July 8, 2025

What's Next? Life after Fifty

What's Next? Life after Fifty
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What's Next? Life after Fifty
What's Next? Life after Fifty

Send us a text They said life slows down after fifty… but we didn’t get that memo. In this episode of Timeless & Unfiltered, we’re getting real about what comes next. We talk about shifting priorities, chasing new dreams, letting go of old expectations, and finally doing life our way. From wellness and wealth to passion projects and passports, we’re mapping out the next phase—and it looks nothing like retirement. Let’s redefine what fifty (and beyond) really means. Spoiler: we’re just get...

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Season 1

Send us a text

They said life slows down after fifty… but we didn’t get that memo. In this episode of Timeless & Unfiltered, we’re getting real about what comes next. We talk about shifting priorities, chasing new dreams, letting go of old expectations, and finally doing life our way. From wellness and wealth to passion projects and passports, we’re mapping out the next phase—and it looks nothing like retirement.

Let’s redefine what fifty (and beyond) really means. Spoiler: we’re just getting started.

Support the show

💬 Join the conversation! Follow us on social media to see our weekly questions, then leave us a voicemail at timelessandunfiltered.com. Your message might be featured in an upcoming episode! Watch us on YouTube https://www.youtube.com/@TimelessandUnfilteredPodcast.

📸 Instagram: @timelessandunfiltered

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🌐 Website: timelessandunfiltered.com


Chapters

00:00 - Intro to Midlife Tea Spilling

01:42 - Digital Nomad Dreams and Travel Plans

09:09 - Retirement Plans and Life Pivots

16:14 - The Old Lady Job Conversation

22:12 - Credit Card Strategy Masterclass

34:21 - Leveraging Credit for Real Estate

41:04 - Building Wealth and Future Plans

Transcript
WEBVTT

00:00:00.300 --> 00:00:04.451
Being a little older, we were trained different about money, trained different about credit.

00:00:04.451 --> 00:00:07.370
We were taught different things about credit and credit cards.

00:00:07.370 --> 00:00:10.689
Rich people are always in debt because they never touch their own money.

00:00:10.689 --> 00:00:13.207
We always hear it all the time other people's money.

00:00:13.207 --> 00:00:14.650
That's credit cards.

00:00:14.650 --> 00:00:16.266
You got a $20,000 card.

00:00:16.266 --> 00:00:17.565
You got a $10,000 card.

00:00:17.565 --> 00:00:19.667
We need to have $50,000 at closing.

00:00:19.667 --> 00:00:21.689
You pull $10,000,.

00:00:21.689 --> 00:00:22.693
You pull $10,000.

00:00:22.693 --> 00:00:25.800
I'll pull 10.

00:00:25.800 --> 00:00:26.641
You pull 10, you'll pull 10.

00:00:26.641 --> 00:00:30.007
We got 50 000.

00:00:30.246 --> 00:00:32.651
Let's go close on this apartment building together.

00:00:32.651 --> 00:00:33.551
This is legra.

00:00:33.551 --> 00:00:34.493
This is stephanie.

00:00:35.676 --> 00:00:38.539
This is sheree and this is ivania.

00:00:38.539 --> 00:00:47.612
And this is timeless and unfiltered, where we are spilling the tea on midlife.

00:00:47.612 --> 00:00:49.776
One laugh at a time.

00:00:49.776 --> 00:00:55.247
All right, you don't have nothing special, did you?

00:00:55.247 --> 00:00:58.368
No little song or ditty you need to, do you?

00:00:58.368 --> 00:00:59.259
Still nasty girl?

00:00:59.259 --> 00:01:01.588
She left over, left over from the last time.

00:01:01.588 --> 00:01:03.322
You still nasty girling?

00:01:03.322 --> 00:01:08.953
Huh, you been nasty girling all week, yeah, okay.

00:01:08.953 --> 00:01:10.924
This is Lekra, with Timeless and Unfiltered.

00:01:10.924 --> 00:01:15.028
This is Stephanie, this is Sharice and Evanya is out with us today.

00:01:15.028 --> 00:01:18.469
However, we still gonna keep spilling the tea on Midlife.

00:01:18.469 --> 00:01:22.269
One laugh at a time, one laugh at a time.

00:01:22.269 --> 00:01:24.344
You been nasty girling all week, huh.

00:01:24.445 --> 00:01:25.829
With nobody to be nasty with.

00:01:29.400 --> 00:01:32.555
Ever since we did that episode, you just called me talking about nasty girl.

00:01:32.555 --> 00:01:33.378
I'm not nasty for real.

00:01:33.378 --> 00:01:37.742
Uh-huh, you need to be Just like, please, jesus.

00:01:37.742 --> 00:01:44.953
Well, let's talk today a little bit about just kind of what's next in our lives Transitioning.

00:01:44.953 --> 00:01:47.046
I know we've been all talking about different career things.

00:01:47.046 --> 00:01:52.103
First of all, we all have our own careers, own businesses, um things like that.

00:01:52.103 --> 00:01:53.587
But what's next?

00:01:53.587 --> 00:01:54.087
What's?

00:01:54.087 --> 00:01:57.414
What's what's next in this fabulous 50s?

00:01:58.701 --> 00:02:03.168
you know what I realized the days of retiring from a job.

00:02:03.168 --> 00:02:15.099
If you're not, if you haven't been at that job for a specific amount of time, I don't think there's any such thing anymore as retiring from a position.

00:02:15.159 --> 00:02:31.347
I agree um because, like I've talked about my transition, um, in employment, and so it's like I feel like I always have to have some type of backup, like something, or even a partner in life.

00:02:31.347 --> 00:02:33.670
Why does the voice do that?

00:02:33.670 --> 00:02:57.368
Because it's like it's stressful, it's just I think it'd be easier with a partner, because if one person lost their position, then somebody else could hang on to things, but if it's just one person, you're just at God's grace, which God has been graceful with me, and so I know for me I'm working.

00:02:57.368 --> 00:02:58.893
Thank you Jesus, thank you Jesus.

00:02:58.893 --> 00:03:18.319
But I'm trying to pivot maybe a little differently in my life, where I want to be like a digital nomad, and so I'm in the process of trying to sell my home and I feel like I don't want rent, I don't want mortgage, I just don't want all that overhead anymore.

00:03:18.700 --> 00:03:22.229
Or if I do do it, I would want to do it with a partner the next time.

00:03:22.229 --> 00:03:24.133
I don't, it's a lot.

00:03:24.600 --> 00:03:28.528
So your home is on the market and if you sell it here anytime soon, what's the plan?

00:03:29.170 --> 00:03:36.969
I'll be traveling around, so I have certain cities okay that I want to go post up at, so my daughter's in tampa.

00:03:36.969 --> 00:03:41.788
So I said I'm gonna come down there for like two weeks, did like a little airbnb or something.

00:03:41.788 --> 00:03:46.388
Sit down there with her for two weeks then I want to go to phoenix, sit there for like two weeks somewhere.

00:03:46.407 --> 00:03:48.520
Then I want to go to Dallas well, let me know when you go to Dallas.

00:03:48.520 --> 00:03:50.187
I'm like I'm hanging out.

00:03:50.227 --> 00:03:53.620
Okay, then I want to go to Dallas, and then I want to go to Chicago.

00:03:53.620 --> 00:03:55.949
Oh yeah, let me know, we go to Chicago and then.

00:03:55.949 --> 00:03:59.681
I want to go to Manhattan for a couple of weeks, get Airbnb.

00:03:59.681 --> 00:04:09.707
I want to post up and just walk around, become a local at the bar, like for a couple weeks yeah, yeah because, plus, I want to open up my own bar.

00:04:09.768 --> 00:04:12.622
So it's really essentially me getting out talking to bar owners.

00:04:12.622 --> 00:04:13.786
I'm like, hey, so how you just?

00:04:13.786 --> 00:04:16.235
And then I want to open up different locations.

00:04:16.235 --> 00:04:23.213
So me traveling around creating networks and maybe securing bases for my my own bar is what I want to do.

00:04:23.213 --> 00:04:28.202
And then I want to go to london and I want to stay in london for like a month.

00:04:28.202 --> 00:04:29.728
Let me know when you go to london.

00:04:29.728 --> 00:04:31.822
Yeah, I want to stay in london for a month.

