you really desire,</i>

1574
01:25:21,116 --> 01:25:23,743
<i>and that is your reward
for taking care of it.</i>

1575
01:25:23,827 --> 01:25:24,953
<i>[SPEAKING INDISTINCTLY]</i>

1576
01:25:25,036 --> 01:25:28,498
<i>They have a subway, which is really cool,
and apparently Ubers are like $3.</i>

1577
01:25:29,207 --> 01:25:30,917
<i>Something that Tiffany
really pushed me to do</i>

1578
01:25:31,000 --> 01:25:32,252
<i>is set up this dream fund.</i>

1579
01:25:32,335 --> 01:25:34,963
<i>So Andrew and I are planning
a trip to Mexico City.</i>

1580
01:25:35,046 --> 01:25:37,632
<i>This would be a lot of fun for us to do.
Just me and you.</i>

1581
01:25:38,508 --> 01:25:40,218
<i>So I thought his was absolutely beautiful.</i>

1582
01:25:40,301 --> 01:25:42,345
<i>- Casa Boho?
- [ARIANA] Casa Boho.</i>

1583
01:25:43,596 --> 01:25:46,307
<i>[ARIANA] This money was
specifically set aside for this trip.</i>

1584
01:25:46,391 --> 01:25:48,518
<i>So there's less guilt
associated with it, right?</i>

1585
01:25:48,601 --> 01:25:50,311
<i>Like, it's not like this money
was earmarked</i>

1586
01:25:50,395 --> 01:25:51,646
<i>for debt or something else.</i>

1587
01:25:51,729 --> 01:25:53,898
<i>I wanna do a couple nice dinners.</i>

1588
01:25:54,482 --> 01:25:58,319
<i>I haven't had to think about a budget
since I've started working with Tiffany.</i>

1589
01:25:58,903 --> 01:26:01,906
<i>My direct deposit is set up
so the correct amount of money</i>

1590
01:26:01,990 --> 01:26:03,575
<i>goes into every single account.</i>

1591
01:26:03,658 --> 01:26:07,036
<i>It has lifted, like, this huge weight,</i>

1592
01:26:07,120 --> 01:26:10,582
<i>knowing that everything is set up
and I don't have to touch it at all.</i>

1593
01:26:13,126 --> 01:26:16,588
<i>This mindset shift
around giving myself grace</i>

1594
01:26:16,671 --> 01:26:20,592
{\an8}<i>and being patient with myself
and, like, setting up my money in a way</i>

1595
01:26:21,134 --> 01:26:24,888
{\an8}<i>that gave me space
to do the things that mattered to me</i>

1596
01:26:25,430 --> 01:26:27,265
{\an8}<i>while also paying off the debt.</i>

1597
01:26:28,766 --> 01:26:30,393
{\an8}<i>It's been, like, life-changing.</i>

1598
01:26:37,984 --> 01:26:40,361
<i>[KIM] Ready? Where are we going?</i>

1599
01:26:41,529 --> 01:26:43,198
<i>To the airport.</i>

1600
01:26:43,281 --> 01:26:45,200
<i>[KIM LAUGHS]</i>

1601
01:26:45,283 --> 01:26:47,785
<i>We're going to Costa Rica!
We're on our way.</i>

1602
01:26:47,869 --> 01:26:49,787
<i>And we are gonna go on vacation.</i>

1603
01:26:53,750 --> 01:26:55,919
<i>[PETE] When I tell people
to cut down their spending,</i>

1604
01:26:56,002 --> 01:26:58,504
<i>I'm really trying
to talk them into cutting out waste.</i>

1605
01:26:59,589 --> 01:27:00,840
<i>Going on a family vacation,</i>

1606
01:27:00,924 --> 01:27:02,884
<i>like a trip to Costa Rica,
is totally different.</i>

1607
01:27:02,967 --> 01:27:04,761
<i>That's something
you're gonna remember forever.</i>

1608
01:27:04,844 --> 01:27:06,471
<i>Your kids are only young once.</i>

1609
01:27:06,554 --> 01:27:09,766
<i>So if you can afford it, that's probably
money that's worth spending.</i>

1610
01:27:11,392 --> 01:27:12,685
<i>[JOHN] I'm packing.</i>

1611
01:27:12,769 --> 01:27:14,270
<i>Yay!</i>

1612
01:27:16,356 --> 01:27:18,358
<i>[PETE ON VIDEO CALL]
How long is this trip gonna be?</i>

