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From Struggle to Success
Episode 218th October 2024 • Saddle Up Live Podcast • Lesa Koski
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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

Transcripts

Speaker:

Welcome listeners to Saddle Up Live.

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I'm really excited to have Rachel

King, an attorney that was, I got

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to know on doing divorce different.

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And I was really inspired to share her

with my Saddle Up Live audience because

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

she gave her authentic story and she's

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going to introduce herself and go into

that, but she, she was so strong and

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independent and she seemed to feel so

comfortable with power and finances and.

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Quite frankly, I'm not, and I

want a little bit more of that.

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And so I thought, well, I'm going

to learn about it with all my

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listeners here on Saddle Up Live.

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So I'm really excited.

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She's going to talk about that a

little bit, her authentic story and

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about being financially independent.

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So listeners welcome Rachel King.

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So excited to have her.

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She's a big deal.

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She's got her own podcast.

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She's a high powered attorney

in California and Other states.

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She's a CBS legal correspondent, and

I'm just so grateful to have you here.

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Thank you for being here, Rachel.

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Thank you so much.

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I'm so excited to talk about this.

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I know it's going to be so fun.

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Well, why don't you start by sharing

your story with how you got started?

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So I grew up in a middle class family

and though we, you know, all my

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parents were employed and I say all

because I came from a divorced family.

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

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Parents got remarried when I was very

young and are still with my step parents.

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So I was really raised in two families,

middle class, but we still have the

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electricity turned off because my

dad could not manage money at all.

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We had some pretty I don't even know

if they were significant, but they

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really resonated me, with me as a child.

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And growing up, all I wanted was

like, to never have that happen.

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I'm never gonna not

have my electricity on.

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I'm never going to be worried about

how I'm going to just survive.

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So I was drawn from a young age to these

careers of power and financial security.

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And, you know, when I was growing up,

maybe it's still a thing, but doctors and

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lawyers, that was where it was all at.

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And then we had the big legal shows.

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The lawyers always seemed so happy.

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They demanded so much control and

they were makin Buckets of money.

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Now, this was all on TV.

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

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However, that was how I ended

up becoming an attorney and kind

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of why I wanted to go there.

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I'm also a natural problem solver.

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So this idea that people come to you in

one of the most difficult times in their

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life and I get to solve their problem.

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They're looking to me.

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I love giving advice and I'm

getting paid to give advice.

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All of it.

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Everything about being an attorney

was like right up my alley.

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So I did that, but, uh, I

didn't go the normal course.

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I didn't go to college right away.

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I tried it and it wasn't for me.

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So I joined the army.

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I had a baby very young and I

did not come from a family where.

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You know, children out of wedlock were

like an appropriate course of action.

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But I, like everything else

in my life, did it my way.

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And so I had a baby at 21.

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And I remember thinking I was sort

of going, still not totally on the

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right track, but getting there.

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Um, she was in daycare and the daycare

lady said, you're out of diapers.

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You need to bring in more diapers.

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And I couldn't afford diapers.

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I just had no money.

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And I had for like three days, I

had to say, Oh my gosh, I forgot.

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Oh my gosh, I forgot.

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But I didn't forget.

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I just had no money to go in and

buy more diapers until I got paid.

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And it was truly at that moment that I was

like, I am not going to live this life.

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I am not going to not be able

to afford diapers for my child

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and make all of these excuses.

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And so that's when I really got my life

together and the got on the track of this.

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Fantasy life dream that

I created in my head.

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I need to get on that road

because time's just ticking.

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And so I did I Finished my time in

the army finished my bachelor's degree

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got my law degree and I Hustled and

I opened my firm and I continue to

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learn how to Be better, make more

money and diversify and all of those

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things I actually really enjoy.

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And I'm a millennial, so I have side

hustles, you know, the whole time.

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

love that whole side hustle thing.

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So you're a girl after my heart.

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And I think what I really love about

you too, Rachel, is I love that you

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had the confidence against the norm

because I didn't for a long time and

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

podcast, didn't really delve into what I

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wanted to do until I was in my fifties.

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You know, I was always

trying to fit that mold.

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So I love that you did.

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I love that you did.

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And it's never too late.

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Obviously, it's never too late.

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Look at I get to do this never too late.

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But another thing that I find interesting,

I don't know why Tony Robbins is popping

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in my head as you're telling your story.

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

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

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No.

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

podcasts, read some books of his, but

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he also talks about his childhood.

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And I think sometimes, and you

said you're a middle class family,

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but you had some hard times.

