You're Not Special: The Money Struggle Nobody Admits w/ Kristina Hall

Asking for help with your money might be the hardest thing you ever do. Not because the math is hard. Because it means someone is finally going to see the truth.

In this episode, Kristina Hall gets brutally honest about what it actually feels like to hand your financial life to someone else. The tax returns. The bank statements. The P&Ls. The credit cards. All of it, at once. She sat on that document request for almost two years before she hit send. Two years of "that's tomorrow's problem" while the hole got deeper.

We get into the advisors who shoved product at her when she asked for tax help. The referrals that left her feeling unseen and not understood. The childhood programming that says you stand on your own two feet and never ask anybody for shit. And the exact moment she realized she either opened up her books or closed the doors on her business.

Here's the part nobody tells you. Her situation hasn't magically changed. She's still in it. But she feels safe now. She has a net. When she loses a client, it stings, but it doesn't bury her anymore. That's the difference between doing the work and digging the hole.

If you're a business owner sitting on an email you've been avoiding, this one's for you. Stop hiding from your money. Submit the damn documents. And if you don't have a person in your corner, Kristina and I will be that person. Just reach out.

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

Transcript

The Two Hardest Things About Getting Financial Help

Kristina Hall 0:21

Well then, it's time

Stoy Hall 0:29

Cool. We've all been there. And I will say this, the hardest thing to do in financial services, there's two of them. One, actually trusting someone and going to talk to them, right? That's step one. The, the second hardest is getting the information to them. I used to be a huge proponent of like not asking for everything at, at like all the documents and just kind of piecing it together. But I realized it's more like a Band-Aid. You, you kind of just have to, once you send them off, then you, you're gonna feel better. Plus then I can do my damn job. If not, then it's gonna linger on and linger on and linger on. So I'd rather have you linger on for two years and not get me your stuff than finally do, as opposed to document after document, and it does take us two years to do so. So that's what we're gonna speak about today. And I'm not doing this from a, a perspective of like, "Yeah, come hire me," or any of that. I'm doing this from a perspective because Christina decided this is what we need to talk about. And we need to talk about it because she went through it. I want you to know that I have current prospective clients going through it right now. I have all my past clients going through it right now. And while I do believe that there is inherently more angst when it comes to women, it is for everybody too. But obviously, we're gonna speak it from your point of view today, Christina. So without further ado, folks, that's what we're talking about today, is that anxiety, that feeling that you get when your advisor or someone's like, "Hey, can, you know, give me all these documentations?" And you don't know where the hell they are, you don't know what the hell they are, and now you do it, and how do you feel afterwards?

"I Wanna Puke": Why Asking For Help Wrecks You

Stoy Hall 2:00

So let's start from the top, right? Like obviously, again, folks, no, we're not related. Get over it, move on, figure it out for yourself. Talk me through or talk us all through, not, you know, when we started the relationship, it was more about my business and, and marketing, but when you finally were like, "Hey, you know what? I need your help."

Kristina Hall 2:19

Yeah.

Stoy Hall 2:19

Walk us through what was going on previously in your life and how, uh, I guess much energy and shit it took just to get to say like, "Hey, I do need your help."

Kristina Hall 2:28

Yeah. I wanna puke. Wow. Like, I literally, like, even though we've already been through it, like, my stomach is like, "Ugh, this shit sucks." Um, yeah, I guess let's go back to the beginning. I actually think it's not even-- I think when you're thinking about this kind of stuff, right, you gotta go back to the true beginning. And that's like childhood and being raised a certain way and, um, having it really ingrained in my head like, "You can't rely on anybody else. You need to, you know, stand on your own two feet," type of, type of vibe. And what happens with that narrative is it becomes really hard to ask for help. Um, I struggle with it every single day of my life. Like, it's really hard. And so, you know, when it came to, like, saying, "Okay, like, hey, I need help," even though I didn't step up to the plate right away, right? Um, it was because I could see the growth in my business, and I started saying, "Okay, I have a lot of transactions happening. There's a lot of mo-money moving through this business going in, going out, and I have no fucking clue how to even look at this stuff." And so it was, it was definitely from a growth factor in a way because when I first started out, like, sure, I could do a lot of this stuff on my own, I thought, right? Like, I could do it. You can't. Like, you should just get somebody in there right from the beginning if you can. Um, but you know, it wasn't as overwhelming because I didn't have as much happening. But then when I really flipped into this more of an

