All right, everyone, I am super excited about the guests that I have for you today. I'll give her a chance to introduce herself in a little bit, but I want to catch you a little bit off guard. What I want to do is play an icebreaker to make us both comfortable, so I'm going to ask you a series of would you rather? Questions that are parenthood related, and you'll let me know which one you would rather do. So the first one is would you rather change your baby's diaper or deal with them while they are crying in the car? Change the diaper. Change the diaper, okay. Would you rather deal with a diaper blowout or try to get them to go to sleep?

Speaker 2: 0:44

Diaper blowout, crying now. Yes, my kids are older, so now crying gets to me more than it used to. So, diaper blowout, I'll put you in a shower.

Speaker 1: 0:53

Okay, okay, would you rather try to calm them down when they're inconsolable, or stay up all night with them where you can't go to sleep.

Speaker 2: 1:06

Stay up, stay up. Yes, ma'am, that crying is really. Clearly I have an issue with crying, I know. No, as I get older I'll be like what's that noise? So yes, I'll stay up.

Speaker 1: 1:20

Okay, how about? Would you try to get your baby into a car seat or give them a bath?

Speaker 2: 1:29

I'll give them a bath. They hate car seats. Sometimes they go like this from their body straight. I remember Yep.

Speaker 1: 1:38

Would you rather spend 30 minutes in the car with your baby crying there's a crying again or take them to a doctor's appointment where they will get shot?

Speaker 2: 1:48

I'll be crying over them being, you know, getting shot. That's painful. I don't want them to be Okay.

Speaker 1: 1:55

Okay, this next one is would you rather pay for daycare or have your mother-in-law moving with you?

Speaker 2: 2:05

That's a tricky one. Let's see. For my track record, I can hear the law with the mother-in-law, so and. I'm a financial advisor. I'm trying to keep all my money, so I'll suck up the mother-in-law, okay. So craziness over spending my money.

Speaker 1: 2:22

Yes, I'm keeping all my coins. Good answer. Would you rather watch kids' cartoons all day long or spend all day at the park with your baby?

Speaker 2: 2:32

I'll spend at the park. I like running and doing monkey stuff. Okay, I'll be outside with them?

Speaker 1: 2:38

Yeah, awesome. And the last one that I have for you is would you rather drink everything from a baby bottle for the rest of your life, or wear a diaper for the rest of your life?

Speaker 2: 2:55

I would drink everything. What a question.

Speaker 1: 2:58

I don't know, I have to throw something crazy in there. So that's what it came to mind, that's hilarious. We'll take the baby bottle, awesome, awesome. So you'll have to try to get steak out of there and all the solid foods out of a baby bottle just.

Speaker 2: 3:16

See, I didn't specify I love my life. Well, thank you.

Speaker 1: 3:28

Yeah, For sure. Well, thanks for humoring me. I wanted to just get you as comfortable as possible for the interview, and myself as well. I'm always nervous for these things because you know it's hard putting yourself out there. So thank you for accepting the invite for the interview. I really appreciate it, and with that I want to give you a chance to introduce yourself to my listeners.

Speaker 2: 3:51

Sure. So hi everyone. I'm on podcast. My name is Manny, also known as Walla for Ball Street. I am a mother of two eight-year-old and a 13-year-old Prodigy from Senegal work in the US. I am a financial coach, an author. I recently just released my first book, called Workwise, volume One, and I am truly passionate about educating. You know my community as well as anyone who doesn't have exposure to financial literacy, which is why I started my Contel2C firm, which is the Walla for Ball Street Inc. And that's how I got here by just wanting to share my expertise in the little that I do know with everyone.

Speaker 1: 4:36

Okay, so I want to ask you. Well, first, thank you for that introduction. I think my guests will be able to learn a lot from you. I myself am already learning a lot from you. I'll talk about some work that she does, that she's helping me with, and you guys can also get that same help. But I want to start off by asking what exactly is financial literacy? We always hear it on social media, but what is financial literacy?

