Episode Transcript
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0:01
Hey, welcome back
0:01
to the Average Joe Finances Podcast.
0:03
I'm your host, Mike Cavaggioni,
0:03
and today's guest is Walli Miller.
0:07
So Walli, I am super excited
0:07
to have you on the show.
0:10
We had a great conversation
0:10
pre recording, and I'm super
0:14
excited to continue that on here. So welcome.
0:17
We finally had to hit the record button. Yes.
0:19
I'm so excited to be here, Mike. Thank you for having me.
0:21
I think it's going to be a really great
0:21
conversation, a little bit different
0:24
than probably what some of your listeners
0:24
are used to, but I think it's definitely
0:29
falls in line with what they want.
0:31
Yeah, it does. But, and at the same time, it
0:32
will be a little bit different
0:35
and that's what I'm excited about. So to start that off, let's
0:37
go ahead and introduce you.
0:40
So if you could just share a little
0:40
bit about yourself, share your story.
0:43
Tell my listeners who is Walli Miller.
0:47
Yeah once again,
0:47
thank you for having me.
0:50
So I am a first gen college
0:50
graduate, daughter of an immigrant,
0:54
born and raised in New York City,
0:54
and I'm a first gen millionaire.
0:59
I am also a financial coach.
1:02
And I love guiding people.
1:05
Through not only the math and the
1:05
calculations, but also that money
1:08
mindset that sometimes we get stuck at.
1:11
So that's the trajectory of where
1:11
things are right now, but that
1:15
wasn't how it always started. Like I wasn't always good with money
1:17
and I didn't always know all the things.
1:21
And yeah, in my twenties, I pretty much.
1:24
I thought I was good with money. I stayed out of credit card
1:25
debt and that was my definition
1:28
of being good with money. I was like, Oh, I don't
1:29
have credit card debt. Like all the finance people,
1:30
that's what they talked about.
1:33
Get out of debt, get out of debt. And because I didn't have credit
1:34
card debt, I thought I was good,
1:37
not realizing I was missing the
1:37
whole wealth building component.
1:41
And yeah, that's when
1:41
things changed for me.
1:45
That's amazing. Short and sweet, but to the point.
1:48
And I don't know how I didn't
1:48
notice this pre conversation and
1:51
how this didn't come up before.
1:53
I'm also from New York. I'm from Long Island.
1:56
And I heard your accent too, right? I heard it a little bit and I just
1:58
didn't even think anything of it.
2:01
So at least, you understand when I'm
2:01
talking, what I'm talking about when
2:04
I say New York has the best pizza and
2:04
bagels in the world, like hands down
2:09
probably the best Chinese food too. You just can't beat it.
2:12
Not a debate. It's not a debate.
2:14
Yes. It's not, but people will probably get
2:14
in the comments and start debating.
2:18
But look, just want you guys
2:18
to know it's already over.
2:21
It was over before you started.
2:23
That's what makes the pizza and the bagels different.
2:25
Exactly. So you actually, funny story. When I was down in Pensacola, Florida
2:27
for recruiting school, when I was in the
2:31
Navy, they opened up a Manhattan pizza
2:31
chain down there, familia, and When
2:37
they opened it up, I was super excited. My wife and I, we were both,
2:39
she's also from Long Island.
2:42
We were down there staying on the
2:42
base while I was going to school.
2:45
And as soon as they opened up, we went right in, right? We got a piece.
2:47
And that became our Friday thing. Every Friday while I was in school.
2:50
We went and got a pizza and
2:50
it literally tastes like the
2:54
one that I had in Manhattan. And I said, Hey guys how
2:55
are you making this so good?
2:58
And they said, Oh, we actually have
2:58
the water ship down from New York.
3:01
And it's, that's actually how we do it.
3:03
I'm like, no way. So it really is.
3:06
It really is the water. So I just wanted to point that out there.
3:09
It's pretty amazing anyway. Enough about New York and everything
3:11
and all that it's, we can go
3:14
down that rabbit hole all day. But now things are starting to make
3:16
sense as I'm talking to you now that I
3:19
know that you're from the city, actually
3:19
what part of the city are you from?
3:22
So born and raised in
3:22
the Bronx, but I live in Manhattan now.
3:25
I'm in yeah. And lower Manhattan.
3:27
Okay. Right on. Okay. So during your intro, you had mentioned
3:29
that you are first gen American, right?
3:34
Cause your parents were immigrants and
3:34
you're also a first gen college graduate.
3:38
And first gen millionaire, right?
3:41
So that's a lot of firsts that
3:41
you're all packaged all together
3:47
with what you've got going on. And I'm interested in hearing
3:48
your story when it comes to how
3:52
you actually got there, right? Because I'm second gen, right?
3:55
My grandparents were immigrants
3:55
and then my parents, of course
3:58
were living here already. And.
4:02
I got to see a couple of different sides of things. Like my grandparents had
4:04
their own deli and that was a
4:07
business that they were running. My father had his own business.
4:09
He had a trucking business. And I always had this entrepreneur mindset
4:11
because I, that's what I saw growing up.
4:16
But I also saw the feast and famine
4:16
side of it too, where it's one
4:19
day we're eating like Kings the
4:19
next day, it's like ramen noodles.
4:23
I'm curious as to what your experience was
4:23
with that growing up and then, of course,
4:26
being that first gen college graduate
4:26
what was that like for you to pursue that
4:31
when you haven't had anybody else in your
4:31
family to show you that way in the past?
4:36
Yeah, first of all,
4:36
my mom is Puerto Rican, so she's
4:39
not an immigrant, but she didn't
4:39
graduate high school, right?
4:43
My dad is an immigrant from Ecuador.
4:45
We being born and raised in New York
4:45
City, particularly growing up in
4:50
the Bronx, it's the poorest borough.
4:52
And so everybody was low income.
4:54
Everybody was on the struggle
4:54
bus, but like everybody like
4:57
did what they needed to do. Like when we talk about like hustle
4:58
culture, I mean that in the best
5:01
possible way, like everyone knew
5:01
how to make a dollar stretch and how
5:06
to make money when they needed it. Everybody was like, selling, the
5:07
holiday, traditional foods during the
5:12
Christmas and Thanksgiving seasons. So it was just like people that spirit
5:14
just was around everywhere, but my
5:19
parents necessarily didn't have that. Like my dad, got paid under the table
5:21
as they say, for most of his life,
5:25
never had a 401k or anything like that.
5:28
I am one of five kids. So my mom was a stay at home
5:29
mom for most of my life.
