From Struggles to Success: A Conversation with Rachel King

In this episode of Saddle Up Live, the Lesa Koski welcomes Rachel King, a high-powered attorney and CBS legal correspondent, to discuss her journey to financial independence. Rachel shares her authentic story of growing up in a middle-class, divorced family, experiencing financial struggles, and her drive to avoid repeating those hardships. She discusses her career path, explaining her love for solving problems and giving advice, which led her to become an attorney. Rachel also talks about her entrepreneurial ventures, including running a law firm and investing in real estate, and emphasizes the importance of financial independence for personal freedom. The episode is a discussion on following one's passion, the value of hard work, and the importance of planning for long-term success, offering inspiration and practical advice for listeners.

00:00 Introduction and Guest Welcome

01:13 Rachel King's Background and Early Struggles

03:03 Journey to Financial Independence

04:42 Embracing Individuality and Overcoming Challenges

07:45 Building a Successful Career and Business

14:37 Advice on Financial Independence and Personal Growth

30:59 Conclusion and Final Thoughts

Rachel King

Board Certified Legal Specialist

Attorney at Law - King Law Firm Attorneys at Law, Inc.

Office: (951) 834-7715

Fax: (951) 319-7129

www.thelawyerking.com

https://linktr.ee/LesaKoski

Welcome listeners to Saddle Up Live.

2

I'm really excited to have Rachel

King, an attorney that was, I got

3

to know on doing divorce different.

4

And I was really inspired to share her

with my Saddle Up Live audience because

5

I was so drawn to Rachel's, uh, When

she gave her authentic story and she's

6

going to introduce herself and go into

that, but she, she was so strong and

7

independent and she seemed to feel so

comfortable with power and finances and.

8

Quite frankly, I'm not, and I

want a little bit more of that.

9

And so I thought, well, I'm going

to learn about it with all my

10

listeners here on Saddle Up Live.

11

So I'm really excited.

12

She's going to talk about that a

little bit, her authentic story and

13

about being financially independent.

14

So listeners welcome Rachel King.

15

So excited to have her.

16

She's a big deal.

17

She's got her own podcast.

18

She's a high powered attorney

in California and Other states.

19

She's a CBS legal correspondent, and

I'm just so grateful to have you here.

20

Thank you for being here, Rachel.

21

Thank you so much.

22

I'm so excited to talk about this.

23

I know it's going to be so fun.

24

Well, why don't you start by sharing

your story with how you got started?

25

So I grew up in a middle class family

and though we, you know, all my

26

parents were employed and I say all

because I came from a divorced family.

27

So I had four parents, uh, both of my.

28

Parents got remarried when I was very

young and are still with my step parents.

29

So I was really raised in two families,

middle class, but we still have the

30

electricity turned off because my

dad could not manage money at all.

31

We had some pretty I don't even know

if they were significant, but they

32

really resonated me, with me as a child.

33

And growing up, all I wanted was

like, to never have that happen.

34

I'm never gonna not

have my electricity on.

35

I'm never going to be worried about

how I'm going to just survive.

36

So I was drawn from a young age to these

careers of power and financial security.

37

And, you know, when I was growing up,

maybe it's still a thing, but doctors and

38

lawyers, that was where it was all at.

39

And then we had the big legal shows.

40

The lawyers always seemed so happy.

41

They demanded so much control and

they were makin Buckets of money.

42

Now, this was all on TV.

43

So I'm not sure how real it is even today.

44

However, that was how I ended

up becoming an attorney and kind

45

of why I wanted to go there.

46

I'm also a natural problem solver.

47

So this idea that people come to you in

one of the most difficult times in their

48

life and I get to solve their problem.

49

They're looking to me.

50

I love giving advice and I'm

getting paid to give advice.

51

All of it.

52

Everything about being an attorney

was like right up my alley.

53

So I did that, but, uh, I

didn't go the normal course.

54

I didn't go to college right away.

55

I tried it and it wasn't for me.

56

So I joined the army.

57

I had a baby very young and I

did not come from a family where.

58

You know, children out of wedlock were

like an appropriate course of action.