1613
01:27:18,983 --> 01:27:21,361
<i>- [JOHN] Five weeks total.
- [KIM] Yeah. [LAUGHS]</i>

1614
01:27:21,444 --> 01:27:25,240
<i>[PETE]</i> That's a pretty reasonable,</i>
{\an8}like, uh, early retirement test.</i>

1615
01:27:25,323 --> 01:27:28,493
{\an8}<i>Yeah, mini retirement,
we learned that term recently.</i>

1616
01:27:28,576 --> 01:27:32,497
{\an8}<i>I like the idea of doing that
once a year, having an extended break</i>

1617
01:27:32,580 --> 01:27:34,749
{\an8}<i>rather than waiting till we're, you know...</i>

1618
01:27:34,832 --> 01:27:36,751
<i>- [PETE] {\an8}Yeah, I think that's a good idea.
- Yeah.</i>

1619
01:27:36,834 --> 01:27:40,713
{\an8}<i>So what's the status of your...
your nice house back in Colorado,</i>

1620
01:27:40,797 --> 01:27:42,173
{\an8}<i>while you're on this vacation?</i>

1621
01:27:42,257 --> 01:27:44,759
{\an8}<i>We were able to rent it out for two weeks.</i>

1622
01:27:44,842 --> 01:27:47,512
<i>- What! Oh, that's awesome!
{\an8}- [BOTH] Yeah.</i>

1623
01:27:50,515 --> 01:27:54,018
<i>[JOHN] This whole process has been about,
like, "How do we use our resources?"</i>

1624
01:27:54,102 --> 01:27:58,356
<i>Money being one of the resources
to expand the amount of time</i>

1625
01:27:58,439 --> 01:28:00,358
<i>and prioritize our kids.</i>

1626
01:28:00,441 --> 01:28:04,070
<i>It's not the material stuff.
It's the time that we care about.</i>

1627
01:28:05,530 --> 01:28:08,783
<i>[KIM] I've never taken off
this much time from work.</i>

1628
01:28:09,784 --> 01:28:14,122
<i>What was most special
about the mini retirement</i>

1629
01:28:14,205 --> 01:28:18,501
<i>was that we got to bond
and, like, really get to know each other.</i>

1630
01:28:18,584 --> 01:28:20,670
<i>And we just don't have time
for that in daily life.</i>

1631
01:28:20,753 --> 01:28:22,922
<i>- [COOING]
- [KIM] Oh, you found another slug?</i>

1632
01:28:23,464 --> 01:28:25,758
<i>- Yeah!
- Be gentle with him, okay?</i>

1633
01:28:25,842 --> 01:28:28,845
<i>[KIM] We don't have time to sit on a beach</i>

1634
01:28:28,928 --> 01:28:31,556
<i>and like, talk about shells.</i>

1635
01:28:31,639 --> 01:28:33,057
<i>It doesn't, like, happen.</i>

1636
01:28:34,267 --> 01:28:37,520
<i>So that was really special.</i>

1637
01:28:42,066 --> 01:28:45,903
<i>The trip was kind of
a representation of, like,</i>

1638
01:28:45,987 --> 01:28:48,656
<i>"Okay, we can, like, hustle
and make all this money</i>

1639
01:28:48,740 --> 01:28:51,701
{\an8}<i>and then not use it and just throw it all
on the stock market."</i>

1640
01:28:53,494 --> 01:28:54,370
{\an8}<i>[DINGS]</i>

1641
01:28:54,454 --> 01:28:59,125
{\an8}<i>Or we can take time now
to be available and present for each other</i>

1642
01:28:59,208 --> 01:29:02,378
<i>and have real healthy,
happy relationships.</i>

1643
01:29:07,008 --> 01:29:11,804
<i>I feel like the definition of money
has shifted from a way to create</i>

1644
01:29:11,888 --> 01:29:16,100
<i>short-term comfort, short-term relief</i>

1645
01:29:16,184 --> 01:29:18,728
<i>to long-term freedom.</i>

1646
01:29:20,730 --> 01:29:23,858
<i>I definitely have changed
the way I think about Amazon</i>

1647
01:29:23,941 --> 01:29:27,904
<i>and spending in general
because we have a really solid goal</i>

1648
01:29:27,987 --> 01:29:29,405
<i>that we're working towards.</i>

1649
01:29:29,906 --> 01:29:33,534
<i>Being able to retire
in the next five, six, seven years</i>

