Welcome to the show.

Welcome to the show.

I am with Shan McDonald, the host of Money Making Conversations Masterclass, where we encourage people to stop reading other people's success stories and.

I am with Shan McDonald, the host of Money Making Conversations Masterclass, where we encourage people to stop reading other people's success stories and.

Start planning their own.

Start planning their own.

Listen up as I interview entrepreneurs from around the country, talk to celebrities and ask them how they are running their companies, and speak with nod profits who are making a difference in their local communities. Now, sit back and listen as we unlock the secrets to their success on Money Making Conversations Masterclass.

Listen up as I interview entrepreneurs from around the country, talk to celebrities and ask them how they are running their companies, and speak with nod profits who are making a difference in their local communities. Now, sit back and listen as we unlock the secrets to their success on Money Making Conversations Masterclass.

Hi, welcome to Money Making Conversations Masterclass, and I am your host, Rashaan McDonald. I've always told people listening to this show, you know, I've just listened over the years and my articulation has gotten better and my gttion, my wife corrects me, and I've listened to her. And because you have to continue work your craft, you have to continue to be able to take some form of criticism, whether it's constructive or perceived. You might perceive it negative comments, but if people are set there in there in a position to make you sound better, be better, educate you and to a winning situation. Because I want I want when you guys hear me to be able to hear the words correctly and the information correctly. And that's what Money Making Conversations is all about. The interviews that I do on this show and the information that this show provides. It's for you, it's for everyone. And I always tell people it's time to stop reading other people's success stories and start living on living, living your own life, not anybody.

Hi, welcome to Money Making Conversations Masterclass, and I am your host, Rashaan McDonald. I've always told people listening to this show, you know, I've just listened over the years and my articulation has gotten better and my gttion, my wife corrects me, and I've listened to her. And because you have to continue work your craft, you have to continue to be able to take some form of criticism, whether it's constructive or perceived. You might perceive it negative comments, but if people are set there in there in a position to make you sound better, be better, educate you and to a winning situation. Because I want I want when you guys hear me to be able to hear the words correctly and the information correctly. And that's what Money Making Conversations is all about. The interviews that I do on this show and the information that this show provides. It's for you, it's for everyone. And I always tell people it's time to stop reading other people's success stories and start living on living, living your own life, not anybody.

Else's, because it's you. It's you.

Else's, because it's you. It's you.

When you wake up, it's you. You know, God wakes you up, it's that alarm clock sitting there. But guess what, I always beat my alarmcock up. I don't know why it's not so it's not waking me up. And I'm here to tell you you can reach your American dream. Just keep listening and listening with people, give your advice, listen with people. You will tell you need to do something that's gonna make your life harder. It might be harder, but it gonna make it better because nothing's easy long term. Nothing's easy long term. If you want to be a guest on my show, please visit Moneymaking Conversation dot com and click to be a guest button. Wow, let's get student my guest today empowers businesses and individuals to succeed by offering strategic financial strategies, expert guidance, and tailored business solutions. As a dedicated financial professional, she is committed to empowering individuals through comprehensive financial education. Please work with the Money Making Conversations Masterclass. Laura Finny.

When you wake up, it's you. You know, God wakes you up, it's that alarm clock sitting there. But guess what, I always beat my alarmcock up. I don't know why it's not so it's not waking me up. And I'm here to tell you you can reach your American dream. Just keep listening and listening with people, give your advice, listen with people. You will tell you need to do something that's gonna make your life harder. It might be harder, but it gonna make it better because nothing's easy long term. Nothing's easy long term. If you want to be a guest on my show, please visit Moneymaking Conversation dot com and click to be a guest button. Wow, let's get student my guest today empowers businesses and individuals to succeed by offering strategic financial strategies, expert guidance, and tailored business solutions. As a dedicated financial professional, she is committed to empowering individuals through comprehensive financial education. Please work with the Money Making Conversations Masterclass. Laura Finny.

How are you doing, Laura, I'm doing wonderful her side, How are you well, Laura?

How are you doing, Laura, I'm doing wonderful her side, How are you well, Laura?

You know I didn't make it out to Invest Fast. You know, if you see you're coming out to Fest Fast. That's a big financial expo that's hosted annually in Los Angeles in Atlanta, Georgia, and she was out there.

You know I didn't make it out to Invest Fast. You know, if you see you're coming out to Fest Fast. That's a big financial expo that's hosted annually in Los Angeles in Atlanta, Georgia, and she was out there.

So while we at invest Fest.

So while we at invest Fest.

Oh my god, you won't believe this. But this was the first time I had heard about it.

Oh my god, you won't believe this. But this was the first time I had heard about it.

Huh.

Huh.