59

But I, like everything else

in my life, did it my way.

60

And so I had a baby at 21.

61

And I remember thinking I was sort

of going, still not totally on the

62

right track, but getting there.

63

Um, she was in daycare and the daycare

lady said, you're out of diapers.

64

You need to bring in more diapers.

65

And I couldn't afford diapers.

66

I just had no money.

67

And I had for like three days, I

had to say, Oh my gosh, I forgot.

68

Oh my gosh, I forgot.

69

But I didn't forget.

70

I just had no money to go in and

buy more diapers until I got paid.

71

And it was truly at that moment that I was

like, I am not going to live this life.

72

I am not going to not be able

to afford diapers for my child

73

and make all of these excuses.

74

And so that's when I really got my life

together and the got on the track of this.

75

Fantasy life dream that

I created in my head.

76

I need to get on that road

because time's just ticking.

77

And so I did I Finished my time in

the army finished my bachelor's degree

78

got my law degree and I Hustled and

I opened my firm and I continue to

79

learn how to Be better, make more

money and diversify and all of those

80

things I actually really enjoy.

81

And I'm a millennial, so I have side

hustles, you know, the whole time.

82

I'm not, I'm a grandma and I still

love that whole side hustle thing.

83

So you're a girl after my heart.

84

And I think what I really love about

you too, Rachel, is I love that you

85

had the confidence against the norm

because I didn't for a long time and

86

I think that's why I didn't start this

podcast, didn't really delve into what I

87

wanted to do until I was in my fifties.

88

You know, I was always

trying to fit that mold.

89

So I love that you did.

90

I love that you did.

91

And it's never too late.

92

Obviously, it's never too late.

93

Look at I get to do this never too late.

94

But another thing that I find interesting,

I don't know why Tony Robbins is popping

95

in my head as you're telling your story.

96

I don't know if you know him, but I know

him, but I've not done any of his work.

97

No.

98

And I, I, I've just listened to some

podcasts, read some books of his, but

99

he also talks about his childhood.

100

And I think sometimes, and you

said you're a middle class family,

101

but you had some hard times.

102

I almost think sometimes, I wasn't raised

in a rich family, but we had never were,

103

I had everything I needed all the time.

104

I almost think a lot of people who

are super successful have to fight

105

against something like, like fight

against what you fought against

106

and have that drive in them.

107

Otherwise it's a little harder to get that

drive because you've been so comfortable.

108

I don't know.

109

That just popped into my head.

110

I've heard that before.

111

Have you?

112

You know that hard times

make strong, strong men.

113

Yes.

114

That's, that's the saying.

115

I think, you know, I, I

will credit my parents.

116

They did a, they did a good job.

117

I think a lot of it was, um, me.

118

I, even from a young age, wasn't totally

rebellious, but I never really fit in.

119

I always kind of wanted

to do my own thing.

120

And then as a teenager, My mom, you

know, of all of her kids, I guess I

121

was the most rebellious and I look at

her now and I'm like, are you kidding?

122

I stayed out of drugs.

123

I never got arrested.

124

I don't know if you could, that's

like ideal as a teenager, right?

125

I've raised, I'm raising teenagers, but

even though Now looking back, I was,

126

I think I was a reasonable teenager.

127

I still was rebellious, right?

128

I did what I wanted.

129

I didn't like following the

rules and I never really have.

130

That's why I didn't work

very well in the army.

131

I didn't, I want to do things my way

and I'm, and I really, and society

132

doesn't really like that, right?

133

But I really leaned into it

when I realized that that was an

134

uncomfortable place to be in society

where you don't really fit in and

135

you're going to do it your way.

136

You either need to embrace it and really.

137

Really lean into it or you need to back

off and you know, Maybe conform a little

138

bit more and I leaned into it and I

still do when I opened my law firm I

139

remember I went to this networking event

where there was a whole bunch of lawyers

140

And I wore a really cute outfit, but

I think it was legging Well, I don't

141

think I know it was black leggings with

knee high boots and a really pretty

142

sweater And I was totally put together.

