Join host Anthony Weaver as he sits down with Charly Stoever, a non-binary Latinx money coach and host of the Unicorn Millionaire Podcast, to discuss the journey from financial struggle to empowerment. Charly shares their personal story of navigating financial independence as a queer and trans individual, highlighting the importance of financial literacy and community support. From working as a stockbroker to becoming a successful money coach, Charly offers insights into breaking free from the 9 to 5 grind and building a business that aligns with personal values.
In this episode, we explore:
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Instagram: Traveler Charly
Podcast: Unicorn Millionaire Podcast
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Episode 275
So I'm trans and I'm queer, and I'm actually
Charly Stoever:estranged from my family, which is another
Charly Stoever:reason why I am so gung ho about
Charly Stoever:being financially independent, because I don't have anybody
Charly Stoever:to really fall back on. Like, my
Charly Stoever:dad left when I was 14, and he went back to
Charly Stoever:Mexico, and I honestly don't know if he's alive or dead,
Charly Stoever:which is something that's very painful for me to talk about and
Charly Stoever:admit. Even though he was pretty emotionally abusive and
Charly Stoever:narcissistic, it still sucks to be like, I don't
Charly Stoever:know what happened to my dad, but I know that some of your listeners
Charly Stoever:can probably relate to this too. And I haven't seen
Charly Stoever:my mom in eight years. Uh, so
Charly Stoever:I. It's like, I don't have to worry about
Charly Stoever:my parents now, even though I will probably swoop in
Charly Stoever:if I find out my dad's alive and needs help.
Anthony Weaver:Welcome everybody back to another exciting show, the
Anthony Weaver:about that Wallet podcast, where we help you build strong
Anthony Weaver:financial habits so that you can have the
Anthony Weaver:confidence on spending money, talking about money,
Anthony Weaver:and enjoying your money. And I have
Anthony Weaver:the awesome opportunity to bring on somebody that I met at
Anthony Weaver:fincon. And if you guys ever heard of
Anthony Weaver:fincon, it is a financial conference
Anthony Weaver:that happens every year. But this
Anthony Weaver:person actually brought in so much joy, and I was
Anthony Weaver:excited to bring them on because they had so much excitement
Anthony Weaver:recording their own episode. F and Con.
Anthony Weaver:And what's going on, Charlie?
Charly Stoever:Hi, Anthony. Thank you so much for having me and
Charly Stoever:for manning the podcast booth. I'm super happy that
Charly Stoever:you got to watch me pop Ms. Chica's cherry.
Charly Stoever:It was her first podcast interview, and I love how you came up to us,
Charly Stoever:and you were like, you be on my podcast since
Charly Stoever:Charlie's popped your cherry. I was like, okay, you can pop my
Charly Stoever:cherry, too. I need to be on about that wallet. Ah, now. So we're all just
Charly Stoever:popping each other's cherries.
Anthony Weaver:I know, right? It's a lot of popping going on over
Anthony Weaver:here.
Anthony Weaver:So one of the things that, uh, you know,
Anthony Weaver:I was doing some research and learning a lot about your story, because
Anthony Weaver:I didn't know who you were. I was like, okay, well, somebody's over
Anthony Weaver:here ready to record. And that's
Anthony Weaver:one thing I love about going to different conferences, that you
Anthony Weaver:get to meet so many different people, so many different walks of life
Anthony Weaver:and where they come from and, like, their journeys and
Anthony Weaver:finance, you know?
Charly Stoever:M. So, yeah, like, I would never have met you if it weren't
Charly Stoever:for Fin Con. So it was really nice meeting so many people there
Charly Stoever:and kind of meeting other people who were like my Internet friends.
Charly Stoever:Um, and, and yeah, and just connecting in
Charly Stoever:person with people because it can be really isolating. I've been running my
Charly Stoever:own money coaching business for four years now,
Charly Stoever:so it just, it doesn't, it's not the same. You have to
Charly Stoever:meet people in person. I think fincon was a total reminder
Charly Stoever:of that.
Anthony Weaver:Yeah. And they always say like, the sense of
Anthony Weaver:community is something that we
Anthony Weaver:have to do as content creators to really make
Anthony Weaver:it out there. And I'm not sure if I
Anthony Weaver:totally agree, but I do think you do need
Anthony Weaver:your tribe for like folks. They just kind
Anthony Weaver:of do this thing the right way.
Charly Stoever:Yeah. It's not necessary, but it sure helps me not
Charly Stoever:feel so burnt out as an ambivert.
Charly Stoever:I like recharging at night by myself.
Charly Stoever:But I realized after fincon that I am a lot more
Charly Stoever:extroverted than I thought I would be. So after
Charly Stoever:fincon, I wasted no time like booking a we
Charly Stoever:work to just have a co working space where I could work on my own
Charly Stoever:shit myself. But, uh, around people.