00:04:31.822 --> 00:04:40.706
I want to go to italy, stay in italy for a month and, uh, maybe thailand for a month, oh, wow, and then I'll just, hey, welcome back us.

00:04:40.706 --> 00:04:44.552
Um, but I just want to get out and do things.

00:04:44.552 --> 00:04:46.360
I told my kids listen, I'm about to be gone.

00:04:46.360 --> 00:04:48.064
How's gonna be gone?

00:04:48.064 --> 00:04:55.086
I don't have anything tethering me here right now, so I'm gonna go, experience some things and start doing things by myself.

00:04:55.086 --> 00:04:57.031
I've always waited for people to do.

00:04:57.031 --> 00:04:58.483
You gonna come with me, you go?

00:04:58.483 --> 00:04:59.966
Yeah, I'm about to get out solo travel.

00:04:59.985 --> 00:05:03.093
So, yeah, I'm about to do it, so that sounds exciting it does.

00:05:03.192 --> 00:05:04.315
I'm about to do it.

00:05:04.315 --> 00:05:09.848
So that sounds exciting though it does, I'm like, please, jesus, let it work out, it's going to work out.

00:05:10.369 --> 00:05:11.521
But you know what Plan?

00:05:11.521 --> 00:05:14.610
Plan one from planners of travel.

00:05:14.649 --> 00:05:16.103
Yeah, plan one phase at a time.

00:05:16.204 --> 00:05:28.478
Yeah, that's all I'm going to do, you know what I'm saying, because you may have it may not go exactly like that, but you know what I'm going to be here for two weeks and work them two weeks and then you know, then, what's the next phase?

00:05:28.478 --> 00:05:31.809
You may have to skip one and go to the next one and come back to that one.

00:05:31.889 --> 00:05:32.891
You know what I'm saying.

00:05:32.891 --> 00:05:36.009
Like don't get stuck to anybody's structure or schedule.

00:05:36.009 --> 00:05:37.386
I want to meet different people.

00:05:37.386 --> 00:05:46.208
It's just a whole big old world out here and I always I told my kids we're not limited to just living in the US, you can live anywhere.

00:05:46.208 --> 00:05:54.134
That's why I started traveling with my kids abroad very, very early, Like we don't have to just stay in Georgia, we don't have to just stay in the US, we can just branch out.

00:05:54.134 --> 00:05:56.156
So I've been like, yeah, I want to go to China.

00:05:56.156 --> 00:05:56.637
They're like what?

00:06:07.279 --> 00:06:07.891
Listen, I'll get them started over there.

00:06:07.891 --> 00:06:09.463
I'm like I just dead ass wanting to do something different.

00:06:09.463 --> 00:06:10.137
So it's exciting though.

00:06:10.137 --> 00:06:10.682
It is exciting.

00:06:10.682 --> 00:06:11.420
So just you know, have that little girlfriend time.

00:06:11.420 --> 00:06:11.675
Yeah, be like uh, yeah, y'all gonna come on.

00:06:11.675 --> 00:06:13.713
Yeah, I'm coming out to chicago.

00:06:13.713 --> 00:06:14.694
You want a thailand?

00:06:14.694 --> 00:06:15.634
Come on.

00:06:15.634 --> 00:06:16.495
I love london.

00:06:16.495 --> 00:06:16.935
London.

00:06:16.935 --> 00:06:23.329
I have and I have not been to london in years, but it is still probably one of my favorite places.

00:06:23.329 --> 00:06:25.233
I think it was, I think it was the.

00:06:25.233 --> 00:06:30.771
It's something about the history, like we don't have places like that.

00:06:30.810 --> 00:06:47.726
We have plantations you can go visit you know, I might want to see that you know what I'm saying but when you just walk and all of a sudden a big old castle pop up, you're like, oh, with the rolling hills and the sheep up on in the meadow yeah, like in the movies, you know like like in the movies Wow, we don't have that kind of history over here.

00:06:48.341 --> 00:06:51.125
I want to see it in my life and not just on TV.

00:06:51.125 --> 00:06:56.682
The cobblestone streets and everything still looks like gingerbread houses and stuff.

00:06:56.985 --> 00:07:00.288
Yeah, there's still a lot of communities and stuff like that.

00:07:00.288 --> 00:07:02.947
It's amazing, I'm going to do it.

00:07:02.947 --> 00:07:04.004
I love London.

00:07:04.004 --> 00:07:06.995
Now you're going to be hungry.

00:07:06.995 --> 00:07:07.550
I'm going that.

00:07:07.550 --> 00:07:07.906
It's amazing, I want to do it.

00:07:07.906 --> 00:07:08.047
I'm gonna do it.

00:07:08.047 --> 00:07:08.447
Yeah, I love london.

00:07:08.447 --> 00:07:09.531
Now you're gonna be hungry and you know you're gonna have to.

00:07:09.531 --> 00:07:12.764
You're gonna eat a lot of american food because I'm I'm telling I don't care, they can't cook.

00:07:12.783 --> 00:07:17.845
Probably, I would assume, carry your own seasoned salt and garlic pepper.

00:07:17.845 --> 00:07:18.990
Yeah, bring your hot sauce.

00:07:18.990 --> 00:07:22.161
Bring because and they make them on little key chains now where you can carry.

00:07:22.382 --> 00:07:33.473
Yeah, you're gonna need you're going to need it, just so you know you're gonna need it, anything european, you're gonna need some seasoning, I imagine all right, yeah, I imagine because I love seasoning.

00:07:33.473 --> 00:07:37.747
Yeah, but the experience is absolutely amazing yeah I love it.

00:07:37.747 --> 00:07:44.846
I always, at the time that I went to london, I think I had just gotten married and I remember being in london like damn, I got to go home, don't I?

00:07:44.846 --> 00:07:45.728
I got married.

00:07:45.728 --> 00:07:48.153
Damn, I got married, dang you liked it.

00:07:48.779 --> 00:07:51.668
You know how people will go visit somewhere and just never come home.

00:07:51.668 --> 00:07:55.394
Mm-hmm, I probably would have done that if I had not had just gotten married.

00:07:55.415 --> 00:07:56.300
Oh, I can't wait to go.

00:07:56.300 --> 00:07:58.226
I probably would have never just came back home.

00:07:58.468 --> 00:08:00.125
Wow, I love London.

00:08:00.125 --> 00:08:02.769
I'm walking next to a skinhead.

00:08:02.769 --> 00:08:06.519
I'm walking next to an African who speak, who got an English accent.

00:08:06.519 --> 00:08:08.468
I'm walking next to a Chinese person.

00:08:08.468 --> 00:08:09.591
I'm walking.

00:08:09.591 --> 00:08:11.980
The diversity I love the diversity.

00:08:11.980 --> 00:08:15.543
I love the, the culture.

00:08:15.543 --> 00:08:19.687
I love the, the jump on a train and be in Paris.

00:08:19.687 --> 00:08:22.766
You know what I'm saying, like jump on a train and be.

00:08:22.766 --> 00:08:23.500
You know what I'm saying.

00:08:23.500 --> 00:08:26.149
It's different than saying I'm going to Miami.

00:08:26.519 --> 00:08:28.007
Yeah, or to Jamaica.

00:08:28.240 --> 00:08:28.903
Yeah, I'm going to.

00:08:28.923 --> 00:08:29.285
Miami.

00:08:29.285 --> 00:08:30.964
It's just a different side of the world.

00:08:31.004 --> 00:08:36.551
And do the same thing, and but the connection of being able to get to so many different places.

00:08:36.551 --> 00:08:51.484
That's what I want to do you know, I think I'm going to be in amsterdam.

00:08:51.484 --> 00:08:52.626
Or you know, I'm saying I love, I want to experience.

00:08:52.647 --> 00:08:57.360
Yeah, it's that, that was for me, I wouldn't have came home if I had not have just gotten married, yeah, I might not come back, I'm just gonna stay here.

00:08:57.380 --> 00:09:06.234
Well, I'm coming to visit in your flat, in your flat, in your flat because you know they love to live in flats in your flat for a month.

00:09:06.234 --> 00:09:06.754
So what's next?

00:09:06.754 --> 00:09:09.866
What's your next phase of life?

00:09:09.866 --> 00:09:12.182
I know we're getting ready for retirement.

00:09:12.182 --> 00:09:13.345
Yes, December.