And I heard about it about back in June, and I hummed and hud if it was something I wanted to go to. I do follow Earn Your Living. I listen to their podcast as well as yours.

And I heard about it about back in June, and I hummed and hud if it was something I wanted to go to. I do follow Earn Your Living. I listen to their podcast as well as yours.

Thank you.

Thank you.

It really intrigued me because I do help people make financial decisions based on their long term goals. But I wanted to be in the room with people who were looking for information. Now that man was I in the room. Absolutely a good ten thousand people there.

It really intrigued me because I do help people make financial decisions based on their long term goals. But I wanted to be in the room with people who were looking for information. Now that man was I in the room. Absolutely a good ten thousand people there.

You know, it's really amazing because we're all are dreamers and I can't tell you how to be successful. What is the I would say frustrating because you know you got a system, you you've done this enough to know. But what are some of the mistakes that people make when you're trying to plan a proper financial strategy for them?

You know, it's really amazing because we're all are dreamers and I can't tell you how to be successful. What is the I would say frustrating because you know you got a system, you you've done this enough to know. But what are some of the mistakes that people make when you're trying to plan a proper financial strategy for them?

You know, I was thinking about that honestly while I was listening to your other guests, and I'd probably say the biggest one is listening to or taking advice from someone who don't know what that person's long term goals and dreams are. People put you know, products and services in plates based on information they hear, or course that they took, or you know, someone's podcast, And honestly, I really appreciate that because I love it when people are doing something to save for the future. But a financial plan is more than just saving. It's allowing you to be able to live life on your terms. And that comes with very very strategic plan and to make sure that number one, you don't have to go back to work when you decide to retire, or like I like to say, live life on your terms, because nobody's really retiring.

You know, I was thinking about that honestly while I was listening to your other guests, and I'd probably say the biggest one is listening to or taking advice from someone who don't know what that person's long term goals and dreams are. People put you know, products and services in plates based on information they hear, or course that they took, or you know, someone's podcast, And honestly, I really appreciate that because I love it when people are doing something to save for the future. But a financial plan is more than just saving. It's allowing you to be able to live life on your terms. And that comes with very very strategic plan and to make sure that number one, you don't have to go back to work when you decide to retire, or like I like to say, live life on your terms, because nobody's really retiring.

But when financial positions, nobody's really retiring.

But when financial positions, nobody's really retiring.

Please please tell my audience that.

Please please tell my audience that.

Please tell my audience, no one really retire. You know, we're not great Grandma sitting on the front porch with some lemonade rock and back and forth in the chair. We're not doing that. What retirement means now, which I now call living life on your terms, it is being able to say, Okay, I'm in a financial position to never have to work again at this age and be able to do whatever I want to do, which is, you know, either do more philanthropy work or travel or actually, you know, embark on a passion that they had outside their full time job.

Please tell my audience, no one really retire. You know, we're not great Grandma sitting on the front porch with some lemonade rock and back and forth in the chair. We're not doing that. What retirement means now, which I now call living life on your terms, it is being able to say, Okay, I'm in a financial position to never have to work again at this age and be able to do whatever I want to do, which is, you know, either do more philanthropy work or travel or actually, you know, embark on a passion that they had outside their full time job.

Let's get started him. I want to ask you a couple of questions. My first question I want to do is what inspired you to become a financial coach and financial literacy educator?

Let's get started him. I want to ask you a couple of questions. My first question I want to do is what inspired you to become a financial coach and financial literacy educator?

What inspired you?

What inspired you?

Oh, it was two things, Rishan. The first one was it was the day after my fifiet birthday party and you can only imagine how sober I was in that moment, and my cousin asked me if I had a financial plan for the future and what my retirement looked like, and I didn't know how to answer that articulately, so to speak. You know, we saved, right, We plan on never having to go back to work again and maybe rely on some social security along with it. And then I realized that that wasn't it, and I realized that I'd have to give up a lot of the cable channels that I watched, you know, ten or fifteen years from now. That was the first thing, is that I didn't know what I didn't know, and so having her explained to me what that looked like was an eye opener. And then the second one is I grew up in the South suburbs of Chicago, and my grandfather had over about I want to say, twelve to fifteen acres of land, and it was farm land. We grew fruits and vegetables and had pigs and horses and chickens, and he built a concrete home on that land. But when I was nineteen, my grandfather was dying of bone cancer and my mom and her two brothers said he needed to put a wheel in place, and he said, I don't need to do that. You and your brother's handle it. Well. F long story short, they didn't handle it. The boys wanted to sell, Mom wanted to keep it in the family, and so she continued to pay the taxes on the land until she passed away when I was twenty four. Now I'm gonna get a little real here. I'm the youngest of seven kids, and we have a very large family, and all those grown folks in the family didn't pay the taxes, so we lost the taxes the land to tax sales. And so about five years ago I went home and the area because you know, you always ride past where you used to live and grow up, and it was instant and come to find out, Amazon was building a distribution center on the land I grew up.