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I almost think sometimes, I wasn't raised

in a rich family, but we had never were,

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I had everything I needed all the time.

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I almost think a lot of people who

are super successful have to fight

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against something like, like fight

against what you fought against

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and have that drive in them.

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Otherwise it's a little harder to get that

drive because you've been so comfortable.

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I don't know.

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That just popped into my head.

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I've heard that before.

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Have you?

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You know that hard times

make strong, strong men.

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Yes.

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That's, that's the saying.

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I think, you know, I, I

will credit my parents.

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They did a, they did a good job.

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

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

rebellious, but I never really fit in.

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I always kind of wanted

to do my own thing.

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And then as a teenager, My mom, you

know, of all of her kids, I guess I

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was the most rebellious and I look at

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

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I stayed out of drugs.

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I never got arrested.

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

like ideal as a teenager, right?

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

even though Now looking back, I was,

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I think I was a reasonable teenager.

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I still was rebellious, right?

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I did what I wanted.

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I didn't like following the

rules and I never really have.

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That's why I didn't work

very well in the army.

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

and I'm, and I really, and society

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doesn't really like that, right?

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But I really leaned into it

when I realized that that was an

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uncomfortable place to be in society

where you don't really fit in and

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you're going to do it your way.

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You either need to embrace it and really.

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Really lean into it or you need to back

off and you know, Maybe conform a little

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bit more and I leaned into it and I

still do when I opened my law firm I

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remember I went to this networking event

where there was a whole bunch of lawyers

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And I wore a really cute outfit, but

I think it was legging Well, I don't

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think I know it was black leggings with

knee high boots and a really pretty

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sweater And I was totally put together.

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I looked very coordinated and uh, it was

an evening event, but it was not It Like

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not formal and I had an attorney come up

to me and I introduced myself and he said,

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um, Well, you're not really an attorney

and I said, no, I really am an attorney

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

just starting my own firm and he looked

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

gonna make it if you dress like that

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and I had many attorneys male and female

make those kind of comments to me and I

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remember looking at him and Kind of in my

head being like oh, yeah, watch me watch

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me in this neighborhood this town that I

live in You Run my law firm and practice

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

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

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know where that Personality trait came

from I tell people I'm it just brings out

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my rebellious side and then and then look

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

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because I want to grab on to that I really

really do and like I said later in life.

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I've started doing that more I mean, I

I wear flannel shirts and baseball caps

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on some of my calls You It's fantastic.

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

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I might be out with the horse.

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I was out gardening today.

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I told you that.

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It is, it is fantastic.

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And I love that, but you know, and

I also, I told you that I loved that

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you were so comfortable saying, I

don't want to make a lot of money.

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

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I say that out loud and how do you,

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

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Like, I just want everyone to love me

and I want to pretend I'm really perfect

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and good, which of course we all know how

stupid that is and not real and authentic.

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

you don't know really where that comes

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from because with ladies, it's okay.

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It's okay to want more.

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It's okay to be 50 and be like,

Oh, I want to have a career.

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I want to do something that I love.

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It's okay.

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

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

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

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going to pay somebody to do them and

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

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And that is truly what I tell myself.

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I mean, I have these pep talks.

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

I think I told you i'm controlling.

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I'm a type a personality.

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I'm an attorney.

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I'm all of those things I

like to do things my way.

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So owning a company was kind of my Uh

ticket there when I was 12 I wanted

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things and I couldn't get them my parents

wouldn't pay for the clothes that I wanted

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

get to ask my parents for 20 bucks to go

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

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

to start babysitting so that I can be in

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control of my money and do what I want.

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And then I got too many

babysitting, uh, clients.

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So I kind of did the at home

version of the babysitter's club.

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When I was 16, I opened a, I started

teaching swimming lessons and

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the same kind of thing happened.

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I got too many swimming lessons.

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So I started recruiting my friends

and made money out of them.

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And I learned early, I call it

the Tom Sawyer effect, right?

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I learned really early that I could

make a lot more money If I have other

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people doing the work for me, and i'm

just back here controlling it, right?

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He whitewashed that whole fence by

telling other people that it was the fun

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

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I still have imposter syndrome and

I still sometimes think oh my gosh

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Like i'll walk into my office and

say Where, how do I mail this thing?

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And my, and I always feel bad

being like, I don't know how

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to use the postage machine.

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I'm sure I could figure it

out, I'm a pretty smart person.

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

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And sometimes I feel really

guilty, like I've disconnected.

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But I created a dream in my head

That I really wanted and I have

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worked tirelessly to get there.