Charly Stoever:So yeah, it's not necessary. But depending on your personality type
Charly Stoever:or how you get to get energy from people, do you
Charly Stoever:get it but then need to recharge like me? I think for me personally it
Charly Stoever:is a necessity for me to go to more conferences and be around
Charly Stoever:other creatives and business owners in person.
Anthony Weaver:Yeah. So what's the next one you go into?
Charly Stoever:I know that travelcon is going to be in Tucson
Charly Stoever:in uh, believe March
Charly Stoever:of 2025. And I'm excited
Charly Stoever:for that because I'm Traveler Charlie. Right. And my
Charly Stoever:podcast is called Unicorn Millionaire and
Charly Stoever:it's heavy on personal finance. But I've also traveled
Charly Stoever:solo, uh, to 34 countries all over the world while
Charly Stoever:running my business from as far away as Thailand.
Charly Stoever:I was in Mexico for seven months and
Charly Stoever:so I'm excited to go. Uh, just see how
Charly Stoever:like my, my influencer ness, even though I'm a micro
Charly Stoever:influencer, I have m less than 10k followers. But I love them. Um, they're
Charly Stoever:loyal af and honestly, I don't need to go
Charly Stoever:viral like my nook of the
Charly Stoever:Internet because I don't know, this election I was not hitting that block button
Charly Stoever:at all. I was like, these are my people. If anything I gain followers.
Charly Stoever:But I'm excited to meet more travel creatives as well too in
Charly Stoever:Arizona. And there must be money coaches and money nerds out
Charly Stoever:there. Of course, of course.
Anthony Weaver:Yeah. Because one of the things that I, uh,
Anthony Weaver:love about your story is that you Didn't.
Anthony Weaver:It's not like you didn't take. No, you've more.
Anthony Weaver:More than likely took over. How come?
Anthony Weaver:And more of a why? And like, your.
Anthony Weaver:Your story is so curious of, you know,
Anthony Weaver:just how does money work? And I remember
Anthony Weaver:you're saying in one of your interviews
Anthony Weaver:in the past, you were talking about how you
Anthony Weaver:actually used to be a. If I'm
Anthony Weaver:not mistaken, was it a
Anthony Weaver:stockbroker? Yes, a stockbroker. I didn't.
Charly Stoever:I want to say, like, finance, white men words. Yeah, that was the
Charly Stoever:one. It was not Wolf of Wall street, y'all. I worked in
Charly Stoever:a call center in Indianapolis sitting my ass on the phone,
Charly Stoever:helping people reset their passwords and learning about stocks.
Anthony Weaver:So, yeah, so talk about.
Charly Stoever:I was making 45k. I was not rolling in it,
Charly Stoever:but I felt like it. After doing the Peace Corps and making
Charly Stoever:30k as a teacher, I was like, oh, I'm gonna buy a sports
Charly Stoever:car. I did not. I was
Charly Stoever:just making 45k. I was like.
Anthony Weaver:But it started, ah, I love the humble story
Anthony Weaver:is because a lot of people always
Anthony Weaver:feel bad about getting paid a little
Anthony Weaver:bit, but in the industry that they want to get
Anthony Weaver:into, and I don't think you actually really wanted to get into finance, was
Anthony Weaver:it, at that time?
Charly Stoever:No, I wanted to teach social studies in high school.
Charly Stoever:I was a history nerd. I loved learning about
Charly Stoever:social studies. And I learned quickly
Charly Stoever:in my 20s that no one wants to hire social studies teachers. Everybody
Charly Stoever:just wants STEM and math and science to be,
Charly Stoever:like, productive members of society. And I spent my
Charly Stoever:20s doing the Peace Corps, AmeriCorps, all the core,
Charly Stoever:Being overworked and exploited on food stamps, on
Charly Stoever:Medicaid. And so by the time I was in my
Charly Stoever:late 20s, I was like, this is not sustainable. I can't
Charly Stoever:be dog sitting and blogging and side hustling,
Charly Stoever:uh, all the time. And that's what made me pivot
Charly Stoever:into personal finance. I didn't even get a
Charly Stoever:real 401k with a solid match until I
Charly Stoever:was 29, because I just did not want future me
Charly Stoever:to work so much about money. And I'm so happy I did that.
Charly Stoever:Which led me to become a money coach. Once I felt
Charly Stoever:that relief of, okay, I don't need to worry about my future self.
Charly Stoever:They're good, which is why I do what I do every day.
Anthony Weaver:Yeah. So how is that breaking out into your own,
Anthony Weaver:you know, because a lot of people are wondering about
Anthony Weaver:their current jobs and trying to take that break
Anthony Weaver:from, you know, that 9 to 5 and really go
Anthony Weaver:full time all in, into that passion.