5:33
So there were like a lot of conversations
5:33
between the two of them that I like
5:38
overheard, but like money wasn't
5:38
something that we really talked about.
5:42
It wasn't something that, they
5:42
sat down with me and taught
5:45
me how to balance a checkbook. Like we didn't even have like
5:47
bank accounts, they kept the
5:49
money underneath the mattress. My dad, especially being an immigrant,
5:51
didn't necessarily trust banks
5:55
because of where he came from. So conversations around
5:57
money really didn't happen.
6:00
And I think for most of us, that's the case. Like it's very rare where you meet someone
6:02
where I've met someone and they're like,
6:07
Oh yes, my parents like taught me the
6:07
ABCs and the one, two threes of money.
6:11
Usually what we learn about money is.
6:13
Just observed and learned indirectly
6:13
and that was my experience as well.
6:19
So we didn't really have
6:19
conversations around money.
6:22
Sometimes the lights would get
6:22
shut off, sometimes, dinner was
6:25
like white rice and a fried egg. Those were some of the experiences that we
6:28
had, but it didn't take long to realize,
6:34
like it didn't matter how hard you worked.
6:36
Cause my dad works six days
6:36
a week, 12 hours shift.
6:41
And he was a very hard worker, so it
6:41
wasn't necessarily of like how hard
6:45
you work that wasn't the equivalent of
6:45
what made you wealthy or what made you
6:50
well off, but it was also like your
6:50
connections and the people you knew
6:55
and education and things like that. So I knew that for me, education was
6:56
going to be something that I needed
7:02
in order to change my circumstances.
7:05
And that was really what I. Connected with and I really
7:06
focused on, okay, how do I do this?
7:11
And again, this is like growing up
7:11
in a household where neither one of
7:15
my parents graduated high school. They didn't go to college, obviously.
7:18
So this was me just like looking over
7:18
my shoulder and seeing what the person
7:23
behind me and next to me were doing
7:23
when it came to even navigating that
7:27
experience of okay, what do you do after
7:27
high school and how do you get there?
7:32
Yeah, absolutely
7:32
love that and resonate with that as well.
7:35
Especially when you were talking
7:35
about how conversations around
7:38
money just didn't happen. It was always like a very taboo thing.
7:42
Now I, I remember hearing, my parents
7:42
argue and stuff about money back in
7:46
the day, but it wasn't really stuff
7:46
that, that was said in front of us.
7:49
It was more of ear hustling a
7:49
little bit and to hear that.
7:53
But yes, I totally get where
7:53
you're coming from with that.
7:56
Especially, when it comes to the
7:56
whole hustle culture you were
7:59
talking about in the Bronx, right? We might not have it as strong on
8:00
Long Island But you know that hustle
8:05
culture that you have just as a
8:05
New Yorker in general is definitely
8:08
something that's a contagious, right?
8:12
Because that's something I actually
8:12
want to give to my kids as well.
8:15
Even though like I know that they're
8:15
gonna be In a much better spot than I
8:20
was, when they become an adult, I want
8:20
to make sure that they know that they
8:25
got to work hard to keep that going.
8:27
That's not just going to be like a handout. I don't want them growing up
8:29
with a silver spoon in their
8:31
mouth or anything like that. I feel like that's something to
8:32
like that hustle and that grind
8:35
mentality that you have is something
8:35
that you want to keep passing down
8:38
from generation to generation. So yes, building generational wealth is
8:40
great, but you also want to build that
8:44
generational hustle culture, right?
8:46
That you're going to pass down. So that's huge.
8:49
Now, one of the things you had
8:49
mentioned is that you knew that
8:53
education was something that you
8:53
needed to change your circumstances.
8:56
So right away, the fact that you
8:56
describe it like that, it shows me that
9:01
you were very serious about changing.
9:04
Your future and changing what
9:04
opportunities were put in front of you.
9:07
Because when you say education was something you needed to change your circumstances,
9:09
that's what that speaks to me.
9:12
You want to change your circumstances
9:12
for not Oh, I want to go get a
9:14
degree just to go get a degree
9:14
or be the first one to get it.
9:17
It's no, I want to get a degree
9:17
to make sure that I can have
9:20
a better life in the future. To make sure that I'm going to be able
9:21
to get a job that's going to have the
9:24
income that I don't have to worry about.
9:27
The light's getting turned off. And I feel like little things like
9:28
that, that we pull from our childhood,
9:32
that you remember, those are things
9:32
like, okay, I don't want this to
9:34
happen in my household in the future.
9:36
So it's one of the things that you always
9:36
work for to get better at, you always
9:40
want to try to give your family something
9:40
better than what you had growing up.
9:44
I definitely respect that. Now I want to get into.
9:48
What you do now, cause like
9:48
you're a financial coach.
9:50
I also do financial coaching. So I really love to hear
9:52
about what other coaches do.
9:55
And I'd like to know when it
9:55
comes to actual money, right?
9:58
Because you got to the point where
9:58
you got yourself in a very good spot.
10:02
A lot of people have
10:02
misconceptions about money.
10:06
So I want to know for you, what can
10:06
you tell me with the clients that
10:09
you've worked with is the biggest
10:09
misconception that you've found that
10:13
people think when it comes to money.
10:17
Yeah, I think when people
10:17
come to me specifically for financial
10:20
coaching, they assume that it's all
10:20
going to be talking about the numbers and
10:24
the spreadsheets and the calculations.
10:27
And of course, we do that. We look at the numbers.
10:29
We understand 1 plus 1 equals 2, right?
10:32
We understand what the numbers
10:32
are and get to the bottom of it.
10:35
But so much of it, has to do
10:35
with our relationship with money.
10:39
And I just want to go back to
10:39
something when I talk about, it's
10:42
not necessarily hustle culture,
10:42
but it's like worth ethic, right?
10:46
It's when I talk about education,
10:46
that doesn't mean a degree right now.
10:50
We're in, a place in time where
10:50
you can listen, you can get a PhD
10:56
in whatever subject you want by
10:56
listening to the podcast, reading
11:00
the books, blogs, YouTube channels.
11:02
One of the things that I mean, yes, for
11:02
me at the time, the only education that I
11:07
knew was the traditional college, right?
11:10
But today there's so much like listeners
11:10
to your podcast, they've learned so
11:15
many things and have been exposed to
11:15
things they didn't even know existed.
11:19
And so that's something that
11:19
I am trying to really ingrain
11:22
in like the next generation. It's yes, education and a
11:24
degree can be helpful, but let
11:28
me also expose you to this.
