From Struggle to Success

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Welcome listeners to Saddle Up Live.

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I'm really excited to have Rachel

King, an attorney that was, I got

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to know on doing divorce different.

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And I was really inspired to share her

with my Saddle Up Live audience because

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

she gave her authentic story and she's

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going to introduce herself and go into

that, but she, she was so strong and

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independent and she seemed to feel so

comfortable with power and finances and.

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Quite frankly, I'm not, and I

want a little bit more of that.

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And so I thought, well, I'm going

to learn about it with all my

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listeners here on Saddle Up Live.

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So I'm really excited.

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She's going to talk about that a

little bit, her authentic story and

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about being financially independent.

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So listeners welcome Rachel King.

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So excited to have her.

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She's a big deal.

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She's got her own podcast.

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She's a high powered attorney

in California and Other states.

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She's a CBS legal correspondent, and

I'm just so grateful to have you here.

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Thank you for being here, Rachel.

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Thank you so much.

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I'm so excited to talk about this.

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I know it's going to be so fun.

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Well, why don't you start by sharing

your story with how you got started?

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So I grew up in a middle class family

and though we, you know, all my

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parents were employed and I say all

because I came from a divorced family.

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

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Parents got remarried when I was very

young and are still with my step parents.

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So I was really raised in two families,

middle class, but we still have the

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electricity turned off because my

dad could not manage money at all.

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We had some pretty I don't even know

if they were significant, but they

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really resonated me, with me as a child.

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And growing up, all I wanted was

like, to never have that happen.

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I'm never gonna not

have my electricity on.

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I'm never going to be worried about

how I'm going to just survive.

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So I was drawn from a young age to these

careers of power and financial security.

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And, you know, when I was growing up,

maybe it's still a thing, but doctors and

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lawyers, that was where it was all at.

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And then we had the big legal shows.

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The lawyers always seemed so happy.

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They demanded so much control and

they were makin Buckets of money.

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Now, this was all on TV.

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

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However, that was how I ended

up becoming an attorney and kind

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of why I wanted to go there.

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I'm also a natural problem solver.

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So this idea that people come to you in

one of the most difficult times in their

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life and I get to solve their problem.

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They're looking to me.

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I love giving advice and I'm

getting paid to give advice.

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All of it.

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Everything about being an attorney

was like right up my alley.

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So I did that, but, uh, I

didn't go the normal course.

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I didn't go to college right away.

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I tried it and it wasn't for me.

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So I joined the army.

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I had a baby very young and I

did not come from a family where.

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You know, children out of wedlock were

like an appropriate course of action.

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But I, like everything else

in my life, did it my way.

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And so I had a baby at 21.

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And I remember thinking I was sort

of going, still not totally on the

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right track, but getting there.

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Um, she was in daycare and the daycare

lady said, you're out of diapers.

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You need to bring in more diapers.

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And I couldn't afford diapers.

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I just had no money.

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And I had for like three days, I

had to say, Oh my gosh, I forgot.

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Oh my gosh, I forgot.

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But I didn't forget.

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I just had no money to go in and

buy more diapers until I got paid.

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And it was truly at that moment that I was

like, I am not going to live this life.

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I am not going to not be able

to afford diapers for my child

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and make all of these excuses.

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And so that's when I really got my life

together and the got on the track of this.

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Fantasy life dream that

I created in my head.

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I need to get on that road

because time's just ticking.

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And so I did I Finished my time in

the army finished my bachelor's degree

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got my law degree and I Hustled and

I opened my firm and I continue to

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learn how to Be better, make more

money and diversify and all of those

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things I actually really enjoy.

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And I'm a millennial, so I have side

hustles, you know, the whole time.

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

love that whole side hustle thing.

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So you're a girl after my heart.

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And I think what I really love about

you too, Rachel, is I love that you

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had the confidence against the norm

because I didn't for a long time and

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

podcast, didn't really delve into what I

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wanted to do until I was in my fifties.

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You know, I was always

trying to fit that mold.

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So I love that you did.

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I love that you did.

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And it's never too late.

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Obviously, it's never too late.

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Look at I get to do this never too late.