Charly Stoever:I would say start your side hustle
Charly Stoever:while you have your job. I like to
Charly Stoever:see your job as your sugar daddy. In the
Charly Stoever:meantime, before you peace on out, like, don't just quit
Charly Stoever:your job and start a business. You have to
Charly Stoever:start your business problem solve, uh, see what kind
Charly Stoever:of problem you offer that people want to pay you
Charly Stoever:to solve. And once you get that consistent income,
Charly Stoever:then quit. And uh, now I'm saying do as I
Charly Stoever:say, not as I do. I didn't.
Anthony Weaver:I like the disclaimer there.
Charly Stoever:Yeah, so don't come after
Charly Stoever:me. But in
Charly Stoever:2020, I quit my job
Charly Stoever:when Covid, uh, was in full effect
Charly Stoever:in August because I was ecstatic for the stock
Charly Stoever:market to crash when Covid hit. Even though I was only making
Charly Stoever:45k. I probably had like a
Charly Stoever:50k net worth to my name, but I was like
Charly Stoever:salivating that the stock market was crashing because stocks are on
Charly Stoever:sale. And I was like, this is fucked up that I'm
Charly Stoever:excited. I'm not even making that much money. And
Charly Stoever:so I finally knew what I wanted to write my
Charly Stoever:master's degree essay on because I kind of was like, well, I should
Charly Stoever:get a master's because this 45k crap is
Charly Stoever:not like paying the bills and stacking my
Charly Stoever:401k that much. So I got a full ride to an
Charly Stoever:MBA from Brandeis and then
Charly Stoever:I quit my job and I moved to Mexico,
Charly Stoever:which has a much lower cost of living. And I'm a dual
Charly Stoever:citizen. I was born in Mexico, I was undocumented, did not
Charly Stoever:become a US citizen until I was 21. And
Charly Stoever:so I used my stocks, my savings
Charly Stoever:to help me make that confident decision.
Charly Stoever:And having an apartment that was 400 bucks a month, like a
Charly Stoever:five minute walk from the beach, definitely helped me not
Charly Stoever:stress out so much about money, which is
Charly Stoever:how I was able to start my business. By the
Charly Stoever:time I ended up having my MBA a year and a half later, I
Charly Stoever:was like, I'm just going to keep working for myself this whole
Charly Stoever:time because I never fit in at the 9 to 5.
Anthony Weaver:That is amazing from
Anthony Weaver:just using your stocks. Like, who would have thought to use your
Anthony Weaver:investments now? Because right now a lot of people
Anthony Weaver:keep thinking like, hey, you should stock your
Anthony Weaver:money away until you're retired. Uh, instead
Anthony Weaver:of looking at it like, hey, you can actually utilize it while
Anthony Weaver:you're alive and
Anthony Weaver:well and still young enough to
Anthony Weaver:enjoy it, to travel. Because I know you've seen the
Anthony Weaver:memes where it's like too old couple. That's like,
Anthony Weaver:oh, we finally able to Retire and
Anthony Weaver:we can't even do anything right.
Charly Stoever:We fall asleep, right?
Charly Stoever:Yeah.
Anthony Weaver:How was that?
Charly Stoever:I love breaking people's brains about that. I didn't
Charly Stoever:know that you could just like, sell stock without paying a
Charly Stoever:penalty to fund your life. But because I worked as a
Charly Stoever:stockbroker and I saw how many casual millionaires are
Charly Stoever:in this country, and I saw how mostly the
Charly Stoever:middle class or wealthy white people were moving their money
Charly Stoever:around for just daily expenses. They would
Charly Stoever:call us and be like, I have to drop 20 GS
Charly Stoever:on a down payment. Let me sell some stock in my brokerage
Charly Stoever:account. They knew exactly what to do and from which
Charly Stoever:account. They were not liquidating their 401ks. They were not
Charly Stoever:touching their retirement accounts. They were touching the taxable
Charly Stoever:brokerage accounts that are basically like high yield savings
Charly Stoever:accounts on steroids where the gains are
Charly Stoever:a lot higher. But also, if you're not
Charly Stoever:careful, the dips can be a lot more dramatic.
Charly Stoever:So you can't just like go in any day and expect
Charly Stoever:to liquidate. You have to watch what the stock market's
Charly Stoever:doing. But that's a pattern that I noticed these rich people
Charly Stoever:do. They were using these accounts to grow their
Charly Stoever:money way more than they would in a high yield savings
Charly Stoever:account. Because the high yield savings account, you're just not losing
Charly Stoever:money as quickly to inflation. That shit's not growing your money even if
Charly Stoever:you're making thousands of dollars in interest in a month. And
Charly Stoever:so that's something that, that I did
Charly Stoever:again, as somebody who never made more than 45k, I stacked
Charly Stoever:my brokerage account so that when I realized
Charly Stoever:my master's degree was not helping me start my business at all. The
Charly Stoever:master's degree just helps you become, uh, a toy in the
Charly Stoever:system even better. And use fancy words to get the job. It
Charly Stoever:does not teach you the skills for entrepreneurship. So I hired
Charly Stoever:my business coach, Kat Del Carmen, a Latina business coach.