11:30
Whole other side that you don't
11:30
even have to wait until you
11:33
graduate high school, right? Like you can start getting this
11:35
education in middle school.
11:38
And then, in a while, you're still
11:38
in high school and just can really
11:41
learn so many different things. And I think And genuity and
11:43
creativity is also a component
11:47
to like that hustle culture. Cause they think so many times
11:49
millennials are for sure.
11:52
Gen Z years are really like bucking the
11:52
change on this, but it's not necessarily
11:57
about grind until you're exhausted
11:57
and tired and just feel burnt out.
12:03
It's about how can I do what I
12:03
need to do in a more creative way?
12:08
Again, that ingenuity and also achieve
12:08
the life that I want to live, right?
12:14
And whatever that might mean for you. So right now when my clients, they
12:16
come to me, yes, they think we're
12:19
going to talk about the numbers and
12:19
the calculations and we do that.
12:22
But that mindset piece and that
12:22
relationship with money is so important.
12:26
That's why I went back to that
12:26
using that word hustle, right?
12:29
Because language and the
12:29
words we use to describe.
12:33
Our feelings, our interactions, our
12:33
behavior, the exchange we have with
12:38
money and how we earn it and also how
12:38
we spend it is so critically important.
12:44
Walli, that's
12:44
fantastic because the language,
12:48
like the way that you bring that up. It's just, it's the way that you're
12:49
putting it so that people are gonna
12:52
sit here and understand right off
12:52
the bat where you're coming from.
12:55
That's one of the things I love to
12:55
do about this podcast as well, right?
12:58
I don't like to sit here and have,
12:58
a conversation that is like too
13:01
complicated or too technical or
13:01
something that's gonna scare somebody
13:04
that's just getting into this away. I want somebody to come to this
13:06
podcast and listening and listen
13:09
and say, Hey, you know what? I understand this.
13:12
I'm not intimidated. I want to learn more. And, I'm going to go back and listen to
13:14
some of these other episodes because,
13:18
the way that these guys are having
13:18
these conversations, it makes me feel
13:21
comfortable, if somebody's putting
13:21
out acronyms or things like that, I'll
13:26
say, okay, Hey, what does that mean? Please explain that.
13:28
Even though I know what it means, I
13:28
want to make sure that no listener
13:31
or nobody gets intimidated. And.
13:34
Okay. And I do it that way because I feel like
13:34
it's not that people wouldn't understand.
13:39
It's just that right now, when somebody
13:39
is coming here to get that information,
13:42
they're coming here to learn right now,
13:42
not sitting here and look things up.
13:45
For me personally, I like
13:45
to be a content sponge.
13:48
I am constantly absorbing
13:48
content all around me every day.
13:53
Whether it's through books,
13:53
YouTube videos, podcasts my kids
13:57
are sick of podcasts because every
13:57
time we get in the car, they're
13:59
like, daddy, please put on music. We don't want to listen
14:01
to any more podcasts, but.
14:04
For me, like I'm always trying
14:04
to learn, and that's what I love
14:06
about what you described there. It doesn't mean go get your
14:08
degree or anything like that.
14:11
There's so many different
14:11
ways you can learn today.
14:14
And, I can tell you right now,
14:14
I haven't finished my degree.
14:16
I'm like three classes away and I've been
14:16
three classes away, probably for 12 years.
14:21
And I just haven't finished it. Maybe I will one of these days,
14:23
just to say I did it, but.
14:26
I haven't had the need to, and I've
14:26
experienced a lot of success without
14:31
having a college degree, so it's.
14:34
It's a matter of where you get your education. It actually it doesn't matter
14:36
where you get your education from.
14:39
What matters is that you're
14:39
always willing to learn.
14:42
That curiosity. Yeah. Attribute is so important.
14:45
Get curious, ask a million questions.
14:49
Why? And I think sometimes it can
14:49
feel intimidating, right?
14:52
Like obviously today we're talking about
14:52
money and money is a very taboo topic.
14:58
But if we're not curious with
14:58
ourselves and with other people,
15:02
we just stay in the dark, right? Yeah. And when I remember I would hear
15:03
different podcasts talk about
15:07
or books or things that I was
15:07
reading people talk about wealth.
15:11
And I didn't even connect with that word. Of course I like knew what that meant.
15:15
I knew what the dictionary said,
15:15
how people defined wealth or
15:19
how it defined wealth, but I
15:19
couldn't connect with that word.
15:23
When I thought about wealth, I thought
15:23
of an old man with gray hair, smoking
15:27
a cigar, like in a velvet robe, it just
15:27
wasn't like a word that I really connected
15:32
with until I started to get curious
15:32
about what would wealth look like for me?
15:39
I absolutely
15:39
love that, and again, that goes back
15:42
to the message of, simplicity, right?
15:45
When you're putting a message out there to make it. So you're not intimidating anybody.
15:49
There was something else you said,
15:49
too, when we started this off and I
15:51
absolutely love this because I've had.
15:54
Other folks come on the show
15:54
that were also financial coaches.
15:57
And it's funny because I think we all
15:57
look at it this way, but you were talking
16:02
about the relationship with money.
16:05
And I feel like a lot of people
16:05
don't realize that you do have a
16:09
relationship with your money, right? And no matter what you're
16:11
purchasing, I don't care what it is.
16:13
Even me as a real estate investor or
16:13
investing in anything, whether I'm putting
16:18
money into the stock market, whatever
16:18
it is, I always get that uneasy When I
17:02
write that check, or I wire the money,
17:02
or I send it, because now it's gone.
17:06
And I'm like, I had it. But now it's gone.
17:08
I went and put it to work. It's like sending your, your kids
17:09
turn 18 and you're sending them off to
17:12
college or sending them off to wherever
17:12
and you're just letting them go.
17:15
And it's okay, go out into
17:15
the world and make me proud.
17:18
That's you're doing that with your money. And I feel like a lot of times
17:20
people don't realize that you
17:22
have this emotional attachment.
17:25
So no matter what it is that
17:25
you're putting your money into,
17:28
there's always emotion involved. You go buy a new car.
17:30
That's an emotional decision. You buy a home.
17:33
It's an emotional decision. So can you touch on that a little bit
17:34
and tell me like what your experiences
17:38
have been with that when it comes
17:38
to the emotions tied to money?
17:41
Oh, yeah, people
17:41
can talk about money or debt, for
17:44
example, and use weighted words, it's
17:44
bad, it's good, leverage is good,
17:50
like all of these different things. And really, it's neutral, right?