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But another thing that I find interesting,

I don't know why Tony Robbins is popping

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in my head as you're telling your story.

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

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

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No.

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

podcasts, read some books of his, but

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he also talks about his childhood.

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And I think sometimes, and you

said you're a middle class family,

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but you had some hard times.

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I almost think sometimes, I wasn't raised

in a rich family, but we had never were,

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I had everything I needed all the time.

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I almost think a lot of people who

are super successful have to fight

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against something like, like fight

against what you fought against

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and have that drive in them.

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Otherwise it's a little harder to get that

drive because you've been so comfortable.

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I don't know.

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That just popped into my head.

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I've heard that before.

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Have you?

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You know that hard times

make strong, strong men.

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Yes.

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That's, that's the saying.

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I think, you know, I, I

will credit my parents.

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They did a, they did a good job.

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

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

rebellious, but I never really fit in.

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I always kind of wanted

to do my own thing.

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And then as a teenager, My mom, you

know, of all of her kids, I guess I

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was the most rebellious and I look at

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

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I stayed out of drugs.

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I never got arrested.

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

like ideal as a teenager, right?

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

even though Now looking back, I was,

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I think I was a reasonable teenager.

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I still was rebellious, right?

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I did what I wanted.

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I didn't like following the

rules and I never really have.

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That's why I didn't work

very well in the army.

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

and I'm, and I really, and society

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doesn't really like that, right?

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But I really leaned into it

when I realized that that was an

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uncomfortable place to be in society

where you don't really fit in and

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you're going to do it your way.

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You either need to embrace it and really.

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Really lean into it or you need to back

off and you know, Maybe conform a little

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bit more and I leaned into it and I

still do when I opened my law firm I

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remember I went to this networking event

where there was a whole bunch of lawyers

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And I wore a really cute outfit, but

I think it was legging Well, I don't

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think I know it was black leggings with

knee high boots and a really pretty

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sweater And I was totally put together.

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I looked very coordinated and uh, it was

an evening event, but it was not It Like

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not formal and I had an attorney come up

to me and I introduced myself and he said,

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um, Well, you're not really an attorney

and I said, no, I really am an attorney

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

just starting my own firm and he looked

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

gonna make it if you dress like that

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and I had many attorneys male and female

make those kind of comments to me and I

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remember looking at him and Kind of in my

head being like oh, yeah, watch me watch

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me in this neighborhood this town that I

live in You Run my law firm and practice

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

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

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know where that Personality trait came

from I tell people I'm it just brings out

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my rebellious side and then and then look

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

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because I want to grab on to that I really

really do and like I said later in life.

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I've started doing that more I mean, I

I wear flannel shirts and baseball caps

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on some of my calls You It's fantastic.

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

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I might be out with the horse.

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I was out gardening today.

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I told you that.

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It is, it is fantastic.

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And I love that, but you know, and

I also, I told you that I loved that

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you were so comfortable saying, I

don't want to make a lot of money.

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

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I say that out loud and how do you,

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

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Like, I just want everyone to love me

and I want to pretend I'm really perfect

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and good, which of course we all know how

stupid that is and not real and authentic.

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

you don't know really where that comes

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from because with ladies, it's okay.

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It's okay to want more.

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It's okay to be 50 and be like,

Oh, I want to have a career.

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I want to do something that I love.

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It's okay.

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

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

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

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going to pay somebody to do them and

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

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And that is truly what I tell myself.

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I mean, I have these pep talks.

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

I think I told you i'm controlling.

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I'm a type a personality.

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I'm an attorney.

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I'm all of those things I

like to do things my way.

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So owning a company was kind of my Uh

ticket there when I was 12 I wanted

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things and I couldn't get them my parents

wouldn't pay for the clothes that I wanted

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

get to ask my parents for 20 bucks to go

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

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

to start babysitting so that I can be in

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control of my money and do what I want.

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And then I got too many

babysitting, uh, clients.

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So I kind of did the at home

version of the babysitter's club.

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When I was 16, I opened a, I started

teaching swimming lessons and

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the same kind of thing happened.

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I got too many swimming lessons.