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And I think it's absolutely possible

to create the dream in your head,

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but you're not going to get there

if you're not willing to do the hard

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work and take a little bit of risk

and really put yourself out there.

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Like you were saying, like be

vulnerable because the dreams Are

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kind of fantasy and it doesn't just

happen by doing the status quo If you

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follow what everybody else is doing,

you're never going to reach your dream.

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You're just going to be following the

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

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hard and I look around sometimes I was

talking my kids, you know go to school

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and They talk about where we live, and

uh, my daughter, I think just yesterday,

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she came home and she said I told

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

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

she was like, well yeah, I mean look

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

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

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You can't afford to even put food in

your mouth or buy yourself a drink.

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You can't afford the tap water

that comes out of the faucet.

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I can.

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And she was like, Oh yeah.

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And I think about that sometimes.

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And it makes me laugh, but it also

makes me so proud because everything

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

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And again, I own a law firm.

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I own a real estate investment company.

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I wanted to invest in real estate

because I thought that's what

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all the famous people and the

big rich people are doing, right?

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So on a trip to the Bahamas one

time, my husband got a, a trip

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that was paid for from a, he like

won the trip on for, for sales.

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And so we were going, I thought, Hey,

I think I was late 20s and I thought,

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I am going to invest in real estate.

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I'm going to do this.

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And so I bought investing for real estate

for dummies on the airplane and I read it

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the entire That was my reading material.

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And I got back and I said,

I'm going to do it this year.

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I'm going to buy an extra hat.

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Like we had, we owned a house.

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

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And he said, really?

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

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And so I did.

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So I bought one house and now I

own 13 and they're all residential.

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I have residential and commercial pieces

of real estate and I still get giddy

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and excited when I go to my accountants

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

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I'm like, how did this happen?

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Like this girl that had a baby.

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In 21, when nobody thought she

should, single, couldn't afford

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diapers for her child, and now I'm

just like, anything, here it is.

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But you know what?

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

all, so I still work so hard to make

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sure that it continues to generate.

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It's one of those funny things.

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Right.

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And it's funny because

I'm kind of at a stage.

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Where I, here's my tagline, work less

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

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what you're saying, um, with my divorce

business where I've trained people.

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And now I'm just kind of

running that business.

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I'm not going to get

into the nuts and bolts.

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I'm going to be there to support.

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Um, and I'm doing this podcast

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

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it's things that I'm interested in.

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Um, but I still, I mean, I still

want to add income to my home.

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You know what I mean?

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And I think Rachel, what I've learned.

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Like it's uncomfortable, but it doesn't

have to be that hard because if it's

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

I put time in to, you know, listening to

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your podcast cause you're going to be a

guest on reading books about health and

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getting those authors on the podcast.

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Um, Getting out of my uncomfortable

zone by doing things I wouldn't

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do normally, which is getting on a

podcast or speaking to a group or

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sharing real authentic stories that

you kind of don't want to always tell.

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That's another thing that

I'm just learning how to do.

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So I just, I'm on the same wavelength

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

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I want to have more.

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I don't think it has to be so hard

and I feel like you're kind of right.

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Yes.

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Yeah, that's exactly been my trajectory

for my whole life is how can I make

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more money and do less I think I tell

people I'm like the laziest person

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that I know and they look at me and

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

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not you're always out doing things.

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You own multiple companies.

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You're you know, you're doing this

and this I'm like, right Because

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it's always because I just don't

want to do anything and so i'm always

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trying to learn how I can Make more

money and satisfy my income needs by

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doing less Because that's beautiful.

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Isn't that what we all want?

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We all want to make more money and be in

and have the maximum amount of freedom.

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And I think it's possible,

but I think it's hard.

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I had somebody once tell me.

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If you, kind of what you said, if

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

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And I definitely disagree with that.

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I think that's where a

lot of people go wrong.

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

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

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You have to do all of the, the

editing and the, yeah, yeah, yeah.

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You have to put in the

time to get to a point.

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You know, I'm, my firm is.

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It's a very well oiled machine, much

like your divorce business, I'm sure.

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And I get to, you know, run it

and it sort of self generates

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the income and I have to work.

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Of course, I don't stop working

it, but I can, I have the freedom

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and the time to go do other things.

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But it wasn't like that for the

first like six years, right?

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It took so much of my,

I had to do everything.

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And so I think people need to.

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Acknowledge that if you want it, you've

got to really keep your eye on the prize

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and put in the time And do the hard

work and if you have a hard time with

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deadlines I live and die by my calendar

because again, I think i'm a pretty

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lazy person and if it's not written

down I'm, probably not gonna do it.