Speaker 2: 5:00

So, in layman term, how I could give a brief definition of financial literacy is just having the knowledge right to understand financial concept, from budgeting to retirement savings, to saving for various reasons. It's just having the knowledge to use those tools to your advantage to better your life. So if considering someone financially literate is someone who is able to know that they must start saving for retirement early, or who have a budget and know what to put into it right, or know that they should have an emergency fund, so just when you gather all those various concepts, we can continue as someone who's financially literate. So just the knowledge of how to handle anything related to your income, okay, got it.

Speaker 1: 5:49

So do you think that this notion already exists within the Senegalese culture, or is it a matter of formalizing?

Speaker 2: 5:56

it. To be quite honest, financial literacy doesn't exist in any culture, even in America. Here we're not taught how to budget in school I went to school. Here we're not taught how to save for retirement, nor are we taught how the concept of taxes. So it's not in any culture. Because if you look at the broader spectrum and the system quote, unquote it doesn't benefit the system, it doesn't benefit the banks, it doesn't benefit even the government. That is a huge concept. So it's not in any culture. It's not really. There are bits and pieces that some of us have been exposed to, but it's not in any culture. So definitely not in the Senegalese culture. Now, Gotcha.

Speaker 1: 6:45

Okay, I didn't think about the fact that it doesn't benefit businesses and the government. That's a new thing for me to realize. The more people know, the more informed decisions they'll be able to make, and that doesn't work for them. That's interesting, no. So what steps can we take in this day and age to become more financially literate? And I'm talking more, for, like you know, we always talk about your 20s or your times to mess up your credit, that your 30s are the time to fix it. How can we break from that and actually become more financially literate at an earlier age?

Speaker 2: 7:20

But start by unlearning those types of concepts, right, because we are taught as a society that we are supposed to work till 65. So if you spend your 20s wasting it, you are so far behind and you are going to work up to that 65 number, right? So, just unlearning. And if I had, like, a reset button, I would be busy today, like when I was 15, like having my first job. I will open my rough IRA and contribute as much as I can. So the first step will be just knowing that, hey, who does this benefit, this content? Why do I feel like I should spend money that I don't have by using credit cards? Right, this is not helping me Because, like you said, it's messing up my credit, it's putting me in debt, which means now I am bound to work longer to pay that debt. So just cut off that mindset and also start taking responsibility. Fine, just like we take responsibility for various aspects of our life, knowing that, hey, I should tighten up, I should learn these skills.

Speaker 2: 8:30

Yes, it's not taught in schools. Yes, you know, culturally it's not something that's talked about, all you know. But you as a human, as an adult, especially a young adult your 20s, that's when you're usually done with school. That's when you have your first job. That's truly giving you income. Just being self aware. Open start by having a budget, knowing what you're worth, what you can afford, what you have, where it's going. So that would be the first step.

Speaker 1: 8:57

Got it, got it. So you mentioned working up until 65. Do you think it's possible? I know it's possible, but based on your experience, do you think it's realistic if you have just done quote, unquote normal job, to retire before 65?

Speaker 2: 9:11

If it's just a regular nine to five and you abide by these rules of just having a crazy car note you know, going out every weekend or going out a few times a night to buy food you are going to work until 65. But if you straighten up, you have your budget, you have your goals. Retirement is not an age, it's a number. So if you know that you need $30,000 to survive yearly, you time that by 25, that's the ideal retirement amount. So it's not an age, it's you reaching this X amount that you set for yourself to be able to survive. So it is just a regular nine to five. I won't say it's impossible, because some people do make seven figures in their nine to five, eight figures, right. So those people, if their lifestyle is not outrageous, they can easily retire in their 40s. So it's not doable. But if it's just a regular average Joe, it's a little bit harder. You'll have to come up, be very creative as far as income.

Speaker 1: 10:16

Okay, I like that. That is a number, not an age. We're usually not taught it like that, but it's helpful to think of it that way, especially when you think of multiple sources of income. Just how quickly can you get to that number really Exactly?

