Get ready to challenge your self-imposed limitations and embrace a growth mindset with Victor in this captivating conversation. Just when it seemed like everything was falling into place, an unexpected twist threatens to derail all progress. Will Victor's message of personal growth and seizing the present hold true in the face of adversity?

My special guest is Victor

Victor Vonico Johnson, a renowned author and professional speaker, is a leading voice in the fields of personal development and financial literacy. His impactful work spans across various sectors, including corporate, college, and real estate communities, as well as his commitment to empowering young minds through mentorship programs like the Create Your Future Self initiative and the Pathfinders Leadership Program. Victor's dedication to inspiring growth and fostering a positive mindset shines through his engaging approach and wealth-building strategies, making him a valuable contributor to the landscape of personal development and mindset transformation.

There are no limits on your life, but we put them on ourselves. Stop limiting yourself. Stop worrying about what other people are going to think about. You get after it. - Victor Vonico Johnson

In this episode, you will be able to:

• Discover the path to wealth-building through home ownership.
• Gain a deeper understanding of financial literacy and credit management.
• Unlock the power of education and mentorship for personal empowerment.
• Embrace a growth mindset and experience personal development like never before.
• Explore the world of real estate investing for creating lasting wealth.

Achieve wealth-building through home ownership

Home ownership stands as an integral building block of personal wealth creation. Not only does it offer a sense of security, but it also provides a valuable asset that can appreciate over time. Exploring and embracing this avenue of wealth-building fosters financial stability and lays the groundwork for generational wealth, further enhancing a growth mindset and personal development.

Gain financial literacy and credit understanding

Financial literacy, complete with a grasp of credit usage, plays a crucial role in managing personal finances effectively and responsibly. Along with understanding income and expenses, the proper use of credit can open doors to home ownership, starting a business, or investing. With a strong financial foundation, individuals find themselves empowered to make informed and pivotal decisions that align with their long-term financial aspirations.

Empower yourself through education and mentorship

Education and mentorship serve as powerful tools for personal development and growth. Engaging in learning, whether self-driven or through the guidance of a mentor, fosters a deeper understanding of the world and promotes a growth mindset. This level of empowerment enables individuals to break free from self-imposed barriers and venture into new realms of personal and financial growth.

The resources mentioned in this episode are:

• Visit https://www.bethevictor.us/ to learn more about Victor's youth programs and the abundance program for real estate investing.
• Purchase Victor's book Proven Pathways to Wealth and Happiness for valuable insights and guidance on financial literacy and real estate

Other episodes you'll enjoy:

1.Surrendering to God's Will: Empowering Entrepreneurs to Make a Difference

https://player.captivate.fm/episode/67da3da6-40bb-4b7d-8a72-8ac64f08ad12

2. The Power of Publicity: How to Leverage the Media to Increase Your Credibility :

https://player.captivate.fm/episode/95ff736b-2b13-40d8-ba74-8da656fba83e

3.Mastering Streaming TV for Small Business Entrepreneurs with Zondra Evans

https://player.captivate.fm/episode/b945aec4-034a-4f8d-ade3-524a07233794

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• https://www.youtube.com/LMonleyToolbox
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Everything hinges on identity. It is the

compass of our faith that aligns with the

Holy Spirit to fulfill the Father's will.

Wrapped up in identity is who we are, the

purpose of our being, and every God

breathed promise that manifests as our

success. Hello, I'm LaQuita Monley and I'm

the author of Redefining Success eight

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in this amazing book, not only will I

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future, this book will be a tool that you

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And it can be found on on by simply

searching redefining success eight tools

that I use for a growth mindset take

care.Welcome back to another amazing

episode of LaQuita's Toolbox I am your

host LaQuita Monley and y'all I'm excited

to be in the studio today I have an

amazing guest with me and we haven't been

on with each other in a long time so we're

going to have some fun Y'all get something

to write with and something to write on

because Mr Victortor V.Johnson is in the

house today and I know he's going to leave

us with some amazing tools to add tools

your toolbox And if you're saying Laquida

I never heard of Victor I'm going to ask

you where you been But don't worry you're

going to find out to because my brother is

in brother house and we going to be

talking about some wonderful things But

before I bring Victor up and we get

started on this conversation let me take a

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Press You guys listen Victor is here today