Charly Stoever:And she at the time was only charging $3,000 for
Charly Stoever:three months of coaching. And I was like, I'm not going to take out my
Charly Stoever:emergency fund for this. So I, uh, sold $3,000 of
Charly Stoever:Tesla stock because I hated Elon Musk. Anyway, while I was
Charly Stoever:chilling on the beach at like 6pm and after hours
Charly Stoever:trading, and I just moved money around and paid
Charly Stoever:her. And then the next month I doubled my investment and made
Charly Stoever:$7,500 in revenue through my
Charly Stoever:money coaching business with very minimal
Charly Stoever:expenses as an online business owner. I didn't have employees.
Charly Stoever:I have to pay for a building or anything. So
Charly Stoever:that's like. And uh, my clients,
Charly Stoever:I love showing them how little cash I have. I have
Charly Stoever:$0 in my checking account. You have no business
Charly Stoever:storing cash in your checking account with this crappy interest rate, even
Charly Stoever:an ally. And I have like 2k in cash at a
Charly Stoever:time. And my clients just like, uh, who have like
Charly Stoever:hundreds of thousands or tens of thousands in cash. And I show
Charly Stoever:them I only have like 2k in cash at a time because of all the
Charly Stoever:other levers I know where to pull from. It's
Charly Stoever:really enlightening for them to see how,
Charly Stoever:how differently people manage their finances. As long as you
Charly Stoever:understand why you're doing it and like your reasons.
Anthony Weaver:Yeah. So what is it something that somebody can
Anthony Weaver:do now that are listening and they got, uh, super excited about your
Anthony Weaver:story to say, like, hey, where can I start as far
Anthony Weaver:as investing? What should they do?
Charly Stoever:Listen to, uh, this podcast, Listen
Charly Stoever:to my podcast. Don't go on Reddit,
Charly Stoever:don't just listen to random ass people on TikTok, because they're just going to
Charly Stoever:tell you what you need to hear, what you want to hear, not what you
Charly Stoever:need to hear. Right. And
Charly Stoever:even for the month of November, I'm offering one off calls, which
Charly Stoever:I don't usually do. If you want to do those
Charly Stoever:annoying things that you know you need to get done, like break up with
Charly Stoever:Wells Fargo and their crappy interest rates or dump
Charly Stoever:bank of America and leave that toxic relationship and
Charly Stoever:open a high yield savings account. It's
Charly Stoever:urgent now more than ever to be on top of your finances
Charly Stoever:before the new year even starts. So that's why I'm doing,
Charly Stoever:I call them, um, November money makeover calls
Charly Stoever:for just 75 minutes. I can give you a
Charly Stoever:Queer Eye makeover on your finances
Charly Stoever:too. And if you like what I do, you can use
Charly Stoever:that credit to add that to my
Charly Stoever:six month money coaching program. Because I usually work with folks for
Charly Stoever:only six months at a time, minimum. Some of my clients have been
Charly Stoever:working with me for over a year because there's always more and
Charly Stoever:more to build off. So that's my advice. Stop trying to do
Charly Stoever:it yourself and find the free tips and the hacks.
Charly Stoever:There's so much conflicting information out there from people that don't know
Charly Stoever:what they're doing or who might not relate to your
Charly Stoever:experience either. And like hire
Charly Stoever:a coach or pay somebody to hold your hand through
Charly Stoever:it for that accountability. So you make sure you actually get
Charly Stoever:these things done because money can be scary and it's nice to have
Charly Stoever:somebody walk you through it.
Anthony Weaver:Yeah. And especially if they have that, like you Said that same background,
Anthony Weaver:that experience because. Or at least
Anthony Weaver:can relate to something. Because there's a
Anthony Weaver:huge disconnect if you can't even speak the same language.
Charly Stoever:Yeah, yeah.
Anthony Weaver:And because, you know, my target audience
Anthony Weaver:is the sandwich generation, so they have kids and also
Anthony Weaver:they're taking care of their parents as well. So
Anthony Weaver:what is it, um, something that you've been
Anthony Weaver:doing to kind of prepare
Anthony Weaver:yourself to deal with your parents as they get
Anthony Weaver:older?