143

I looked very coordinated and uh, it was

an evening event, but it was not It Like

144

not formal and I had an attorney come up

to me and I introduced myself and he said,

145

um, Well, you're not really an attorney

and I said, no, I really am an attorney

146

and I gave him my card And I said i'm

just starting my own firm and he looked

147

me up and down He said well, you're never

gonna make it if you dress like that

148

and I had many attorneys male and female

make those kind of comments to me and I

149

remember looking at him and Kind of in my

head being like oh, yeah, watch me watch

150

me in this neighborhood this town that I

live in You Run my law firm and practice

151

how I want to and rock it and I do I do

and I yeah Continue to do it and I don't

152

know where that Personality trait came

from I tell people I'm it just brings out

153

my rebellious side and then and then look

out Yeah, and I you know, it's interesting

154

because I want to grab on to that I really

really do and like I said later in life.

155

I've started doing that more I mean, I

I wear flannel shirts and baseball caps

156

on some of my calls You It's fantastic.

157

I mean, I'm doing this out of my barn.

158

I might be out with the horse.

159

I was out gardening today.

160

I told you that.

161

It is, it is fantastic.

162

And I love that, but you know, and

I also, I told you that I loved that

163

you were so comfortable saying, I

don't want to make a lot of money.

164

Well, so do I, but I feel like a.

165

I say that out loud and how do you,

and it's because I'm a people pleaser.

166

Like, I just want everyone to love me

and I want to pretend I'm really perfect

167

and good, which of course we all know how

stupid that is and not real and authentic.

168

But, um, so how do you, and you just say,

you don't know really where that comes

169

from because with ladies, it's okay.

170

It's okay to want more.

171

It's okay to be 50 and be like,

Oh, I want to have a career.

172

I want to do something that I love.

173

It's okay.

174

It's okay to say This is what I do.

175

It's okay to say I don't want to do

domestic chores So I'm going to, I'm

176

going to pay somebody to do them and

I'm going to figure out how to pay it.

177

And that is truly what I tell myself.

178

I mean, I have these pep talks.

179

I still have times I, again, I, I'm,

I think I told you i'm controlling.

180

I'm a type a personality.

181

I'm an attorney.

182

I'm all of those things I

like to do things my way.

183

So owning a company was kind of my Uh

ticket there when I was 12 I wanted

184

things and I couldn't get them my parents

wouldn't pay for the clothes that I wanted

185

and When I went to the mall, I I didn't

get to ask my parents for 20 bucks to go

186

to the mall I had to I have my own money.

187

So at 12 years old, I thought I'm going

to start babysitting so that I can be in

188

control of my money and do what I want.

189

And then I got too many

babysitting, uh, clients.

190

So I kind of did the at home

version of the babysitter's club.

191

When I was 16, I opened a, I started

teaching swimming lessons and

192

the same kind of thing happened.

193

I got too many swimming lessons.

194

So I started recruiting my friends

and made money out of them.

195

And I learned early, I call it

the Tom Sawyer effect, right?

196

I learned really early that I could

make a lot more money If I have other

197

people doing the work for me, and i'm

just back here controlling it, right?

198

He whitewashed that whole fence by

telling other people that it was the fun

199

thing to do And that's how I live now.

200

I still have imposter syndrome and

I still sometimes think oh my gosh

201

Like i'll walk into my office and

say Where, how do I mail this thing?

202

And my, and I always feel bad

being like, I don't know how

203

to use the postage machine.

204

I'm sure I could figure it

out, I'm a pretty smart person.

205

But, I don't know how to do that.

206

And sometimes I feel really

guilty, like I've disconnected.

207

But I created a dream in my head

That I really wanted and I have

208

worked tirelessly to get there.

209

And I think it's absolutely possible

to create the dream in your head,

210

but you're not going to get there

if you're not willing to do the hard

211

work and take a little bit of risk

and really put yourself out there.

212

Like you were saying, like be

vulnerable because the dreams Are

213

kind of fantasy and it doesn't just

happen by doing the status quo If you

214

follow what everybody else is doing,

you're never going to reach your dream.