Oh, it was two things, Rishan. The first one was it was the day after my fifiet birthday party and you can only imagine how sober I was in that moment, and my cousin asked me if I had a financial plan for the future and what my retirement looked like, and I didn't know how to answer that articulately, so to speak. You know, we saved, right, We plan on never having to go back to work again and maybe rely on some social security along with it. And then I realized that that wasn't it, and I realized that I'd have to give up a lot of the cable channels that I watched, you know, ten or fifteen years from now. That was the first thing, is that I didn't know what I didn't know, and so having her explained to me what that looked like was an eye opener. And then the second one is I grew up in the South suburbs of Chicago, and my grandfather had over about I want to say, twelve to fifteen acres of land, and it was farm land. We grew fruits and vegetables and had pigs and horses and chickens, and he built a concrete home on that land. But when I was nineteen, my grandfather was dying of bone cancer and my mom and her two brothers said he needed to put a wheel in place, and he said, I don't need to do that. You and your brother's handle it. Well. F long story short, they didn't handle it. The boys wanted to sell, Mom wanted to keep it in the family, and so she continued to pay the taxes on the land until she passed away when I was twenty four. Now I'm gonna get a little real here. I'm the youngest of seven kids, and we have a very large family, and all those grown folks in the family didn't pay the taxes, so we lost the taxes the land to tax sales. And so about five years ago I went home and the area because you know, you always ride past where you used to live and grow up, and it was instant and come to find out, Amazon was building a distribution center on the land I grew up.

Plan on this story don't getting wow Wow.

Plan on this story don't getting wow Wow.

So that's where my desire, my passion for helping uneducated people become educated to really make some financial decisions that will impact their lives, not just now but in the future.

So that's where my desire, my passion for helping uneducated people become educated to really make some financial decisions that will impact their lives, not just now but in the future.

Well, you know, and I appreciate that on the story. And I try to be honest on this show. I try to tell people about my mistakes. I try to tell people that, you know, my life isn't rosie. I tell them whether it's my health stupidity, because you know, I've made some dumb decisions.

Well, you know, and I appreciate that on the story. And I try to be honest on this show. I try to tell people about my mistakes. I try to tell people that, you know, my life isn't rosie. I tell them whether it's my health stupidity, because you know, I've made some dumb decisions.

Dude.

Dude.

I tell everybody brag about the fact I eat ice cream. I eat a guy on ice cream a week. I tell people that in the heartbeat. Then all of a sudden, I got high blood pressure and high cholesterol.

I tell everybody brag about the fact I eat ice cream. I eat a guy on ice cream a week. I tell people that in the heartbeat. Then all of a sudden, I got high blood pressure and high cholesterol.

Am I stunned? No, because you've been doing stupid things.

Am I stunned? No, because you've been doing stupid things.

Please don't go anywhere. We'll be right back with more money Making Conversations Masterclass. Welcome back to the Money Making Conversations Masterclass, hosted by Rashaan McDonald. Money Making Conversations Masterclass continues online at Moneymakingconversations dot com and follow money Making Conversations Masterclass on Facebook, Twitter, and Instagram.

Please don't go anywhere. We'll be right back with more money Making Conversations Masterclass. Welcome back to the Money Making Conversations Masterclass, hosted by Rashaan McDonald. Money Making Conversations Masterclass continues online at Moneymakingconversations dot com and follow money Making Conversations Masterclass on Facebook, Twitter, and Instagram.

But I think that when you look at so many stories about you know, we had land and or we and didn't understand how to pass that land, and then you do hear some great stories where the family understood how to create a legacies with that land and get it to the next point. Now you know if a number that you brought up was fifty, and that reason I bringing that up because certain people locked down certain age numbers where they go I can't do nothing else with my life.

But I think that when you look at so many stories about you know, we had land and or we and didn't understand how to pass that land, and then you do hear some great stories where the family understood how to create a legacies with that land and get it to the next point. Now you know if a number that you brought up was fifty, and that reason I bringing that up because certain people locked down certain age numbers where they go I can't do nothing else with my life.

This is it.

This is it.

I'm just gonna get to the finish line. But at fifty you didn't see it that way. You didn't see a finished line?

I'm just gonna get to the finish line. But at fifty you didn't see it that way. You didn't see a finished line?

What what? What? What? What kept you motivating?

What what? What? What? What kept you motivating?

I plan on living till one hundred and twelve.

I plan on living till one hundred and twelve.

There you go, girl, there you go. Come on me and you. I'm telling me and you.