Speaker 2: 10:34

That's how I view it. I view everything with just number wise, not time. Just, even if I'm spending money $100 on a Zara dress like okay, based on how much I make an hour, how much is this dress costing versus it's just $100 or it's on sale because they make it? You know, all good because it's on sale, but okay, did I have to stand four hours at my job? If I make $25? Is this worth it? You know it's a time and an amount concept versus just a price.

Speaker 1: 11:03

Gotcha. That's a new way of thinking that a lot of us don't have, because here we're just taught to just spend, spend, spend. Like you said, if you get a credit card, the goal is to spend it. But actually learn from an e-confer, a professor back in the day, that he had a credit card for gum. He opened a credit card and he'll just buy gum on it and pay it off every month, and that was his way of maintaining his credit, because I don't have to spend $1,000 just because that's the credit limit.

Speaker 2: 11:34

Exactly, yeah, I mean that's. It's just like you know those secured credit cards right? Typically, when people start building their credits, they because you have to have credit. It's a vicious circle you have to have debt in order for you to have credit and just like you have to have credit in order for you to have debt. So just a secured credit card. I remember when I started building mine, I had two of them from Fifth Third Bank I don't even think that bank is still you know around but one of them I only used it for gas, so I know I'm going to spend money on gas. I know I spent on average of $30 a week on gas, so I'll make sure that I've used that card and just pay it off for that. So I like that concept from the e-con thing.

Speaker 1: 12:13

Yeah, Absolutely, absolutely. So what are some of the barriers to being financially literate that you've seen?

Speaker 2: 12:21

Well, the major one is the one, like I addressed earlier, the fact that it's not. There's no formal training. It's not taught in schools. We know how to do math, we know how to read, we know how you know certain content because we are taught it in school. You spend you. Most of our knowledge, you know, are schools. So the number one barrier is the system just hindering us from knowing this by not teaching it. So the second one is the mindset. We have quotes like hey, you're low, right, you only need one. People use it typically. I see memes online. You know people being torn between you. Only leave one, so go ahead. And or the paycheck to paycheck, oh, I'll get paid again, so just taking a step back and tuning out the noise. Because and it's it's normal for for us to see all these things because the, the lobbyists or the big thing behind it is the banks.

Speaker 1: 13:16

Yeah.

Speaker 2: 13:17

If you you and I are not in debt, the bank is not making money. That's true. Interest rate is what's holding out the economy Right.

Speaker 1: 13:25

Yeah.

Speaker 2: 13:27

So just just knowing, just having this aha moment, that, hey, I have to do better and tune out the noise. So the number one barrier is the fact that we're not taught it so going and taking responsibility, seeking knowledge but that's taught with the mindset, by knowing that, hey, this is not sustainable, I have to break this cycle.

Speaker 1: 13:47

I feel attacked because I've been a victim of that way. I'm like self care and I deserve this.

Speaker 2: 13:56

Yes, no, the new one, the new one that I'm, that I'm dying, is the soft life, right, yeah, soft life meaning I'm spending all this money that I don't have.

Speaker 1: 14:07

Yes.

Speaker 2: 14:08

I have a line of credit, so it's not mine to achieve this temporary you know happiness. Yeah, that yeah, and that is temporary misery, because now you're bound to work to repay it.

Speaker 1: 14:23

Yeah, it's. It's a mindset. We have to change it, I know for many times I've had to check myself. I used to have a purse addiction and I have to stop and be like I have all these purses that I don't put anything in. I do have one purse that I use for everything, and then all the other nice purses that I bought. They just sit there. So had to get out of that cycle of buying purses just because they look nice. I'm not using them. It's a waste of money. So it's a mindset.

Speaker 2: 14:49

Yeah, we all have it Purses minus shoes. We all have our things. Okay so, but you don't just break out of those things because you want to be happy also. So it's okay to buy a purse, right? Just plan for buying the purse, just plan for it, like, okay, yes, I want this new, you know XYZ purse that's coming out. So every month I'll put money aside for it.