215

You're just going to be following the

pack Um, so I do that But it's still

216

hard and I look around sometimes I was

talking my kids, you know go to school

217

and They talk about where we live, and

uh, my daughter, I think just yesterday,

218

she came home and she said I told

somebody that I was rich, and she's 11,

219

and I said well, you're not rich, and

she was like, well yeah, I mean look

220

at where we live, and I said okay, so,

Maybe I'm rich, but like you're nothing.

221

You can't afford to even put food in

your mouth or buy yourself a drink.

222

You can't afford the tap water

that comes out of the faucet.

223

I can.

224

And she was like, Oh yeah.

225

And I think about that sometimes.

226

And it makes me laugh, but it also

makes me so proud because everything

227

that I have, I've done on my own.

228

And again, I own a law firm.

229

I own a real estate investment company.

230

I wanted to invest in real estate

because I thought that's what

231

all the famous people and the

big rich people are doing, right?

232

So on a trip to the Bahamas one

time, my husband got a, a trip

233

that was paid for from a, he like

won the trip on for, for sales.

234

And so we were going, I thought, Hey,

I think I was late 20s and I thought,

235

I am going to invest in real estate.

236

I'm going to do this.

237

And so I bought investing for real estate

for dummies on the airplane and I read it

238

the entire That was my reading material.

239

And I got back and I said,

I'm going to do it this year.

240

I'm going to buy an extra hat.

241

Like we had, we owned a house.

242

I said, I'm going to buy a house.

243

And he said, really?

244

And I said, yeah, just watch, just watch.

245

And so I did.

246

So I bought one house and now I

own 13 and they're all residential.

247

I have residential and commercial pieces

of real estate and I still get giddy

248

and excited when I go to my accountants

and I, you know, do my net worth sheets.

249

I'm like, how did this happen?

250

Like this girl that had a baby.

251

In 21, when nobody thought she

should, single, couldn't afford

252

diapers for her child, and now I'm

just like, anything, here it is.

253

But you know what?

254

I'm still afraid I'm going to lose it

all, so I still work so hard to make

255

sure that it continues to generate.

256

It's one of those funny things.

257

Right.

258

And it's funny because

I'm kind of at a stage.

259

Where I, here's my tagline, work less

grandma more, but I'm, I'm following

260

what you're saying, um, with my divorce

business where I've trained people.

261

And now I'm just kind of

running that business.

262

I'm not going to get

into the nuts and bolts.

263

I'm going to be there to support.

264

Um, and I'm doing this podcast

that I love, um, cause it's fun and

265

it's things that I'm interested in.

266

Um, but I still, I mean, I still

want to add income to my home.

267

You know what I mean?

268

And I think Rachel, what I've learned.

269

Like it's uncomfortable, but it doesn't

have to be that hard because if it's

270

what you love, yes, I put time in, but

I put time in to, you know, listening to

271

your podcast cause you're going to be a

guest on reading books about health and

272

getting those authors on the podcast.

273

Um, Getting out of my uncomfortable

zone by doing things I wouldn't

274

do normally, which is getting on a

podcast or speaking to a group or

275

sharing real authentic stories that

you kind of don't want to always tell.

276

That's another thing that

I'm just learning how to do.

277

So I just, I'm on the same wavelength

as you, but I'm at a stage where.

278

I want to have more.

279

I don't think it has to be so hard

and I feel like you're kind of right.

280

Yes.

281

Yeah, that's exactly been my trajectory

for my whole life is how can I make

282

more money and do less I think I tell

people I'm like the laziest person

283

that I know and they look at me and

they're like, oh my god No, you're

284

not you're always out doing things.

285

You own multiple companies.

286

You're you know, you're doing this

and this I'm like, right Because

287

it's always because I just don't

want to do anything and so i'm always

288

trying to learn how I can Make more

money and satisfy my income needs by

289

doing less Because that's beautiful.

290

Isn't that what we all want?

291

We all want to make more money and be in

and have the maximum amount of freedom.

292

And I think it's possible,

but I think it's hard.

293

I had somebody once tell me.

294

If you, kind of what you said, if

you do what you love, it's not work.