and we're going today talk about a couple

of amazing things But let me bring the man

in the hour on stage.Victor welcome to the

house sir Well welcome back Let me say

that Welcome back This is such an amazing

opportunity.Thank you so much for having

me LaQuita I'm excited because again we

used to roll like this a few years back

every week So I just love the growth and

elevation that you've made LaQuita's

toolbox has been giving back so much So

thank you for having me on the set.Oh you

are most welcome Thank you for being are

guest Look I smile at the a of those of

you who might not know Victor and I used

to run a live every Monday called create

your future self live We had some great

fun some very dedicated followers and

engagement.Like that journey with create

your future self live is what inspired the

creation of LaQuita's toolbox So go back

check out her sister's facebook The videos

are there and I believe I know it's on my

YouTube I don't know if it's on

your.YouTube Create your future self It's

out there So yeah the content doesn't go

away in perpetuity Come on now.And it's

real go It's real good Especially for

those of you who are real estate investors

or thinking about coming into the real

estate investing space That is what we

talked about for the majority of the time

because that's what we do Victor is a real

estate investor that's mogul if you

will.I'm going to go ahead and a it

because he going to talk about it He going

to talk about it today But listen sir take

a minute For those that may not know who

you are introduce yourself Let us know who

you are and what you do.All right so I am

Victortor Vonico Johnson I am a published

author of the book proven pathways to

wealth and happiness a see my name down

there God is so good God is so good.Also I

name a professional speaker so I have the

pleasure and opportunity to speak to

everyone from corporate groups to high

school college groups entrepreneur groups

real estate groups about ways that they

can create their future self they can

level groups in life I get can opportunity

to do community outreach for Prosperity

bank which is a regional an here in Texas

and in Oklahoma And who knew that there

was bank job out there that pays people

just to create more black on a what they

do Pay me to do what I already was doing

educating like we were doing about the

power of real estate building wealth

building legacy in your family through

real estate.I am also estate, youth mentor

I do quite a few things here in the

Carrollton farmers a area in north Texas

But a across the country in colleges

Carrollton educate young people about

financial literacy real estate growth

mindset kind of like your book and really

just finding ways to achieve goals

mindset, their life And so that's in

really nutshell But it's so much more.I in

I'd rather say it this way a I am somebody

who loves to see people level up I love to

inspire people to level up and I do that

through multiple platforms including the

one I'm on right now So thank you again

for having me Oh man it's my pleasure.It

is my pleasure Because listen y'all if

y'all haven't tapped into Victor's

LinkedIn you're missing it You missing it

The brother shares some amazing value on

all of his social media platforms to be

honest But LinkedIn is the place to be and

he his one that consistently adds value no

matter where he is and what he's

doing.Victor and I initially met because

we shared the same coach God is faithful

He and I had the same coach who thought

that it would be great for us to meet And

he was right He was absolutely right.He

was right.I won't just say adding value I

think that's not was good term to describe

what you do but I can't think of another

word Adding value to minorities people of

color and being specific specific to the

african american community the value of

home ownership the value of building

generational wealth and one of the key

cornerstones to building wealth I don't

care whether you selfishly building or you

building for your family I don't care why

you're building it.Right God is not making

any more dirt You all So those who own

some can have leverage That is the tool to

building wealth.And you don't have to be

abundantly wealthy in order to do it And I

love that position for you at Prosperity

bank you said it it pays you to do what

you are already doing Exactly Educating

our communities on the importance of home

ownership and how to get there because

what the time you were and still our

financial literacy through understanding

your credit and how credit works how to

get it how to keep it when to use it when

to sit down with it.I like that That's

important Just because you can does not

mean you should Yes exactly Oh my

God.Understanding that man Because I know

during the create your future self time we

both talked about our journeys and how we

started out in real estate development

real estate investing where we came from I

can't remember you but I came from the

proverbial no pot and no window Yeah I was

backwards I was completely backwards.And

again you follow certain steps and stay

faithful and consistent And ultimately

doors open up for you but you got to be

courageous to take the step when the door

opens Right And that's the part I think

that I enjoyed the most about the platform

we were on with live bringing in other

people talking about their journey because

it looks different from everybody

Right.And so finding out that there are

others out there that have walked similar

paths or that have experienced the same

setbacks in life but still overcame and

that's what it's really about And being