Charly Stoever:So I'm. I'm trans and I'm queer and I'm actually
Charly Stoever:estranged from my family, which is another
Charly Stoever:reason why I am so gung ho about
Charly Stoever:being financially independent, because I don't have anybody
Charly Stoever:to really fall back on. Like, my
Charly Stoever:dad left when I was 14 and he went back to
Charly Stoever:Mexico. And I honestly don't know if he's alive or dead,
Charly Stoever:which is something that's very painful for me to talk about and
Charly Stoever:admit. Even though he was pretty emotionally abusive and narcissistic,
Charly Stoever:uh, it still sucks to be like, I don't know
Charly Stoever:what happened to my dad. But I know that some of your listeners can
Charly Stoever:probably relate to this too. And I haven't seen my
Charly Stoever:mom in eight years. Um, so
Charly Stoever:I. It's like I don't have to worry about
Charly Stoever:my parents now. Even though I will probably swoop in
Charly Stoever:if I find out my dad's alive and needs help. I don't know.
Charly Stoever:Or if he, um, isn't alive. I don't
Charly Stoever:know either. So I know that regardless
Charly Stoever:of if they need my help, I'm setting myself up
Charly Stoever:first and making sure I'm good and not just
Charly Stoever:living in emergency mode than the scarcity mode
Charly Stoever:anymore. So regardless of if I know I'm going to have to
Charly Stoever:take care of somebody or not, I have to take care of myself
Charly Stoever:first. And I also don't have kids
Charly Stoever:because honestly, I'm still reparenting myself
Charly Stoever:and, like, healing my own
Charly Stoever:traumas and finding out who I am.
Charly Stoever:At 34, I feel like my life is still barely beginning
Charly Stoever:because I have the money to allow me to dive
Charly Stoever:into more fulfilling things instead of just living in
Charly Stoever:survival mode. I'm able to be like, okay, who am I
Charly Stoever:really? I'm an artist too. I love to paint and draw. If money
Charly Stoever:weren't a thing, I would be out in the woods in a cabin,
Charly Stoever:painting the trees with, like,
Charly Stoever:goats and chickens and shit, but also close enough to go to
Charly Stoever:the gay club and Zumba class to twerk my ass
Charly Stoever:off.
Charly Stoever:So, um, I think regardless of your situation, you
Charly Stoever:got to take care of yourself first. And especially if you have parents
Charly Stoever:and kids and all these people that you got to take care of. You have to
Charly Stoever:prioritize yourself so you're not burnt out and
Charly Stoever:just grasping
Charly Stoever:because that really will affect your loved ones too.
Anthony Weaver:Yeah. And that's one of the things that I notice a
Anthony Weaver:lot of financial, as
Anthony Weaver:you can say, um, not influencers,
Anthony Weaver:but people who are providing the information. They don't
Anthony Weaver:put into consideration of the people who don't have
Anthony Weaver:a legacy to leave on. Besides, like, you know, for
Anthony Weaver:me, like, I'm not going to have any children either.
Anthony Weaver:And one of the things is that from
Anthony Weaver:my piece, this is my Baby, the
Anthony Weaver:podcast, this is my gift to the world. It's like,
Anthony Weaver:hey, if this is my journey, these are the people
Anthony Weaver:that I've met and had awesome opportunities, um,
Anthony Weaver:to kind of have this great conversation with,
Anthony Weaver:but that's it. Like financially, I'm, uh, like
Anthony Weaver:this. For me, you can take what
Anthony Weaver:you want because, you know, we only live
Anthony Weaver:once and let's enjoy it.
Charly Stoever:But yeah, and I know some people leave their money to their pets
Charly Stoever:too. You can leave your money to a, uh, foundation or a
Charly Stoever:nonprofit that you care about as well. Or if you're
Charly Stoever:like queer like me and have chosen family,
Charly Stoever:your beneficiaries, people you leave your money to does not have to
Charly Stoever:be blood related as well too. So there's lots
Charly Stoever:of options to leave a legacy. It just doesn't always have to
Charly Stoever:be your kids.
Anthony Weaver:I, um, like that. Yes. That is so true.
Anthony Weaver:Thank you for bringing that on.
Charly Stoever:Of course.
Anthony Weaver:So for you, we're gonna slide on over to
Anthony Weaver:the third segment here, which is the
Anthony Weaver:futures. What skills or habits do
Anthony Weaver:you feel is going to take you to that next level?
Charly Stoever:Me personally?
Anthony Weaver:Yeah.
Charly Stoever:Uh, oh my God. I just thought of fincon and
Charly Stoever:how I absolutely crushed it
Charly Stoever:with all my skills that I've learned as
Charly Stoever:a business owner. You have to market yourself.
Charly Stoever:You have to hype yourself up. You have to talk about
Charly Stoever:yourself because you're not Pepsi with a billion dollar
Charly Stoever:marketing team reminding people to get
Charly Stoever:in on this. You have to celebrate
Charly Stoever:yourself and constantly introduce yourself.
Charly Stoever:And as a business owner, that's something that has been ingrained in me.
Charly Stoever:Whenever I hop on my Instagram at Traveler,
Charly Stoever:Charlie with a Y come to work along with me.
Charly Stoever:I start every single live, even some of my stories.