00:09:13.725 --> 00:09:15.028
Yeah, that's great.

00:09:15.028 --> 00:09:15.870
I can't believe it.

00:09:15.870 --> 00:09:17.552
I've been talking about it, I know.

00:09:17.552 --> 00:09:23.039
But yeah, I know December and it's interesting.

00:09:23.039 --> 00:09:26.644
I was listening to you and we haven't even talked about what we're doing really next.

00:09:26.725 --> 00:09:29.745
But yeah, I'm going to have a travel buddy.

00:09:30.447 --> 00:09:34.346
Yeah, girl, but I'm staying like three months, so like Costa Rica three months.

00:09:34.365 --> 00:09:35.469
Hey, listen, I'm dying.

00:09:35.469 --> 00:09:37.567
Mexico City three months, I'm down.

00:09:37.799 --> 00:09:38.885
Like just different.

00:09:38.885 --> 00:09:42.065
I'm just going to go to different countries and just stay.

00:09:46.240 --> 00:09:47.904
Oh, luckily, you to go to different countries and just say oh look, look, look.

00:09:47.985 --> 00:09:49.149
Your eyes is back.

00:09:49.149 --> 00:09:50.351
You'll be everywhere with us.

00:09:50.351 --> 00:09:50.953
Yeah, I'm not sure.

00:09:50.953 --> 00:09:52.217
I'm really not sure how much more travel.

00:09:52.217 --> 00:10:07.232
I want to do in terms of the business, yeah um, I don't know, I I luck, me luckily just did well enough I could do it or not yeah, you know, and so it's just like in my next phase of my life.

00:10:07.232 --> 00:10:10.105
What do I want to do now?

00:10:10.105 --> 00:10:16.783
I enjoy the travel and putting together the events and and whatnot, but it's it.

00:10:16.903 --> 00:10:20.831
It can really be a choice now yeah, even what I decide to do, or not, do you know?

00:10:20.851 --> 00:10:24.708
what I mean so and we can work from anywhere.

00:10:24.990 --> 00:10:25.530
That business.

00:10:25.551 --> 00:10:26.623
We can work from anywhere.

00:10:26.663 --> 00:10:32.350
We put the work in, so now it's like luckily we did something.

00:10:34.100 --> 00:10:35.746
No, you're going to be right there with us.

00:10:35.746 --> 00:10:36.649
No, I won't.

00:10:36.932 --> 00:10:37.539
I won't be there.

00:10:37.539 --> 00:10:38.001
Why not?

00:10:38.001 --> 00:10:41.267
I won't be there because I'll be here building this portfolio.

00:10:41.267 --> 00:10:46.645
It still can happen, I know but I got to come and see, I got to check on my properties.

00:10:47.081 --> 00:10:48.687
Oh, yeah, you got to do that.

00:10:49.261 --> 00:10:49.904
You can take breaks.

00:10:50.880 --> 00:10:51.705
I'm knuckling down.

00:10:52.321 --> 00:10:54.268
Let's say you leave right after closing.

00:10:54.268 --> 00:10:56.283
You done got the house together.

00:10:56.283 --> 00:10:57.267
Okay, we closed.

00:10:57.267 --> 00:10:59.072
All right, you can take a break.

00:10:59.299 --> 00:11:02.265
You're going to have the people in place to run a lot of it for you.

00:11:02.687 --> 00:11:03.447
That's what y'all said.

00:11:03.467 --> 00:11:05.653
But okay, if you're putting it together, I get it yeah.

00:11:08.363 --> 00:11:08.864
You can take breaks.

00:11:08.864 --> 00:11:11.230
Yeah, I would take a break, but I couldn't be gone that long.

00:11:12.320 --> 00:11:16.267
Well, no, no, no, we're not saying that long, we're just saying we'll be there, so come in and come out.

00:11:16.307 --> 00:11:33.386
Yeah, I'm going to pop in, yeah, Now, if you find a six, five, hello beautiful chocolate man I don't even care what country you're from, about six

00:11:33.407 --> 00:11:41.493
five, yeah, um, but let me know that's, that's, that's my goal, and you know I love zumba like nothing ever I really want to be a zumba instructor.

00:11:41.493 --> 00:11:44.596
I've always said when I retire, I want to be a zumba instructor.

00:11:44.596 --> 00:11:45.677
And so um always said when I retire, I want to be a Zumba instructor.

00:11:45.677 --> 00:11:54.385
And so what we talked about, our last one of our episodes, we did about, you know, making sure that we keep our bones and moving in motion.

00:11:54.746 --> 00:11:55.708
I was thinking about that.

00:11:55.708 --> 00:11:59.605
But yeah, I always wanted to retire and be a Zumba.

00:11:59.605 --> 00:12:00.365
Look at that.

00:12:01.389 --> 00:12:04.394
I've been trying to figure out what my old lady job was gonna be.

00:12:04.414 --> 00:12:10.794
I ain't gonna have one so listen that's the goal because I just like god, we're getting older.

00:12:10.794 --> 00:12:15.225
So I tell you, I'm constantly checking, like my ssi, like where am I at now?

00:12:15.225 --> 00:12:25.802
Where they got the 62 you can you get 2000 and they're like really trying to push us to work till we're 70 and I'm like ain't nobody holding on to people working that long anymore?

00:12:25.802 --> 00:12:26.465
They're just not.

00:12:26.465 --> 00:12:32.370
It's like the younger people are now in charge and they're like you all, like my grandma, and they like letting the older people go.

00:12:32.409 --> 00:12:40.892
So I can't imagine a lot of people still working till you're 70 to get your full um SSI benefit but um.

00:12:41.572 --> 00:12:43.625
So in my mind I'm like well damn, if I gotta work that long, what would my job be?

00:12:43.625 --> 00:12:45.940
Because I know I'm like well damn, if I got to work that long, what would my job be?

00:12:45.940 --> 00:12:48.227
Because I know I'm in the IT field.

00:12:48.227 --> 00:12:50.586
It's so fickle in there right now.

00:12:50.586 --> 00:12:53.469
And so I'm like what would my little old lady job be?

00:12:53.469 --> 00:12:56.970
And so I don't want to be a greeter at Walmart.

00:12:57.980 --> 00:12:59.246
What's the old lady job?

00:12:59.759 --> 00:13:08.326
I think I want to look at the eye doctor's place and so I would tell, yeah, this frame look good on you because your skin tone.

00:13:08.326 --> 00:13:10.991
I think I would help people get their eyeglasses.

00:13:10.991 --> 00:13:12.861
I would want to work at a little, a little.

00:13:12.861 --> 00:13:17.510
I was just like what that will be my old lady job.

00:13:18.592 --> 00:13:31.030
I can see fire me from helping me try these frames on hey baby, hey baby, it's not, it look good on you because I just had my eyes done, okay, like, yeah, I think that would be my old lady job.

00:13:31.030 --> 00:13:39.961
I'm not gonna really, I'm gonna be rich and sitting down, okay, but if I had to have a, oh, I started thinking about my old lady job, ain't?

00:13:39.961 --> 00:13:42.707
No, most people like y'all, like what the hell.

00:13:42.768 --> 00:13:44.913
I'm sitting here right now going what the?

00:13:44.952 --> 00:13:45.113
hell.

00:13:45.113 --> 00:13:49.371
My brain, I'm going to overthink or I think about, or even just to stay active.

00:13:49.533 --> 00:13:51.630
Something to do, because when I realize, people retire.

00:13:51.630 --> 00:13:54.633
They still want to go back to work.

00:13:54.633 --> 00:13:55.580
They want to do something.

00:13:55.580 --> 00:13:58.669
Yeah, because if you don't do something, it's like your game is over.

00:13:59.422 --> 00:14:02.274
So you got to create a new game.

00:14:02.274 --> 00:14:06.923
And so yeah, that game, and so yeah, that's why I was thinking about?

00:14:06.945 --> 00:14:07.667
why is my brain in a whole different?

00:14:07.687 --> 00:14:07.988
place right now.

00:14:07.988 --> 00:14:08.470
That's how people think.

00:14:08.470 --> 00:14:10.075
Yeah, my brain is in a whole different place right now.

00:14:10.075 --> 00:14:11.099
My I don't.

00:14:11.099 --> 00:14:23.004
I don't have a my old lady job, and maybe it's because I really haven't had a job yeah, that might be the difference so it's always from an entrepreneurial perspective.

