In this episode of the BeaBossCoaching mini podcast series '9 to Grind,' I chat with Nathy, a paralegal and money coach who manages to juggle a full-time job, her entrepreneurial journey, and being a mom. Nathy shares her experiences and strategies for maintaining work-life balance, setting boundaries, and the challenges she faced in growing her business. We delve into her daily routine, the importance of prioritizing her family, and how hiring help has enabled her to focus on what she loves while managing everything effectively. This episode is filled with practical tips and inspiration for anyone trying to balance a corporate career and entrepreneurship.

0:00 Nine to Grind with Nathalia Segoviano

23:49 Nathy's Day

In this podcast series, I will be talking with women of color, BIPOC, and queer entrepreneurs who are both juggling a 9 to 5 and running a business at the same time.

In this series, I aim to shine a light on the many different ways that people balance their corporate careers with their entrepreneurial aspirations.

Each episode will delve into their challenges, successes, and most importantly, What they do from the time they get up in the morning until they go to bed at night. I know firsthand how tough this balance act can be since I left my job a little too soon and I learned lessons along the way. I hope that with this series, you can get as much insight and strategies that will help you in your personal entrepreneurial journey and corporate career.

Thanks for tuning in. And I can't wait for you to hear from these incredible entrepreneurs who have shared their time and their wisdom. I hope you enjoy.

Nathy: Oh, I'm happy that it's Saturday actually, because I have been very exhausted from my nine to five. So it's good that we're about to have this conversation.

I'm gonna quit my job And I did right. But that's why i'm so excited to have this series where we talk about what does a day look like for you , but let's get started. So tell me your name And the name of your business And we'll take it from there

Nathy: Okay. So my name is Nathalia and I'm money coach over at Chapina building wealth.

Beatriz: chapina building world. Woohoo. Okay Okay, so

Nathy: known as Mom Money Boss, I should say,

Beatriz: Oh, I know that's right. I know you changed it recently. Yes. Well, I do love the Chapina Building Wealth because I think it speaks to your culture and your background and so I love that.

Nathy: thank

Beatriz: Okay So tell me Nathy and can I say Nathy or do you prefer

Nathy: Yeah. Yeah.

Beatriz: me nati. So what is your full time job.

Nathy: That's actually, you know, it's for a reason. I don't talk about it much because for many, many reasons, but basically I'm a paralegal at the public defender's office here in LA County. And so part of what I do is help attorneys with trials, with criminal defense, with preparing mitigation reports for clients.

So I do a lot of client interviews, getting documents, preparing reports, being in court. I did a variety of things, but basically this is what I do. So public defenders are people who are appointed or attorneys who are appointed to represent people who don't have money to represent themselves or to hire an attorney.

So indigent clients. So a large population of the people that I work with are extremely low income, impoverished, living in, , dangerous communities and things like that. So it's definitely, , a huge difference in, what my life and what I do with the money coaching, but I love it.

Beatriz: yeah, I totally get the passion behind it because I used to be, I wasn't a paralegal, that wasn't my role, but I used to be a disability case manager, which meant I worked with attorneys who were working on people with disability cases and going in front of a judge. And I would prepare case files and submit it.

Records to ODAR, which is the Office of Disability, Adjudication and Review, and I still remember all this stuff. , but yeah, but I loved my job. And it's actually why I went into social work. , because I worked with a lot of people who also were low income And wanted to change systems.

, but yeah, that's so cool. , I didn't know what you did. I knew you were like at an office

So definitely my job has changed because I actually got promoted, , last year and my responsibilities have changed. And, , the dedication to my job has really taken a front role recently. Whereas in the past I had, I felt like I had a little bit more. Work life balance Yeah

Nathy: Yeah, of course. So my money coaching business is what I do on the side and I do I host workshops for organizations or companies that hire me to present to their employees I also, the majority of my job is one on one coaching. So I do six months of one on one coaching with people of color. The majority have been women, but I have had one male client, like, and I, and I'm open to anybody and anyone, honestly.

But I do focus on women and people of color and teaching them how to manage money, get out of debt, learn how to save credit scores, learn how to use credits, credit cards responsibly, all the things that like, honestly, nobody taught us that I taught myself and I learned the hard way. , my ultimate goal is to see people, people of color, Latinos, building wealth, right?