Speaker 1: 15:14

Yeah, yeah. Yeah, just don't be impulsive, yeah it takes discipline, especially when you have a job where you know how much you're making. I'm going to speak well for a little bit here, because my dad had something like. He said something a couple of years ago and I think I forget which like spiritual guide said it, but he said like it's like I heard it.

Speaker 2: 15:42

It changed my life when I heard it.

Speaker 1: 15:43

Yeah, it's like you're not going to go above this. That's crazy.

Speaker 2: 15:48

Yeah, yeah, and it's scary also. Yeah, because now this is what if you lose that, right? Yeah, yeah, that's the true definition. I heard that before and it hit home.

Speaker 1: 16:03

Yeah, it hit home for me too, because it's a true definition. It's like one level up from paycheck to paycheck. It's like it's not even paycheck to paycheck anymore, it's just this paycheck is the only thing you know. Yeah, that's it. Yeah, yeah, no, that's good. So I want to ask you what steps can we take for those of us who have made financial mistakes in our younger years? I think part of the soft life is financial literacy Is how do you become more comfortable in your later years of life? So how can we repair some of those mistakes that we made? How can we make tactical decisions to become more financial literate and become more financially stable? I know you mentioned having a budget is one.

Speaker 2: 16:47

Right, yeah. So when you always start with having a budget, because, in order for you to just like when you go to the doctor, they will take your blood, they do a diagnostic you cannot get ill without knowing what's wrong with you. So first step is you write down what you need, right, what you have. Then most budgets even have somewhere for you to input your debt, because those mistakes typically need us to be embedded, right. So then you have to look at also as an individual. You know your goals, right. Then you match your financial needs to your goals and see what aligns Goals meaning, I know you just had a baby, right. So okay, let's say, your baby in 18 years. You want to make sure that she doesn't depend on goals I mean loans, student loans, right. So you have to say, okay, I'm a mom, I'm a mom, I'm a mom. I know one of my goals is for education savings for my, for my daughter, right.

Speaker 2: 17:46

So, now, this is what you want, right? So this is your vision for the lines which you need when your husband as a family. Now you have your budget. You know that, hey, before I can even do that, I have that payment because most of my paycheck is going on this 20% interest credit card. So now your first step is your budget. You know where you need to happen and there's a discipline aspect. Right, you can write down everything, have 50,000 vision board and budget, but you have to do a conscious decision to actually follow it. That's not something you can teach. That's not something Dave Ramsey can teach you. Yeah, that has to be in you to say, okay, in order for me to achieve my you know this education savings account, I need funds to fund it, but most of my fund is going to debt repayment. So, okay, I have to be disciplined to tackle this step first, which is repaying the debt, and then I know I can start funding my goals and having this thing that aligns with my family.

Speaker 2: 18:50

So, yeah, and we all made mistakes. I'm talking as someone who did it all. Like Jay-Z says Jay-Z did that, so he doesn't want you guys to do this. This is vision. I made all the I came. You know, I can't go on and on about all the craziness that I made because I wasn't exposed to fighting, to literacy.

Speaker 1: 19:09

You know I came here, young, you hear about it.

Speaker 2: 19:12

but you see credit cards and it's like oh, this is free money, yeah so. But don't don't beat yourself up. You can start today. It's never too late to do good.

Speaker 1: 19:20

Yeah.

Speaker 2: 19:21

Private on paper. No way, you need to happen and be disciplined.

Speaker 1: 19:25

That's something that's in you. So how do you balance though I heard you talk about, you know, prioritizing debt repayment versus savings. How do you balance that? When we talk about having limited funds, right Is, if you, should there be a trade off between if you can pay off 100% of your debt in one year and forego an emergency fund? Should you say then, oh, maybe I'll do 80% of my debt and have 20% in the emergency fund? Is there? Is there anything that can happen like that, or should you always prioritize that repayment?