When "I Can Handle It" Stops Being True

Kristina Hall 4:00

agency and having contractors and things like that, I was like, "Oh, hell no. I, I can't, I can't do this." I also like, I, I love numbers, but not from a financial standpoint. And so it was like, y-you need help. But I've talked to other planners and accountants and things like that, and I had bad experience after bad experience. And so I was already on edge about trying to let somebody into my finances because, hello, who the fuck wants to do that? It's so uncomfortable. Um, but I also just had bad experiences with literally like three or four people that it's like, I already don't feel comfortable enough doing this, I'm just not gonna do it at all. And so, yeah, like that's what got me to ask for help, but we both know that. It's a

Stoy Hall 4:52

good point 'cause I think majority get to that point, right? Like, a business owner starts, it's small, you can control it, you can handle it. You think you know what you're doing, but you're also missing a ton of shit. Like, like you don't know you are, but you know you are. And for me, from my experience, I think it's, it, there's natural progression of I can handle it, I'm good, we're growing or not growing, doesn't really matter. And then you get to the stage of, holy shit, there's more to this than I ever thought there was, right? We're talking about insurances, we're talking about payroll, we're talking about taxes, not just like payroll taxes, but your income tax or your sales tax or the quarterlies.

Kristina Hall 5:30

Yeah.

Stoy Hall 5:30

And then you got your insurance is top to bottom, right? Then you've got contracts. How do I hire people? What's my process there? Oh shit, what happens if I'm sick for two days? Like you, you end up with like, "Oh, there's a lot there." And then you revert back to like, "Well, I can handle this. Like I, I'll be okay." Yeah. And then what gets dropped is, you know, your books are, are dirty or you don't pay your taxes on time or something because fundamentally all you know is I need to make income so I can pay, if I have payroll, right,

The Hole You Don't Know You're Digging

Stoy Hall 6:00

I gotta pay my people, um, I gotta keep the lights on and I gotta eat. And then you end up just in that survival mode of like, this is what I gotta do while you're digging this fucking hole that you weren't aware of you were digging. Yeah. And then now it's so heavy that your business may or may not be able to take that next step of growth, right? Yeah. Un- until you've taken care of that. Yeah. And there's no way you can take care of it. And so then most people at that point are like, "Okay, now I n- I do need help. I need help." Yeah. And I think the problem with that is, well, it's not a problem. It is a problem, but the problem overall isn't necessarily that you need that help like that, is you are dropping a lot on your, your planner or your advisor.

Kristina Hall 6:44

Yep.

Stoy Hall 6:44

And there's not a lot of us that can actually take on that and piece it together for you simply without charging you stupid amounts of money Or taking so much time or not knowing where all of this is going because we don't connect to you on that level, right? And that's why we do my marketing, um, and we focus on women, minorities, and LGBTQ business owners 'cause I can relate to them.

Kristina Hall 7:09

Yeah.

Stoy Hall 7:10

I can take that concept or all that shit and not only filter through it from a financial perspective, obviously, but that, that emotional side where you're coming from.

Kristina Hall 7:19

Yeah.

Stoy Hall 7:20

I think that's why you probably had those bad experiences. Obviously, you can speak more on that, but I think that conversation around like, oh shit, is so valid- Yeah and it's okay.

Kristina Hall 7:31

Yeah. You

Stoy Hall 7:31

just gotta get through it.

Kristina Hall 7:33

Absolutely. It's funny too because, you know, uh, the, the bad experiences, and I hate to say it but it's true, it was with peop- it was with people of color and that really bothered me a lot. Um, and they were referrals too, and that was really tough too which that's like a whole other topic, right? Like trusting the referrals you get. Um, but you know, I felt like I was already going into a situation with people that

Bad Referrals and Advisors Who Don't See You

Kristina Hall 8:00

were gonna be able to see me and understand me and things like that. And, uh, what I noticed with them is they, they were ve- really trapped into like your typical financial-

Stoy Hall 8:10

Ugh

Kristina Hall 8:11

you know, that mindset. White people. It's just like, if I can say it, I'm gonna say it. You can edit it if you want to. Um, but it was true, right? So there was like a, there was just like a vibe there like where I just also didn't feel seen, I didn't feel heard. Like I just, I didn't feel like understood in those moments. And again, with money being such a sore spot, and this was me coming off of having a lot of anxiety around money for years. Like, which is funny 'cause I'll take that stress from back then that I have now any day, right? So this is already like a hard subject for me, a tough topic, and then I go into that. So yeah, it was, it was, uh, it was just, it wasn't a pleasant experience. And I don't know about you guys, but when I feel overwhelmed by something, I tend to just say never mind about doing any of it. I'm gonna

Stoy Hall 9:02

push it over here. I'm out.