17:54
Debt is neutral, money is neutral,
17:54
but it's laden with emotions.
17:58
And sometimes people will come and they'll
17:58
say, I just I want to work with somebody.
18:02
And I just don't ever want
18:02
to have to think about money.
18:05
And I say, I'm sorry, I'm not
18:05
the financial coach for you.
18:07
We're always going to think
18:07
about money, but it's how we
18:12
react that can improve, right?
18:15
So from making something feel like
18:15
a total crisis to an inconvenience,
18:19
and I'll give you one example. I am remodeling my apartment here in the
18:21
city and I worked with a designer to pick
18:26
out some furniture and I said, okay let
18:26
me, create a savings fund and I'll just.
18:31
Wait until I have the money
18:31
so I can pay it in cash.
18:34
And so I did that and then it was time to
18:34
go buy this couch and I hadn't bought a
18:38
couch in years, probably a decade or so.
18:40
And I didn't realize how
18:40
expensive couches I've gotten.
18:43
And I remember I kept putting excuses.
18:46
I said it's October. Let me wait until after
18:47
the snowy winter season.
18:50
Wait, let me wait until
18:50
after the holidays, before
18:52
everybody like comes over. And I just kept putting all of these
18:54
excuses about the couch, and January
18:58
came, February, March, and in May, this
18:58
May, the designer texted me, and she's.
19:03
Hey, I would love to see photos. How did everything turn out?
19:06
And guess what? Walli had not bought the couch.
19:09
And I was like, why haven't
19:09
I purchased this couch?
19:12
And I started thinking, I said, is it
19:12
that I don't want this couch anymore?
19:15
Now, mind you, I had gone to the store
19:15
like six times before to make sure that
19:19
this was the right couch, but it's okay. If you want to change your mind, I
19:21
said, no, did I really that couch?
19:24
It's a nice couch. And really, when I got to the root of
19:25
it, I had this thought in my head that I
19:29
couldn't afford it, which was not true.
19:32
I literally had an account
19:32
separated for this couch, right?
19:37
But that just goes to show that
19:37
our relationship with money
19:41
is always evolving, right?
19:43
It's always changing. And we want to make sure
19:45
that we have this awareness.
19:47
A lot of times we don't, we're not
19:47
in tune with the way we feel why we
19:52
think what we think about money, right?
19:54
What were some of the things
19:54
that we learned about money?
19:57
My parents didn't tell me buying
19:57
expensive things is the waste of money.
20:01
Like they never had that conversation
20:01
with me, but there was like this
20:03
sense don't, spend your money. You could buy things on the cheap or
20:05
you can buy things less expensive.
20:09
And I love a good coupon. Like I have no, no shame in like using
20:10
a good deal and finding a good deal.
20:15
But there was like this ingrained
20:15
thought in me after many years.
20:18
And I think I have a really good
20:18
relationship with money that
20:21
even today I had that thought.
20:24
Of I can't afford the couch, and
20:24
I had to capture that thought.
20:28
I became aware that was the thought
20:28
that I was thinking, and I had to
20:32
capture and say, Do you believe that?
20:34
Is that true? Where is the proof to that?
20:37
And sometimes that's what we have to do
20:37
when we're thinking about making financial
20:41
decisions, whether it's a $5 decision or
20:41
a $5,000 decision or $500,000 decision.
20:47
It's about okay, understanding
20:47
what the numbers say.
20:51
And then also, checking in with ourselves,
20:51
checking in with our minds, our heart, our
20:56
emotions, and seeing how that also feels.
20:59
Cause sometimes we will listen too much to
20:59
our emotions and forget about the numbers.
21:03
And then other times we focus
21:03
too much on the numbers.
21:07
And then forget about whether or not
21:07
it's going to keep us up at night.
21:11
And so I think it's really important
21:11
that when we're trying to make
21:14
financial decisions, and when we're
21:14
thinking about our relationship with
21:18
money, it's really about why is it
21:18
that I believe what I believe about.
21:23
X thing, right? Like when people say it's too expensive.
21:26
Who told you it was too expensive?
21:29
Why do you think it's too expensive?
21:31
And so I know it sounds a little woo.
21:33
And I will say that when I first started
21:33
financial coaching, I'm a definitely
21:37
a money nerd and a numbers nerd. And I love talking about that.
21:41
But as I worked with more and more
21:41
people, I just kept uncovering
21:45
some of the same blocks. And it's if you don't get your mind
21:47
your money is not going to be right.
21:51
Yeah, absolutely. Mindset is probably the biggest challenge
21:52
that any coach I believe faces in any
21:58
industry, whether you're a financial
21:58
coach or you're a life coach, whatever
22:01
it is, it's always that mindset that
22:01
you have to help your clients like
22:05
overcome and get past that hurdle. One of the things you were talking about,
22:08
like it doesn't make a difference if it's
22:10
$50, $500, $1,000, $5,000, $500, 000.
22:14
It's just more zeros, and
22:14
that's the way you got to look
22:17
at it, it's just more zeros. And if you have the means to
22:19
make it happen, then forget it.
22:23
It's just more zeros. That's it. And once you can get to that point where
22:25
you can let some of that stuff go and
22:28
get over that emotional attachment.
22:30
You're going to get a lot better. There's still going to be emotion.
22:33
I don't care whether or not you say,
22:33
Oh, all my purchases are emotionless
22:38
and I'm completely, removed from
22:38
that, that, no, that's a lie.
22:41
Okay. If you were to get on a lie detector,
22:42
that thing would be going off like crazy.
22:46
But anyway I absolutely love that. So I wanted to ask you because you said
22:48
when when it came to the couch, you had
22:51
like your own account for it, right? So do you do sinking funds?
22:55
Yes, that's exactly what I did. So I had, I was like, I
22:57
don't want to go into debt.
23:00
And so I say specifically for
23:00
my home renovation fund and
23:03
that's what it was there for.
23:06
Can you explain
23:06
what sinking funds are for the listeners?
23:09
Yeah, absolutely. So a lot of times what we'll do is we
23:10
go on the vacation, put it on a credit
23:15
card, come back and then be worried to
23:15
open up our credit card transactions or
23:20
open up the credit card statement, right? And we just deal with it later.
23:24
And really to avoid that one of the
23:24
ways to avoid or minimize that, right?
23:28
Maybe even eliminate that is to yeah.
23:31
Save little by little
23:31
until you reach your goal.