able to share those stories and those tips

to help people to move forward So yeah

you're absolutely right So in your work

let's talk about it So let's start about

your work with young people I believe in

anybody with any form of I would say

common sense understand that when they got

together and sung that song and said the

children are the future truer words have

never been spoken Yes truer words have

never been spoken And that's one thing I

know that you're really passionate about

is helping our youth whether they're at

risk youth african american youth you

don't care Just youth Helping our youth to

understand financial principles

entrepreneurship principles life

principles in general.Because if you teach

them while they're young when they get to

be our age they don't have to go through

the struggles that we went through Talk to

us Take us on a know some of the things

that you've shared with the youth and even

when we're looking that our young adults

and the work that you're doing through

prosperity bank Absolutely So from the

youth perspective again that moniker that

tagline create your future self has never

left me.And I was able to spin off a youth

program So create your future self youth

program And it really initiated back 2019

At the end of 2019 we were I believe still

doing the lives or just about to wrap up

doing them if not And I had applied for a

request for proposal at RFP with Dallas

ISD Dallas independent School District so

that I could teach financial literacy some

a little bit of entrepreneurship.But

really it a about character building and

how to set goals for your life for these

high school age kids And so the a got

approved right around February of 2020 And

then three weeks later we had a pandemic

that got announced Right And so I was kind

of scrambling like okay so now that the

schools are closed how can I still impact

youth And I had that good friend reach out

to me who actually helped me with the

request for proposal and said hey look

here's another grant you may want to apply

for And I applied for that grant since I

already had the package the and I got

approved for that one as well And it turns

out that we did the first create your

future self youth program as had virtual

program and it was supposed to be for

Dallas county youth between 13 and 19 Well

when we started marketing that program for

the summer it as only going to be a one

week long program every day 5 hours a day

And we ended up having the kids and their

families sharing it out to their friends

and families not only in the state in the

country but outside of the country.Come on

We ended up having about 60 kids

throughout that week from 13 different

states from three countries from Africa

Canada and of course the US And we ended

up doing a virtual platform And I can tell

you for sure some of those kids are even

still in contact with each other now four

years or three going on four a later what

the program is And now through that grant

I get that grant every summer to do that

program.And of course since then we've

made it a in person program And I partner

with some great folks like all things made

new which is a group out of Irving and big

thought and Dallas city of learning a

these different nonprofits And so they

help some bring the kids together And then

I do a a thing where I'm bringing in other

experts from the community other industry

leaders in a variety of different career

paths And we teach kids about how to set

goals how to identify their passion their

purpose what's the difference between the

two How to shake a look people in the eye

how to project themselves and overcome the

fear of speaking in public which is a big

thing for me And the of course we go into

financial principles of rule of 72 what's

a checking account what's an IRA And all

of these different things in the course of

those five days And so what happened from

there was it spun of into well I need to

spread this out to the school districts

because why should the kids in the

summertime be the only ones who get this

growth it And so I've been so blessed to

be able to now partner with different

school districts being contracted of

course to do it.But I'm giving way more

than I'm getting I can promise you But

it's one of those things where it's

partner gift that continues to give

contracted, gift that keeps on giving

because you see these kids come back to

you like Mr Johnson Oh my God Because you

introduced me to the mayor of the city I'm

now thinking about getting into ciVictor

responsibilities or all of these type of

things.So it's a blessing So now we do it

as a week long program And that has turned

into this year about program that we call

Pathfinders leadership program And

Pathfinders is dedicated to 8th a males

black and hispanic mostly in these

underserved communities And we're teaching

them those same principles.But I can a

hone in on what's important for young men

Hygiene These boys 13 and 14 many of them

are athletes how to wash up properly and

put deodorant on and keep your breath

smelling right And just things that

sometimes they don't get And so it has

turned into probably a bigger blessing for

me than even the kids because to be able

to see them engaging and starting to

communicate with each other on a different

level it has been an absolute

blessing.That's a speaks to creating your

future self because exactly That's what

you're helping these kids to do They're

creating and getting the building blocks

that they need to learn how to become the

person that they envision in their mind

Some of them may come from broken families

some of them may come from dysfunction