Kristina Hall 9:03

I'm just, I'm out. Like that's tomorrow's problem. Yeah. So-

Stoy Hall 9:07

Yeah, and w- and we've all seen it and been through it, a lot of us. Well, at least I have 'cause it's my industry. But what she's speaking about is advisors, quote-unquote, for those that are not watching and just listening They're the ones that do the traditional stuff. "Hey, you need life insurance. Hey, you need to invest this much into whatever," blah, blah, blah, and selling you a product. And while technically, yeah, considered a financial advisor, that's not what people need. Yeah. They need... And I think our industry is gonna shift to a new term, and I think if we can coin that term, we can make a lot of money. Uh, but we, we've been shifting to this financial planning or holistic planning. You know, at Black Man With, we say modern family office. Any way you spin it is people need a right hand, someone behind them to protect them at all times.

Kristina Hall 9:53

Yeah.

Stoy Hall 9:54

Mm-hmm. That's it. I mean, that's what it is. They don't need that person to say, "You should be investing this and to retire at this." That's cool. I, I do need that, but what I need is someone to understand where I'm coming from, where I'm at, and where I need to go, and that isn't an, a financial number per se.

Kristina Hall 10:13

Yep.

Stoy Hall 10:13

That is getting to know their relationship and how their brain works and, and all that stuff. The problem with that is people spin that off and say, "Well, that's, that's that, uh, therapy stuff. That's that lay down on a couch and that type of therapy," and there's a bad connotation around it, both from the public, but also as an advisor. I don't wanna learn all that. That's not my lane.

Kristina Hall 10:35

Yeah.

Stoy Hall 10:35

I'm here to tell you, advisors, it is. It's absolutely our lane, and if you're not doing it or not hiring someone like an Ashley Kwame, who's also part of our collective, to handle that, your business will be gone in 10 years. It's just not going in that right route. So, um, I think that's part of why you had those types of situations is because, like, that's all it was. It wasn't actually about you. It was about some bullshit

I Asked For Tax Help. You Sold Me Products.

Kristina Hall 11:00

product. Yes. And it's funny that you say this because that, it, it's- That was what it was, right? So before I met you, like, I didn't know anybody who was talking to, like, the emotional piece of money, right? It's just always treated as this very black and white thing. So this ob- this happened in 2020, right when I moved to Florida. So I met you pretty m- not too long after that, right? And so what my issue was is I went to this man for tax purposes. I need help filing my taxes. That's when things got, started getting too big for me, and I was like, "Oh, I can't do this on TurboTax by myself. Like, I need help," right? So I get that referral. I go to him. I'm saying, "I need tax." I'm already overwhelmed as fuck. Bro, why are you shoving product after product after product at my throat? I don't even understand my fucking books, let alone a fucking investment or a f- uh, like a, a Roth ROI. Am I even saying that? Not ROI, RA. We'll see. ROI. I- You see, I'm done. IRA? See, this is my fucking point, right? Right, I didn't know shit about shit, so I'm asking you for one thing, and you're piling a bunch of other shit onto me. This is just Business 101, right? Like, that's just bad business practice right there. Like, I'm asking you for something, and you're basically ignoring my needs to get me here. Well, you got me way out the fucking door, my guy, right? You know? It, it's frustrating. He did give me a really great referral, though, that is one of my best friends to this day, but hey. There's a winner

Stoy Hall 12:39

there. There is

Kristina Hall 12:40

a win, but the point is, it was like, from an emotional standpoint, that was my issue. It, it was really... It was tough. And then the next person that I worked with was a referral from someone we know, and I, um, and it was a woman, and she just totally left me to the wayside, like when I needed help most. So I just, I felt jaded after, right? Like, oh, like I'm not good enough to work with these people. Like there's like a worth thing there, and then there's like, you know, you start to question yourself because you're like, "I don't know shit about shit." So it's like, uh, you know, I don't know what I'm doing here, but yet I'm just kinda getting pushed to the wayside, and that was really fucking hard to deal with. I haven't really talked about this.