Then I went into one on one coaching and I've also done a empowerment program, like a 90 day money empowerment program with another coach. We did that for about two years. And so we did group coaching in that, , container. And so I've done a little bit of everything.

Beatriz: Yeah, wow. So it feels like that's a whole other realm, , from what you do as a paralegal. , so that's really interesting. How long have you been working both full time and been running your business at the same time?

I'm very much like, I like the stability of a nine to five and I like the, I could just go to work and leave and that kind of deal. Right. , entrepreneurship seemed very difficult when I was, Thinking about it or just when I saw it in real life, you know, and so, , I just started my Instagram private, , only with friends and family to teach them about my budgeting journey.

And I wanted to teach them what I was learning because I felt like , my mind was really opening, like all my horizons opened up about the opportunities that are out there that I didn't know were there for us. So that's how it started. And, , Eventually people started asking me about hosting workshops like, Oh, you should do a workshop about a five to nine.

You should do a workshop about saving. You should do a workshop about debt payoff. And so I did. And that's kind of how it started. I just kind of started offering what people asked for, what they wanted to learn about. And then ever since then, I have been running the business and the business has been changing and evolving every year.

I like this nine to five where there's boundaries, right? It's like you can turn off. , but. how did you, you said, you mentioned that you started with teaching on social media, then you got asked to teach about workshops. , when did you Say, okay, well, you know what? I'm, I'm going to do this.

I'm going to start this journey as an entrepreneur or start this business. When did that start to change for you?

And that was like my first big thing. Like, Oh, I have to open this up to the world. Right. And I was really scared for many, many reasons, imposter syndrome, but also just like in, in what I do, , I don't necessarily want my job connected to my business. Um, and so, you know, it was a security layer. And then there was also like an imposter layer.

So my first clients were friends, family, or close people that were in my community. , it was literally, I had 400 followers. And once they, I was featured on personal finance club. It just blew up from there. And then another thing I did that same year was I applied to a scholarship for FinCon, which is a financial conference that happens every year.

So I applied to get a scholarship and I got it. So they paid for my ticket and I just had to pay for my travel. And then that really opened me up to the bigger community of financial creators. Really? And , that year is what opened up everything for me, opened up many doors and possibilities.

And, um, that's kind of when, , I just decided, okay, like this is a business, like this is a real thing.

So that's really incredible. Okay, so as you started to blow up and get bigger, what were you thinking as you were beginning to experience that expansion and also obviously still having your full time job and having those responsibilities. You're a mom, right? So there's a lot of other familial responsibilities as well.

What was going through your head as you were seeing this expansion and then also still having to be responsible to your full time job and your personal responsibilities?

And so really When I did the transition, what was going on in my head was just kind of having fun with it. Like I was really having fun with it at first, right? Like the thing, 2021, I was just going with the flow learning. , I wasn't like full on, like super serious about having a business and making a ton of money or doing anything like that.

It really wasn't about the money ever for me. , I started charging like 25, , for my workshops. And I remember my first One on one clients. I charged 200 bucks for six months of coaching. , and I just wanted to start somewhere. Right. But it was never for me about the money. , it was just more like I wanted to have fun.

I went back to my office. And I started to feel the pressures of commuting and finding enough time in the day to do meetings with clients or this or that. And I found myself doing a lot of meetings over the weekends, which was fine, but that really cut into my, my time and my energy with my daughter. And so in November of 2022 is when I reached out to, , to Cat for coaching.

, because I was like almost losing my mind. Like I was so tired and so burnt out. I was, there was so much on my plate, right? Like there was, we were doing the program , I had to do my own bookkeeping, creating content, like I had to do everything. , and when I started to feel that, I didn't even have it in me to be on Canva anymore.

Cause I have every other Friday off while my daughter's in school. And then I meet on Sundays, but then even then I have even created more boundaries of , I'll only do three meetings a day period because there was that point where I would have four or five meetings back to back. And I was like, I'm so tired.

Then we only had one day. And then it was like, if I'm not working from home, I don't have time at work to do anything for the business, right? Like I have to do my own bookkeeping, I have to do everything by myself. And so I don't have time for that if I'm in the office all the time. , so just things like that, , it's a big, it was a big transition.