23:34
So if next year you're going to take
23:34
your family on a vacation, maybe go
23:38
visit Mike down in Hawaii, right?
23:40
You know that you're going to
23:40
go ahead and have that vacation.
23:44
Think about, okay, this is the
23:44
amount of money that we probably
23:47
need and then divide it by the number
23:47
of months or the number of years
23:52
that it will take you to get there. So this could be done.
23:54
For whether or not, again, you're
23:54
making a $500 purchase, a $5,000
23:58
purchase, or if you're saving for
23:58
your first home down payment, right?
24:02
And so a sinking fund, literally, I say
24:02
it's an encouragement suspense, because
24:07
once you hit your goal, then you can
24:07
feel confident in spending that money.
24:12
Now, I will say some of my
24:12
clients have It's finally safe
24:16
for their first vacation, and
24:16
then the mind drama comes, right?
24:20
So if they were used to spending $3,000
24:20
on a vacation, and now they say $3,000
24:26
and they see that lump of, that sort
24:26
of that sum of money now the mind
24:30
drama happens of Oh, we can't spend
24:30
$3,000 on a vacation when they used
24:34
to spend the same amount of money. Or more because they were
24:36
paying fees and interest.
24:39
And they were just swiping the card. There was no numbers in front of them.
24:42
There was no numbers in front of them. So there will be, this is again,
24:44
back to where we started, which is
24:48
like that relationship with money
24:48
and how we interact with money and
24:52
like building that healthier habit.
24:55
So a sinking fund is essentially if you
24:55
have a goal to, save 1, 000 Christmas is
25:01
right around the corner of the holiday
25:01
season is right around the corner, right?
25:05
We're talking about November,
25:05
December, January, some of
25:07
the most expensive months. It's what's coming how can you make sure
25:08
that you leave that time period you enter
25:15
the new year with that The least amount
25:15
of damage possible and one of that is by
25:20
thinking okay How much money do I need
25:20
to save every week or every paycheck or
25:25
every month until the holiday season?
25:28
So that I can have that money
25:28
and be able to spend it.
25:31
Guilt free because i've
25:31
actually planned for it.
25:35
Yeah, I,
25:35
Walli, I absolutely love that.
25:37
And that's why I wanted to bring up sinking funds. Because when you described that, I was
25:39
like, it sounds like sinking funds to me.
25:42
If you go to my YouTube channel,
25:42
like that's literally like my
25:44
intro video is a TikTok that I
25:44
did where I was explaining sinking
25:47
funds to another version of myself.
25:49
And because sinking funds for me has a
25:49
very special place in my heart because
25:54
it's actually how I paid off all my debt. Yes.
25:56
I did the snowball method and
25:56
everything, but when it came to Keeping
26:00
everything else afloat, sinking funds
26:00
is what made that happen, right?
26:03
Like I had my own account
26:03
for the pets and the vet.
26:07
I had my own account for the
26:07
car payment and car maintenance.
26:10
I had my own account for the the
26:10
mortgage or the rent, wherever
26:13
we were living at the time. I had another account for, we had like
26:14
fun money account where this is the money
26:18
that we can use to spend on the month to
26:18
go out to eat or to do something with the
26:22
kids, go to the movies, whatever it is. And of course that one did not get
26:24
enough, as much love as all the other
26:27
accounts, because that was the, the
26:27
tightening up and being frugal part of it.
26:31
But at the same time. It's one of those things, like what
26:33
you pointed out there, with the family,
26:36
with the vacation and they, they spend
26:36
$3,000 and all of a sudden they see
26:40
that money there and it's oh wow,
26:40
okay it's actually in our account.
26:44
Do we really want to spend this? So sometimes it could be like
26:46
a double edged sword, right?
26:49
Because you're like, you
26:49
saved for that vacation.
26:51
You earned it. And now it's time to go execute that.
26:55
But now you're having second thoughts. Cause you're like. I could put this money into something else
26:57
or maybe I could dump it into more debt,
27:01
or maybe I can invest it into something
27:01
and, so you start asking those questions.
27:05
One of the things that I look at
27:05
is if you have a month, have that
27:08
money in a specific account for that
27:08
specific thing, that's what it's for.
27:11
So go treat yourself. Don't beat yourself up about it, and.
27:15
You earned it, right? I, one of the things I always love to
27:16
talk about is celebrating small victories.
27:20
If you pay off a credit card balance
27:20
or anything like that, take a little
27:24
bit of extra cash, go out to dinner,
27:24
go celebrate, because if you sit
27:28
there and you start paying all these
27:28
things off and you find yourself.
27:32
Not celebrating your wins
27:32
and you're just back to back.
27:35
Okay. I'm just going to pay this off. I'm going to pay this off. I'm going to pay this off.
27:37
It starts to become very monotonous
27:37
and very, not something you're
27:41
having too much fun with. So if you go,
27:44
yeah, like
27:44
a road to deprivation.
27:46
Yes, exactly. Don't deprive yourself.
27:49
Right? And there's a difference
27:49
between, short term sacrifices.
27:53
But also I, and I will say that frugal
27:53
in your way to wealth is possible.
27:58
100%. I don't know about you, Mike, but I don't
27:59
want to be frugal my way to wealth, right?
28:03
I want to spend money on the things
28:03
that I value unapologetically.
28:08
And then the things that I don't
28:08
really care about the things that are
28:11
sucking my energy and sucking my time.
28:13
Okay. And, that I don't even remember
28:14
that I don't care about.
28:17
I don't want to spend money on that. And so it's really picking out
28:18
the things that you do value.
28:22
And I will say, to your point of
28:22
sometimes it can be a double edged sword.
28:25
If you've saved for a specific goal and
28:25
now you're like, Oh, should I release it?
28:29
This really happens. And I will give my clients a homework
28:31
assignment of coming back from that
28:35
vacation with 0 in that account.
28:37
Because sometimes it's like learning
28:37
also how to spend money and this we
28:42
can see even we were talking before
28:42
this, the financial independence
28:46
retiring early community, right? We get so focused on the
28:48
accumulation phase, right?
28:52
And then we want to go on the preservation
28:52
phase and totally forget, the whole
28:56
reason you're doing that is so that
28:56
you can spend money right so that
29:00
you can live the life that you want
29:00
so you can have that life design.
29:05
And so it is really important to
29:05
make sure that I hate using the word
29:10
balance because I don't think things
29:10
can really 100 percent be balanced,
29:14
but I think it's about valuing
29:14
right make sure you are valuing.