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So I started recruiting my friends

and made money out of them.

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And I learned early, I call it

the Tom Sawyer effect, right?

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I learned really early that I could

make a lot more money If I have other

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people doing the work for me, and i'm

just back here controlling it, right?

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He whitewashed that whole fence by

telling other people that it was the fun

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

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I still have imposter syndrome and

I still sometimes think oh my gosh

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Like i'll walk into my office and

say Where, how do I mail this thing?

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And my, and I always feel bad

being like, I don't know how

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to use the postage machine.

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I'm sure I could figure it

out, I'm a pretty smart person.

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

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And sometimes I feel really

guilty, like I've disconnected.

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But I created a dream in my head

That I really wanted and I have

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worked tirelessly to get there.

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And I think it's absolutely possible

to create the dream in your head,

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but you're not going to get there

if you're not willing to do the hard

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work and take a little bit of risk

and really put yourself out there.

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Like you were saying, like be

vulnerable because the dreams Are

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kind of fantasy and it doesn't just

happen by doing the status quo If you

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follow what everybody else is doing,

you're never going to reach your dream.

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You're just going to be following the

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

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hard and I look around sometimes I was

talking my kids, you know go to school

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and They talk about where we live, and

uh, my daughter, I think just yesterday,

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she came home and she said I told

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

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

she was like, well yeah, I mean look

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

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

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You can't afford to even put food in

your mouth or buy yourself a drink.

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You can't afford the tap water

that comes out of the faucet.

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I can.

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And she was like, Oh yeah.

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And I think about that sometimes.

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And it makes me laugh, but it also

makes me so proud because everything

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

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And again, I own a law firm.

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I own a real estate investment company.

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I wanted to invest in real estate

because I thought that's what

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all the famous people and the

big rich people are doing, right?

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So on a trip to the Bahamas one

time, my husband got a, a trip

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that was paid for from a, he like

won the trip on for, for sales.

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And so we were going, I thought, Hey,

I think I was late 20s and I thought,

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I am going to invest in real estate.

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I'm going to do this.

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And so I bought investing for real estate

for dummies on the airplane and I read it

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the entire That was my reading material.

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And I got back and I said,

I'm going to do it this year.

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I'm going to buy an extra hat.

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Like we had, we owned a house.

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

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And he said, really?

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

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And so I did.

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So I bought one house and now I

own 13 and they're all residential.

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I have residential and commercial pieces

of real estate and I still get giddy

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and excited when I go to my accountants

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

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I'm like, how did this happen?

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Like this girl that had a baby.

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In 21, when nobody thought she

should, single, couldn't afford

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diapers for her child, and now I'm

just like, anything, here it is.

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But you know what?

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

all, so I still work so hard to make

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sure that it continues to generate.

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It's one of those funny things.

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Right.

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And it's funny because

I'm kind of at a stage.

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Where I, here's my tagline, work less

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

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what you're saying, um, with my divorce

business where I've trained people.

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And now I'm just kind of

running that business.

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I'm not going to get

into the nuts and bolts.

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I'm going to be there to support.

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Um, and I'm doing this podcast

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

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it's things that I'm interested in.

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Um, but I still, I mean, I still

want to add income to my home.

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You know what I mean?

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And I think Rachel, what I've learned.

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Like it's uncomfortable, but it doesn't

have to be that hard because if it's

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

I put time in to, you know, listening to

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your podcast cause you're going to be a

guest on reading books about health and

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getting those authors on the podcast.

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Um, Getting out of my uncomfortable

zone by doing things I wouldn't

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do normally, which is getting on a

podcast or speaking to a group or

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sharing real authentic stories that

you kind of don't want to always tell.

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That's another thing that

I'm just learning how to do.

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So I just, I'm on the same wavelength

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

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I want to have more.

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I don't think it has to be so hard

and I feel like you're kind of right.

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Yes.

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Yeah, that's exactly been my trajectory

for my whole life is how can I make

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more money and do less I think I tell

people I'm like the laziest person

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that I know and they look at me and

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

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not you're always out doing things.

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You own multiple companies.