And, , I think through that time. At first I was having fun with it, but then it got real serious.

Beatriz: You're I'm getting too big. This is

Beatriz: Yeah, wow, that's incredible. I mean, sometimes I think that when you start to experience those, those wins, right, and then you see how big things can get, it, it makes you want to stop oh, crap. How do [00:17:00] we move forward with this new reality? , so that's awesome. And , honestly, like I you can, I can really feel just how much you really want to help the community.

And I think that's what really attracts people, right? It's like your authenticity and your genuineness. So it's no surprise that that was such a huge, snowball effect for you to especially when you started opening up your account and like really talking about this and asking for that support Okay so I know that you've expressed Really loving your job like it's something that you don't see yourself Leaving to do , your business full time.

What motivates you to keep wanting to do both?

Like I could totally see how people do You know, the business on , full time because you could, you could get sucked into doing so many different things, but I've really had to, one is draw boundaries and two is accept my reality, right? I have to accept that I can't make reels every day. I can't post every day.

I can't do newsletters every week sometimes, right? Like there's just times in my life where I just can't do it and that's okay and being okay with that, right? Like when I was doing, when I was in my trial, it was just like, I just can't pay attention to the business right now. I can't do the tracking for the business, right?

So I think that's what's really helped me with both. It's just like boundaries and accepting my situation.

Beatriz: Yeah. Thank you for that. So true. It's so tough for, to bring yourself to that, to those thoughts and saying, you know what, this is what it is. So for sure.

Nathy: And it helps that you, when you have passion and love for those things, it helps because you want to, you want to do it. It's not something I dread doing. It's not something I do just because of the money, right. I do it because I love it. And so that really helps. It's a blessing and a curse sometimes, you know?

Yeah.

And, I feel the same way when I'm coaching clients, , I love coaching, like I love talking to my clients and going through the coaching, just the questions and doing the sessions and then it's done and you're like, Oh crap, I didn't post today, you know?

Nathy: Yes. That's, I was thinking when you were saying that, I was like, I love coaching. I hate creating content. No,

Beatriz: I mean, and sometimes I don't mind creating content like it's fun, like I like to do lives. And now I'm getting more better at it. I didn't like doing that because , I'm like, the camera. But in terms of just , there's this pressure like, oh, I need to be more creative. I need to be loud today.

Nathy: definitely. Yeah.

Beatriz: Okay. All right. I know, I was going to ask a little bit about how you stay disciplined, but you mentioned that you have a lot of boundaries and that there's like boundaries all over the place. , what do those boundaries look like for you? And I, I guess just a couple examples. I know I want to go into the bigger question of what your day really looks like.

My mind isn't there. And so being okay with saying, Hey, I'm sorry, I can't show up for you today. Can we reschedule this? I think that has been huge for me, right? Saying that, like, don't push through. Right? Like if you're not there, if you don't feel well, don't push through, get what you need first. And I love that.

My clients are super understanding about it and I am the same with them when they need something. And I try to be as flexible as I can with them because I get it. Life, life is lifing, right? Um, but for me the biggest boundaries that I've learned from cat honestly is to take my days off. Right? So take my Saturdays off.

My big boundary is like I do not do meetings until after I drop off my daughter at school and before I pick her up, I do not do meetings when she's here, right? That's a big one for me. , and with my job, I think it's just like has been really Don't work on your business at work because I used to do that a lot, , and I had to be like, no, like your business is your business.

You can do it on your off time, , on your at home, but we're not doing this at work. Right. Like unless I'm on a break or something, just things like that. But the biggest ones have been limiting my energy. So like knowing when to not take on too many clients, knowing not when not to take on too many meetings, knowing my limits and sticking to them.

Nathy's Day

But you have so, gracefully have been like, okay, I love my job. And I also love my business and I love to coach. So can you walk me through a typical day for you when you're both at your full time job, perhaps also thinking about your business, and what does a typical day in your life look [00:25:00] like when you're both doing both, um, from When you wake up in the morning to when you go to bed at night.

What does that look like?

Nathy: So I think it depends on , if I'm, of course the, am I in the office? Am I working from home? Do I have to be out in the field? Right. So regularly, let's say a regular day for me going into the office is I wake up usually about 5: 30. Um, I made breakfast for me, for my daughter, and then I get ready to go to work because I try to be out of here by seven.