29:19
That you're spending money on the
29:19
things that you're valuing and
29:22
understand what it is that you value.
29:24
And no one can determine that for you. Only you.
29:28
Yeah. Absolutely love that Walli, because
29:28
it's all about, the decisions
29:32
and choices that you make. And what's important to you, right?
29:36
What you're going to use that money for, right? What is the important things?
29:40
That, that you find valuable in your life.
29:43
And that's why I want to ask you too. So as a coach I've seen a lot of folks
29:45
that have some serious debt and they're
29:49
like, Hey, my goal is to pay off all of
29:49
all of my debt before I start investing,
29:54
what are your thoughts on that? What if somebody is in debt, but
29:55
they want to start investing while
29:59
continuing to pay down their debt? What would you say to somebody
30:00
that, that approach you like that?
30:02
Because I feel like I know what your
30:02
answer is going to be just based off
30:05
the conversation we've been having and
30:05
talking about what you value in life.
30:09
But I'm curious, if you've
30:09
actually ever had to deal with
30:11
that at all too with any clients.
30:13
Yeah, I definitely
30:13
have some people who have six figures
30:17
of debt and they're like usually
30:17
it's from student loans, right?
30:20
So they have six figures of student
30:20
loan debt and they're like, look,
30:23
I'm gonna have that debt for a long
30:23
time, but I wanna be wealth building.
30:26
And they've made that decision to do both.
30:28
But then I have some clients who are like,
30:28
I don't know what's the best decision.
30:33
And again, I think we have
30:33
to go back to the why.
30:36
Cause being debt free for the sake
30:36
of being debt free is all cool, but
30:41
is that going to keep you motivated? And is that going to let you live
30:43
the life that you want to live?
30:46
Not just today and tomorrow, but five
30:46
years from now or 20 years from now.
30:51
So I think, What's the math behind it?
30:54
Sure. We can go over the math. So if you focus on paying debt
30:55
first, this is what it looks like.
30:58
And then you waited to invest. This is what that looks like.
31:01
And of course we know the sooner you
31:01
get started investing, the better it is.
31:07
But I think, looking at what those numbers
31:07
actually are, what would it look like?
31:11
Okay. If I maybe had to pay off my
31:11
debt a little slower, right?
31:15
And do it a little slower, but I'm
31:15
also building wealth on the other end.
31:19
Can I do that? And what those numbers will look like
31:20
and really understanding what is it
31:23
that you want to accomplish, right? Is your goal to retire early?
31:27
Is your goal to be financially independent? Is your goal to, be work optional, right?
31:32
So really understanding, and
31:32
sometimes clients don't know this.
31:36
I think. Somewhere between when we're born
31:36
and when we get to adulthood, like
31:41
we are taught that dreaming is bad.
31:43
And so even trying to figure out what
31:43
a goal looks like can be a little
31:48
nebulous, can be a little hard, right? People like, okay if I could just
31:50
pay off this credit card debt,
31:53
like I'll be happy with that. And I'm like, okay, great.
31:56
What about if you could pay off
31:56
that credit card debt and also
31:58
have an emergency fund and also
31:58
have a nice nest egg there?
32:03
What would that feel like? People, if you've been stuck in that
32:04
sort of if you've been stuck in that
32:09
overwhelm and also avoidance feeling.
32:12
It can be hard to even think
32:12
that is possible, right?
32:15
And, but that's what makes
32:15
our job so wonderful, right?
32:17
Is like showing people the
32:17
possibility of their options, right?
32:22
Of what their options look like.
32:25
Walli, absolutely
32:25
love that because, and that's very
32:28
refreshing to hear because there's a
32:28
lot of times I've talked with other
32:31
financial coaches, they're like, Oh no. Always got to pay off the debt first.
32:34
I was going to pay off the debt first. Like they're very in that. That Dave Ramsey mode, right?
32:38
And I get that to a point, right? If there's, if you have some really high
32:40
interest credit card debt, definitely
32:45
want to get rid of that ASAP, because
32:45
even if you're investing in something
32:49
that's giving you a 12 to even 15 percent
32:49
return, you're still losing money at
32:52
that point with the credit card debt. So yeah, so there's certain things, but
32:54
then if you have a debt consolidation
32:58
loan, it's got a lower interest rate
32:58
and you're still wanting to invest.
33:01
There's. Everyone has a different goal, right?
33:06
And what matters is that, can you
33:06
show them a way to reach their
33:11
goals while still doing both?
33:14
And if you can, then that, that would be
33:14
the best route for you, because if that's
33:18
what you want to do, but it all comes
33:18
down to the person themselves they have
33:22
to stand up and make that decision, right?
33:25
As, as a coach, you can
33:25
only sit here and say, Hey.
33:28
This is a great option that might
33:28
be best for you, but you're the
33:31
one that has to make that decision. You're the one that has the toughest
33:33
job of all, because you're the one
33:38
that has to actually say, okay,
33:38
this is what I'm going to do.
33:42
And I feel like a lot of times people
33:42
think no, my coach will tell me I'm good.
33:45
I'm good. I just, I listened to what the coach says. You could listen to the coach all
33:47
day, but you have to be the one taking
33:51
the action and making the decision. Your coach is not there when you're
33:52
out at target and you decide to
33:56
go get, an extra Starbucks venti
33:56
something, $30 drink, right?
34:02
Your coach isn't there. Your coach isn't there when you decide
34:03
you want to go get a new outfit, right?
34:07
So it's a matter of. What are the decisions that you're making?
34:10
One of the things that I also had to,
34:10
and I want to bring this up to back
34:12
to the sinking funds is we even had,
34:12
we had sinking funds for clothing.
34:16
So like we knew, like we need to spend
34:16
however much on clothing each year.
34:20
This is what we did. So we put that money to the side.
34:22
So when we did have to go get a new
34:22
outfit or something like that, boom,
34:26
it was there or kids getting ready
34:26
for school and stuff, money's there.
34:30
I feel like there's so much. That you can do, but it all goes back to
34:32
the person making the decision themselves.
34:39
Yeah, no, absolutely. You don't get your adulting
34:41
card taken away from you.
34:45
I like that. I like that.
34:46
When you're working
34:46
with a financial coach, right?
34:48
I like, when people try
34:48
to describe what is that?
34:52
What do you really do when you're
34:52
talking about like financial coaching?
34:54
Is it like financial advising? What is it?
34:56
And I say.
34:57
So actually can you tell me what is the difference between what you do as a financial coach
34:59
and somebody who's a financial advisor?