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You're you know, you're doing this

and this I'm like, right Because

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it's always because I just don't

want to do anything and so i'm always

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trying to learn how I can Make more

money and satisfy my income needs by

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doing less Because that's beautiful.

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Isn't that what we all want?

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We all want to make more money and be in

and have the maximum amount of freedom.

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And I think it's possible,

but I think it's hard.

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I had somebody once tell me.

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If you, kind of what you said, if

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

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And I definitely disagree with that.

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I think that's where a

lot of people go wrong.

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

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

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You have to do all of the, the

editing and the, yeah, yeah, yeah.

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You have to put in the

time to get to a point.

300

: 00:17:27

You know, I'm, my firm is.

301

: 00:17:30

It's a very well oiled machine, much

like your divorce business, I'm sure.

302

: 00:17:34

And I get to, you know, run it

and it sort of self generates

303

: 00:17:39

the income and I have to work.

304

: 00:17:40

Of course, I don't stop working

it, but I can, I have the freedom

305

: 00:17:44

and the time to go do other things.

306

: 00:17:47

But it wasn't like that for the

first like six years, right?

307

: 00:17:50

It took so much of my,

I had to do everything.

308

: 00:17:52

And so I think people need to.

309

: 00:17:55

Acknowledge that if you want it, you've

got to really keep your eye on the prize

310

: 00:18:01

and put in the time And do the hard

work and if you have a hard time with

311

: 00:18:06

deadlines I live and die by my calendar

because again, I think i'm a pretty

312

: 00:18:10

lazy person and if it's not written

down I'm, probably not gonna do it.

313

: 00:18:14

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

I'm going to go do everything I want,

314

: 00:18:20

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

315

: 00:18:23

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

big believer in financial independence.

316

: 00:18:27

I think if every person on earth strives

to become financially independent,

317

: 00:18:33

they will have more freedom and

they will enjoy their life more.

318

: 00:18:36

So that's kind of my

life mission for myself.

319

: 00:18:39

And then also for, for my family.

320

: 00:18:40

Other people that I interact with is how

can I help them get to a place in their

321

: 00:18:46

life where they can Pretty much buy their

freedom Okay, so I love that and I think

322

: 00:18:52

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

you tell me in in my situation what advice

323

: 00:19:01

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

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

324

: 00:19:07

here talking to me, but what would,

how could I be financially independent?

325

: 00:19:13

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

326

: 00:19:16

I think it comes down to.

327

: 00:19:19

So, what do you love?

328

: 00:19:21

I think you have to love whatever

it is you're going to turn

329

: 00:19:24

into financial independence.

330

: 00:19:26

And the biggest, actually, because

I've had this conversation, the

331

: 00:19:29

biggest response I get from people is,

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

332

: 00:19:33

I love doing, making costumes, but I

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

333

: 00:19:36

want to turn my hobby into a job.

334

: 00:19:39

And then it takes the fun out of it.

335

: 00:19:41

Well, if you're good

at it and you love it.

336

: 00:19:45

It's okay to turn it into a job

and do the other parts, but for

337

: 00:19:49

financial independence first, I

think you need to figure out what it

338

: 00:19:52

is that you want to be involved in.

339

: 00:19:55

I don't want to be in finance.

340

: 00:20:00

Nothing about that sounds fun.

341

: 00:20:01

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

going to look into anything where

342

: 00:20:05

I can, where I have to have that be

my reliance, but what I am going to

343

: 00:20:08

do is say, Oh, I love real estate.

344

: 00:20:11

I really love real estate.

345

: 00:20:13

So how can I turn my, what I really love

and that I think is fun and enjoyable

346

: 00:20:18

and I can talk about for hours into a

stream of income and then researching

347

: 00:20:23

it, just like you were saying, go out and

read the books, listen to the podcasts,

348

: 00:20:26

figure out how the different ways that

people have made money on this, which

349

: 00:20:31

one kind of lights a fire under you.

350

: 00:20:35

And then put together a plan, but a

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

351

: 00:20:40

I think the dummies books are great.

352

: 00:20:42

I just really think they have them

on everything, and they really

353

: 00:20:46

keep it very, very small so that

just about anybody can do it.