There you go, girl, there you go. Come on me and you. I'm telling me and you.

Lord to get it years to get it right.

Lord to get it years to get it right.

But I'm gonna be like Dick Van Dyke.

But I'm gonna be like Dick Van Dyke.

Though Dick van Dyke still out there dancing, splitting acting. You know, that's that's what Rashaan's going to be. I swear to you. You you see me walking around slow, I'll be doing my yoga, I'll be doing my stretching, my sit ups. Because I be looking at people my age walk. I go, I can't walk like that. I can't walk like that. I got to do my stretching and all those things. And I wasn't doing that. And I was realizing that if you allow age to win, then the.

Though Dick van Dyke still out there dancing, splitting acting. You know, that's that's what Rashaan's going to be. I swear to you. You you see me walking around slow, I'll be doing my yoga, I'll be doing my stretching, my sit ups. Because I be looking at people my age walk. I go, I can't walk like that. I can't walk like that. I got to do my stretching and all those things. And I wasn't doing that. And I was realizing that if you allow age to win, then the.

Results are bad, that's right. And at fifty you said.

Results are bad, that's right. And at fifty you said.

No, that is not my eye. Don't you look at me and tell me when I'm gonna die, don't you do that?

No, that is not my eye. Don't you look at me and tell me when I'm gonna die, don't you do that?

And so what the problem is is that, you know, my birth certificate said fifty. I felt like I was in my thirties.

And so what the problem is is that, you know, my birth certificate said fifty. I felt like I was in my thirties.

There you go. You know, well that's me.

There you go. You know, well that's me.

I don't allow age numbers to define how I live my life.

I don't allow age numbers to define how I live my life.

Say that to my audience one more time. Come on, please, please.

Say that to my audience one more time. Come on, please, please.

Really, I do not allow age to define how I live my life.

Really, I do not allow age to define how I live my life.

Now, you know you've been repeating a lot of things on your interview because you've been saying some profound stuff to my audience. Because see I always tell people this, Laura, never allow age to be an excuse on anything you want to do. You know, yes, physically you may not be able to do things, but if your mind's right and you have the ability of plan, you have they to create relationships you can win with. Here's my next question. I want to ask you one of the most common financial challenges you see people in their thirties and forties facing, and how do you advise them overcoming them?

Now, you know you've been repeating a lot of things on your interview because you've been saying some profound stuff to my audience. Because see I always tell people this, Laura, never allow age to be an excuse on anything you want to do. You know, yes, physically you may not be able to do things, but if your mind's right and you have the ability of plan, you have they to create relationships you can win with. Here's my next question. I want to ask you one of the most common financial challenges you see people in their thirties and forties facing, and how do you advise them overcoming them?

Oh, the biggest one I see with people in their thirties and forties is the number one. They believe that they need to pay off debt first. And you know, the golden rule is to always pay yourself first. That's number one. And then the especially people in their forties, they're putting away money and products that they cannot access, but will need access to as they get older, either for investment purposes or planning on, you know, different purchases in the future. Some are still looking to buy their dream homes and things like that, so they're saving, but again not in all the proper buckets. That's number one, and then number two, the biggest thing that they face is feeling like they have time.

Oh, the biggest one I see with people in their thirties and forties is the number one. They believe that they need to pay off debt first. And you know, the golden rule is to always pay yourself first. That's number one. And then the especially people in their forties, they're putting away money and products that they cannot access, but will need access to as they get older, either for investment purposes or planning on, you know, different purchases in the future. Some are still looking to buy their dream homes and things like that, so they're saving, but again not in all the proper buckets. That's number one, and then number two, the biggest thing that they face is feeling like they have time.

When you said time.

When you said time.

To you know, put away money right now?

To you know, put away money right now?

They have time, right but let's let's talk about that real quick before we go to break because of the fact that we all feel.

They have time, right but let's let's talk about that real quick before we go to break because of the fact that we all feel.

We have time, and we do. We really do have time.

We have time, and we do. We really do have time.

Because see, but you need a plan. You have to need to have to start a playing somewhere. We're gonna start the plan at fifty sixty seventy, but it's always nicer if you start that plan at thirty forty, if you're really smart in your twenties. Because I kind of did that a little bit lore but I didn't understand what I was doing. See, that's making a plan without a clear understanding of your plan.

Because see, but you need a plan. You have to need to have to start a playing somewhere. We're gonna start the plan at fifty sixty seventy, but it's always nicer if you start that plan at thirty forty, if you're really smart in your twenties. Because I kind of did that a little bit lore but I didn't understand what I was doing. See, that's making a plan without a clear understanding of your plan.

Does that make sense to that, you know what I'm saying.

Does that make sense to that, you know what I'm saying.