35:03
Sure. So one of the things that I do not do
35:04
is that I do not sell insurance and
35:08
I do not I cannot sell investments or
35:08
money management or anything like that.
35:12
So I don't sell products. When you normally when you talk to a
35:15
financial advisor, they tend to want to
35:21
they tend to be a money management firm. And so they might sell you a couple
35:23
of investment or insurance products.
35:27
And That's cool and fine, but they're not
35:27
going to give you like that educational
35:32
component or help you understand why.
35:35
And I think that with financial
35:35
coaching, it's different than a
35:38
financial educator or financial teacher. Cause I think there is an
35:41
education component to it.
35:43
I have a teacher's heart. So I love to introduce my
35:44
clients to new concepts.
35:47
So there is that financial literacy
35:47
piece, which is, I don't know about you,
35:51
Mike, but I don't know what New York
35:51
City public school you went to, but I
35:54
didn't have that class in school, right?
35:57
We didn't learn.
35:57
Definitely did not have that class either.
36:00
Yeah. So we don't really learn
36:00
about personal finances. So I think that financial literacy piece
36:02
is really crucial, but the piece that's
36:07
missing from there is the application
36:07
and the implementation of the techniques.
36:12
And the techniques and concepts
36:12
that we're learning, right?
36:15
And again, that money mindset,
36:15
peace, understanding why we behave
36:21
with money in the way that we do. Why is it that we interact
36:23
with it in the way that we do?
36:26
And I don't want to understate
36:26
it's not just how you spend money,
36:30
but also how you earn money. That's why when we were talking
36:31
about hustle culture, right?
36:35
I want to be careful with using that word
36:35
because there's some people who think
36:38
that the only way to do it is like burning
36:38
themselves to the ground, forsaking
36:43
relationships, family, ties, and that
36:43
is a way to build wealth in one area.
36:51
But then what about the wealth
36:51
of your relationships, right?
36:54
You lose so much more.
36:55
Yeah. And so we just want to make sure that
36:56
we're earning it and spending it in
37:00
ways that really bring us joy, right?
37:03
When we talk about value,
37:03
it's what brings you joy.
37:07
When you think about what
37:07
you want your life to be.
37:09
Yes, to look like, but also to feel like
37:09
when you wake up in the morning, when
37:14
you reflect on the last seven days, 30
37:14
days, one year's worth of time, what
37:20
do you want to feel about your life? And money is again, very neutral.
37:25
It's laden with emotion, but it's
37:25
a tool that we can use to help
37:29
design the life that we want. And so with, this is why this is where
37:31
financial coaching and a financial coach
37:37
really can help you understand that
37:37
I have some clients who actually have
37:41
financial advisors and we work together.
37:43
So when they have questions
37:43
about yeah, the financial advisor
37:46
said this, I don't know why. What does that mean?
37:49
We can talk about it. What does it make them feel like?
37:51
Give them that education piece. And then they feel more confident, right?
37:55
Rather than feeling I'll just not done.
37:57
I was going to say diverge, but
37:57
give them the opportunity, give
38:01
them the hold of the range, right?
38:03
Like you take them control. Yeah, you don't want to give
38:06
them all of the control.
38:08
Nobody's going to care about your money.
38:10
Nobody's going to care about the life
38:10
that you're living more than you,
38:14
but you have to understand why you're
38:14
making the decisions with your money
38:19
and choosing the funds or buying the
38:19
product or whatever the case might be.
38:22
Why are you doing that? And does that align with the
38:24
vision you have for your life?
38:27
Yeah, I love that. That's the question you have to ask yourself. Why?
38:30
Why are you doing what you're doing? And then at the same time, I really
38:31
like what you pointed out too,
38:34
with the hustle culture piece. Like it's not about, always
38:36
hustling and burning yourself out.
38:40
There has to be some type
38:40
of balance in there, right?
38:42
You need to look at your, the
38:42
entire picture of your life.
38:46
Money's just a piece of that. There's still so much more with
38:49
relationships, spirituality,
38:52
like so many different things
38:52
that make you who you are.
38:56
So don't lose sight of this
38:56
other side because you're just
39:00
focused on the money over here. And I stress that because
39:01
I've been there before.
39:05
Like I've Been to the point
39:05
where I was just hustle hustle,
39:07
and just working and grinding. And then realize that, Oh man, I forgot,
39:09
Hey, my family's still over here.
39:13
They still need me too. And I'm just, I'm bringing that
39:15
up from personal experience.
39:17
It's super important to make
39:17
sure that you balance it out the
39:20
best way that you possibly can. And remember why you're doing,
39:22
sorry, why you're doing been.
39:30
Absolutely amazing. And now I'd like to take this into
39:32
something that I call the final round.
39:36
It's where I'm going to ask you the
39:36
same four questions I ask everybody
39:38
that comes on the show and it gives
39:38
us a, just a good idea of how you are
39:41
under a little bit of pressure, which
39:41
I think we all see and already know
39:45
that you're going to crush this thing. So if you're ready to go,
39:46
we'll get that party started.
39:49
Let's go.
39:50
All right, let's do this. All right. So Walli, first question of the final
39:51
round, what's the biggest mistake
39:56
you've ever made when it comes to
39:56
your finances or business life?
40:00
Okay, one of the biggest
40:00
mistakes that I made was I was in
40:04
the process of buying a triplex and
40:04
this was a case where it was it was a
40:10
short sale and we wanted to purchase.
40:14
It was like a triplex. My family, most of my
40:15
family now live in Florida.
40:18
And so I was like, okay, I will. Rent two places out and then the other
40:20
long term rentals and the other one I'll
40:24
have as a short term rental So when i'm
40:24
visiting florida, I can be there and
40:28
we kept going back and forth with the
40:28
numbers And of course, I just wanted
40:31
to say tell me how much you want and
40:31
finally, I just said, you know after
40:37
counter offers and things like that. I just gave up because I just didn't
40:39
know what they wanted Come to find
40:42
out the I think they wanted like an
40:42
additional $12,000 and it sold for
40:48
an additional $12,000 and that sucked
40:48
because that rental property ended up
40:53
selling they divided it and they ended
40:53
up selling for Six times more than
40:58
what I would have purchased it for. And it was like, Oh my goodness,
40:59
I should have just hung in there.
41:03
Yeah. You know what they say, right? The best time to buy real
41:05
estate was 20 years ago.
41:07
The second best time is today. So every time you're in a
41:08
situation like that, it's yeah.
41:11
So yeah, I definitely feel that it
41:11
hurts, but I appreciate your transparency
41:16
there and sharing that with us. Okay.