354

: 00:20:50

Um, and I know that doesn't really

answer your question because I've kept

355

: 00:20:53

it very broad, but if you can leverage

what you love so that other people are

356

: 00:21:00

paying you for it, And then once you've

started getting paid for it, you can

357

: 00:21:07

teach other people how to do it, or you

can start making money on other people.

358

: 00:21:13

Then you have just created, not just

income, but sustainable long term income.

359

: 00:21:19

I bought my first house and I put a

tenant in it and I got a mortgage on it.

360

: 00:21:23

Every single, I think almost every

single one of my, you know, three

361

: 00:21:26

of my properties are paid off.

362

: 00:21:27

All of the rest of them.

363

: 00:21:29

I have mortgages on and my tenants

pay my mortgage down so that

364

: 00:21:33

I get to realize my long term

equity bills and they pay it down.

365

: 00:21:40

But it doesn't have to be like that.

366

: 00:21:41

If real estate's not your thing,

ultimately what you want to do

367

: 00:21:44

is make money on other people.

368

: 00:21:46

And you don't start there.

369

: 00:21:48

You start there by having people

making money for what you are doing

370

: 00:21:53

that other people are paying for.

371

: 00:21:54

And then you can leverage

it and slowly grow.

372

: 00:21:57

Um, I rely incredibly heavily

on other people's expertise.

373

: 00:22:04

I'm one person.

374

: 00:22:05

I can't know everything.

375

: 00:22:07

I can know a little bit about a

lot and I can read some books,

376

: 00:22:11

but if I want to publish a book.

377

: 00:22:14

I'm not going to learn how

to publish a book myself.

378

: 00:22:17

I'm going to go and meet the

people that can tell me how

379

: 00:22:19

I'm going to publish a book.

380

: 00:22:21

I have one coming out, coming up, right?

381

: 00:22:23

If I want to invest in real estate,

I'm going to go hang out with all the

382

: 00:22:25

people that have already done that.

383

: 00:22:27

If I want to have a YouTube channel that

supports all of my income and I only

384

: 00:22:32

get to be a content creator, I'm going

to go find those people and pick their

385

: 00:22:36

brain and socialize with them and do

the things that I can until I get there.

386

: 00:22:41

And I think that's the best way.

387

: 00:22:43

Cheap on the cheap to get yourself

to a certain point is to go hang out

388

: 00:22:48

with the people that you want to be

like Amen, amen Okay, so two things

389

: 00:22:53

I want to kind of Follow up on.

390

: 00:22:56

I love that you said baby steps and

I so highly recommend, I think my

391

: 00:23:01

whole life I was in such a rush and

that's how it can be more enjoyable.

392

: 00:23:06

I don't get freaked out anymore.

393

: 00:23:08

Like you said, I go meet with someone

to talk about what I want to do.

394

: 00:23:13

And then there's one other thing I was

thinking of, um, that has added to me.

395

: 00:23:20

I think making something more successful.

396

: 00:23:25

And I think when I add a piece in about

helping others, and I'm going to explain

397

: 00:23:30

that because, um, my oldest daughter

is in her residency in pediatrics.

398

: 00:23:38

Yeah.

399

: 00:23:39

Oh, thanks.

400

: 00:23:39

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

proud of the grandson she created.

401

: 00:23:47

No, I'm so proud.

402

: 00:23:48

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

403

: 00:23:50

I mean, this girl, she's in

her last year of her residency.

404

: 00:23:54

She's, she calls me in the morning,

she's working nights in the PICU and

405

: 00:23:58

she's seen horrible things, you know, a

14 year old brain dead that she had to

406

: 00:24:04

do the tests on is donating the organs.

407

: 00:24:07

The mom is a doctor where she

worked, you know, it's just like,

408

: 00:24:10

there's so, so many traumatic things.

409

: 00:24:12

And she works in oncology, which she tends

to think is a little bit more optimistic

410

: 00:24:17

because so many children do well.

411

: 00:24:19

Through cancers, but I, I

was thinking I've had that.

412

: 00:24:23

So we had a cabin and we sold

it cause we bought this farm.

413

: 00:24:26

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

that cabin back or something like it.