And so I, I'm pretty much always the one that wakes up early. So I always, make my daughter breakfast. I'll comb her hair, try to get her ready because that takes her to school. So that's usually my morning. And then I go into work in the office and, , sometimes I'll be listening to money podcasts on the way.

I don't have time to make like a full on content or full on reel. So like I'm in my stories a lot. Because it's the easiest thing for me, right? So i'll go to work. I will work till I don't know whatever time Which i'm trying to be better about and then I come home

Beatriz: What time do you, what time do you start work? What is the 7? Okay, so you are in the office at 7 30 in the morning.

Nathy: Yeah, I try to be there before 7 30 because in our where I work There's this thing where like if you don't get there before 7 30 you go to the loser lot parking So I try to get like the good parking Yeah. And also I'm I'm a morning person. I have a lot of energy in the morning and I've recognized that.

Because there's not a lot of back and forth. And I come home and then I'm, and then I'm a mom.

Beatriz: Time do you, um, so you're in the office at 730 and then, , it's a full day in the office. So you're done around

Nathy: 535 45.

Beatriz: really? Okay. So those are long days. Okay, so you're in there at around 730. Have a full day you post on stories if things come up as you have conversations. And you're but you're in the office physically until about 530. Okay.

So that I do do kind of like in between things when I'm waiting for stuff

Beatriz: Okay, and so you get home, so you're done around 530. Is that when you, then you drive home, , from the office? And how long is your drive home?

Nathy: about 20, 30 minutes.

Beatriz: Oh, okay. So not too bad.

Nathy: no, it's not too bad. Thankfully. Yeah.

Beatriz: What does your drive look like? , What do you do during your drive? , I imagine it's like some alone time for you, , is that the case?

I'm learning for my clients Because all my clients have different situations. So i'm constantly looking for things that are going to help them, right? and so Looking for podcasts that I can use to help them is really the key What I use that time for honestly or to be on stories So not so much me time, but it is fun.

It is fun for me.

Beatriz: Yeah, yeah. So, I mean, it's still, so you do the research, you listen to their podcasts, but you also, talk your, your ideas out. Okay, awesome.

Nathy: That's like a day in the office Then there's days that I either I work from home or I have fridays off and those are a little bit more chaotic Sometimes for example like yesterday, right? I had a You know, on a Friday off or a work from home day, I take my daughter to school. So that means getting up, making breakfast for her, getting her ready.

So like I'll come home and I'll have like one coaching call, two coaching calls, business things to do, , like work on my PowerPoints or something. And so there's times where it's really chaotic in that sense. Like I have to make it work in between, fit it all in even today, right?

Like, I think this podcast, we talked about it really quickly, just maybe a couple of days ago. And then, , I had to reschedule two clients to today. And then I also have to take my daughter to gymnastics. So I have to play Tetris with all my time to make it work.

Beatriz: That's a good visual, the Tetris to

Nathy: Yeah, that's really what it is. And a lot of times what I'm looking for in between the appointments that I make is having time in between to give myself a breather and then making sure that there's a stopping point where I can be like, I'm done and I can just be with my family.

So like you're working from home, but. In those days when you're working from home Does do those days feel a little bit more like those days are the ones that you think or feel more chaotic? For you because there's just like it's work from home. So everything's sort of blurred together, right?

So, um, yeah, I just get hard sometimes and , Like I said, the lines do get blurred because there's times where like if I, for example, yesterday, because I had a headache and I didn't feel well, I took a nap and then I ended up working later because I didn't work earlier. You know what I mean?

Beatriz: yeah, yeah. I like that you still take the time that you need to do what you need for you. And then you negotiate, you're like, okay, well, I didn't work here. So let me just do some work today, later on. Okay. And so when, When you get home, so like after 5. 30, so let's say like you did go into the office that day, um, what does that look like for you?

Does it, is it just like family and then you're, do any nighttime routines?

We'll all have dinner. And then, , either we will each be kind of doing our own thing. So like, I'll be reading a book. My daughter will be like relaxing because she's done with her homework. And if there is a night where we have to do like shower time is like a whole other deal. So we have to like, be like, okay, watching, I'm constantly watching the clock.

