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2:25

You know, I've just listened over

2:27

the years and my articulation has

2:29

gotten better and My my kitchen

2:31

my wife corrects me and I've

2:33

listened to her and because you

2:35

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you have to continue to Be

2:40

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2:42

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you might can perceive it negative

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comments, but if people are set

2:48

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2:50

to make you sound better be

2:52

better, educate you and to a winning

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situation. Because I want when you guys

2:57

hear me to be able to hear

2:59

the words correctly, the information correctly, and

3:01

that's what money making conversation is all

3:03

about. The interviews that I do on

3:05

this show and the information that this

3:07

show provides, it's for you, it's for

3:10

everyone. And I always tell people it's

3:12

time to stop reading other people's success

3:14

stories and start living your own life,

3:16

not anybody else's, because it's you, it's

3:18

you when you wake up, it's you.

3:20

You know, God wakes you up. Is

3:23

that alarm clock sitting there? But guess

3:25

what? I always beat my alarm clock

3:27

up. I don't know why. It's

3:29

not so it's not waking me up. And I'm

3:31

here to tell you, you can reach your American

3:34

dream. Just keep listening and listen with people. Give

3:36

your advice. Listen with people when you tell you

3:38

you need to do something that's going to make

3:40

your life harder. It might be

3:42

harder, but it's going to make it

3:44

better because nothing's easy long term. Nothing's

3:47

easy long term if you

3:49

want to be a guest

3:51

on my show, please visit

3:53

moneymakingconversation.com and click the be

3:55

a guest button Wow, let's

3:57

get stolen My guest today

3:59

empowers businesses and individuals to

4:01

succeed by offering strategic financial

4:03

strategies, expert guidance, and tailored

4:05

business solutions. As a

4:07

dedicated financial professional, she is committed

4:09

to empowering individuals through comprehensive

4:12

financial education. Please welcome to Money

4:14

Making Conversations Masterclass, Laura Finney.

4:16

How you doing Laura? I'm

4:19

doing wonderful, Rashad. How are

4:21

you? We all are dreamers and

4:23

I can't tell you how

4:25

to be successful. What is the,

4:27

I wouldn't say frustrating, because

4:29

you know, you got a system,

4:31

you've done this enough to

4:33

know, but what are some of

4:35

the mistakes that people make

4:37

when you're trying to plan a

4:39

proper financial strategy for them? You

4:45

know, I was thinking about

4:47

the honestly question while I was

4:49

listening to your other guest. And

4:52

I'd probably say the biggest one

4:54

is listening to or taking advice

4:56

from someone who don't know what

4:58

that person's long -term goals and

5:00

dreams are. People put, you

5:02

know, products and services in place

5:05

based on information they hear or

5:07

course that they took or, you

5:09

know, someone's podcast. And honestly, I

5:11

really appreciate that because I love

5:13

it when people are doing something

5:16

to say for their future. But

5:18

a financial plan is more than just

5:20

saving. It's allowing you to be able

5:22

to live life on your terms. And

5:24

that comes with a very, very strategic

5:26

planning to make sure that, number one,

5:28

you don't have to go back to

5:30

work when you decide to retire or, like

5:33

I like to say, live life on your

5:35

terms, because nobody's really retiring. But

5:37

when you say that one more time, Laura,

5:40

say that one more time. Nobody's

5:42

really retiring. Please, please tell my audience

5:44

that. Please tell my audience that. No

5:47

one really retires, you know, we're not

5:49

great grandma sitting on the front porch

5:51

with some lemonade rocking back and forth in

5:53

the chair We're not doing that what

5:56

what retirement means now which I now call

5:58

living life on your terms It's being

6:00

able to say okay I'm in a

6:02

financial position to never have to work again

6:04

at this age and be

6:06

able to do whatever I want to

6:08

do, which is either do more philanthropy

6:10

work or travel or actually embark on

6:12

a passion that they had outside their

6:14

full -time job. True. Let's get started here.

6:16

I want to ask you a couple

6:18

of questions. My first question I want

6:20

to do is, what inspired you to

6:22

become a financial coach and a financial

6:25

literacy educator? What inspired you? Oh,

6:27

it was it was two things,

6:29

Rishan. The first one was it was

6:31

a day after my 50th birthday

6:34

party. And you can only imagine how

6:36

sober I was in that moment.