00:14:23.004 --> 00:14:32.456
Like I can see myself, 70 years old, out there standing in front of a house that's being built, that I'm building as a partner complex or something at 75.

00:14:32.456 --> 00:14:34.788
Like she, she's still building houses.

00:14:34.788 --> 00:14:37.207
Well, I won't be building it, it's just fine.

00:14:38.464 --> 00:14:39.657
It's just the finance.

00:14:39.657 --> 00:14:41.001
Take care, I don't want to.

00:14:41.563 --> 00:14:44.571
I don't want to have to be on anybody's clock to go do something.

00:14:44.610 --> 00:14:50.458
Yeah, but I don't want to have to be on anybody's clock to go do something yeah, like if I want to, but you might want to get out and do stuff.

00:14:51.000 --> 00:14:53.328
It's just something to stay active and do stuff.

00:14:53.701 --> 00:14:54.528
That's still being bossy.

00:14:54.528 --> 00:14:55.724
I just want to be bossy over here.

00:14:55.744 --> 00:15:04.389
That's okay, that's what it is Okay, just saying that Let me boss all the contractors you know like, yeah, do this they're like ma'am, go sit down.

00:15:04.428 --> 00:15:07.183
Ma'am, right, sit down, ma'am, you shouldn't be out here, ma'am.

00:15:07.183 --> 00:15:08.549
Where's your hard hat, ma'am?

00:15:09.072 --> 00:15:14.692
it might be, it might be something like that, but yeah, that's kind of where and I understand too with the travel.

00:15:14.692 --> 00:15:28.368
Travel is I love my business and I love what I do um, but it's not for me forever yeah, like anything, like anything else, it's not forever, which is why I'm also very big now on trying to figure out wait.

00:15:28.368 --> 00:15:29.451
I have figured it out.

00:15:29.451 --> 00:15:33.283
Now I'm excited about it because it's actually being done yes it's happening.

00:15:33.725 --> 00:15:38.234
You know we um have flipped the first house, just um.

00:15:38.234 --> 00:15:57.086
We have a closing coming up on this, this house um have our realtor out looking for another property and my initial thought, like you know we've discussed is about fixing, flipping just very stack some money right now, but getting into new construction.

00:15:57.086 --> 00:16:06.408
I've been taking a lot of y'all already know trainings and classes, and mentorships and I've been traveling.

00:16:06.460 --> 00:16:09.229
I traveled almost the whole month of what was that?

00:16:09.229 --> 00:16:18.394
April, because I was in different locations for different mentorship programs and stuff like that to really get into real estate.

00:16:18.394 --> 00:16:33.595
I truly applaud people that have started this early, because I'm really considering um, well, not considering I'm going to set up.

00:16:33.595 --> 00:16:40.466
You know, we have the travel professionals training network um, I'm kind of sketched out the framework for it.

00:16:40.466 --> 00:16:44.253
I'm going to move myself over to us, to school.

00:16:44.253 --> 00:16:51.107
You've heard of school, right, mo skool, the platform, school um.

00:16:51.107 --> 00:17:10.968
Because I really want to be around or start to create a network of people that um are really on, like the next level of entrepreneurship, and school is just a platform where you create, like you have a Facebook community so I can do classes in there.

00:17:10.968 --> 00:17:12.413
I can do oh, I never knew what it was.

00:17:12.413 --> 00:17:13.236
Yeah, it's called school.

00:17:13.236 --> 00:17:13.777
I've seen it.

00:17:13.797 --> 00:17:14.619
I just didn't know what it was.

00:17:14.619 --> 00:17:17.490
So yeah, you can put trainings in there.

00:17:17.490 --> 00:17:18.742
You can do all that kind of stuff.

00:17:18.742 --> 00:17:38.479
I think so, oh, yeah, yeah, and you can put it yeah, it's just a platform for you to house your stuff on, like how people have webinars and all that kind of stuff.

00:17:38.479 --> 00:17:40.257
You can have a free community.

00:17:40.257 --> 00:17:52.885
It could be a subscription, you know, and stuff like that, cause you've heard me talking a lot about just how our travel business is providing us opportunities as any business should.

00:17:53.790 --> 00:18:01.161
If you know when your business starts to become profitable, how your business can start to help with other opportunities and stuff.

00:18:01.161 --> 00:18:05.433
And I'm always my brain is always on something about leveraging your credit.

00:18:05.433 --> 00:18:08.662
My brain is always on something about funding.

00:18:08.662 --> 00:18:18.089
Now, once you start looking at funding, I don't know how all these people get your name, email, phone number whatever All this funding and get all kinds of text messages, yeah.

00:18:18.611 --> 00:18:23.057
Now everybody is trying to reach you for funding, and some of it is legit, some of it isn't.

00:18:23.057 --> 00:18:26.358
I just choose to go through avenues that I know are legit.

00:18:26.358 --> 00:18:33.461
And as hard as they say things are with you know, trying to get funding and things like that through banks and stuff like that.

00:18:33.461 --> 00:18:41.480
Banks have been very good to me, so I think I'm in a place like I would love to show other people how to do.

00:18:41.480 --> 00:18:44.057
What I've learned Makes sense.

00:18:44.057 --> 00:18:50.907
So, and especially travel agents you know are travel agents but any business at your end learning how to leverage your business.

00:18:50.928 --> 00:18:54.818
Matter of fact, it was funny I was talking to Craig and I were just texting or something.

00:18:54.818 --> 00:19:04.121
He I had to text him something while you guys were gone this week or something, and he I forgot what the question even was and I was like, yeah, I'm trying to get this stuff done, I'm trying to close on this house.

00:19:04.121 --> 00:19:05.124
He's like what house you know?

00:19:05.124 --> 00:19:11.171
And then all of a sudden we were just back and forth and he was like wait, I got that, I can do that, I can, you know.

00:19:11.171 --> 00:19:14.740
And I was like well, when you get back, make sure you talk to me next week.

00:19:14.740 --> 00:19:16.111
You know what I'm saying.

00:19:16.111 --> 00:19:20.398
And as much as I always say, you know, I'm going to stop trying to help everybody.

00:19:20.398 --> 00:19:22.642
Bring everybody with me.

00:19:22.642 --> 00:19:23.663
You still doing it.

00:19:23.663 --> 00:19:27.230
Yeah, you still doing it, because I think it's the education.

00:19:27.230 --> 00:19:32.760
Like I'm really baffled at how much we were not taught.

00:19:33.182 --> 00:19:47.803
Oh gosh, and that I'm just learning in my 50s In my 50s, so I know it's not time for me to sit down yet and I would hate for a lot of this information to just die with me.

00:19:47.863 --> 00:19:52.400
I know that sounds like that's weird no, like you gotta you gotta help somebody else.

00:19:52.400 --> 00:19:55.996
Like you gotta help somebody else make it, even though I'm not there yet.

00:19:56.817 --> 00:20:01.073
I know what I need to do and it's great that I'm starting it now.

00:20:01.173 --> 00:20:02.776
Well, not starting it, I'm already doing it.

00:20:02.875 --> 00:20:04.499
Yeah that I'm, I'm doing it.

00:20:04.499 --> 00:20:07.324
But if I had this knowledge years?

00:20:07.384 --> 00:20:11.262
ago, 30 years ago, in my 20s, when I had all the energy.

00:20:11.262 --> 00:20:12.145
But you know what?

00:20:12.145 --> 00:20:13.069
Would you have listened?

00:20:13.069 --> 00:20:23.411
Because I'm always preaching to my kids like I'm trying to put them in a better and I was like I wish I had somebody telling me this when I was in my 20s my kids still don't listen, they just want to do what they.

00:20:23.411 --> 00:20:25.535
So what do you think you would have listened?

00:20:25.634 --> 00:20:35.762
if somebody came to you and said something I would, I think I would have only because I I never knew I didn't, I never thought I was supposed to work.

00:20:35.762 --> 00:20:42.099
Yeah, I didn't say I wasn't supposed to earn an income look, I never said I was supposed to sit at home, right.

00:20:42.099 --> 00:20:44.173
Well, we don't have our conversation about soft life.

00:20:44.173 --> 00:20:45.575
Yeah, I want to sit in coming up.

00:20:45.575 --> 00:20:47.198
I never had a soft life.