414

: 00:24:31

Cause I love the lake life.

415

: 00:24:33

And I think about my life as a

child with my grandparents, being a

416

: 00:24:38

grandparent is really important to me.

417

: 00:24:40

And a wife.

418

: 00:24:41

To my husband, I feel like I kind of let

him go a little bit with, sorry, Johnny.

419

: 00:24:47

But, um, so when I think about getting

a cabin, I kind of, um, globbed

420

: 00:24:54

it together with this dream of.

421

: 00:24:57

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

July, I usually stay home and try to

422

: 00:25:00

keep my horses calm from the fireworks.

423

: 00:25:04

What if I could have this beautiful

home on a lake and donate it to a

424

: 00:25:10

family going through childhood cancer

for the week of the 4th of July?

425

: 00:25:16

So when I add that to my dream, Ooh,

it kind of makes my heart feel good.

426

: 00:25:21

Maybe gives me a little bit

more purpose to get there.

427

: 00:25:25

And then I started thinking about, well,

I could rent out that cabin, right?

428

: 00:25:29

And so then I started thinking about,

well, it might not be on the Lake

429

: 00:25:32

that I want to end up on, but maybe

on a real popular Lake, you know,

430

: 00:25:37

that's more of a draw to people from

Chicago or, you know, whatever, and

431

: 00:25:41

starting out there and then moving.

432

: 00:25:43

And so, That's what entered

my mind when you were talking.

433

: 00:25:46

So you did help me, even though you

said you were being really general.

434

: 00:25:50

I just want to show you that when you

said that, all this came to my mind.

435

: 00:25:54

And all of it is possible.

436

: 00:25:57

And I think we need to,

especially as women, we need

437

: 00:26:00

to be okay with making money.

438

: 00:26:05

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

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

439

: 00:26:10

Because it's going to earn me an income.

440

: 00:26:12

Don't feel bad.

441

: 00:26:13

I mean Everything that I do I look at

and see if it's going to be a financial

442

: 00:26:18

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

going to be a financial benefit, then

443

: 00:26:23

I look at it and I really weigh Is this

something that I want to contribute

444

: 00:26:27

my time to do I care about this?

445

: 00:26:29

Is it going to be benefiting me in

some way and maybe people would say

446

: 00:26:33

well, that's really selfish but even

You know If I give it and it makes

447

: 00:26:36

me gives me that warm fuzzy like

what am I getting back from this?

448

: 00:26:39

And if I can't answer those questions

Then it's oh i've given myself permission

449

: 00:26:45

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

450

: 00:26:47

I'm not going to go out on a limb

for something that isn't going to

451

: 00:26:53

get me ultimately to where I I want

to be and i'm not going to feel

452

: 00:26:57

guilty About doing it that way either

Because I feel like sometimes as

453

: 00:27:03

especially as women we have mom guilt.

454

: 00:27:05

We have wife guilt.

455

: 00:27:06

We have societal Pressures that we're

feeling and sometimes i'm like i'm just

456

: 00:27:10

not gonna do that Um, one thing I wanted

to add in just because I think it was

457

: 00:27:13

important and I missed it as well I think

baby steps are really important and I

458

: 00:27:17

only take baby steps if I get really

overwhelmed because I do I will sit

459

: 00:27:23

back and i'll just say okay just Just

come up with the next thing that you're

460

: 00:27:27

going to do just one thing but You can't

not have an end game either because

461

: 00:27:35

otherwise your baby steps never come to

be so for example I am writing this book.

462

: 00:27:41

This is a big thing and I And I

knew it was an easy thing to put off

463

: 00:27:46

at the end of the day is writing.

464

: 00:27:48

Um, and I said, I'm just going

to publish it in October of: 2024

465

: 00:27:53

And I picked that day before

I even started writing.

466

: 00:27:56

Um, and then I just kind of backwards

planned it and thought, okay, I

467

: 00:28:00

need to hire an editor by this time.

468

: 00:28:01

I need to get through it.

469

: 00:28:04

And I can do 20 minutes, you know,

twice a week is kind of what I can do.