6:38

And my cousin asked me if I

6:40

had a financial plan for the

6:42

future and what my retirement looked like.

6:44

And I didn't know how to

6:46

answer that articulately, so to speak. You

6:49

know, we save, right? We plan on never

6:51

having to go back to work again and

6:53

maybe rely on some social security along with

6:55

it. And then I realized that that wasn't

6:57

it. And I realized that I'd have to

6:59

give up a lot of the cable channels

7:01

that I watched, you know, 10 or 15

7:03

years from now. That was the first thing

7:05

is that I didn't know what I didn't

7:07

know. And so having her

7:10

explain to me what that looked like

7:12

was an eye opener. And then

7:14

the second one is I grew up

7:16

in the South suburbs of Chicago and

7:18

my grandfather had over about I want

7:20

to say 12 to 15 acres of

7:22

land and it was farmland we grew

7:24

fruits and vegetables and it pigs and

7:26

horses and chickens and He built a

7:28

concrete home on that land, but when

7:30

I was 19 my grandfather was dying

7:32

of bone cancer And my mom and

7:34

her two brothers said he needed to

7:37

put a wheel in place And

7:39

he said, I don't need to do that.

7:41

You and your brothers handle it. Well, long

7:43

story short, they didn't handle it. The boys

7:45

wanted to sell. Mom wanted to keep it

7:47

in the family. And so she

7:49

continued to pay the taxes on the

7:51

land until she passed away when I

7:53

was 24. Now, I'm going

7:55

to get a little real here. I'm

7:57

the youngest of seven kids, and we

7:59

have a very large family. And all

8:01

those grown folks in the family didn't

8:04

pay the taxes. So we lost the

8:06

taxes, the land to tax sales. And

8:08

so about five years ago, um, I

8:10

went home and the area, cause you

8:12

know, you're always a ride path where

8:14

you used to live and grow up

8:16

and it was then stand and come

8:18

to find out Amazon was building a

8:20

distribution center on the land I grew

8:22

up playing on. Wow.

8:27

So that's where my

8:29

desire, my passion for. helping

8:33

uneducated people become educated to really make

8:35

some financial decisions that will impact their lives,

8:37

not just now, but in the future.

8:39

Well, you know, I appreciate that on the

8:41

story. And I try to be honest

8:43

on this show. I try to tell people

8:46

about my mistakes. I try

8:48

to tell people that, you know, my

8:50

life isn't rosy. I tell them

8:52

whether it's my health stupidity because, you

8:54

know, I've made some dumb decisions. I

8:56

tell everybody bragging about the fact that I eat ice

8:58

cream. I eat a gallon of ice cream a week.

9:00

I tell people that in the heartbeat, then all of

9:03

a sudden I got high blood pressure and high cholesterol.

9:05

Am I stunned? No. because

9:07

you've been doing stupid things. But

9:10

I think that when you look at

9:12

so many stories about, you

9:14

know, we had land and we

9:16

and didn't understand how to pass that

9:19

land. And then you do hear

9:21

some great stories where the family understood

9:23

how to create a legacies with

9:25

that land and get it to

9:27

the next point. Now, you know,

9:29

if a number that you brought up was

9:31

50. And I really not bringing that up

9:33

because certain people lock down certain age numbers

9:35

where they go, I can't do nothing else

9:37

with my life. This is it. I'm just

9:39

going to get to the finish line. But

9:41

at 50, you didn't see it that way.

9:43

You didn't see a finish line. What

9:46

kept you motivated? I

9:50

plan on living till I'm 112. There you go,

9:52

girl. There you go. Come on. Me and you.

9:54

I'm telling you. Me and you. But,

9:56

but, but, but, but, but, but, but, but, but,

9:58

but, but, but, but, but, but, but, but,

10:00

but, but, but, but, but, but, but

10:19

I can't walk like that. Yeah. I

10:21

gotta do my stretching and all those

10:23

things. And I wasn't doing that. And

10:26

I was realizing that if you allow

10:28

age to win, then the results are

10:30

bad. That's right. And

10:33

at 50, you said, no, that

10:35

is not my, I don't you look at

10:37

me and tell me when I'm gonna die.