Charly Stoever:I assume that there's constantly new people
Charly Stoever:jumping into my radar and I'm always like, I'm
Charly Stoever:Charlie. I'm a non binary Latinx money coach helping
Charly Stoever:LGBT bipoc. And I took those
Charly Stoever:skills of introducing and marketing and Branding myself with my
Charly Stoever:bright ass outfits and bright colors to fin
Charly Stoever:con where even people would just come up to me every day and be like,
Charly Stoever:I love what you're wearing. I have loved watching what you're wearing
Charly Stoever:every single day. Or they've been like, I love how you
Charly Stoever:introduce yourself when every time you grab the mic to ask a
Charly Stoever:question, you introduce yourself. I'm watching, I'm taking
Charly Stoever:notes. And I think that that has been a skill that
Charly Stoever:I've developed. And something that I want to work on this year is getting
Charly Stoever:booked and paid to speak. Um, and do
Charly Stoever:more. Yes. Public speaking engagements.
Charly Stoever:And I actually, I'm coordinating with the local library in
Charly Stoever:Seattle. Um, in the Seattle area, they're
Charly Stoever:paying me 300 bucks to do a class that I proposed
Charly Stoever:with just over email. We didn't have like a fancy meeting or anything.
Charly Stoever:I was just like, I want to teach people about how to financially
Charly Stoever:prep to buy a home. And they're like, okay,
Charly Stoever:cool. How much you charge? And I was like, I charge way more than this for the
Charly Stoever:corporations, but for the libraries. I love
Charly Stoever:libraries. Like, I charge. I charge $5,000
Charly Stoever:for a one minute reel for the corporations, but for the libraries,
Charly Stoever:Like, I love libraries. So yeah, pay me 300 bucks. That's
Charly Stoever:fine. It's like the price of my
Charly Stoever:one hour money makeover call. It's fine because I'm trying to
Charly Stoever:get into the practice of public speaking and I'm looking
Charly Stoever:into hiring a videographer who will film me
Charly Stoever:so I can make my speaker real and actually start pitching myself.
Charly Stoever:Because if I don't have the real to show that I speak,
Charly Stoever:how can I pitch myself too? So that's something that I'm excited
Charly Stoever:to currently be working on in 2025. Getting
Charly Stoever:booked and paid to
Charly Stoever:speak.
Anthony Weaver:There we go. I love that. And
Anthony Weaver:you're very, uh, I guess you could say not
Anthony Weaver:just throwing it out there, but you throwing it out there with
Anthony Weaver:a little bit more detail of just like, yeah, I want to speak,
Anthony Weaver:but I want to get paid too.
Charly Stoever:I did that last year and it did not work out. Like, you have to make
Charly Stoever:actions like manifestations cool, but
Charly Stoever:you got to like, take action.
Anthony Weaver:Yes. Uh, one of your catchphrases I
Anthony Weaver:thought was actually pretty cool, which was make
Anthony Weaver:money. Your your
Anthony Weaver:bitch. Yeah, there we go.
Charly Stoever:I can catch on this podcast, right? You're like, yeah, I
Charly Stoever:don't catch, but you can. I was like, okay, cool.
Anthony Weaver:Because, like, I want to, uh, do a deeper dive
Anthony Weaver:into that just before we go to the final four. Because
Anthony Weaver:what is the whole purpose of that particular phrase,
Anthony Weaver:where did that come from?
Charly Stoever:Because I saw so many people when I was starting my business,
Charly Stoever:when Covid was hitting, people were afraid to talk about money,
Charly Stoever:but there was still such collective grief and
Charly Stoever:fear, especially seeing people
Charly Stoever:wipe out years of savings from their
Charly Stoever:401ks and selling out of the wrong accounts and
Charly Stoever:just pulling everything out of the stock market when they saw
Charly Stoever:red because they didn't understand what was going on, when in
Charly Stoever:reality, they could have just held for a month or two
Charly Stoever:and their money would have doubled. And there
Charly Stoever:was a lot of pain and grief and fear talking about money. Especially
Charly Stoever:in the queer community. Us queers, we love
Charly Stoever:being anti, uh, capitalist. But you also
Charly Stoever:got to be realist. And I think that that's a big pain point
Charly Stoever:for a lot of queer folks. We're queer. We do things
Charly Stoever:differently. And we don't like
Charly Stoever:hoarding wealth. We don't like the idea of billionaires. But,
Charly Stoever:like, we also, like I keep saying, especially if you're strange from
Charly Stoever:family, like me, as a trans person, you got to take care of
Charly Stoever:yourself. And to do that, you need money. And so that's why
Charly Stoever:I coined that term of let's make money your
Charly Stoever:instead of the other way around. Because that was the vibe that
Charly Stoever:I was getting for a lot of people in my community.