So that meant that I didn't value the long term of what I needed to do with that plan. And so because I look back and go, man, if you just not even mess with that money and it just just see where it would have been right now with stock splitting and splitting again and splitting again and riding through two thousand and eight. Girl, you wouldn't even be listening to me on this show. I'll be having money making conversations at the house because I understood my plan. And when you do financial literacy and financial education, that's the number one question that I have to keep asking myself is when am I going to listen to the right people? And you wanted the right people to listen to. So how do you get the word out about you?

So that meant that I didn't value the long term of what I needed to do with that plan. And so because I look back and go, man, if you just not even mess with that money and it just just see where it would have been right now with stock splitting and splitting again and splitting again and riding through two thousand and eight. Girl, you wouldn't even be listening to me on this show. I'll be having money making conversations at the house because I understood my plan. And when you do financial literacy and financial education, that's the number one question that I have to keep asking myself is when am I going to listen to the right people? And you wanted the right people to listen to. So how do you get the word out about you?

Laura?

Laura?

It's two things. So one I'm really excited about that's coming up where I'm going to focus solely on women. But most of it comes from either networking events, hosting my webinars, which I tend to do a lot of host a lot of free online webinars, and then I'm also invited to speak out at events. And I have a team of I like to call them my young generation, which I saw appreciate them of people in their twenties and thirties and being able to get them out in the community because it takes a village. I can't do it alone. So it takes a village to really bring the awareness and have access to a demographic I would normally have access to. So between me and my team, there isn't one person I don't see that I don't care where they're work, and I ask them, do you see yourself doing this for the next twenty thirty years?

It's two things. So one I'm really excited about that's coming up where I'm going to focus solely on women. But most of it comes from either networking events, hosting my webinars, which I tend to do a lot of host a lot of free online webinars, and then I'm also invited to speak out at events. And I have a team of I like to call them my young generation, which I saw appreciate them of people in their twenties and thirties and being able to get them out in the community because it takes a village. I can't do it alone. So it takes a village to really bring the awareness and have access to a demographic I would normally have access to. So between me and my team, there isn't one person I don't see that I don't care where they're work, and I ask them, do you see yourself doing this for the next twenty thirty years?

You know some I don't know if you know when if you'd asked me why I was in my twenties because I was still trying to figure myself out, Laura, and you know, I was working at IBM, and I knew that wasn't the job for me, that wasn't my dream job. And so I always tell people what you do between eighteen and twenty two really defines what you can do for the rest of your life, because that's when you you are fearless. You're gonna go do whatever you need to do. Nobody can't tell you anything. That personality she'd sustain you should be the sustaining personality in your entire life.

You know some I don't know if you know when if you'd asked me why I was in my twenties because I was still trying to figure myself out, Laura, and you know, I was working at IBM, and I knew that wasn't the job for me, that wasn't my dream job. And so I always tell people what you do between eighteen and twenty two really defines what you can do for the rest of your life, because that's when you you are fearless. You're gonna go do whatever you need to do. Nobody can't tell you anything. That personality she'd sustain you should be the sustaining personality in your entire life.

I'm speaking with Laura Finny.

I'm speaking with Laura Finny.

You know she had a moment when she was fifty years old her fiftieth birthday, and guess what she told me?

You know she had a moment when she was fifty years old her fiftieth birthday, and guess what she told me?

Rashan, I wasn't.

Rashan, I wasn't.

Really clear because it was my fiftieth birthday, but I knew I had to make a change, and that my change was becoming financially literate. She has eight years of experience in the financial services industry. An expert in delivering personalized financial literacy programs, workshops, and one on one consultations, she helps clients achieve financial stability and success. She is passionate about assisting individuals and reaching both their short term and long term financial goals. Now, Laura, budgets, We hear that word a lot. Budgets, Like you said earlier, you know, paying young people tend to want to pay off loans real quick on their credit cards. Now, can you share some basic budgeting tips for individuals and families who want to get better control of their finances?

Really clear because it was my fiftieth birthday, but I knew I had to make a change, and that my change was becoming financially literate. She has eight years of experience in the financial services industry. An expert in delivering personalized financial literacy programs, workshops, and one on one consultations, she helps clients achieve financial stability and success. She is passionate about assisting individuals and reaching both their short term and long term financial goals. Now, Laura, budgets, We hear that word a lot. Budgets, Like you said earlier, you know, paying young people tend to want to pay off loans real quick on their credit cards. Now, can you share some basic budgeting tips for individuals and families who want to get better control of their finances?