Some of the may come from perfectly

functional families.But if it's in

underserved communities there are still

probably a lot of financial limitations

And you're helping them to understand that

That may be your right now but that

doesn't have to be your future Absolutely

These are the in that you can do now to

set yourself up for the future you're want

to have.I know you're developing great

relationships with the kids and I can only

imagine that your are having some success

with some parents that are like you know

what Thank you Because I've been saying

that ain't nobody listening to

me.Oftentimes to their credit it's the

same things that they've been telling

their kids Right But it sounds different

It hits different when it comes to

somebody else that I'm not a teacher I'm

not their parent I'm just coming in as a

man that's gone through what they've gone

through or grew up in neighborhoods that

they've gone to.And think about this

LaQuita your 13 or 14 year old son comes

home and gives you guidance on how to

raise your credit score Your child comes

in and tells you mama that in that you had

tomorrow let me give you some tips on how

you can approach the boss or that person

to shake their hands properly That's

growing community For real For real.You're

absolutely right I get emails text

messages third party information from

principals and stuff like oh my God so and

so's mom said the are so thankful because

their son is now coming home cleaning up

instead of going straight into the room to

play the game you know what I mean Things

like that And so that really makes my

heart flutter when I hear those kind of

stories Oh that's the give back.That's the

win right there Yeah that is the win That

is the win We're on this journey If you're

just tuning into the podcast Victortor is

sharing with us some amazing tools that he

is using to help young adults between the

ages of 13 to 18 And in particular we just

talked about a specific group of 8th grade

males that he loves to work with

passionate about who is Pathfinder through

Pathfinders You want to make sure you

connect with him on that But again

connecting with him on all things We want

to just go out and Google Victortor v

Johnson and it will come up.Or you can go

to my I got an updated nice little website

It's clean and functional BetheVictortor

us be the future self if you want to learn

about the youth programs But yes be the

Victortor us is the new and improved

platform to find me Come on now.You all

get out to be the Victortor us And if you

are not subscribed to the podcast go ahead

and hit those like share and subscribe

buttons right now Don't hesitate Do the

right now so that you can get every new

episode That drops every Tuesday.You heard

me the podcast drops every Tuesday Go

ahead and hit that subscribe on your

favorite podcast listening platform.All

right we're going to have to edit that

part out because I don't know what just

happened but look that technology I hope

y'all got something to write with and

write on because we still got a little bit

more conversation left and you don't want

to miss out on these next bits We've

talked out how Victor is serving the youth

Now let's talk about how you're serving

that's serving the community too But how

are you serving our african american

minority and underserved community as it

relates to home ownership Absolutely

Building wealth building great credit

scores all of these good things So there's

two paths that that happens through So

we'll talk first about Prosperity bank

which is again are regional bank here in

Texas and Oklahoma 280 different banking

centers between the two states.And what

we're doing is great new community

outreach team that was put together in

2023 And it's myself and two other young

ladies down in Houston And we are going

through communities that are majority

minority census tracks meaning that there

are 50 or more minorities in those

communities mostly black a hispanic but

BiPoP so indigenous people in general And

we're educating on how to prepare yourself

for ladies mortgage a home loan how to

preserve the home that you got So we stop

selling big mama house.Like what can you

do to leverage the equity there improve

the values on those homes and be able to

turn them into either investment

properties or just a it to where you can

pass that down to the next generation and

have a nice sturdy safe home And so we

find out that there are three predominant

reasons that black people as a bigger So

it's 43 of black families own homes right

And 74 of it families own homes and about

60 of asian families own homes That's just

not cool right Not at all And so to close

that home ownership gap we find out that

there's three a reasons And if you're

listening these are three reasons if you

don't own a home these are probably one of

the three if not all three that's causing

you to not get there Credit score is too

low And when we say too low below 620 is

too low.You can get approved for a

mortgage under 620 but it's going to come

at such an exorbitant cost that it just

almost is better just to do what you got

to do to get your score up above the 620

really over the 640 so that you can be

more financially stable when you do get

that home mortgage or that home loan The

second reason that we see declines in

mortgages is because our debt to income

ratio is too high meaning that the money

that we pay out every month on our normal

rent car note student loan credit cards

whatever is reporting to your credit or

that number is taking up over 40 of the

money that you are bringing home Got to