1650
01:29:33,618 --> 01:29:36,412
<i>is such a bigger reward</i>

1651
01:29:36,496 --> 01:29:40,458
<i>than anything I could purchase ever.</i>

1652
01:29:40,541 --> 01:29:42,543
<i>[LAUGHS]</i>

1653
01:29:55,932 --> 01:29:59,185
<i>The ultimate goal of money
is to not have to think about money.</i>

1654
01:29:59,268 --> 01:30:01,646
<i>If your spending is low,
then all the other problems</i>

1655
01:30:01,729 --> 01:30:03,106
<i>just kind of evaporate.</i>

1656
01:30:04,065 --> 01:30:07,235
<i>I'm just hoping that Kim and John
are feeling more confident</i>

1657
01:30:07,318 --> 01:30:08,569
<i>and less overwhelmed,</i>

1658
01:30:08,653 --> 01:30:11,280
<i>and I'm sure
their spending is gonna improve.</i>

1659
01:30:11,364 --> 01:30:15,284
<i>But even more important than that
is just that their mental understanding</i>

1660
01:30:15,368 --> 01:30:18,621
<i>of how bright their future is gonna be,
that needs to sink in,</i>

1661
01:30:18,704 --> 01:30:22,458
<i>and then they're gonna feel empowered
to make more changes after that.</i>

1662
01:30:23,835 --> 01:30:25,837
<i>[MELLOW MUSIC PLAYS]</i>

1663
01:30:32,718 --> 01:30:34,345
<i>Money is just a tool.</i>

1664
01:30:34,429 --> 01:30:37,515
<i>You can use money
to build yourself up financially,</i>

1665
01:30:37,598 --> 01:30:40,768
<i>but money can also be used
to destroy yourself financially.</i>

1666
01:30:40,852 --> 01:30:44,814
<i>But ultimately, the good news
is you get to decide.</i>

1667
01:30:44,897 --> 01:30:46,482
<i>You are in charge.</i>

1668
01:30:47,692 --> 01:30:48,985
<i>What I'm most happy about</i>

1669
01:30:49,068 --> 01:30:51,362
<i>is I can see
that Ari sees the finish line.</i>

1670
01:30:51,446 --> 01:30:54,699
<i>You know, I'm not talking to a woman
who's hopeless anymore.</i>

1671
01:31:05,084 --> 01:31:07,587
<i>It's not just teaching the person
how to budget</i>

1672
01:31:07,670 --> 01:31:10,339
<i>or teaching the person how to invest.
This is a lifestyle.</i>

1673
01:31:11,048 --> 01:31:14,469
<i>If Teez is to keep up this pace
of investing in the S&amp;P 500</i>

1674
01:31:14,552 --> 01:31:18,598
<i>on a monthly basis, being disciplined,
being consistent, right?</i>

1675
01:31:18,681 --> 01:31:21,851
<i>Literally in 20 years,
he'll have close to four million dollars.</i>

1676
01:31:21,934 --> 01:31:23,936
<i>[MELLOW MUSIC BUILDS]</i>

1677
01:31:32,320 --> 01:31:35,656
<i>When you shift your focus
and you think about what you can earn</i>

1678
01:31:35,740 --> 01:31:37,617
<i>and how to grow your income,</i>

1679
01:31:37,700 --> 01:31:42,163
<i>part of that is shifting your focus</i>

1680
01:31:42,246 --> 01:31:46,501
<i>to really ask yourself the question,
"What value can I bring to the world?"</i>

1681
01:31:47,460 --> 01:31:51,214
<i>Lindsey has so much creativity and skill</i>

1682
01:31:51,297 --> 01:31:55,593
<i>that by making that her career,
she will naturally make a lot more money,</i>

1683
01:31:55,676 --> 01:31:56,636
<i>because the thing is,</i>

1684
01:31:56,719 --> 01:32:00,223
<i>you make money
based on how rare and valuable</i>

1685
01:32:00,306 --> 01:32:02,558
<i>the thing that you're bringing
to the table is.</i>

1686
01:32:05,728 --> 01:32:08,940
<i>[MELLOW MUSIC ENDS]</i>

1687
01:32:13,194 --> 01:32:17,073
<i>[UPBEAT MUSIC PLAYS]</i>

1688
01:32:44,642 --> 01:32:46,310
<i>[UPBEAT MUSIC ENDS]</i>