630 is her dinner time. Then I have to get her in the shower and then I have to help her with that. And then I have to like, get her out and make sure she gets dressed and. and comb her hair and then gets her vitamins and then read a book before, 15 minutes before 8 p. m. and then get her into bed and then at 8 p.

m. she's in bed. And then, then I have only about one hour for me or me and my husband. So eight to nine is kind of like my time where I read a book, watch tv, I don't know, journal, color, whatever I want. , and then usually by 9, 9 30, I'm asleep.

Okay.

Nathy: And if I'm the good thing that, my husband and I have great teamwork. So if I'm really, really drained one day, he will take over with her, or vice versa. If I come home and I like, like the other day I came home and I was like really energetic and I was like, Still good. So I was like, if she was cooking with me, I made lasagna, which I never cook.

So that tells you that alone tells you that I was like feeling good. Cause , I got after work, I came home, I changed and I told her, Hey, come cook with me. So we made lasagna together. And then I was like, just playing with her and doing stuff with her. And then that was our night, you know? So it's like you, I really take advantage of my energy when I have it, right?

Beatriz: Yeah, yeah. And then the days when you do coaching so like basically like the are the only The every other fridays that you have off are those the only days where? You coach the clients that you have

Nathy: So I try to make it so that the only ability and really the only availability I put on my scheduling is every other Friday and Sundays.

Beatriz: Okay,

Nathy: But if a client, something comes up, we have to meet sooner. Like for example, , my client that I had this morning, um, she didn't, she had booked one until April.

, or maybe sometimes we meet during the week. Like if I work from home, I tend to be more flexible on meeting during the week because I don't feel as tired as when I go in the office. So we'll meet at 6 30. And again, everything for me has like It's intentional. I do 6 30 because that's when my daughter's eating dinner.

Beatriz: Mm hmm.

Nathy: So then I don't, I'm not away from her, and I think one big thing I've learned when I started coaching was how valuable my time is with my daughter and that I have to pull back my availability with my clients because my daughter's more valuable my time with her. And that's another thing that helped me, , charge my worth is because every hour that I am doing this business things is an hour I'm not with her.

Beatriz: Mm.

, and luckily my clients are very understanding and I always give them a heads up if something's gonna happen And you're like when I when I went to trial I told them hey like my availability is going to be limited But let's try to make it work. However, we can Oh,

Beatriz: Yeah. That's awesome. you mentioned that you have a VA, , and so in working with your VA , and getting that support, how does that fit into, to your work? The days with that where they're chaotic. I imagine they're that support is much needed when you're feeling that way

Nathy: yeah, thanks to her is why I have content

Beatriz: Yeah

Right. So she's been invaluable to me, especially when I was doing the reels, like I would record it and then she would edit it right to whatever. And I was like, Oh, I don't have one less thing I have to worry about. And that's the important thing for me is , she makes it so it's one less thing for me to do.

Right. I really don't have the time to apply to a website. So I had paid somebody to start it up and then she upkeeps it and she updates it when I need it. And again, it's because I do not have the bandwidth to deal with it. I recently hired a CPA to help me move over completely to QuickBooks and for her to handle my bookkeeping because It's one less thing for me to do.

So I, in a way I have been training her and then that way she can establish her own business as a VA later on.

Beatriz: Yeah,

Nathy: So just everything I do is with intentionality really because I don't, I'm one of those people where like, if I'm going to get a tattoo, it has to mean something, you know? So just everything I do has to mean something to me.

Thank you Nathy for sharing how you do this. Yeah, like how you do this, how you create such a wonderful business and help your community and how you how you yourself experience it and keep it going for you, yourself, your family, your community. So thank you so much.

Nathy: Thanks for having me. I love, I love talking about these things. I want more people to pursue entrepreneurship or side businesses if that's what they want to do, because it does help, with getting to reach your goals. I think entrepreneurship is one of those things that people don't talk enough about that will help you reach that next level with your wealth.

And so I, I love it.

If you have any questions about today's episode, or you are interested in learning more about our featured entrepreneur, come on over to the show notes and click on the links to connect. These women are powerful and are ready to give you their own tips and advice to help you in your entrepreneurship journey.

You can even schedule a complimentary call. I can't wait to get to know you. Have a great rest of your day and I'll see you in the next video.