10:39

Don't you do that. And

10:41

so the problem is is that, you know,

10:43

my birth certificate said 50. I felt like

10:45

I was in my 30. Then you go

10:47

on. You know, well, that's me. I don't

10:49

allow age numbers to define how I live

10:51

my life. Say that to my audience one

10:53

more time. Come on, please, please. I do

10:55

not. I do not allow

10:57

age to define how I live my life.

10:59

Now, you know, you've been repeating a

11:01

lot of things on your interview because you've

11:04

been saying some profound stuff to my

11:06

audience because see, I always tell people this,

11:08

Laura. Never allow age

11:10

to be an excuse on anything you

11:12

want to do. You

11:14

know, yes, physically you may not be

11:16

able to do things, but if your mind's

11:18

right and you have the ability to

11:20

plan, you have the ability to create relationships,

11:22

you can win with. Here's my next

11:24

question I want to ask you. What are

11:27

the most common financial challenges you see

11:29

people in their 30s and 40s facing and

11:31

how do you advise them overcoming them? The

11:36

biggest one I see with

11:38

people in their 30s and 40s

11:40

is the number one, they

11:42

believe that they need to pay off debt

11:44

first. And you know, the golden

11:47

rule is to always pay yourself first. That's

11:49

number one. And then especially

11:51

people in their 40s, they're

11:53

putting away money and products

11:55

that they cannot access, but

11:58

will need access to as

12:00

they get older, either for

12:02

investment purposes or planning

12:04

on, you know, different purchases in

12:07

the future. Some are still looking to

12:09

buy their dream homes and things

12:11

like that. So they're saving, but again,

12:13

not in all the proper buckets. That's

12:16

number one. And then number two, the biggest thing that

12:18

they face is feeling like they have time. They

12:21

have when you say time you

12:23

know put away money right now. They

12:25

they have time Right, but let's

12:28

let's talk about that real quick before

12:30

we go to break because of

12:32

the fact that we all feel we

12:34

have time and we do we

12:36

really do have time because see But

12:38

you need to plan you have

12:40

to need I have to start a

12:42

plan somewhere we're gonna start to

12:44

plan at 50 60 70, but it's

12:47

always nicer if you start that

12:49

plan at 30 40 If you

12:51

really smart in your twenties, because

12:53

I kind of did that a little

12:55

bit lower, but I didn't understand

12:57

what I was doing. See, that's making

12:59

a plan without a clear understanding

13:01

of your plan. Does

13:04

that make sense to do that?

13:06

That makes sense. You know what saying?

13:09

So that meant that I didn't

13:11

value the long term of what I

13:13

needed to do with that plan.

13:15

And so because I look back and

13:17

go, man, if you just not

13:19

even mess with that money. and just

13:21

see where would have been right

13:23

now with stock splitting and splitting again

13:25

and splitting again and riding through

13:28

2008. Girl, you wouldn't even be listening

13:30

to me on this show. I'd be having money -making

13:32

conversations at the house. Because

13:35

I understood my plan. And

13:37

when you do financial literacy

13:39

and financial education, that's

13:41

the number one question that I have to

13:43

keep asking myself is, when am I going

13:46

to listen to the right people? And you're

13:48

one of the right people to

13:50

listen to. So how do you get the

13:52

word out about you, Laura? It's

13:56

two things. So one, I'm really excited about

13:58

that's coming up where I'm going to focus solely

14:00

on women. But

14:02

most of it comes from either

14:04

networking events, hosting my webinars, which

14:07

I tend to do a

14:09

lot of. I host a lot

14:11

of free online webinars. And then

14:13

I'm also invited to speak out

14:15

at events. And I have

14:17

a team of, I like to call

14:19

them my young generation, which I so

14:21

appreciate them of people in their 20s

14:24

and 30s and being able to get

14:26

them out in the community because it

14:28

takes a village. I can't do it

14:30

alone. So it takes a

14:32

village to really bring the awareness and

14:34

have access to a demographic I would

14:36

normally have access to. So between me

14:38

and my team, there isn't one

14:40

person I don't see that. I don't care where

14:42

they work and I ask them, do you see

14:44

yourself doing this for the next 20, 30 years? I

14:49

don't

14:52

know if,

14:55

you know, if you'd ask me why I

14:57

was in my 20s, because I was still

14:59

trying to figure myself out, Laura. And,

15:02

you know, I was working at

15:04

IBM and I knew that wasn't the

15:06

job for me. That wasn't my

15:08

dream job. And then, and

15:10

so I always tell people, What

15:12

you do between 18

15:14

and 22 really defines what

15:16

you can do for

15:19

the rest of your life,

15:21

because that's when you're

15:23

fearless. You gotta go do whatever

15:25

you need to do. Nobody can

15:27

tell you anything. That personality

15:29

should be the sustaining

15:31

personality of your entire life.