Yes? Well, Number one, you have to have money. I like to call it an increased cash flow every month. Every month you should be in a position to save some sort of money. And so there's like four categories that I look at specifically where people are spending money when it comes to their finances, and it's hanging out, guiding out, shopping, and personal care. Sometimes I see anywhere from five hundred to most recently nine hundred dollars a month in any one of those categories that people are spending, and that's a lot of money going out. That's the first thing is really checked. See of those four categories, where can you streamline your your cash flow going out, the.

Yes? Well, Number one, you have to have money. I like to call it an increased cash flow every month. Every month you should be in a position to save some sort of money. And so there's like four categories that I look at specifically where people are spending money when it comes to their finances, and it's hanging out, guiding out, shopping, and personal care. Sometimes I see anywhere from five hundred to most recently nine hundred dollars a month in any one of those categories that people are spending, and that's a lot of money going out. That's the first thing is really checked. See of those four categories, where can you streamline your your cash flow going out, the.

Hanging out and dining out?

Hanging out and dining out?

There, hanging out and hanging out and dining out, that's the first really killers in your trying to streamline your budget.

There, hanging out and hanging out and dining out, that's the first really killers in your trying to streamline your budget.

Okay, okay, yep.

Okay, okay, yep.

And then the personal care. You know, I fire my barber because he charged me fifty dollars and my hair is about a shortage yours. There just has to be an accountability for the reasons. Now, you and I we're in the public, you know, we that's that. But for young girls going out spending you know, four or five hundred dollars a month on hair is just unreasonable because that's money that one hundred of that you can put away. So the first thing is really to look at when you're budgeting, how much can you really afford based on your current lifestyle and the lifestyle you want to live later and the other one is to make sure that you have an emergency fund. That one is so important. Don't care. I tell people, if you can save a dollar a day, you can have an emergency fund. It doesn't take putting away, you know, one hundred dollars a month or one thousand dollars a month. Just start where you are so that we create a new habit of saving. And so that's like the biggest thing for me right now with helping people budget is to really budget what you're eating every week. I have one client ask me about, how do you know avoid spending so much dining out when you know we have to go to lunch with clients, I says, who said you had to go to lunch with clients? Rashan, I'll do a walking meeting up at Gifts Gardens in Ballground, Georgia. Right meet me and Kennisa. Let's take a drive. I got fruit and nuts in a car for us, and let's go have a meeting in a beautiful environment. You can have a meeting in the park, but most people feel like, you know, to be a part of something, they need to have this persona that they can go out and eat three four times a week. Two three times a day, and that's just unrealistic. You can't sustain that. But that would be the biggest way is to really look at what your expenses are and to really cut back on things that are not a part of your necessities for every day living.

And then the personal care. You know, I fire my barber because he charged me fifty dollars and my hair is about a shortage yours. There just has to be an accountability for the reasons. Now, you and I we're in the public, you know, we that's that. But for young girls going out spending you know, four or five hundred dollars a month on hair is just unreasonable because that's money that one hundred of that you can put away. So the first thing is really to look at when you're budgeting, how much can you really afford based on your current lifestyle and the lifestyle you want to live later and the other one is to make sure that you have an emergency fund. That one is so important. Don't care. I tell people, if you can save a dollar a day, you can have an emergency fund. It doesn't take putting away, you know, one hundred dollars a month or one thousand dollars a month. Just start where you are so that we create a new habit of saving. And so that's like the biggest thing for me right now with helping people budget is to really budget what you're eating every week. I have one client ask me about, how do you know avoid spending so much dining out when you know we have to go to lunch with clients, I says, who said you had to go to lunch with clients? Rashan, I'll do a walking meeting up at Gifts Gardens in Ballground, Georgia. Right meet me and Kennisa. Let's take a drive. I got fruit and nuts in a car for us, and let's go have a meeting in a beautiful environment. You can have a meeting in the park, but most people feel like, you know, to be a part of something, they need to have this persona that they can go out and eat three four times a week. Two three times a day, and that's just unrealistic. You can't sustain that. But that would be the biggest way is to really look at what your expenses are and to really cut back on things that are not a part of your necessities for every day living.

You know, really when we look at the economy, like I was filling up my truck the other day, and you know, I just fill up, you know, and I'm not saying because I got it. Guess what, I got to put gas in the vehicle. Okay, And so you can complain, But guess what if you drive and stop complaining, Okay, you got it, I don't start walking. I can't walk because everything I want to do is so far apart. And so with that being said, the families, you know, you know, what can you do? You know when you got kids that going to school, you got you maybe a single mom, you might be even a single dad. You know, you might be in a divorced situation, or you might be a unified family. How do you look at trying to make sure your child feels good about life, but still having a budget that doesn't break break the break, you know, that allow you to have a future.