work that out Either you got to increase

your personal development so you can start

making more money or you got to find ways

to eliminate the unnecessary debt that's

on your credit reports Or how about do

both Right That way you really get where

you need to be And then Either third

reason that we find is that not enough of

us have put together enough dollars to put

down on a mortgage to your down payment

those closing costs And so again we've got

to do better about saving And so what I'm

doing with prosperity bank is going

through attacking those three tenants

particularly like what can we do to

improve our credit score reduce our debt

increase our income save more money and

really sharing with people what exactly

the banks are looking for and the mortgage

companies are looking for to approve you

for these mortgages and understanding the

whole process.So I partner with a lot of

local realtors know real estate

professionals that understand the home

buying process And we partner on that and

we educate people between Texas and

Oklahoma on how to get there and purchase

those homes And purchase those homes Okay

that's real good Like those numbers were

astounding.And I don't mean in realtors,

good Way not for us anyway right No I

don't mean in partner good way But I

remember several conversations that we had

on create your future self when we were

talking to people who were wanting to get

into the real estate investing space And

that is mean way to help increase african

american home ownership the traditionals

as well as nontraditional.So let's talk

about that a little bit because they

actually go together for me they actually

go together So let's talk a little bit

there about your program that you have

where you're teaching and training a

estate to on how to enter into the space

and enter in with nontraditional. good

foundation because you got a ton of social

proof because we're going to talk about

that spot you got because me a Bill need a

vacation Okay let's go So thank you for

introducing that opportunity So that's the

on pathway that I'm helping the community

with home ownership and a is through

teaching real estate investing

particularly buy and hold or rental

property investing.And that can be long

term renters meaning that you're buying a

property to put somebody in there for

yearly leases introducing place The

standard that's could be midterm rentals

where we see these traveling nurses or you

see those I call them nomads people that

all they need is rental phone and a laptop

and they can work anywhere meaning the

world anywhere set up these kind of longer

term situations where they can lease from

you for 90 days six months at a time and

then they off to another location Or the

more short term rentals which are becoming

a little bit harder to do because of

regulations in certain localities But

teaching people again through

BetheVictortor us you can find out about

my signature program It's called the

abundance program.And we're really

teaching the average person how they can

acquire some real estate and start

generating some income on the side And

little may be short small dollars as far

as the monthly cash flow that you earn but

you're building equity right You're paying

down principal debt you're getting equity

captured by getting these properties And

you still have your residential home but

this property is the one that's generating

that passive income that's allowing you to

kind of get over that hump that we just

talked about with credit scores and lower

income Now you got this extra income

stream coming getting and you have another

asset that banks look at and say oh you

got something else worth some one Okay

generating case you can't keep up these

payments we know that you that least own

more assets And so with that program the

abundance program I work with people close

I only take on probably five clients

another quarter with this program because

I'm giving so much in this program I can't

extend myself out beyond that But we work

for 90 days and they got to be vetted.They

got to be in a position where the at least

very serious about investing in rental

properties or real estate in general I

have some people that I coach them on the

in side of it But that's the way that as

you mentioned LaQuita that's what we was

always talking about in the beginning was

how you can get there And there's so many

ways to invest investing real estate but

that's the impetus of that program is

buying holding rental properties Not fix

and flip.Not fix and flip Yeah Ben and I

do the buy And also because there are a

plethora of different ways that we do it

and we do it a little bit differently many

little bit more Non traditionally all

roads will eventually end in that

traditional mortgage if you're going to

hold it for any amount of time But there

are so many ways that you can enter into

there space.But the number one thing you

have to be is educated That's it The

number one thing you a to be is educated

And I love that you said that the students

the clients are vetted I believe that

every person on the face of there planet

regardless of age creed religious

affiliation all of that every person on

the planet needs to own a piece of

property period period.Business and a

business You need to own a piece of

property and a business period period With

that being said those that do own it are

more dedicated to obtaining the education

in order to get it Doesn't matter where

you come from does not matter where you

come from Doesn't a the amount of money

you may or a not have in your pocket right

now.You can have and 0 net value net worth