Speaker 2: 20:05

Well, so when we talk about debt repayment, some debt are actually good for you, right, like that in your mortgage. Yes, that's good debt, a debt of something that's bringing your money. Let's say even a car payment. Let's say you have a car note, but your car is listed on two rows, so it's paying for itself. So when we talk about debt repayment, is you usually consume a debt? Okay, yes, so the credit card. So if someone has limited funds, like you mentioned, and they don't want to create emergency funds, just balance it. Look at, call your credit card company. For instance, if someone has $10,000 in credit card debt, you get creative. They have consolidation methods. Just chop up that card, put them all together, try to get a loan that's going to lower it, and then now you have maybe one payment or you have called these credit card companies to negotiate a smaller interest rate and then just take, even if it's you know 10% or whatever number it is.

Speaker 2: 21:14

I don't want to give numbers because you know it's it's a bit on your situation, but save a little bit for a rainy day. You can do a lot of stuff, but you know, at the same time you don't have to always okay, I'm just going to focus on this and then do this. You can do all of it at the same time because emergencies do happen, right.

Speaker 1: 21:30

Yeah.

Speaker 2: 21:30

Yeah, but just be organized like, just just take all the steps to, to, to have all the odds with you. So call the credit card company, try to get a loan to consolidate and also put just a little bit if you're able to. Or you know, in this day and age, unless you're really really, really old or you know, don't have a lot of means there's a lot of ways to make extra income. Try to find more money, like honestly, like with the internet, with our phones, we can make so much money.

Speaker 1: 22:02

Yeah.

Speaker 2: 22:03

You have a gap of, you know, $500 a month. You have downtime on Saturdays instead of paying the fee for or at home watching YouTube videos.

Speaker 1: 22:14

Go drive Uber.

Speaker 2: 22:15

Yeah, it's creative To me those goals. That's that discipline thing that's gonna help you and you know, if you do it, they're gonna hear what Senegal said a son to two feet for like one year, bubble up and then I keep, you know, to pay off your debt and you know, long term you're going to thank you. Your future, you know, because you sacrifice your Saturday by driving over to be able to pay off that debt and you know we plan to show emergency if you use it for an emergency. Yeah, absolutely make sacrifices.

Speaker 1: 22:45

I think that that's a really good segue into kind of the next portion of the interview that I want to talk about, which is how to make those decisions as parents. In our culture we don't do that. We just live day by day. And the other partner, god, is good and yes, he is, but how can we be more conscious parents, more responsible parents and not just bring the kids into the world but take care of the kids in the world All?

Speaker 2: 23:15

right.

Speaker 2: 23:16

Yeah, I think we we struggle with that. You know, yeah, love them. And, goofy Indian, I love John Mulak, which is true, right allies, the best of providers, right, but he also gave us intellect In a me allea, the best of all. He gave us intellect and he expects us to use it. I can't say that, hey, I'm a child, I want a big family of 10 kids, but I can't even afford myself as a human. Yeah, that's planning. I mean, you know there's Sciences here to help us plan. So, before you do get married, or before you do have that kids want to marry, what are you doing to make sure that when that baby is here which is going to be a big transition You're gonna have less time? They they deserve for a parent to be around to take care of them, but you learn that you will indeed be cared within six weeks, like the normal way of doing things in the US, if you plan better. That's actually one concept that I like, being Coming, being from two countries, right, I see here often I've had clients that what they do is they get married, they put their income together. That's different from art, teaching, right, culturally, and Islam and stuff, but if you're able to order. They have a plan that so they like. Okay, so we are married at 25.