15:33

Please, don't go anywhere.

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terms at mintmobile.com. I'm in terms of life. It's the Breakfast

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Club. The world's most dangerous

17:47

morning show. Hey! Angela E. is

17:49

kind of like the big sister that

17:51

always picks in the boy. That's not

17:53

how it goes. That's not how anything

17:55

goes. Yeah, me's really like a... What

18:04

is wrong with you? Welcome

18:13

back to the Money

18:15

Making Conversations Masterclass, hosted

18:17

by Rashawn McDonald. Money

18:19

Making Conversations Masterclass continues

18:21

online at moneymakingconversations.com and

18:23

follow Money Making Conversations

18:25

Masterclass on Facebook, Twitter,

18:27

and Instagram. I'm speaking

18:29

with Laura Finney. You know, she had

18:31

a moment when she was 50 years old,

18:33

her 50th birthday. And guess what? She

18:36

told me, Rashawn, I wasn't really clear because

18:38

it was my 50th birthday, but I

18:40

knew. I had to make

18:42

a change and my change

18:44

was becoming financially literate. She has

18:46

eight years of experience in

18:48

the financial services industry, an expert

18:50

in delivering personalized financial literacy

18:52

programs, workshops, and

18:55

one -on -one consultations. She helps

18:57

clients achieve financial stability

18:59

and success. She is passionate

19:01

about assisting individuals in

19:03

reaching both their short -term

19:05

and long -term financial goals. Now,

19:08

Laura. budgets.

19:11

We hear that word a lot, budgets.

19:14

Like you said earlier, you know,

19:16

paying young people tend to want to pay

19:18

off loans real quick on their credit

19:21

cards. Now, can you

19:23

share some basic budgeting tips

19:25

for individuals and families

19:27

who want to get better

19:29

control of their finances? Yes.

19:34

Number one, you have to have

19:36

money. I like to call it

19:38

an increased cash flow every month. Every month

19:40

you should be in a position to save some

19:42

sort of money. And

19:44

so there's like four categories that I

19:46

look at specifically where people are

19:48

spending money when it comes to their

19:51

finances. And it's

19:53

hanging out, dining

19:55

out, shopping, and

19:57

personal care. Sometimes

20:00

I see anywhere

20:02

from $500 to

20:04

most recently $900 a month

20:06

in any one of those

20:08

categories that people are spending. And

20:11

that's a lot of money going

20:13

out. That's the first thing is

20:15

really check to see of those

20:18

four categories. Where can you streamline

20:20

your cash flow going out? The

20:22

hanging out and dining out hanging

20:24

out and hanging out and dining

20:26

out. That's the first really killers

20:28

in your trying to streamline your

20:31

budget. Okay. Okay. Yep.

20:33

and in the personal care. I'll

20:37

fire my barber because he charged me $50

20:39

and my hair is about as short as

20:41

yours. There

20:46

just has to be an

20:48

accountability for the reasons. Now you

20:51

and I, we're in the public.

20:54

That's that. But for

20:57

young girls going out spending, you know,

20:59

four or $500 a month on

21:01

hair is just unreasonable because that's money

21:03

that a hundred of that you

21:05

can put away. So the first thing

21:07

is really to look at when

21:09

you're budgeting, how much can you

21:11

really afford based on your current lifestyle

21:13

and the lifestyle you want to live

21:15

later. And the other one

21:17

is to make sure that you have

21:19

an emergency fund. That one is so

21:21

important. I don't care. I tell people

21:23

if you can save a dollar a

21:25

day, you can have an emergency fund.