You know, really when we look at the economy, like I was filling up my truck the other day, and you know, I just fill up, you know, and I'm not saying because I got it. Guess what, I got to put gas in the vehicle. Okay, And so you can complain, But guess what if you drive and stop complaining, Okay, you got it, I don't start walking. I can't walk because everything I want to do is so far apart. And so with that being said, the families, you know, you know, what can you do? You know when you got kids that going to school, you got you maybe a single mom, you might be even a single dad. You know, you might be in a divorced situation, or you might be a unified family. How do you look at trying to make sure your child feels good about life, but still having a budget that doesn't break break the break, you know, that allow you to have a future.

Oh two things. One is you got to be a little bit creative. You know, when we were growing up, we didn't have as many options for entertainment, right, we we made our own entertainment we had. I was talking to a young lady today and talking about, you know, I'm gonna sit out in the backyard with my grandson's and we get the chairs around and we'll, you know, pull out the fire pit and have some fun that way, right, Things that don't cost money, so to speak. You know, if my grandson wants me to take him to, you know, some jumping place I'm looking at six, Well, here we go. It's just my five year old granddaughter.

Oh two things. One is you got to be a little bit creative. You know, when we were growing up, we didn't have as many options for entertainment, right, we we made our own entertainment we had. I was talking to a young lady today and talking about, you know, I'm gonna sit out in the backyard with my grandson's and we get the chairs around and we'll, you know, pull out the fire pit and have some fun that way, right, Things that don't cost money, so to speak. You know, if my grandson wants me to take him to, you know, some jumping place I'm looking at six, Well, here we go. It's just my five year old granddaughter.

You want to check your cheese. Oh gosh.

You want to check your cheese. Oh gosh.

You wanted to go to lunch And I said, well, do you want some chicken nuggets and chicken salace? He was like, no, I want to seize her salad. So I took her to us a round, got to seize a salad, and she said, I want a dessert. Forty five dollars later, I said, listen, I can't. I can't space. We can only do this like once a quarter, right, because you still got to be able to save. But the fun thing is that I also know I can make a really cheap but most delicious dessert which you and I'll talk about you and your food at another time because I'm totally intrigued. Okay, I can take two dollars and create the most amazing apple desserts that'll have anybody asking for more. So it really is just knowing how to stretch a dollar, but know that you don't have to go and support these other businesses and create generational wealth for those families versus being creative in your own space. Me and my daughters, we used to have slumber parties in the basement.

You wanted to go to lunch And I said, well, do you want some chicken nuggets and chicken salace? He was like, no, I want to seize her salad. So I took her to us a round, got to seize a salad, and she said, I want a dessert. Forty five dollars later, I said, listen, I can't. I can't space. We can only do this like once a quarter, right, because you still got to be able to save. But the fun thing is that I also know I can make a really cheap but most delicious dessert which you and I'll talk about you and your food at another time because I'm totally intrigued. Okay, I can take two dollars and create the most amazing apple desserts that'll have anybody asking for more. So it really is just knowing how to stretch a dollar, but know that you don't have to go and support these other businesses and create generational wealth for those families versus being creative in your own space. Me and my daughters, we used to have slumber parties in the basement.

Right right, right, right right, So it's.

Right right, right, right right, So it's.

A little bit more about being a little bit more creative as to what you can do to entertain your kids. And there are tons of free parks in and around Atlanta.

A little bit more about being a little bit more creative as to what you can do to entertain your kids. And there are tons of free parks in and around Atlanta.

You know this.

You know this.

This interview is about you and your brand that you've been doing and building for ageas when one contacts you, Laura, what is the process, what's the technique? And how do you bring somebody into your formatter your strategy to make their lives financially better?

This interview is about you and your brand that you've been doing and building for ageas when one contacts you, Laura, what is the process, what's the technique? And how do you bring somebody into your formatter your strategy to make their lives financially better?

How does that work?

How does that work?

The first one is a quick call. I want to understand why you called or why you would like to sit and talk so I can get a better idea of where you are and what you want to do. The second one is to really sit down and just interview you so I don't like you're doing me right now about everything that you want now and in the future. Basically, what are you getting up for every day. It's not to pay bills, it's not to go on vacation in six months. What you get up for today is what's going to affect you ten years from now in your life. So let's focus on what that looks like. And then the next appointment is coming back with a strategy with ideas six steps starting from where you are now to get you to where you want to be.

The first one is a quick call. I want to understand why you called or why you would like to sit and talk so I can get a better idea of where you are and what you want to do. The second one is to really sit down and just interview you so I don't like you're doing me right now about everything that you want now and in the future. Basically, what are you getting up for every day. It's not to pay bills, it's not to go on vacation in six months. What you get up for today is what's going to affect you ten years from now in your life. So let's focus on what that looks like. And then the next appointment is coming back with a strategy with ideas six steps starting from where you are now to get you to where you want to be.