00:20:47.198 --> 00:20:51.351
I never thought it was going to be a soft life, but my mother was always an entrepreneur.

00:20:51.371 --> 00:20:53.095
Yeah, so I always saw it.

00:20:53.095 --> 00:20:56.261
You always said I'm a serial entrepreneur yeah, yeah.

00:20:56.261 --> 00:21:00.963
So when she asked, that question, I was like, yeah, you would have listened.

00:21:01.085 --> 00:21:06.278
Yeah, I think I would have listened at that age, but they can only teach us what they knew.

00:21:06.278 --> 00:21:22.624
My mom, didn't know this, because I'm going to tell you right now if my mom because my mom was a hustler, yeah, she's a hustler Hustler If my mom had a new half of the stuff that I've just learned in the last year, oh man.

00:21:22.683 --> 00:21:23.125
Period.

00:21:24.516 --> 00:21:33.854
We would be a millionaire now because I know my mother, the things that she would have put in place to make sure that her kids were millionaires, because my mother would have been a millionaire.

00:21:33.854 --> 00:21:40.374
But you know, we always talk about financial literacy and financial education and things that we weren't, we weren't taught.

00:21:40.815 --> 00:22:03.163
So my next phase for me and I know I'll probably still be in travel, maybe another four or five years, because it is financing a life that I, that I want or that I've become accustomed to, but at the same time it's also providing me to be able to do some of the other things.

00:22:03.163 --> 00:22:07.238
I wish I could clone myself sometimes, like I wish there was more of me.

00:22:08.198 --> 00:22:09.170
Just for time management.

00:22:09.170 --> 00:22:12.594
Enough hours in a day, and then I'm tired earlier.

00:22:12.614 --> 00:22:18.661
Okay, we gonna get on them conversations again, I do.

00:22:18.661 --> 00:22:21.981
I used to burn the midnight oil all the time.

00:22:22.523 --> 00:22:23.407
I need to take a nap.

00:22:23.428 --> 00:22:23.890
I gotta get a nap.

00:22:23.890 --> 00:22:25.675
I know I'm sleeping at the desk.

00:22:25.675 --> 00:22:26.419
I'll just be like.

00:22:26.419 --> 00:22:30.098
I know I'm sleeping at my desk and god forbid if I eat anything.

00:22:30.098 --> 00:22:34.896
That's all right that itis is so real but it's, it's almost like it puts me in a stupor.

00:22:34.896 --> 00:22:36.500
That is so real.

00:22:36.599 --> 00:22:58.326
So yeah, if I was, if the younger, the younger me would have heard it you would have listened a lot of younger people there aren't, because, as much as I talk about this, all the time where my son is, he's done none of what I'm talking about right now, like bruh bruh but there are those that'll listen and will pay for it, so that'd be a smart move for you.

00:22:58.567 --> 00:23:03.606
But even just to help just the few, because I do these lives and cherise them all the time.

00:23:03.606 --> 00:23:07.130
I do lives in the group every once in a while, just little rants or something.

00:23:07.130 --> 00:23:08.934
And I did one.

00:23:08.934 --> 00:23:18.759
It's probably about three months old, two, three months old, and one of our former agents, tracy, called me and she said Allegra, I just had to call you.

00:23:18.759 --> 00:23:23.881
She said, cause I watched your live and I went and did exactly what you told me during that live.

00:23:23.881 --> 00:23:30.712
She said I got a credit card for this amount.

00:23:30.712 --> 00:23:34.565
I gotta, because she's like me and my husband have been trying to figure out how to get into real estate, you know, when you don't have that large savings.

00:23:34.565 --> 00:23:40.480
And she was like but we both had good credit, but we don't know what to do with our credit and you know and we were also.

00:23:40.500 --> 00:23:42.152
We were told so much to.

00:23:42.152 --> 00:23:45.257
You know how having debt was bad.

00:23:45.257 --> 00:23:49.324
I'm so in debt right now, y'all, but it's good debt.

00:23:49.324 --> 00:23:50.393
Well, yeah, I was.

00:23:50.413 --> 00:23:58.111
You know what I'm saying, but there's a lot of there is a lot of bad debt because people don't know what to do with it and they, yeah, getting things that they don't even know what they got.

00:23:58.111 --> 00:24:03.412
So yeah, you just have to know how to use it and what to do with it and how it makes you money.

00:24:03.551 --> 00:24:12.472
Yeah right, that's the difference right, right, so, yeah, so, but just having her and I think that's what made me think about it, because she called me like literally the following day.

00:24:12.472 --> 00:24:31.865
She said oh my god, you dropped so many gems and that thing you know even just the smallest of um william the realtor and I had lunch last week when you had called and we were talking was meeting with one of his associates and we were going to pay and I was like, is that a debit card?

00:24:32.527 --> 00:24:41.738
I was like don't ever pull your debit card out and sat and did a whole class in five seconds and I was like you should never use your debit card ever in life.

00:24:41.738 --> 00:24:51.962
The only time I think the last time I had to use my debit card, I was frustrated because I couldn't remember my pin, because I hadn't used it in so long I couldn't remember what my pin was.

00:24:51.982 --> 00:24:53.393
I was like what is your pin number?

00:24:53.393 --> 00:25:05.189
Because I lived my entire life on credit cards because of the points yeah, that it can get you you know, and so I literally sat there at lunch teaching

00:25:05.429 --> 00:25:09.298
teaching him and his associate and it was like, oh my God, that makes so much sense.

00:25:09.298 --> 00:25:12.256
I was like you should never, ever, use a debit card.

00:25:12.256 --> 00:25:15.383
Ever, ever, ever, ever.

00:25:15.383 --> 00:25:19.540
Get your credit together that you could get a card that's going to give you.

00:25:19.540 --> 00:25:22.397
The card need to give you something Every time you use it.

00:25:22.397 --> 00:25:22.960
I'm talking to you, mo.

00:25:22.960 --> 00:25:24.455
Every time you use your debit card.

00:25:24.455 --> 00:25:25.952
What do you get every time you use?

00:25:25.972 --> 00:25:26.474
I'm talking to you mo.

00:25:26.474 --> 00:25:27.878
Every time you use your debit card, what do you?

00:25:27.898 --> 00:25:28.401
get no, your debit card.

00:25:28.401 --> 00:25:30.688
You don't get anything, not a damn you just, you just.

00:25:30.708 --> 00:25:36.230
You're just giving away money, you're just using money, but every time you use that, that credit card, that- gives you points.

00:25:36.230 --> 00:25:39.256
You're earning some sort of points.

00:25:39.256 --> 00:25:46.867
So now, when you go to put that fifty dollars worth of gas in your car, put that fifty dollars worth of gas on your credit card.

00:25:46.867 --> 00:25:50.336
That gives you 50 points, and then go home and pay your card $50.

00:25:50.356 --> 00:26:09.825
It's still the same $50, but now you got 250 points because your card probably gives you four times the points, or four and a half times the points, five times the points or whatever, and you don't realize it and all of a sudden you have all these points from your everyday life that you're doing anyway.

00:26:09.825 --> 00:26:12.174
So you want to book a flight.

00:26:12.395 --> 00:26:15.819
Yeah, first class, with your points, your points, your points.

00:26:15.819 --> 00:26:17.693
I don't pay for flights.

00:26:17.693 --> 00:26:18.857
I'm going to go to Bali.

00:26:19.157 --> 00:26:19.519
Thank you.

00:26:19.519 --> 00:26:22.410
In October I want a Q suite.

00:26:22.410 --> 00:26:24.232
I want a first class Q suite.

00:26:24.453 --> 00:26:29.203
I'm not going to pay $10,000 for that daggone Q suite, but I'm looking at my points right now.

00:26:33.432 --> 00:26:37.939
I got about 800,000 points and that suite that I want is 700,000 points.

00:26:37.939 --> 00:26:42.651
I want to fly first class on that flight Period.

00:26:42.651 --> 00:26:45.098
I've been saving my points for that flight.

00:26:45.098 --> 00:26:51.925
You know, when Du Bois got to to california or something like that, he might use some of your points.

00:26:51.986 --> 00:27:05.640
Boy, leave my point like wait a minute he's like you got a lot, I know, but I got a lot because I want that, that's a 30-hour flight yeah, I want to be comfortable and I want to be.

00:27:05.720 --> 00:27:08.133
I need the cocoon, I need the whole experience.