21:27

It doesn't take putting away, you know,

21:29

$100 a month or $1 ,000 a

21:31

month. Just start where you are so

21:33

that we create a new habit of

21:35

saving. And so that's like

21:37

the biggest thing for me right now with

21:40

helping people budget is to really budget

21:42

what you're eating every week. I had one

21:44

client ask me about how do you

21:46

avoid spending so much dining out when we

21:48

have to go to lunch with clients?

21:50

I said, who said you had to go

21:52

to lunch with clients? Rishan,

21:54

I'll do a walking meeting up

21:56

at Gift Gardens in Ball Ground, Georgia.

21:59

Right, right. Meet me in Kennesaw. Let's take

22:01

a drive. I got fruit and nuts in

22:03

the car for us. And let's go have

22:05

a meeting in a beautiful environment. You can

22:08

have a meeting in a park. But most

22:10

people feel like, you know, to be a

22:12

part of something, they need to have this

22:14

persona that they can go out and eat

22:16

three, four times a week, two, three times

22:18

a day. And that's just unrealistic. You can't

22:20

sustain that. But that

22:22

would be the biggest way is to really

22:24

look at what your expenses are and to

22:26

really cut back on things that are not

22:28

a part of your necessities for everyday living.

22:30

You know, really, when we look at the

22:32

economy, like I was filled up by truck

22:34

the other day and, you know, I just

22:36

fill up. You know, and I'm not saying

22:38

because I gotta guess what, I gotta put

22:40

gas in the vehicle. Okay. And,

22:42

and so you can complain, but guess

22:44

what? If you're driving, stop complaining. Okay.

22:46

You got it. I don't want to

22:48

start walking. I can't walk because everything

22:50

I want to do is so far

22:52

apart. And so with that being said, the

22:55

families, you know, you

22:57

know, what can you do?

22:59

You know, when you got kids that

23:02

go to school, you got You

23:04

know, maybe a single mom, you might

23:06

be even a single dad, you know,

23:08

you might be in a divorce situation

23:10

or you might be a unified family.

23:12

How do you look at trying to

23:14

make sure your child feels good about

23:16

life, but still having a budget that

23:18

doesn't break the, you know, a lot

23:21

of you to have a future. Oh,

23:24

two things. One is.

23:26

You gotta be a little bit

23:28

creative. You know, when we

23:30

were growing up, we didn't have

23:32

as many options for entertainment, right?

23:35

We made our own entertainment. I was

23:37

talking to a young lady today and

23:39

talking about, you know, I'm gonna sit

23:41

out in the backyard with my grandsons

23:43

and we get the chairs around and

23:45

we'll, you know, pull out the fire

23:47

pit and have some fun that way,

23:49

right? Things that don't cost money, so

23:51

to speak. You know, my grandson wants

23:53

me to take him to, you know,

23:55

some jumping place. I'm looking at six.

23:57

Well, here we go. I took my

23:59

five -year -old granddaughter. Check your

24:01

cheese. Check your cheese. OK. Come on, now. Oh, gosh.

24:03

They're going to put a name on it now. You

24:06

wanted to go to lunch, and I said, well,

24:08

do you want some chicken nuggets or chicken salad? She

24:10

was like, no, I want a Caesar salad. So

24:13

I took her to this restaurant, got

24:15

the Caesar salad, and she said, I

24:17

want a dessert. $45

24:19

later, I said, listen. We

24:24

can only do this like once a quarter

24:27

because you still got to be able to save.

24:29

But the fun thing is that I also

24:31

know I can make a really cheap but most

24:33

delicious dessert, which you and I will talk

24:35

about you and your food at another time because

24:37

I'm totally intrigued. Okay, two

24:40

dollars and create the most amazing

24:42

apple desserts that'll have anybody asking for

24:44

more. So it really is just

24:46

knowing how to stretch a valor, but

24:48

know that you don't have to

24:50

go and support these other businesses and

24:52

create generational wealth for those families

24:54

versus being creative in your own space.

24:56

Me and my daughters, we used

24:58

to have slumber parties in the basement.