295

And I definitely disagree with that.

296

I think that's where a

lot of people go wrong.

297

It's a lot of work no matter what, because

you don't get to just do the fun part.

298

You have to do all of the, the

editing and the, yeah, yeah, yeah.

299

You have to put in the

time to get to a point.

300

You know, I'm, my firm is.

301

It's a very well oiled machine, much

like your divorce business, I'm sure.

302

And I get to, you know, run it

and it sort of self generates

303

the income and I have to work.

304

Of course, I don't stop working

it, but I can, I have the freedom

305

and the time to go do other things.

306

But it wasn't like that for the

first like six years, right?

307

It took so much of my,

I had to do everything.

308

And so I think people need to.

309

Acknowledge that if you want it, you've

got to really keep your eye on the prize

310

and put in the time And do the hard

work and if you have a hard time with

311

deadlines I live and die by my calendar

because again, I think i'm a pretty

312

lazy person and if it's not written

down I'm, probably not gonna do it.

313

So I minutes, even down, you know, to,

I'm going to go do everything I want,

314

but it's going to fit in, in my schedule.

315

And I think it's possible, but I'm a

big believer in financial independence.

316

I think if every person on earth strives

to become financially independent,

317

they will have more freedom and

they will enjoy their life more.

318

So that's kind of my

life mission for myself.

319

And then also for, for my family.

320

Other people that I interact with is how

can I help them get to a place in their

321

life where they can Pretty much buy their

freedom Okay, so I love that and I think

322

that's got to be your next book Okay, so

you tell me in in my situation what advice

323

What, um, and I'm putting you on the spot

and I don't mean you're my friend sitting

324

here talking to me, but what would,

how could I be financially independent?

325

I mean, well, I think more so, right?

326

I think it comes down to.

327

So, what do you love?

328

I think you have to love whatever

it is you're going to turn

329

into financial independence.

330

And the biggest, actually, because

I've had this conversation, the

331

biggest response I get from people is,

well, I don't want to do, you know,

332

I love doing, making costumes, but I

don't want to do it because I don't

333

want to turn my hobby into a job.

334

And then it takes the fun out of it.

335

Well, if you're good

at it and you love it.

336

It's okay to turn it into a job

and do the other parts, but for

337

financial independence first, I

think you need to figure out what it

338

is that you want to be involved in.

339

I don't want to be in finance.

340

Nothing about that sounds fun.

341

I don't like numbers, so I'm not

going to look into anything where

342

I can, where I have to have that be

my reliance, but what I am going to

343

do is say, Oh, I love real estate.

344

I really love real estate.

345

So how can I turn my, what I really love

and that I think is fun and enjoyable

346

and I can talk about for hours into a

stream of income and then researching

347

it, just like you were saying, go out and

read the books, listen to the podcasts,

348

figure out how the different ways that

people have made money on this, which

349

one kind of lights a fire under you.

350

And then put together a plan, but a

baby step plan, and I'm a, I mean,

351

I think the dummies books are great.

352

I just really think they have them

on everything, and they really

353

keep it very, very small so that

just about anybody can do it.

354

Um, and I know that doesn't really

answer your question because I've kept

355

it very broad, but if you can leverage

what you love so that other people are

356

paying you for it, And then once you've

started getting paid for it, you can

357

teach other people how to do it, or you

can start making money on other people.

358

Then you have just created, not just

income, but sustainable long term income.

359

I bought my first house and I put a

tenant in it and I got a mortgage on it.

360

Every single, I think almost every

single one of my, you know, three

361

of my properties are paid off.

362

All of the rest of them.

363

I have mortgages on and my tenants

pay my mortgage down so that

364

I get to realize my long term

equity bills and they pay it down.

365

But it doesn't have to be like that.

366

If real estate's not your thing,

ultimately what you want to do

367

is make money on other people.

368

And you don't start there.

369

You start there by having people

making money for what you are doing

370

that other people are paying for.

371

And then you can leverage

it and slowly grow.

372

Um, I rely incredibly heavily

on other people's expertise.

373

I'm one person.

374

I can't know everything.