41:19
Walli, the next question you're
41:19
gonna see, these all kind of tie
41:21
into each other is what is something
41:21
that you've learned that you wish
41:25
you knew when you first got started?
41:29
The journey is going to go
41:29
way faster than you could even imagine.
41:33
I think I. Even though I knew what the numbers
41:35
would say and I, even though I knew what
41:39
was possible, I think I still worried
41:39
and, just, it's not worth spending
41:45
your life's energy worrying, right?
41:47
And this really ties into the power
41:47
of investments and then the power
41:51
of compounding interest, which many
41:51
people have talked about on this show
41:55
already, but it's really, the journey
41:55
is going to go by so much faster.
41:58
So you have to enjoy the present.
42:03
Yeah, I love that. I think that's the first time
42:04
I've gotten an answer like that.
42:07
When I ask people like what they've
42:07
learned and something that they,
42:09
I, that they wish that they knew
42:09
when they first started out and
42:12
that, be present in the moment. That is, that's powerful.
42:15
I really appreciate that. All right, Walli.
42:18
Next question. Do you have any tips or tricks that
42:19
you would recommend to someone that
42:23
is just getting started out today?
42:26
All right. Start with $10, start with $25.
42:30
Don't think that you need to
42:30
start the investment journey.
42:33
And we haven't even talked about
42:33
what specific type of investments,
42:36
like this could be real estate. This could be business.
42:39
This could be entrepreneurship. This could be stock investments, right?
42:43
But today, more than
42:43
ever, It's so much easier.
42:47
The barrier to entry is so much lower.
42:49
And sometimes we feel like I
42:49
don't have X amount of dollars.
42:53
We'll start with what you have.
42:55
Really get intentional about, again,
42:55
just like you separate money for food and
43:02
transportation and going out and concerts
43:02
and sporting events, have a line item.
43:07
That's your opportunity fund. That's your investment
43:10
fund for building wealth.
43:13
Absolutely love that. Absolutely love that.
43:16
All right, Walli. All great recommendations and, I really
43:17
appreciate the fact that we didn't get
43:21
to go into some of that stuff, but I
43:21
appreciate that you brought that up
43:24
because that is super important to know
43:24
that you don't need to start off just
43:28
dumping all your money into investments. It could be little things, just
43:29
little, just get started, right?
43:32
Just. What you're comfortable with, right?
43:35
And it helps you get into that mindset of
43:35
starting to save and invest and let your
43:41
money earn more money for you, right?
43:43
You're employing those dollars
43:43
to make more dollars for you.
43:46
So I think that's super important
43:46
and I really appreciate that.
43:49
Okay. Final question of the final round, and
43:50
this is just an opinion thing but do you
43:54
have a favorite business investing or real
43:54
estate related book or podcast or both?
44:00
Okay, so one of the first
44:00
podcasts that I listened to that really
44:05
gave me my PhD in like in Walli's
44:05
finances was a podcast called Afford
44:12
Anything by a woman named Paula Pan.
44:15
The podcast is still going strong today.
44:18
It's a fantastic podcast. I love it. I still listen to it.
44:21
But the book that changed my life
44:21
and really helped me to understand.
44:26
And we talked about this before I
44:26
have real estate, I'm a business owner
44:30
and I'm a stock investor, and I love.
44:32
All three of them for different
44:32
reasons, and they all have
44:35
challenges for different reasons. But I have to say, I prefer
44:38
stock investing, not trading.
44:42
I'm not talking about day trading. I'm talking about long term investing.
44:46
And the book that really helped make
44:46
this simple for me was called the
44:49
book The Simple Path to Wealth by J.
44:52
L. Collins. It's a short read.
44:56
It's one of the books that I've given out.
44:58
The most, I just, the first year
44:58
that I read this, everybody got one
45:03
for Christmas and their birthdays. Cause it was just a book
45:04
that transformed my life.
45:07
But the simple path to wealth by J.
45:09
L. Collins is a fantastic book.
45:12
All right. Fantastic recommendations.
45:14
Thank you so much for that. Actually, that's the second time
45:15
somebody's recommended afford anything.
45:19
So that's, I definitely need
45:19
to add that to my podcast.
45:21
Listen to list. And then also the books, the
45:22
simple the simple path to wealth.
45:25
I've heard that recommended before too. That's actually already on my
45:27
list, but I think I'm going to
45:29
bump it up now, especially after
45:29
the way you just described it.
45:31
Definitely appreciate those recommendations. Now that is it for the final
45:33
round, Walli, but I do have
45:37
another question I want to ask you. And this is probably going to be the most
45:39
important question I ask you throughout
45:41
this entire interview because people were
45:41
listening and they said, man, she gets it.
45:46
She gets me. I need to get better with
45:47
my relationship with money.
45:49
I want to know more. So where can people find
45:51
more information about you?
45:53
Do you have a website you could share
45:53
with us, social media, anything like that?
45:57
And of course, where can people
45:57
find your coaching services?
46:01
Yeah, so you can go
46:01
to my website, all of my socials, a
46:04
little bit about me, a little bit about
46:04
what I offer, everything is there,
46:07
which is financiallythriving.com, and
46:07
I'm most active on Instagram, so I'm
46:13
financially underscore thriving there,
46:13
and I share tips, videos, things like
46:17
that on Instagram, but financially
46:17
thriving on almost any platform.
46:23
All right. Absolutely. Love that. Walli. Thank you so much.
46:26
I'll make sure that those notes are in
46:26
the, those links are in the show notes.
46:29
So it's easy for people to just
46:29
copy and paste or click away that
46:33
way, they could find you right away. They'll, the only thing I ask
46:35
is that if you're driving right
46:37
now, please don't do that. Wait till you're in a safe place.
46:40
Stay safe people. Absolutely.
46:43
Walli, I want to thank you again
46:43
so much for taking your time today
46:47
to join me on the podcast, Have
46:47
a great conversation and share.
46:51
Your wisdom with our listeners. It was absolutely amazing.
46:54
And I had a great time. So thank you so much.
46:56
Thank you for having me. I really appreciated it.
46:59
Absolutely. And hey, I also wanna thank all
47:00
of my listeners for joining me and
47:02
our special guest, Walli Miller, on
47:02
the Average Joe Finances Podcast.
47:07
Go leave us a five star review and tell
47:07
us what you liked about today's episode
47:10
with Walli Aloha from Hawaii and from New
47:10
York, and have a great rest of your day.
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