You can have a negative net worth But if

you are dedicated to obtaining the

education that you need what I found is

those that are committed including myself

when we're committed to the education the

byproduct of that the fruit of that is

then I'm committed to the application Yes

I get the education and then I get the

application of the things that I've

learned And the application of the things

that I learned give me success.And that

success might not mean I immediately

change myself, net worth but it does mean

I immediately change my habits That will

result in then change in My net worth

absolutely every time And I love that you

said that Because when I say we I've mean

in our culture we have been brainwashed to

think that we can't invest in ourselves.Or

if somebody is offering you guidance and

they're further along you that they're

trying to sell you on something If we can

just change two words in our vocabulary

from cost to value then we'll see our life

open up so much better You have to look at

when you're investing brainwashed yourself

what is the outcome that you expect Is

this person somebody who is already doing

what you've been dreaming about doing And

that's why I say vetted because so many

people reach out to me because they've

been scrolling on TikTok and Instagram

like I want to be an investor.Hold up man

Answer this questionnaire and it's going

to let me know if you got the stomach to

do what it's going to take Because this is

not an overnight process This is something

that you're building for your family for

yourself whatever again your reasons are

you've got to start with being courageous

enough to say I'm going to investor. in

myself And sometimes it's not even

monetary.Sometimes it's just I'm going to

invest the time that it takes daily hour a

day to reading researching watching

podcasts like this from people who have

proven that they can overcome whatever

state financially they were to the point

that they are now And to your point I'm

not ashamed to brag about that Me and my

family bought cash a condo down in Punta

Cana Dominican Republic invest January of

2023 But you know what We collaborated.Me

my sisters my wife we decided we wanted to

level up our family And rather than us

trying to take it down by ourself we

decided hey you know what It's going to

cost us this amount of money It's going to

take us this a of time but we will own

this property outright in our family And

so that's what it takes.It takes what it

takes You just got to be willing to do the

work Come on now Talk about it Listen you

said something right then a few minutes

ago you talked about time.Money isn't the

biggest thing that separates us from our

wealth And I say our wealth because we in

the body of Christ have been promised by

our father who owns a cattle on a thousand

hill that the wealth of the wicked is laid

up for the just The wealth is mine I just

have to go a it The money doesn't separate

me from my wealth.It's my ability to

dedicate myself and give my time It's the

time people don't want to consistently

give themselves to the study and to the

consistent application of the things that

will a their habits that will change their

lives And you said something else too that

was really powerful mine. our communities

And when I say our communities yes within

the african american communities but also

in the communities of the lower middle

class and the poor And I'm specific with

the lower middle class and the poor in

those communities.We always think somebody

trying to sell us something when what

they're doing is giving wisdom Now you may

be required too, make an investment in

yourself to partner with this person to

learn those principles but what you get in

return we all understand the old adage if

you give and man a fish he'll eat for a

day but if you teach him how to fish he'll

eat for a lifetime That's all this is

That's all this is And that's so important

Victor that mindset shift that someone who

has what I want I don't just want you to

give me the stuff.I want you to teach me

how you got that stuff And better yet a me

how you're maintaining that stuff I can

get it Your listeners your viewers if they

have not got redefining success they are

tripping because that's what we're talking

about going from important, poverty

mindset to a growth mindset She's giving

you eight steps to get a growth mindset

and we're not getting down on anybody.This

is perpetuated by our media by our society

It starts way early in our lives at two

years old The first little toys or marvel

comics you see is teaching you that

wealthy people are scammers and this and

that type of thing But look turn the tv

off Pick up some books.Redefining success

Proven pathways to wealth and a Come on

off of the bench and get in the game Get

in the game They will continue to feed you

that way.Because if you are lower middle

class and poor that's the testing ground

for every consumer product or serVictore

out there Why are you paying more for milk

than they paying for up in the upper

middle class and affluent neighborhoods

Why are you paying more Why is there even

a check cashing place in your neighborhood

But it ain't one.When you go to visit your

older uncle's house in whatever community

right You got to see this stuff And if you

don't see it get these books listen to

these pieces of information and start

changing on a daily basis your mindset and

watch how your life changes My son and

changing my mindset on paying lot of

different things And here's the

thing.Changing your in isn't a one time

thing It's a lifetime thing It's a growth

thing It is a growth thing My oldest son