Charly Stoever:Like, let's talk about it. Get that whip out. We
Charly Stoever:can dominate your money and be happy to watch your
Charly Stoever:net worth grow.
Anthony Weaver:Yeah. Um, because when you say dominate your money, I thought of,
Anthony Weaver:like, fin dumps, and I was like, oh, uh, that's nice.
Charly Stoever:Yes. Mask
Charly Stoever:doms. Non binary doms. Uh, we love it.
Charly Stoever:I want. I need a fem dom in my life because I'm tired of telling everybody what
Charly Stoever:to do. So, um, I'm single if you're in the Seattle
Charly Stoever:area or where are you? Are
Charly Stoever:you? Where are you?
Anthony Weaver:This is Maryland. M. But I do have a lot of people that listen
Anthony Weaver:across the United States.
Charly Stoever:Okay, good. I love D.C. as well, so
Charly Stoever:I don't want to do long distance. I have 10 years of that as
Charly Stoever:a digital nomad. No,
Charly Stoever:maybe you're Maryland. I have a hot twin in Seattle. Like,
Charly Stoever:hit me up.
Anthony Weaver:I mean, hey, I mean, whoever's
Anthony Weaver:listening, they might be able to travel. Like, you know what? I like to
Anthony Weaver:travel, too. I'm just here, Maryland, for a hot second, you
Anthony Weaver:know.
Charly Stoever:Come on out. I'll show you all the green
Charly Stoever:spaces in Seattle. Be a good
Charly Stoever:time.
Anthony Weaver:You're killing me.
Charly Stoever:Coming to my wedding. Just saying,
Charly Stoever:if you find somebody for me.
Anthony Weaver:Okay, I got you.
Anthony Weaver:All right, you ready? For the final four questions?
Charly Stoever:Yes.
Anthony Weaver:All right,
Anthony Weaver:number one, what does wealth mean
Anthony Weaver:to you?
Charly Stoever:Wealth means options
Charly Stoever:and self care. Especially with the
Charly Stoever:selection just this week, the fact that I
Charly Stoever:help people build wealth and make money. There, bitch. I
Charly Stoever:realize my work is more important than ever. Just this
Charly Stoever:week, I've gotten five massages because
Charly Stoever:I've been so stressed out and I would not have been able to do that
Charly Stoever:if I didn't have money, if I didn't know where to
Charly Stoever:pull the money from, uh, and make that work and
Charly Stoever:take care of myself so that I can keep showing up for my
Charly Stoever:community. And yeah, money has allowed
Charly Stoever:me to also cook way less. That was a big takeaway from Fin
Charly Stoever:con when, uh, I talked to Rachel Rogers,
Charly Stoever:who was one of the keynote speakers. She's like, y'all need to
Charly Stoever:outsource more because you're doing these basic tasks like the
Charly Stoever:laundry and cleaning when you should really be showing up on
Charly Stoever:podcasts. And, uh, I told her when I got
Charly Stoever:coached, I was like, I feel like I should cook because I don't have kids.
Charly Stoever:I don't have a family to take care of. I have all this time, but I'm still drained cooking.
Charly Stoever:And she's like, outsourced. And so I bought more pre
Charly Stoever:made meals this week than I ever have in my life. And I have seen
Charly Stoever:the difference, um, not having to
Charly Stoever:spend so much time cooking and just getting
Charly Stoever:back to business, but also resting like clockwork after a long
Charly Stoever:day. I'm like, all right, time to go get a massage. I'm not
Charly Stoever:thinking about it as much because especially as a single person, you
Charly Stoever:got to make all the decisions. I don't have kids and stuff, but
Charly Stoever:I also don't have a partner that can, like, cook me dinner or tag
Charly Stoever:team with too. So as a single person,
Charly Stoever:money helps me make, um, less
Charly Stoever:decisions. I can rest and be in my zone of genius.
Charly Stoever:So I love wealth building.
Anthony Weaver:Love it. Number two, what was your
Anthony Weaver:worst money mistake?
Charly Stoever:Buying so many shares of Sorrento
Charly Stoever:Therapeutics, which was popping in
Charly Stoever:2020 when all the bros were were
Charly Stoever:buying it. When I was a stock broker, I was like, what is the
Charly Stoever:Sorento? Okay, it sounds like pasta,
Charly Stoever:but I was day trading it too, and I made
Charly Stoever:a few hundred bucks here and there was cute, but then I held
Charly Stoever:onto it for way too long, thinking it was going to help me
Charly Stoever:make money forever. And, um, it went
Charly Stoever:bankrupt. And I've lost, like, thousands of
Charly Stoever:dollars. Last year, just alone, I made a
Charly Stoever:$5,000 stock sale where I lost
Charly Stoever:that money because I got greedy and held Onto it for
Charly Stoever:way too long and I had no business investing in it. So
Charly Stoever:even as a stockbroker, you can make mistakes. Which is why I
Charly Stoever:share my mistakes and losses with my clients
Charly Stoever:too. Sometimes you got to pay the cost of market tuition,
Charly Stoever:but now I know to buy low cost index funds.