00:27:08.133 --> 00:27:10.018
Bring my pajamas and my champagne.

00:27:10.018 --> 00:27:11.971
Let me put my jammies on and put my feet up.

00:27:11.971 --> 00:27:13.073
Let me.

00:27:13.073 --> 00:27:14.678
I need the whole experience.

00:27:14.678 --> 00:27:15.720
But you can do anything.

00:27:15.759 --> 00:27:35.038
You can shop with your points, like it's free money, yeah, but if you use your debit card, you got nothing but it's the exact same purchase you just have to have a lot of discipline, yeah to pay your car, because you're going to pay it anyway, yeah, you're gonna pay it anyway for me, I just swipe and pay, so at night I really go and just pay.

00:27:35.038 --> 00:27:36.000
What did I do today?

00:27:36.000 --> 00:27:39.776
And if you didn't, and if you and I started doing it daily.

00:27:39.796 --> 00:27:43.932
And then you miss a day and by the end of the week I'd be like what did you do this week?

00:27:43.932 --> 00:27:45.455
Oh my god.

00:27:45.455 --> 00:27:46.939
But what If it was my debit card?

00:27:46.939 --> 00:27:49.984
It would have just gone anyway it would have been gone anyway.

00:27:49.984 --> 00:27:54.582
So I'll go in at the end of the week, settle your card for the week.

00:27:54.582 --> 00:27:57.436
So, but go ahead, go ahead.

00:27:57.436 --> 00:27:58.220
Come on, mo.

00:27:58.220 --> 00:28:16.193
I know you say that's in your account only to pay my credit card.

00:28:16.213 --> 00:28:20.186
The only thing I use my money for is to pay my credit card, because if I book a flight, I'm gonna put it on that card.

00:28:20.186 --> 00:28:20.708
Guess what that's?

00:28:20.708 --> 00:28:22.251
Uh, I want a first class flight to jamaica.

00:28:22.251 --> 00:28:25.659
It was two thousand dollars, that,000 points.

00:28:25.659 --> 00:28:32.840
If I had to swipe that card on my debit card and pay with my debit card, that was just $2,000 out the window, right.

00:28:32.840 --> 00:28:34.977
So I eat at a restaurant.

00:28:35.057 --> 00:28:51.757
My Uber Eats is attached to my credit card Right and you got to know which card does what If I use this card I get one point for restaurants and whatever, but because it's on this card that gives me four points.

00:28:52.557 --> 00:28:54.522
So every dollar I spent is four points.

00:28:54.522 --> 00:29:01.213
So that fifty dollars you spent on uber eats that you were going to use your debit card for now just gave you 200 points.

00:29:01.213 --> 00:29:09.997
So your everyday life that you use when you go to the cleaners, you're clean, you pick your cleaners up, it's 12, that's 12 points, but it's.

00:29:09.997 --> 00:29:17.098
It's little stuff but but you don't realize how much stuff it has just accumulated so now when?

00:29:17.118 --> 00:29:18.082
you want to.

00:29:18.162 --> 00:29:20.867
You want to go, you know, a free vacation.

00:29:20.867 --> 00:29:24.194
Yeah, just on the everyday life that you are already doing.

00:29:24.194 --> 00:29:28.202
You got a whole pool of points over here you want to go to Jamaica.

00:29:28.202 --> 00:29:30.487
I think I'm going to go to Jamaica this weekend.

00:29:30.507 --> 00:29:31.829
Pay for your room and your flight.

00:29:31.829 --> 00:29:33.155
Let me see how many points I got.

00:29:33.155 --> 00:29:34.515
It'll pay for your hotel.

00:29:36.090 --> 00:29:38.599
It'll pay for your flight, everything.

00:29:39.311 --> 00:29:41.749
Some of them you need to use coins for concerts and stuff.

00:29:41.829 --> 00:29:48.152
Yeah, you want to go to concerts and then, depending on what card you have, yeah, you want to go to concerts.

00:29:48.152 --> 00:29:50.978
And then, depending on what card you have, yeah, they give you benefits, so like one of the cards for I get.

00:29:51.057 --> 00:29:51.640
I go to the lounge.

00:29:51.640 --> 00:29:53.625
I get 50 every six months for free.

00:29:53.625 --> 00:30:06.919
So I always go into hilton and order a gift card because every and it's on my calendar so january, today's june 1st, and it's on my calendar for today, so I'll buy a $50 gift card and you tell me this all the time.

00:30:06.959 --> 00:30:13.517
I gotta do it and then I get, so then I get, they give me the credit, the credit card company gives me back the credit.

00:30:13.517 --> 00:30:23.900
Or every year you get 200, you get a $200 voucher for a fine, fine hotel, hotel, yeah you know what I mean.

00:30:24.319 --> 00:30:27.484
So you want to stay at that five star, whatever.

00:30:27.484 --> 00:30:28.955
That's $500 a night.

00:30:28.955 --> 00:30:32.298
You got a $200 credit, neiman Marcus.

00:30:32.298 --> 00:30:34.500
I keep telling you, neiman Marcus, you get.

00:30:34.500 --> 00:30:40.336
So all my makeup come from Neiman Marcus, because every six months they give you a free credit and then I get my credit back.

00:30:40.869 --> 00:30:45.794
So listen, that's what happens when you learn how to maximize your credit cards your points.

00:30:45.794 --> 00:30:48.087
That's what happens when you learn how to maximize your credit cards.

00:30:48.107 --> 00:30:50.018
your points that's how you start saving so much money.

00:30:50.018 --> 00:30:50.340
You save so much money.

00:30:50.340 --> 00:30:55.518
You really start getting a lot for free, because you're getting everything for free, yeah, on the stuff you were spending money on anyway.

00:30:55.518 --> 00:30:58.603
Anyway, I was growing up.

00:30:58.603 --> 00:31:01.633
Don't you get no credit card, don't you?

00:31:01.673 --> 00:31:02.375
mess up your credit.

00:31:02.395 --> 00:31:05.435
Right, but it's still about mess up your credit.

00:31:05.435 --> 00:31:06.880
You have to have discipline.

00:31:07.109 --> 00:31:07.250
Yes.

00:31:07.250 --> 00:31:08.815
So when you say bad, credit.

00:31:08.875 --> 00:31:13.973
it's the people that go out and do it and say, okay, but I'm going to pay this, like how we do, but they really don't.

00:31:14.336 --> 00:31:14.476
Yeah.

00:31:18.693 --> 00:31:21.115
And the next thing you know, it's escalated.

00:31:21.276 --> 00:31:27.362
Now you got a big old bill and a whole lot of debt and can't afford to pay, because you also have been using your money and you don't spend your money.

00:31:27.362 --> 00:31:27.942
Why?

00:31:27.942 --> 00:31:29.344
Because you're putting stuff on credit.

00:31:29.344 --> 00:31:32.086
No, your money is only for you to pay off that card.

00:31:32.086 --> 00:31:37.473
You don't pull your debit card out for anything.

00:31:37.493 --> 00:31:42.223
Anything, we have some people, because we do business with different people in other countries.

00:31:42.223 --> 00:31:45.435
I'll be like well, we're going to send you a link, a link I said.

00:31:45.435 --> 00:31:47.082
If I can't pay it on my credit card, it won't happen.

00:31:47.082 --> 00:31:48.847
Y'all need to figure out how this credit card gonna pay.

00:31:48.847 --> 00:31:52.798
I gotta send you a hundred thousand dollars yeah, do you think I'm about to send you a wire.

00:31:52.959 --> 00:32:02.144
No, no, ma'am, that's a hundred thousand points, domestic flights, like if I want to go to chicago, I want to go to dallas.

00:32:02.203 --> 00:32:04.715
I need to go fly down to miami or whatever.

00:32:04.715 --> 00:32:10.921
So like when we have to fly, for you know, I got a cruise that's leaving out of Miami.

00:32:10.921 --> 00:32:11.924
I got to leave with a group.

00:32:11.924 --> 00:32:13.349
I want to fly down to Miami.

00:32:13.349 --> 00:32:21.865
I can fly down there first class if I want to, because I got plenty of points from Uber Eats eating out, from going to the cleaners, I bought something at Macy's, whatever.

00:32:21.865 --> 00:32:27.719
It all comes through my credit card because all my points are just doing this stacking right.