Speaker 2: 24:33

I, we know we want to have a family, but we have this goal of. I know, you know we spend $40,000 a year. If we had a baby today, one of the parent ideally will stay home to care for that baby at least the first year, right? Yeah, kids need, you know, they need time, they need affection. Babies need their parents. That's just my vision. Everybody has their own. So so we know we spend $40,000 a year right now. We both have income, right, and it's not gender specific. But in five years, when we do have a kid, ideally one of the parents will stay home, which mean now our income will be less. So now, let's stop planning for that here, right? Let's? Let's have a you know Some families have joint account. Let's have a savings account, muhammad, and it's for when we do have the start of family and we know we need 40,000. In five years, with inflation, let's say, it'll be 50,000 that we need to survive. Guess what they do Every month while they're getting to that point. They're putting money in that savings For that kid. That's not even here yet, mmm. That's how you're able to see Suburban families. Usually they have to stay at home parent in the beginning, at least the first few years, and that's commendable.

Speaker 2: 25:51

I've always been like, oh, this is so cool. I mean, you know not, both parents are out of the house. How do you know? Just like the COVID kid. You see how there's like, I have a COVID niece. My shell is she's. She's so smart. Yeah, because she had all this attention, she had all these people around them. She is on another level. You remember those videos of those kids climbing, those climbing? How do you think they able to do all that?

Speaker 2: 26:18

Because, they had the time. So they're crazy, but they're just blossom because they have what they needed, because people stayed home with them. Yeah, I feel like every kid deserves that Absolutely. You know and the need you lend the game the day care. You know what you're getting, you're paying money and you're getting a new disease every week.

Speaker 1: 26:39

Yeah, I've been there. That's true, that's very true. I think, as you were talking, I just started putting together in my head like financial literacy. It encompasses so many things. It's emotional wellness, it's mental health, it's like family stability, it's generational wealth, like there's so much that goes into it when you plan your life better. And I'm I'm learning gems here. This is like things. These are things that I'm gonna apply in my own life, because I didn't think about what you said about If you know, in five years or in four years, inshallah, you want to have a baby, you plan for that. Now, we never do that. We always just kind of cross that bridge when we get there, I think, and that it's a disservice to us, a disservice to the kids, and I think it's a disservice to our intellect that you mentioned that Allah gave us, like we are smart, able beings, so we should put that into practice.

Speaker 2: 27:33

That's the difference between us and animals. Literally that's what it says in the Quran. So why not just maximize? Like we need to stop living ourselves and viewing the religion in just. You know, karejuliki, no, no, no, push a little harder, you'll see that everything we're taught you know, we can use it to our benefit. Absolutely, absolutely so what would you tell me?

Speaker 1: 27:53

Yeah, hello by subtle. That's the model for this episode. What's your take on life insurance?

Speaker 2: 28:01

So life insurance? So how do you want me to answer as financial professional or who's muslim? Yeah, so you know I'm. I know there are a lot of school of teachings, right?

Speaker 2: 28:16

But, one from the one from my school of thought. Life insurance is not allowed. So that's yeah. However, education savings account is allowed. Savings Is it? Buying assets for your children is allowed.

Speaker 2: 28:32

All those things are Pascal alabas. Life insurance is just so that, if you know, the worst happened, the unfortunate happened, your kids or whoever you live in behind is taken care. So there are systems that are in place that you can do, you know, as a parent, to make sure that your kids are fed. Yeah, it's just all about, you know, just having those goals, setting them up. But I think the most important thing, sakhmoy, just teaching them the tools, because you can give them all the money in the world. If they're not financially literate, well, I'm going to jump. I'm going to go and get my kids Guess what? They're going to blow it.

Speaker 2: 29:09

So, when it comes to life insurance, I feel like, aside from investing for them, setting them up, the best insurance we can give our children is what we teach them. No, no, no, it's something that we can't take away. Soon, you know, young they are, soon you'll be jugger, they're going to be doing money, money, money, money, and then we'll be better off. They'll be better off in the team what we teach them as far as concept, since this is an episode more like talking about money, but teaching them how to get a house what we need in the bar. That's better than anything. So I personally don't have insurance. Ooh, our baby is up.

Speaker 1: 29:45

You here? Yeah, she's up I love it.