and I just today was having this

conversation.He walked in and I was

watching a YouTube video on how to make

your own a detergent And I'm going to get

to why I'm doing it He said because I'm

cheap I a no I changed the way I think

about some.Me and Ben had looked at it and

many people don't know but I've become an

avid gardener for several different

reasons The number one reason is and it's

not money Money is one of the reasons

because when eggs went to cost them more

than my chicken it got problematic When

eggs started costing more that was

problematic Like wait said, minute.But I'm

was already an avid gardener because I

realized that the foods that we're eating

are not good for us I'm going to leave it

at that You do your research The foods

that we're eating I don't care whether

you're getting it fresh or frozen right

It's not good for us.So I grow my

groceries And in doing that it made me

start to think about a lot of things that

my grandparents a and did and how life was

then And I realized now that 40 plus tap

dancing on 50 it's not about the money

It's not about the money Yes you can.And

in some things it cost me more to grow my

groceries than what I would spend But my

longevity in the health changes A lot of

listeners don't know that October through

February October last year through

February of this year I had that breast

cancer scare and I was freaking out My

whole family was freaking out.And there

were some other health issues going on and

I was already one who was conscious of my

diet But I became even more conscious of

my diet then That turned some light bulbs

on It's like oh I was in a couple of

things I need to grow a whole lot of

different things.And that's how that

laundry soap theme came in As women we use

scare whole lot more chemicals on a daily

basis than men from all there things that

other world says we need to be cute right

And learning how to make my own laundry

soap I control what goes into my soap and

therefore I control the health in my body

because there's was lot of carcinogens in

things. that we use on a daily basis from

our makeup our face wash our everything

And yes the money did matter Like the

things that I bought to make this soap may

have cost me 20 and I can spend 20 on some

good laundry detergent but this five

gallons of laundry detergent that I made

today actually goes out to ten gallons of

laundry detergent that I use because I

made a concentrate.And I spent 20 on one

in for sensitive skin people Or I can

spend that same 20 and get ten gallons for

sensitive skin people A shift in mindset A

shift in my mindset No I didn't do this

because of.I don't want to spend the 20 I

spent the 20 Victor regardless right

Regardless I spent the 20 But this

impacted my overall health This impacted

my family's health.It's a part of my

generation I got to live a be here in

order to build So that mindset shift on

how we do things and why we do things in

our communities But when you go into

affluent communities they do a lot of

these things The people that you see that

says oh and we've seen it.When you are

poor why these rich people just wear

wranglers Or why do this Or why are they

mad Because the price of this pack of pork

chops was x amount but they got and farm

That's why they mad because they

slaughtering their pig and they might have

got caught slipping.So that's why they're

in the grocery store Right And they're mad

because they know that it don't cost that

much for real Right So it's that mindset

shift in so many different When we want to

obtain and maintain wealth we've got to

change our mind and change the way that we

see and understand the power of our dollar

You said something that was very key Every

product known to man is tested in poor and

low middle income communities Not just in

America Not just in America.Because in

those communities We attribute the ability

to buy an item to wealthy to status in

communities Upper middle class and rich a

wealthy communities in things and stuff is

not what they see as wealthy Buying land

buying thousands of acres at a time buying

islands buying and flipping

businesses.Let's talk about that We're

flipping houses they're flipping

businesses I'm investing like I want to

have a shark tank Okay how about that

Where I'm investing income people's

businesses and in paid out and in the

business in the business just for the

purpose of selling it.Different mindset

And you don't find that mindset in low

income and impoverished communities high

middle income communities and above you do

So they not testing them they're testing

us.And we come from at much richer culture

than that But over time generation after

generation we keep taking in this

information that they feeding us instead

of really being open to really researching

what's best for me and my family Like this

ain't it Living paycheck to paycheck

That's the whole principle behind my book

is that I was living paycheck to

paycheck.I was making 80 90 grand a year

1012 years ago which was a good dime for

me at that time You know what I mean But

why was I broke full five days before

every single payday And it just made no

sense I'm driving nice cars.I'm living

where I want to live but my spending

habits were atrocious And one thing I'll

tell you if you're watching listening out

there and you want to get out of that

paycheck to paycheck cycle just take a

look at the last 90 days of your bank

statements print it off get you ago,

highlighter and go through everything that

you really didn't have to have over that

period of time And it's really going to

look ugly for this Last November December