Wow, you know, I really look at myself when I talk to any individuals like to do in this financial literacy community. There are so many misconceptions about money management and can you address any of them?

Wow, you know, I really look at myself when I talk to any individuals like to do in this financial literacy community. There are so many misconceptions about money management and can you address any of them?

I'm just you know, radio silence is bad, right, But that's one of those ones that really gets me really frustrated because when I do see it, people don't manage it well because again they're living for today and tomorrow and next month and not for you know, down the road and I think that's the biggest thing is helping people understand that. You know, that's the whole thing about chasing money, right, you can't chase something And you mentioned something that if you don't mind, I want to circle back to about like the single moms or you know, parents who are living paycheck to paycheck. Is we all know that you have to increase cash flow. You can't save money based on where you are now if it's already a struggle, So how do you increase cash flow? And that's helping these parents understand that you can't keep adding more hours to your day. You can't take more time away for your kids. But understanding and being in an environment and having good contacts to talk about what residual income looks like for you so that you don't have to go out and work a second or third or fourth job, but you can still increase that cash flow coming in because sometimes it just feels what it is, you can't squeeze another hour out of their day, right, But then how do I manage that? And manage that is knowing that you have a financial plan and that's what you get up for every day. Nobody can sway me to take a trip, you know, because I know that in the next three months, I want to do something else with this money. But many people are like, my dear friend that's listening, she's gonna kill me. But you know, she wanted to take a trip to Jamaica and it's gonna run her almost one thousand dollars. And I said, what's your budget? She said, I don't have a budget.

I'm just you know, radio silence is bad, right, But that's one of those ones that really gets me really frustrated because when I do see it, people don't manage it well because again they're living for today and tomorrow and next month and not for you know, down the road and I think that's the biggest thing is helping people understand that. You know, that's the whole thing about chasing money, right, you can't chase something And you mentioned something that if you don't mind, I want to circle back to about like the single moms or you know, parents who are living paycheck to paycheck. Is we all know that you have to increase cash flow. You can't save money based on where you are now if it's already a struggle, So how do you increase cash flow? And that's helping these parents understand that you can't keep adding more hours to your day. You can't take more time away for your kids. But understanding and being in an environment and having good contacts to talk about what residual income looks like for you so that you don't have to go out and work a second or third or fourth job, but you can still increase that cash flow coming in because sometimes it just feels what it is, you can't squeeze another hour out of their day, right, But then how do I manage that? And manage that is knowing that you have a financial plan and that's what you get up for every day. Nobody can sway me to take a trip, you know, because I know that in the next three months, I want to do something else with this money. But many people are like, my dear friend that's listening, she's gonna kill me. But you know, she wanted to take a trip to Jamaica and it's gonna run her almost one thousand dollars. And I said, what's your budget? She said, I don't have a budget.

I was like, it kills met with a budget?

I was like, it kills met with a budget?

And lor, how can we get in touch with Jazish? Wrap up this show. You're fantastic.

And lor, how can we get in touch with Jazish? Wrap up this show. You're fantastic.

They can reach out to me via my website. There's a contact form on the page. It's my first name, Laura l A U r A. My last name is Finny f I n n e y. The word enterprises, so Laura Fenny enterprises with an S dot nex. They can fill that out, tell me why they want me to reach out to them or why they're reaching out to me, and I'll be sure to get back with them.

They can reach out to me via my website. There's a contact form on the page. It's my first name, Laura l A U r A. My last name is Finny f I n n e y. The word enterprises, so Laura Fenny enterprises with an S dot nex. They can fill that out, tell me why they want me to reach out to them or why they're reaching out to me, and I'll be sure to get back with them.

Ah, you're fantastic.

Ah, you're fantastic.

Thank you for coming on Money Making Conversations Masterclass laurafinny enterprises dot net.

Thank you for coming on Money Making Conversations Masterclass laurafinny enterprises dot net.

Okay, thank you, Rashaan, I appreciate you.

Okay, thank you, Rashaan, I appreciate you.

This has been another edition of Money Making Conversation Masterclass posted by me Rashaun McDonald. Thank you to our guests on the show today and thank you our listening to audience now. If you want to listen to any episode I want to be a guest on the show, visit Moneymakingconversations dot com. Our social media handle is money Making Conversation. Join us next week and remember to always leave with your gifts.

This has been another edition of Money Making Conversation Masterclass posted by me Rashaun McDonald. Thank you to our guests on the show today and thank you our listening to audience now. If you want to listen to any episode I want to be a guest on the show, visit Moneymakingconversations dot com. Our social media handle is money Making Conversation. Join us next week and remember to always leave with your gifts.

Keep winning.

Keep winning.