Charly Stoever:Maybe some Apple companies I've
Charly Stoever:actually used and heard of instead of
Charly Stoever:Sorrento and move on and mind
Charly Stoever:my own business and spend my time money coaching and
Charly Stoever:doing something more fulfilling.
Anthony Weaver:So.
Charly Stoever:So it's okay to make mistakes.
Anthony Weaver:Love it. Number three,
Anthony Weaver:what book got you back into reading?
Charly Stoever:What book got me back into reading?
Charly Stoever:Um,
Charly Stoever:there. It has nothing to do with money
Charly Stoever:because when I read books, I try not to read too many books about money
Charly Stoever:because that's like my world all day I'm in it. And
Charly Stoever:so I'm more of like a very creative person. And I just
Charly Stoever:read a book called World of Wonders.
Charly Stoever:I like reading about nature too. My inner child
Charly Stoever:loves nature. As a kid I used to go out in the
Charly Stoever:fields and like hunt ladybugs and draw them.
Charly Stoever:And um, that was a book that really. It's a
Charly Stoever:good storytelling book where she'll come up with like
Charly Stoever:an animal or a plant and tie it back to her childhood and how it was
Charly Stoever:significant for her. And I feel like that's something
Charly Stoever:that I could see myself doing. And I love the
Charly Stoever:COVID art too. So that book's helped me get
Charly Stoever:back into reading.
Anthony Weaver:Love it. Number four,
Anthony Weaver:what is your favorite dish to make?
Charly Stoever:I'm like, overcooking now that
Charly Stoever:I've been going to Trader Joe's and buying all these pre made
Charly Stoever:meals. I know how to cook, but I don't want
Charly Stoever:to. So I think I'm more of, um,
Charly Stoever:yesterday I made some cauliflower
Charly Stoever:gnocchi with some, um,
Charly Stoever:kale and pasta.
Charly Stoever:Um, yeah, pasta is easy to
Charly Stoever:make. I don't know why I keep thinking of enchiladas.
Charly Stoever:I never fucking make enchiladas. I think in theory I would
Charly Stoever:love to make enchiladas
Charly Stoever:because it sounds easy. We'll just go with
Charly Stoever:that.
Anthony Weaver:Like drizzling salsa with some tortillas shells. Yeah, yeah,
Anthony Weaver:yeah, yeah.
Charly Stoever:Stick it in the oven, let it cook itself.
Anthony Weaver:Uh, the last question of the show, which is where
Anthony Weaver:could people find out more about you?
Charly Stoever:Yeah, come find me at, uh, Traveler. Charlie
Charly Stoever:with a Y. I'm mostly on Instagram. I
Charly Stoever:repurpose myself and put it on TikTok too. But find me on
Charly Stoever:Instagram and also have a
Charly Stoever:mailing list and a mailing list series called
Charly Stoever:Roth Freak Fridays, where every
Charly Stoever:Friday I drop money gems about
Charly Stoever:retirement accounts, particular Roth 401ks
Charly Stoever:Roth IRAs. And I have a blog called
Charly Stoever:Unicorn Millionaire. And last but not least, my
Charly Stoever:podcast is called the Unicorn Millionaire
Charly Stoever:Podcast. And I just celebrating releasing
Charly Stoever:103 episodes and 5k
Charly Stoever:downloads. It's just. Thank you about half as much
Charly Stoever:as you, but like, most people don't make it past six
Charly Stoever:episodes, y'all gotta celebrate these
Charly Stoever:wins. Um, shout out to Anthony for having over 200
Charly Stoever:episodes released. That's a huge fucking deal.
Anthony Weaver:Thank you. All right, well, I
Anthony Weaver:mean, it's been a pleasure. I would love to have you on
Anthony Weaver:to kind of find out more about your adventures and so
Anthony Weaver:forth. And guys, if you guys are listening to this and just
Anthony Weaver:want to have, um, have them
Anthony Weaver:on again, let's go on and make this happen.
Anthony Weaver:Because, yes, learn more about this
Anthony Weaver:investment investing side of the house as well
Anthony Weaver:as quitting a 9 to 5. This is something
Anthony Weaver:that a lot of people would like to do. And if that's
Anthony Weaver:you, let's talk about it.
Charly Stoever:Yeah.
Anthony Weaver:So, Charlie,
Anthony Weaver:it's been a pleasure. I can't wait to catch
Anthony Weaver:up with you again. And thank you so much for coming on the
Anthony Weaver:show and everybody, thank you so much. We
Anthony Weaver:out. Peace.
Charly Stoever:Peace.
Charly Stoever:This is so much fun.