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

I'm going to go do everything I want,

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

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

big believer in financial independence.

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I think if every person on earth strives

to become financially independent,

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they will have more freedom and

they will enjoy their life more.

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So that's kind of my

life mission for myself.

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And then also for, for my family.

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Other people that I interact with is how

can I help them get to a place in their

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life where they can Pretty much buy their

freedom Okay, so I love that and I think

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

you tell me in in my situation what advice

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

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

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here talking to me, but what would,

how could I be financially independent?

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

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I think it comes down to.

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So, what do you love?

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I think you have to love whatever

it is you're going to turn

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into financial independence.

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And the biggest, actually, because

I've had this conversation, the

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biggest response I get from people is,

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

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I love doing, making costumes, but I

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

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want to turn my hobby into a job.

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And then it takes the fun out of it.

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Well, if you're good

at it and you love it.

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It's okay to turn it into a job

and do the other parts, but for

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financial independence first, I

think you need to figure out what it

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is that you want to be involved in.

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I don't want to be in finance.

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Nothing about that sounds fun.

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

going to look into anything where

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I can, where I have to have that be

my reliance, but what I am going to

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do is say, Oh, I love real estate.

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I really love real estate.

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So how can I turn my, what I really love

and that I think is fun and enjoyable

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and I can talk about for hours into a

stream of income and then researching

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it, just like you were saying, go out and

read the books, listen to the podcasts,

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figure out how the different ways that

people have made money on this, which

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one kind of lights a fire under you.

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And then put together a plan, but a

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

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I think the dummies books are great.

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I just really think they have them

on everything, and they really

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keep it very, very small so that

just about anybody can do it.

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:

Um, and I know that doesn't really

answer your question because I've kept

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it very broad, but if you can leverage

what you love so that other people are

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paying you for it, And then once you've

started getting paid for it, you can

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teach other people how to do it, or you

can start making money on other people.

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Then you have just created, not just

income, but sustainable long term income.

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:

I bought my first house and I put a

tenant in it and I got a mortgage on it.

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Every single, I think almost every

single one of my, you know, three

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of my properties are paid off.

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All of the rest of them.

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I have mortgages on and my tenants

pay my mortgage down so that

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I get to realize my long term

equity bills and they pay it down.

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But it doesn't have to be like that.

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If real estate's not your thing,

ultimately what you want to do

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:

is make money on other people.

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And you don't start there.

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You start there by having people

making money for what you are doing

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that other people are paying for.

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And then you can leverage

it and slowly grow.

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:

Um, I rely incredibly heavily

on other people's expertise.

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I'm one person.

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I can't know everything.

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I can know a little bit about a

lot and I can read some books,

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but if I want to publish a book.

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:

I'm not going to learn how

to publish a book myself.

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I'm going to go and meet the

people that can tell me how

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:

I'm going to publish a book.

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:

I have one coming out, coming up, right?

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:

If I want to invest in real estate,

I'm going to go hang out with all the

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:

people that have already done that.

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If I want to have a YouTube channel that

supports all of my income and I only

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get to be a content creator, I'm going

to go find those people and pick their

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brain and socialize with them and do

the things that I can until I get there.

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And I think that's the best way.

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:

Cheap on the cheap to get yourself

to a certain point is to go hang out

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:

with the people that you want to be

like Amen, amen Okay, so two things

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:

I want to kind of Follow up on.

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:

I love that you said baby steps and

I so highly recommend, I think my

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:

whole life I was in such a rush and

that's how it can be more enjoyable.

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:

I don't get freaked out anymore.

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:

Like you said, I go meet with someone

to talk about what I want to do.

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:

And then there's one other thing I was

thinking of, um, that has added to me.

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:

I think making something more successful.

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:

And I think when I add a piece in about

helping others, and I'm going to explain

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:

that because, um, my oldest daughter

is in her residency in pediatrics.

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:

Yeah.

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:

Oh, thanks.

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:

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

proud of the grandson she created.

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:

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.

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:

She's, she calls me in the morning,

she's working nights in the PICU and

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:

she's seen horrible things, you know, a

14 year old brain dead that she had to

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:

do the tests on is donating the organs.

407

:

The mom is a doctor where she

worked, you know, it's just like,

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:

there's so, so many traumatic things.

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:

And she works in oncology, which she tends

to think is a little bit more optimistic

410

:

because so many children do well.

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:

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

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:

grandparent is really important to me.

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:

And a wife.

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:

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

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:

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

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:

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.

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:

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

to publish it in October of:

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.

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