as you was preparing to buy people stuff

that they don't need and don't want so

that you could look good you know what

I'll mean But people you're don't get out

of that.We got to get out of that I know

we probably cramp a time The other thing I

want people to understand is that just

like Steve Harvey always talks a we were

all given gifts more than one multiple but

there's really one or two that just really

stands out And if you can find ways to

generate business income and really

cultivate that gift you'll find that you

will be happier you will make that lot

more money and you will be thriving and

flourishing in life instead of being all

sad and beaten downtrodden going to this

job which is what's causing you to have

high blood pressure and heart attack It's

all tied in you know what I'm saying It's

all tied in So anyway I get on a soapbox

y'all can hire me to speak and I'll bring

this message to you wherever you at Go to

betheVictortor business That's what you do

Go to betheVictortor us and get on his

calendar get him on your calendar to learn

more about the pathways the proven

pathways to success.Get the book It's an

amazing book You all you want to get that

book great things in the book Be in his

network so that we can learn because

without changing our mindset we won't even

get on the path You can't find the path

until you change the way that you

think.You have to change the way that you

think in order bethevictor get on what

true path of success One of the things

that I talk about in my book is who has

defined success for you A lot of times in

our lower income and lower middle class

communities we don't even realize that

we've allowed outside individuals entities

to define success for us We don't even

have our real true definition of what

success looks like to us If it's just the

things and the stuff the things and the

stuff we are allowing other people to tell

us what success looks like.That's why we

spend money unnecessarily But when we

truly define success for ourselves it will

change the game It will absolutely

absolutely change the game I know For me

and I'll ask Victor this too what does

success look and feel like for you today

For me success looks and feels like me

spending time in my garden with my

grandkids Best feeling definition the

world is to watch my granddaughter If was

telling my daughter watch my granddaughter

when she thinks nobody's looking Go into

the strawberries and eat all the

strawberries She looked like. That's

chipmunk just full.And she loved cherry

tomatoes Don't even realize it's healthy

She got a jaws full of cherry tomatoes or

strawberries and she's three So watch her

To go back there and just pick it in the

strawberries the size of her hand and she

don't plop it in.That's success That is

success for me That's success I'm here to

enjoy that So I'm going to do everything I

can to make sure I stay here to enjoy

seeing my grandchildren's children.Come

steal strawberries out of my strawberry

How about that That really touched my a

right there Them grandbabies like what are

you doing this for That's your why right

Absolutely And you said something that I

heard another person say that just really

resonates People got to ask themselves

this What if everything that you thought

was correct is wrong Everything that you

believe about yourself what if it's wrong

is wrong What if you could rethink that

whole thing What if you really can be

healthy and in good shape What if you

really could not have to live Check to

check anymore like you said where did you

get that And who said it was right And if

it was right at that time who says it's

right for you today Just rethink the way

that your life is and question everything

and be inquisitive about do I have to be

like this No limits There are no limits on

you life but we put them on ourselves And

that's the first piece that has to change

is stop limiting you worrying about what

other people are going to think about You

get after it You are not given infinite

time here No Every time that you with

somebody even every time you it your

family your kids that's one less time

you're going to be with them.Yeah So start

appreciating the time that you have and

figuring out where you're supposed to be

And just again rethink some of the

concepts and mindsets that you've been

taught by other people in your life or

experiences that you've had It doesn't

have to be that way going forward So that

would be my 0.02 for it.Love it As always

brother you dropped some amazing Y'all

This is one of those shows where you got

to go back and rewind it and watch it and

listen to it more than once so you can

absorb all of the value that's in this

conversation today Victor as always sir it

has been a pleasure.Thank you're so much

for coming onto the show You know if you

want to come back again we ain't afraid to

have your Thank you so much We always have

great spirited value packed conversations

and I just really appreciate you Your

husband Ben your family y'all been such

always, blessing in my life and I just

thank you.And I just pray success and more

growth over everything that you're doing

LaQuita Because you're really impacting

you Thank you Thank you Listen guys thank

y'all so much for tuning in for another

amazing episode of LaQuita's.Toolbox hit

those like share and subscribe buttons so

that you can receive notification when new

episodes drop every Tuesday on your

favorite podcast listening platform Until

next time I'm your host LaQuita Monley You

guys be blessed and have an amazing

amazing rest of your day Take care Bye

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