470

: 00:28:09

And it works, but you have to have some

way that the baby steps to, to make sure

471

: 00:28:16

that you complete the baby steps and that

you're always moving forward toward it.

472

: 00:28:20

Otherwise, you know, 10 years will

pass and you'll still be sitting

473

: 00:28:22

in the same place you were before.

474

: 00:28:24

Rachel, I call that my future self work.

475

: 00:28:27

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

476

: 00:28:29

Like I sit and dream about my future

self in 10 years and then I do

477

: 00:28:33

the roadmap about how I'm getting.

478

: 00:28:34

I have podcasts on that.

479

: 00:28:37

I totally, totally agree with that.

480

: 00:28:39

And you know, I want to say too,

um, when you were talking about,

481

: 00:28:44

you You know, go with your passion.

482

: 00:28:46

You don't need to feel guilty about it.

483

: 00:28:48

I don't know if this is going

to help anyone, but I'm a super

484

: 00:28:50

strong Christian and I, and I did

deal with a lot of guilt, right?

485

: 00:28:54

With that, I like, Oh, and then I

finally just went, you know what?

486

: 00:28:58

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

passions match yours and then give it to

487

: 00:29:04

him and he created you, he created you to

do these most amazing things and so do it.

488

: 00:29:10

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

that's what you're here for.

489

: 00:29:13

So I've kind of let that go just

recently, you know, a little bit.

490

: 00:29:18

Yes.

491

: 00:29:19

Yes.

492

: 00:29:20

It's so hard.

493

: 00:29:21

I still, I'm not kidding.

494

: 00:29:22

My mom took care of the house.

495

: 00:29:25

My step mom took care of the house.

496

: 00:29:27

My siblings, almost all of them,

like naturally inside of them,

497

: 00:29:32

find some kind of peace and joy

by cleaning and doing laundry.

498

: 00:29:35

And I'm not that person.

499

: 00:29:36

Like, I can't stand doing laundry.

500

: 00:29:38

I will step over, I will take

off my clothes and leave them on

501

: 00:29:40

a pile and turn over the pile.

502

: 00:29:42

I mean, if there is ever an

excuse to not clean, I will.

503

: 00:29:47

I cook just so that I have an excuse.

504

: 00:29:49

I mean, I like to cook, but just

so I have an excuse to be like, I

505

: 00:29:51

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

506

: 00:29:54

That is 100 percent me and I

still feel guilty about it.

507

: 00:29:57

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

508

: 00:29:58

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

still to this day battle with the fact

509

: 00:30:02

that no I'm gonna pay a house cleaner

and that's gonna be the last thing

510

: 00:30:06

that goes if I have to cut back is

this because I hate it, but I think One

511

: 00:30:12

of the things we all need to do is be

really patient and give ourselves grace

512

: 00:30:17

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

to do the things that we previously,

513

: 00:30:25

you know, were expected to do or these

false expectations we have of ourselves.

514

: 00:30:29

Figure out what you're good

at Lean into that dream.

515

: 00:30:33

Don't be afraid to dream, but

don't think that your dreams are

516

: 00:30:37

going to happen automatically.

517

: 00:30:39

Put your steps in and everything,

whatever you can do, if it's annually,

518

: 00:30:43

weekly, whatever, you just do one

thing to get to the next step.

519

: 00:30:47

And you always have that next step planned

and knowing when you're going to do it.

520

: 00:30:51

I think we're all bound to be

the best versions of ourselves.

521

: 00:30:55

That we can be, and I think

financial independence will be

522

: 00:30:57

inevitable if you do it that way.

523

: 00:30:59

Amen.

524

: 00:31:00

And what a great, that's a

great sound bite to end on.

525

: 00:31:03

We went way over time.

526

: 00:31:04

So Rachel, it has been so awesome to get

to know you from the bottom of my heart.

527

: 00:31:09

Thank you.

528

: 00:31:10

Thank you for being here.

529

: 00:31:11

Thank you so much for having me.

530

: 00:31:13

It was a joy.

531

: 00:31:14

All right.

532

: 00:31:15

Take good care.

533

: 00:31:16

Thank you.

534

: 00:31:16

You too.