25:00

Right, right, right, right, right. So

25:03

it's a little bit more about being

25:05

a little bit more creative as to

25:07

what you can do to entertain your

25:09

kids. And there are tons of free

25:11

parks in and around Atlanta. You know,

25:13

this interview is about you and your

25:15

brand that you've been doing and building

25:17

for eight years. When one contacts you,

25:19

Laura, what is the process? What's the

25:22

technique and how do you bring somebody

25:24

into your format or your strategy to

25:26

make their lives financially better? How does

25:28

that work? The first

25:30

one is a quick call. I want to

25:32

understand why you called or why you would like

25:34

to sit and talk. So I can get

25:36

a better idea of where you are and what

25:38

you want to do. The second one is

25:40

to really sit down and just interview you. Sort

25:43

of like you're doing me right now about

25:45

everything that you want now and in the future.

25:47

Basically, what are you getting up for every day?

25:49

It's not to pay bills. It's not to go

25:52

on vacation in six months. What you

25:54

get up for today is what's going

25:56

to affect you 10 years from now in

25:58

your life. So let's focus on what

26:00

that looks like. And then the

26:02

next appointment is coming back with

26:04

a strategy with ideas, six steps, starting

26:06

from where you are now to get you to where you want

26:08

to be. Wow.

26:11

You know, I really look at

26:13

myself when I talk to individuals

26:15

like you in this financial literacy

26:17

community, there are so many

26:19

misconceptions about money management. And

26:22

can you address any of

26:24

them? I'm

26:30

just you know radio silence is

26:32

bad right but that's one of those

26:35

ones that really gets me really

26:37

frustrated because when I do see it

26:39

people don't manage it well because

26:41

again they're living for today and

26:43

tomorrow and next month and not for

26:45

you know down the road and

26:47

I think that's the biggest thing is

26:50

helping people understand that. You

26:53

know, that's the whole thing about chasing

26:55

money, right? You can't chase something and you

26:57

mentioned something that if you don't mind,

26:59

I want to circle back to about like

27:01

the single moms or, you know, parents

27:03

who are living paycheck to paycheck is we

27:05

all know that you have to increase

27:07

cash flow. You can't save money based on

27:09

where you are now if it's already

27:11

a struggle. So how do you increase cash

27:14

flow? And that's helping these parents understand

27:16

that you can't keep adding more hours to

27:18

your day. You can't take more time

27:20

away for your kids, but understanding and being

27:22

in an environment and having good contacts

27:24

to talk about what residual income looks like

27:26

for you so that you don't have

27:28

to go out and work a second or

27:30

third or fourth job. But you can

27:32

still increase that cash flow coming in because

27:34

sometimes it just is what it is.

27:37

You can't squeeze another hour out of their

27:39

day, right? But then how do I

27:41

manage that? And manage that is knowing that

27:43

you have a financial plan and that's

27:45

what you get up for every day. Nobody

27:47

can sway me to take a

27:49

trip you know because I know that in the

27:51

next three months I want to do something

27:53

else with this money but many people I like

27:55

my dear friend that's listening she's gonna kill

27:57

me but you know she wanted to take a

28:00

trip to Jamaica and it's to run her

28:02

almost a thousand dollars and I said what's your

28:04

budget? she said I don't have a budget.

28:06

I I was like, excuse me. everything starts with

28:08

a budget. Everything starts with a budget. hey

28:10

look I can we get in touch with you

28:12

as I wrap up the show? You're fantastic. They

28:15

can reach out to me via my

28:17

website. There's a contact form on the

28:20

page. It's my first name, Laura, L

28:22

-E -U -R -A. My last name's Denny, F

28:24

-I -N -N -E -Y, the word Enterprises. So,

28:26

Laura, if any, Enterprises an S .net. They

28:28

can fill that out, tell me why

28:30

they want me to reach out to

28:32

them or why they're reaching out to

28:34

me and I'll be sure to get

28:36

back with them. You're fantastic. Thank you

28:38

for coming on Money Making Masterclass. Laura.

28:41

DennyEnterprises .net. Thank you for sharing.

28:43

I appreciate you. This has been

28:45

another edition of Money Making

28:47

Conversations Masterclass, hosted by me, Rashad

28:49

McDonald. Thank you to our

28:51

guests on the show today and thank

28:53

you, our listening audience. Now, if you

28:55

want to listen to any episode or

28:58

want to be a guest on the

29:00

show, visit MoneyMakingConversations.com. Our social media handle

29:02

is Money Making Conversation. Join us next

29:04

week and remember to always leave with

29:06

your gifts. Keep winning.