Speaker 1: 29:49

But I wanted to ask that question because I think it's relevant for this discussion. You know, we're layering a lot of things on top of each other, so we're talking about money, we're talking about religion, and so I think it's important to bring that up, because everybody is able to make the decision that works for them. But because we're talking about money and life insurance is an aspect of that feature planning I wanted to bring it up, not to put you on the spot, but to get our listeners just thinking about what are the ways that we can learn, just like fact wise, here is how you manage money. But from a spiritual perspective too, how can we make sure we're making conscious decisions and not just taking, taking, taking without analyzing?

Speaker 2: 30:29

Correct. I mean there are different concepts too that are, I would say, muslim friendly, like having a trust where you put all these assets and all these good things and then setting goals Like, ok, at 18, you can touch this much of the money when you graduate from college, you can have some of this money. All these are things that you're helping them and guiding them and setting goals even for them. Noham Thene is going to push them to be better. Or I've seen trust that the family could not touch it until they were married. How many? It's any class. You can do whatever you want to. So all those are different things that we can look at as Muslim Sinigalist people If we do want to stay away from life insurance.

Speaker 1: 31:12

Absolutely, absolutely, and I think for those of us who are in corporate America or just any job, really talk to your HR department and find out what resources they have. You can talk to an advisor who can look at your paycheck and help you allocate it. They can look at your future planning and really help you with that. But if you don't have that, you have the will of Wall Street. So I want to encourage my listeners to reach out to Biju, even if you have that.

Speaker 1: 31:39

I have that through my employee and I'm still using Biju because I think you can never have enough, especially if you're looking at it from the halal perspective having someone who understands our reality. I'll give an example. I went to therapy a couple of years ago and I was talking about oh yeah, I work, I make this much and I help my family, and he was like what you do? What? I was like, yeah, I help my family. And he was like why? And so just that little example of not having someone who understands your situation. We work, we make money, but we have a lot of complexities that go into the money that we make and it's not all ours. So I think it's nice to work with someone who understands that, who comes from the multicultural background, and so I'm going to encourage all of my listeners to reach out to Biju and get some financial advice. If you want to add anything to that, biju, feel free.

Speaker 2: 32:35

Yeah, I mean, like you said, it's very important someone who can relate to you, because there are certain things that we do that no one can understand. We take a cynically suit to understand certain concepts. So, yeah, I'm here too and I do this. This is truly my passion. Everybody will be like, oh, I'm so passionate about this. I can talk about financial literacy and money all day. I do this all day. I'm not asking 50,000 questions Because you know what. I think it's coming from trauma, because I've made those mistakes and I like sharing what I know. The little that I do know. It makes me feel better. That's how much I have, my dignity. But whatever I know, I will freely give it. So we're only strong as the community we have. So, yeah, I'm here.

Speaker 1: 33:19

Well, thank you for that. I really appreciate it and I appreciate the time today. I know that you're busy and there's a lot going on, so thank you for coming and talking to us about financial literacy. I'll be sure to share your information through the episode description when I publish this episode, but thank you, thank you. Thank you for the time.

Speaker 2: 33:38

Yeah, my pleasure. Thank you. You guys can reach me. I have. My website is the world Justwallaforforstreetcom, and a lot of things that I talked about today is actually already in my book, the World Wide. So if you, want to talk about e-book copy.

Speaker 2: 33:53

Yes, a lot of gem. It's a memoir to my mom and Mike, and the same A lot of things that I shared today is actually there are a lot of concept that are already in the book, so just go to the website and you'll be able to get a copy and hopefully learn more. Or reach out to me. I'm available online. I'd be happy to help.

Speaker 1: 34:16

Well, thank you. I hope you enjoy the rest of your day, that's it.

Speaker 2: 34:21

You too, ida. Thank you, take care. Thank you, bye, bye.

The Jeune Maman Podcast

E14: Financial Literacy with The Wolof of Wall Street

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