375

I can know a little bit about a

lot and I can read some books,

376

but if I want to publish a book.

377

I'm not going to learn how

to publish a book myself.

378

I'm going to go and meet the

people that can tell me how

379

I'm going to publish a book.

380

I have one coming out, coming up, right?

381

If I want to invest in real estate,

I'm going to go hang out with all the

382

people that have already done that.

383

If I want to have a YouTube channel that

supports all of my income and I only

384

get to be a content creator, I'm going

to go find those people and pick their

385

brain and socialize with them and do

the things that I can until I get there.

386

And I think that's the best way.

387

Cheap on the cheap to get yourself

to a certain point is to go hang out

388

with the people that you want to be

like Amen, amen Okay, so two things

389

I want to kind of Follow up on.

390

I love that you said baby steps and

I so highly recommend, I think my

391

whole life I was in such a rush and

that's how it can be more enjoyable.

392

I don't get freaked out anymore.

393

Like you said, I go meet with someone

to talk about what I want to do.

394

And then there's one other thing I was

thinking of, um, that has added to me.

395

I think making something more successful.

396

And I think when I add a piece in about

helping others, and I'm going to explain

397

that because, um, my oldest daughter

is in her residency in pediatrics.

398

Yeah.

399

Oh, thanks.

400

So she's in, um, I actually, I'm most

proud of the grandson she created.

401

No, I'm so proud.

402

But, and it's like, A war zone.

403

I mean, this girl, she's in

her last year of her residency.

404

She's, she calls me in the morning,

she's working nights in the PICU and

405

she's seen horrible things, you know, a

14 year old brain dead that she had to

406

do the tests on is donating the organs.

407

The mom is a doctor where she

worked, you know, it's just like,

408

there's so, so many traumatic things.

409

And she works in oncology, which she tends

to think is a little bit more optimistic

410

because so many children do well.

411

Through cancers, but I, I

was thinking I've had that.

412

So we had a cabin and we sold

it cause we bought this farm.

413

And I'm like, yeah, I kind of want

that cabin back or something like it.

414

Cause I love the lake life.

415

And I think about my life as a

child with my grandparents, being a

416

grandparent is really important to me.

417

And a wife.

418

To my husband, I feel like I kind of let

him go a little bit with, sorry, Johnny.

419

But, um, so when I think about getting

a cabin, I kind of, um, globbed

420

it together with this dream of.

421

Well, I kind of, you know, the 4th of

July, I usually stay home and try to

422

keep my horses calm from the fireworks.

423

What if I could have this beautiful

home on a lake and donate it to a

424

family going through childhood cancer

for the week of the 4th of July?

425

So when I add that to my dream, Ooh,

it kind of makes my heart feel good.

426

Maybe gives me a little bit

more purpose to get there.

427

And then I started thinking about, well,

I could rent out that cabin, right?

428

And so then I started thinking about,

well, it might not be on the Lake

429

that I want to end up on, but maybe

on a real popular Lake, you know,

430

that's more of a draw to people from

Chicago or, you know, whatever, and

431

starting out there and then moving.

432

And so, That's what entered

my mind when you were talking.

433

So you did help me, even though you

said you were being really general.

434

I just want to show you that when you

said that, all this came to my mind.

435

And all of it is possible.

436

And I think we need to,

especially as women, we need

437

to be okay with making money.

438

I mean, it doesn't have to, it's

okay to say, I'm going to do this.

439

Because it's going to earn me an income.

440

Don't feel bad.

441

I mean Everything that I do I look at

and see if it's going to be a financial

442

benefit or if it's not And if it's not

going to be a financial benefit, then

443

I look at it and I really weigh Is this

something that I want to contribute

444

my time to do I care about this?

445

Is it going to be benefiting me in

some way and maybe people would say

446

well, that's really selfish but even

You know If I give it and it makes

447

me gives me that warm fuzzy like

what am I getting back from this?

448

And if I can't answer those questions

Then it's oh i've given myself permission

449

to say so i'm not going to do that.