00:32:27.719 --> 00:32:34.154
So I'm not wiring you fifty thousand dollars to pay for the, the big party, some, some, something.

00:32:34.154 --> 00:32:36.204
You better send me a link that I can swipe that card.

00:32:36.224 --> 00:32:42.119
You better figure it out, that's fifty thousand points, that's several domestic flights.

00:32:42.220 --> 00:32:47.377
It is for free money moves I don't, don't ever touch your debit card.

00:32:47.377 --> 00:32:55.103
So these are the things like and because we I'm saying all this because we do travel we have to buy a lot of flights.

00:32:55.103 --> 00:33:08.296
We have to buy flights everywhere, we have to visit different hotels, all that kind of stuff, we can go and do this stuff for free, off of the money that we were using anyway.

00:33:08.296 --> 00:33:09.790
So she should teach classes.

00:33:10.665 --> 00:33:13.529
That's your old lady job, that's my old lady job.

00:33:13.529 --> 00:33:17.711
Anyway, and we'll have a whole other conversation.

00:33:17.845 --> 00:33:22.897
Talk about how I just paid closing costs on a house with a credit card.

00:33:22.897 --> 00:33:25.353
Didn't even have to touch my savings.

00:33:25.353 --> 00:33:27.910
People are buying homes.

00:33:27.910 --> 00:33:29.756
If you look on Instagram, it's all over Instagram Talking about how you want.

00:33:29.756 --> 00:33:30.279
Look on instagram they're.

00:33:30.279 --> 00:33:33.071
It's all over instagram talking about how you buy homes on credit cards.

00:33:33.071 --> 00:33:34.396
Um, I follow.

00:33:34.396 --> 00:33:36.083
Her name is charmaine sanders.

00:33:36.083 --> 00:33:37.106
Females who flip.

00:33:37.106 --> 00:33:38.130
Shout out to charmaine.

00:33:38.130 --> 00:33:42.605
Um, young lady 30 something years old, has a group called females who flip.

00:33:42.605 --> 00:33:50.152
Now they're gonna call themselves females who build because they are doing developments and guess where the money coming from Credit cards.

00:33:51.075 --> 00:33:51.635
Look at that.

00:33:51.704 --> 00:33:55.731
And at the same time, they're getting points Maxing out their cards.

00:33:55.731 --> 00:33:58.224
Look at that, you got to have a $30,000.

00:33:58.224 --> 00:34:07.387
You have to have $30,000 to close on a house when you pull it from, pull it off your credit card, swipe, go, buy a house with a credit card.

00:34:07.548 --> 00:34:08.748
Mm-hmm, yep Go buy a house with a credit card, yeah.

00:34:08.748 --> 00:34:10.349
And then teaching women.

00:34:10.349 --> 00:34:15.655
She has a pool where she's teaching women and young women how to pool their money together.

00:34:15.655 --> 00:34:20.440
They're flipping together, they're buying homes together, they're building together.

00:34:20.440 --> 00:34:21.902
You got a $20,000 card.

00:34:21.902 --> 00:34:25.010
You got a $10,000 card.

00:34:25.010 --> 00:34:26.856
You got a whatever $1,000 card.

00:34:26.856 --> 00:34:28.550
We need to have $50,000 at closing.

00:34:28.550 --> 00:34:29.835
You pull $10,000.

00:34:29.835 --> 00:34:32.644
No-transcript.

00:34:32.644 --> 00:34:38.789
Let's go close on this apartment building together, right, boom, boom, boom, boom, boom.

00:34:38.789 --> 00:34:48.737
Sell it, pay off your card, pay off your card Pay off your guard, because the Now what we're going to do with this.

00:34:48.817 --> 00:34:50.599
You can take your money and go and buy your business.

00:34:50.599 --> 00:34:56.269
You can take your money, let's go buy something else Like period and never, ever touched money.

00:34:57.012 --> 00:34:58.135
All came off credit cards.

00:34:58.135 --> 00:34:59.177
Y'all can do it.

00:34:59.177 --> 00:35:03.634
I'm watching people do it and then I'll be in you.

00:35:03.634 --> 00:35:08.711
It's something about it because, as being a little older, we were trained different about money.

00:35:08.711 --> 00:35:09.554
We were trained.

00:35:09.554 --> 00:35:11.550
We were trained different about money.

00:35:11.550 --> 00:35:13.097
We were trained, we were trained different about credit.

00:35:13.097 --> 00:35:18.936
We were taught different things about credit and and and credit cards and debt and all of those things.

00:35:18.936 --> 00:35:22.246
Rich people are always in debt because they never touch their own money.

00:35:22.246 --> 00:35:24.753
They always we always hear it all the time other people's money.

00:35:24.753 --> 00:35:28.451
That's credit cards, that's loans, that's all those different things.

00:35:28.451 --> 00:35:42.635
We are closing on the house on coming up and literally pulled money from the card, paid the down payment and deposit and got a loan that's paying for the whole rehab of the house.

00:35:42.635 --> 00:35:48.672
Don't have to pay a dime out of our pocket at all house is 155 000.

00:35:49.152 --> 00:35:54.528
Just had the appraisal done without even having it done yet it's not even fixed up yet.

00:35:54.528 --> 00:35:57.155
It's $335,000.

00:35:57.155 --> 00:35:58.239
We're paying the house.

00:35:58.239 --> 00:35:59.322
It's $155,000.

00:35:59.322 --> 00:36:02.730
It's going to cost about $80,000 to fix it up.

00:36:02.730 --> 00:36:06.157
They're paying, they're giving us the whole $80,000 to fix it up.

00:36:06.157 --> 00:36:08.969
Where did that initial money come from?

00:36:08.969 --> 00:36:09.492
Credit?

00:36:09.512 --> 00:36:10.434
cards, credit cards.

00:36:10.985 --> 00:36:12.150
Never touched our savings.

00:36:12.150 --> 00:36:17.492
I'm telling you it goes down.

00:36:17.492 --> 00:36:25.920
So my next phase for me is I want to build a portfolio in the next five years.

00:36:25.920 --> 00:36:27.864
Well, on your way there.

00:36:27.864 --> 00:36:33.911
Yeah, in the next five years, so I'm not going to have an old lady job want to collect, rent, collect, rent.

00:36:33.992 --> 00:36:36.056
I still want to get out, I do.

00:36:36.097 --> 00:36:37.186
I'm gonna go buy and check on my pride.

00:36:37.186 --> 00:36:38.309
I can go buy and check on my part.

00:36:38.329 --> 00:36:40.295
That's work, I'm gonna go drive people.

00:36:40.315 --> 00:36:52.097
I'm gonna go taking care of my spots uh-huh, I'm gonna go by and go look at the, look at the properties and stuff you know, or I'm gonna look at them from the webcam while I'm in Italy with you.

00:36:52.157 --> 00:36:55.063
She said, from the webcam we still can do stuff.

00:36:55.364 --> 00:36:56.769
Look, while I'm in Italy and Costa.

00:36:56.809 --> 00:36:57.271
Rica with you.

00:36:57.271 --> 00:36:58.175
We still can do stuff.

00:36:58.195 --> 00:36:59.159
I'm going to be over here.

00:36:59.159 --> 00:36:59.519
Hold on y'all.

00:37:00.248 --> 00:37:02.969
She said from the webcam I got to check on my properties.

00:37:03.672 --> 00:37:08.711
Yeah, so initially I'm fixing, flipping, and then by the end of the year I'm actually looking for land.

00:37:08.711 --> 00:37:13.458
Now I want to build, start building, and guess what?

00:37:13.458 --> 00:37:14.601
It's all coming off credit card.

00:37:14.802 --> 00:37:18.688
Yeah, y'all got some gems today.

00:37:18.869 --> 00:37:25.088
Hello, but yeah, but I'm going to set up school S-K-O-O-L, which is just the platform.

00:37:25.088 --> 00:37:29.594
B been trying to get me to do it for long as William been trying to get me to do it for long as Billy.

00:37:29.594 --> 00:37:37.675
Um, he's like oh, you need to be doing these webinars on school, but not, not for that, but he was talking about the travel webinars and stuff.

00:37:37.675 --> 00:37:39.346
So just moving it from that platform.

00:37:39.346 --> 00:37:40.990
But I love our group.