450

I'm not going to go out on a limb

for something that isn't going to

451

get me ultimately to where I I want

to be and i'm not going to feel

452

guilty About doing it that way either

Because I feel like sometimes as

453

especially as women we have mom guilt.

454

We have wife guilt.

455

We have societal Pressures that we're

feeling and sometimes i'm like i'm just

456

not gonna do that Um, one thing I wanted

to add in just because I think it was

457

important and I missed it as well I think

baby steps are really important and I

458

only take baby steps if I get really

overwhelmed because I do I will sit

459

back and i'll just say okay just Just

come up with the next thing that you're

460

going to do just one thing but You can't

not have an end game either because

461

otherwise your baby steps never come to

be so for example I am writing this book.

462

This is a big thing and I And I

knew it was an easy thing to put off

463

at the end of the day is writing.

464

Um, and I said, I'm just going

465

And I picked that day before

I even started writing.

466

Um, and then I just kind of backwards

planned it and thought, okay, I

467

need to hire an editor by this time.

468

I need to get through it.

469

And I can do 20 minutes, you know,

twice a week is kind of what I can do.

470

And it works, but you have to have some

way that the baby steps to, to make sure

471

that you complete the baby steps and that

you're always moving forward toward it.

472

Otherwise, you know, 10 years will

pass and you'll still be sitting

473

in the same place you were before.

474

Rachel, I call that my future self work.

475

And it's, it's a big deal.

476

Like I sit and dream about my future

self in 10 years and then I do

477

the roadmap about how I'm getting.

478

I have podcasts on that.

479

I totally, totally agree with that.

480

And you know, I want to say too,

um, when you were talking about,

481

you You know, go with your passion.

482

You don't need to feel guilty about it.

483

I don't know if this is going

to help anyone, but I'm a super

484

strong Christian and I, and I did

deal with a lot of guilt, right?

485

With that, I like, Oh, and then I

finally just went, you know what?

486

I just go, you know, God, please let my

passions match yours and then give it to

487

him and he created you, he created you to

do these most amazing things and so do it.

488

And don't, you don't, You know,

that's what you're here for.

489

So I've kind of let that go just

recently, you know, a little bit.

490

Yes.

491

Yes.

492

It's so hard.

493

I still, I'm not kidding.

494

My mom took care of the house.

495

My step mom took care of the house.

496

My siblings, almost all of them,

like naturally inside of them,

497

find some kind of peace and joy

by cleaning and doing laundry.

498

And I'm not that person.

499

Like, I can't stand doing laundry.

500

I will step over, I will take

off my clothes and leave them on

501

a pile and turn over the pile.

502

I mean, if there is ever an

excuse to not clean, I will.

503

I cook just so that I have an excuse.

504

I mean, I like to cook, but just

so I have an excuse to be like, I

505

cooked, I don't have to do the dishes.

506

That is 100 percent me and I

still feel guilty about it.

507

Like, oh, but I'm supposed to do this.

508

I'm the mom I'm supposed to and so I

still to this day battle with the fact

509

that no I'm gonna pay a house cleaner

and that's gonna be the last thing

510

that goes if I have to cut back is

this because I hate it, but I think One

511

of the things we all need to do is be

really patient and give ourselves grace

512

and it's okay if we don't act or want

to do the things that we previously,

513

you know, were expected to do or these

false expectations we have of ourselves.

514

Figure out what you're good

at Lean into that dream.

515

Don't be afraid to dream, but

don't think that your dreams are

516

going to happen automatically.

517

Put your steps in and everything,

whatever you can do, if it's annually,

518

weekly, whatever, you just do one

thing to get to the next step.

519

And you always have that next step planned

and knowing when you're going to do it.

520

I think we're all bound to be

the best versions of ourselves.

521

That we can be, and I think

financial independence will be

522

inevitable if you do it that way.

523

Amen.

524

And what a great, that's a

great sound bite to end on.

525

We went way over time.

526

So Rachel, it has been so awesome to get

to know you from the bottom of my heart.

527

Thank you.

528

Thank you for being here.

529

Thank you so much for having me.

530

It was a joy.

531

All right.

532

Take good care.

533

Thank you.

534

You too.