00:37:40.990 --> 00:37:53.081
Um, it's almost 3000 people in there, but really it's probably about a hundred that are active and what the travel professionals training network, so less than 100 of us go move over here.

00:37:53.121 --> 00:38:07.027
That's really about about some business right now, because if you're not leveraging your credit and if you're not leveraging our businesses right now to start whatever new venture, you want, to do it don't have to be real estate whatever new venture you want to do.

00:38:07.027 --> 00:38:11.074
You know you, you're sleeping on it, you're sleeping on it.

00:38:11.074 --> 00:38:17.670
So that's that's kind of my next phase of of life, and then I'm gonna come sit over in italy and costa rica with y'all.

00:38:17.670 --> 00:38:24.853
Yeah, because I ain't doing that, I'm uh I'm out I'm just out.

00:38:25.333 --> 00:38:26.996
Well, you know what I've always wanted to be.

00:38:27.036 --> 00:38:28.458
I've always wanted to be rich.

00:38:28.458 --> 00:38:32.833
A property management company yeah, oh no, the property I'm not managing, none of that.

00:38:32.833 --> 00:38:34.436
Yeah, and live life.

00:38:34.536 --> 00:38:36.106
Oh no, it's gonna be under a property manager.

00:38:36.106 --> 00:38:36.630
I'm not.

00:38:36.630 --> 00:38:38.737
I ain't calling nobody collecting no money.

00:38:38.737 --> 00:38:39.882
It's gonna.

00:38:39.882 --> 00:38:49.239
I mean they only get 10 or so even if they, you had to get them 15 it's worth the headache I'm gonna put a warranty on every property, something wrong called warranty company they'll send out the people.

00:38:49.722 --> 00:38:51.931
I just pay my warranty stuff like I'm supposed to.

00:38:52.393 --> 00:38:53.789
I don't want to have to do all of that.

00:38:53.809 --> 00:38:55.728
You said you are going to have a property manager or not.

00:38:55.728 --> 00:38:57.510
I am, I am.

00:38:59.065 --> 00:39:02.231
Yeah, but I want to sit back and just check my bank account.

00:39:02.231 --> 00:39:03.757
Is this the first of the month?

00:39:03.757 --> 00:39:06.090
Is this when the deposit hit?

00:39:06.090 --> 00:39:08.045
When the deposit hit on the 10th?

00:39:08.045 --> 00:39:09.969
I just want to check them out.

00:39:09.969 --> 00:39:12.014
Yep, coming to Costa Rica.

00:39:12.876 --> 00:39:13.777
Today's the purse.

00:39:15.106 --> 00:39:15.989
Coming to Costa Rica.

00:39:15.989 --> 00:39:17.331
Cherise, my money just hit.

00:39:17.684 --> 00:39:18.548
It's Pride Month.

00:39:18.548 --> 00:39:19.532
It's the first day of June.

00:39:20.371 --> 00:39:21.045
Oh, it is Pride Month.

00:39:21.045 --> 00:39:26.487
It is the first day of Pride, it is Pride Month, but yeah, that's kind of my next phase.

00:39:26.487 --> 00:39:29.612
I'm going to work hard for another, probably five years.

00:39:29.612 --> 00:39:43.403
Okay, another five years, because when I sit down, I want to be able to sit down when I say I ain't got to do nothing if I don't want to, I will, because I know I won't stop, but if I don't want to, you don't have to, I don't have to it ain't a worry in the world.

00:39:43.403 --> 00:39:44.590
In the world.

00:39:44.590 --> 00:39:50.405
So that's.

00:39:50.342 --> 00:39:50.639
That's where I'm at now.

00:39:50.639 --> 00:39:50.954
It makes sense.

00:39:50.954 --> 00:39:51.070
It makes sense.

00:39:51.070 --> 00:39:51.643
I'm coming costa rica with y'all.

00:39:51.581 --> 00:39:57.077
Look, I'm gonna keep throwing that in there, then I'm gonna come to costa rica, so yeah, and that's what I wanted to do.

00:39:57.918 --> 00:40:01.467
I mean, that's what I am going to do so the difference is soon.

00:40:01.507 --> 00:40:17.135
You did the entrepreneurial, so you know what I mean, but okay not, I'm not gonna put your thing out there, but you have an idea of a product that you've been thinking of, so you're not really sitting down Because that's got to go into development?

00:40:17.766 --> 00:40:19.820
Yeah, but if you take too much out of me.

00:40:19.820 --> 00:40:20.605
I don't want to do it.

00:40:21.485 --> 00:40:21.847
No but.

00:40:21.907 --> 00:40:22.590
I'm serious.

00:40:22.590 --> 00:40:28.074
Although it was sweat and tears, working on them, damn years.

00:40:28.074 --> 00:40:36.811
But um, I was lucky enough to meet, uh, uh well, my teacher years ago, who was a jewish lady.

00:40:36.811 --> 00:40:48.327
That literally told me, although I wish I would have did, the didn't have other stuff yeah but she did teach me about 401s and pensions and investing and all those things.

00:40:48.327 --> 00:41:01.914
So at least when I retire um, because it was a different era but at least when I retire I can truly walk away and know I'm okay yeah, real, for real, and have an option of doing something else or not.

00:41:02.074 --> 00:41:07.675
now you know, and I'll be well off, I'll be good, I'll be good.

00:41:07.675 --> 00:41:09.300
So if I do something else, I'll be well off, I'll be good, I'll be good.

00:41:09.300 --> 00:41:10.643
So if I do something else, I'll be well off.

00:41:10.643 --> 00:41:10.985
What'd you say?

00:41:11.786 --> 00:41:12.268
What'd you say?

00:41:12.809 --> 00:41:15.135
Well off, what'd you say boo, I would go.

00:41:15.135 --> 00:41:18.835
I mean, I put in a lot of time.

00:41:19.244 --> 00:41:20.291
Yeah, you've been there a long time.

00:41:20.291 --> 00:41:21.036
I had to do it.

00:41:21.036 --> 00:41:22.384
You know what I mean.

00:41:22.905 --> 00:41:25.708
And was lucky enough to be grandfathered into a pension plan.

00:41:25.748 --> 00:41:42.534
So I have to say that's on my side, because a lot of people you know aren't yeah or not um, but I said all that to say you know, I, I have choices, that's great, so I just have to decide yeah, I have choices, but I do the ideal that I told you about.

00:41:43.375 --> 00:41:44.777
Um, that's a legacy.

00:41:44.777 --> 00:41:46.827
Yes, leave for the girls.

00:41:46.827 --> 00:41:52.190
Yeah, um, and that's my mindset, but I don't want to work that hard though, so I really have to think about that.

00:41:52.405 --> 00:41:56.411
You know I don't, but you'll have the time to figure it out, or maybe I just need a couple a year.

00:41:56.885 --> 00:41:58.010
I just need maybe a year.

00:41:58.010 --> 00:42:15.838
Maybe, girl, when you walk away from see you didn't have that, you always, even though you still work hard, but it wasn't like, oh, I gotta take pto, I gotta, you know, like to just not have to worry about any of those things.

00:42:15.838 --> 00:42:30.199
I think I just want a little bit of space to just breathe, feel what it's like to not have to and but then I know my brain, it'll be back on 10 again, but it's all a choice yeah, but it's your choice so everybody comment what your pivot would be or if you have a pivot plan yes.

00:42:30.724 --> 00:42:31.789
We'd love to hear from you.

00:42:33.726 --> 00:42:34.409
All right, y'all.

00:42:35.485 --> 00:42:37.914
Well, here we are again All right, wrapping up another one.

00:42:38.684 --> 00:42:40.115
This is timeless and unfiltered.

00:42:40.115 --> 00:42:41.284
This is a little effort.

00:42:41.284 --> 00:42:43.050
I'm staffing her and Sharice.

00:42:44.125 --> 00:42:49.117
And now y'all got me thinking over here, we are spilling tea on midlife.

00:42:49.117 --> 00:42:50.878
We are spilling tea on midlife and hopefully Avon will be back soon.

00:42:50.918 --> 00:42:53.980
She will Come back bruh One life at a time.

00:42:54.159 --> 00:42:54.900
Thank you guys.

00:42:54.900 --> 00:43:11.992
Bye Bye, bye, bye, bye, bye, bye, Bye, bye, bye, bye, bye, bye, bye, bye, bye, bye, bye Bye.