Stoy Hall 13:29

No.

Kristina Hall 13:29

Yeah,

Stoy Hall 13:30

so- So now we're in the feels, right? Yeah. Uh, you've been jaded. You're feeling a certain way. You don't trust fucking anybody. You still have this, though, that it's heavy 'cause you gotta get shit done. There- things have to get done.

Kristina Hall 13:42

Yeah.

Stoy Hall 13:42

Right? So IE, we enter the picture, um, a little bit. By the way, uh, trigger warning for you and all the listeners 'cause this part is probably gonna bring up some weird stuff and then make you wanna throw up. So just a little trigger warning. Okay? So- Now we've met, and now o- on

The Email That Asks For Every Damn Document

Stoy Hall 14:00

the emotional side, we've gotten to the point where you're like, "Cool, let's do this." And then comes that email that I send. Well, my wife sends it now. And it's asking, and this is what it asks for, folks. It asks for two to three years tax returns, both personal and business. Yeah. It asks for year-to-date bank statements and the previous year bank statements. It asks for your current P&L up to date, plus last year's P&L up to date, including anything that you have contracts going on. Then personally, what credit cards do we have? Bank accounts, um, whatever loans are out there, our living situation, our income situation, right? It asks for all of those things at once. Right. Again, I told you folks, I used to ask for them in pieces, then it took me forever to do my job.

Kristina Hall 14:49

Yeah.

Stoy Hall 14:50

And now we ask for them all at once, and it is a very heavy list-- uh, lift, and we don't lie about it. It sucks. This is the hardest thing that you will have to do working with us. Really, it should be the hardest thing you have to do working with anybody, is just now you're opening everything up, right? Uh, you know, what, what is the old saying? Lifting your skirt up, all that bullshit. Like, that's what you are doing. We can see everything at that point. There's nothing to hide. Dude, I'm gonna

Kristina Hall 15:13

fucking cry right now

Stoy Hall 15:15

listening to this. I know. See, I told you trigger warning.

Kristina Hall 15:16

Oh,

Stoy Hall 15:17

fuck. I prepared you and them for this.

Kristina Hall 15:19

Wow, okay. Don't

Stoy Hall 15:22

watch

Kristina Hall 15:23

this.

Stoy Hall 15:23

Now- It's really triggering. right, now y- you're, you're raw emotionally. Now you're raw because everything is being seen.

Kristina Hall 15:29

Yeah.

Stoy Hall 15:30

And now you're thinking you're gonna be judged. That's, that's that piece. That's where a lot of this comes from. And you're not.

Kristina Hall 15:36

Yeah.

Stoy Hall 15:36

But you're also going to be hopefully held accountable and stern with what we're going to ask and do, right? Why this transaction? Why did you do it this way? Why are these things occurring, right? And the reason for that is because we have to be able to get you to connect your emotions where you're at to the actual moving pieces. Yeah. Um, and that's hard to do. So now that everyone is either crying, throwing up, or not listening anymore, talk us through from the day you got that email to... And I, I-- we really should go back. It was a while, folks. Like, uh, it might be over a year. I'm not shitting you. I really- Oh, it

Kristina Hall 16:14

was for sure over a year.

Stoy Hall 16:17

We- we're probably pushing two, but-

Kristina Hall 16:19

Yeah

Stoy Hall 16:19

definitely over a year. So talk us through when you first got that email, and we know where we were at emotionally to the two-year timeframe it took to actually get all the documents.

Kristina Hall 16:30

Yeah. Um, oof, God. I mean, everything you said, like, it's overwhelming, one, like doing that. But then also, because the thing to know about me is I am very aware of the situation at hand. Like, I do know what's happening, so I'm not just like, "Oh, I have no idea what's going on." Like, no, I'm, I'm painfully aware. It's really uncomfortable. So I think like that overwhelm

Two Years to Hit Send and the Breaking Point

Kristina Hall 17:00

paired with the, "Oh, fuck, someone's about to see the truth." Because everybody has this, like, misconception and, uh, of business owners in general, but I even see with like my friends, like, "Are you doing this? Are you doing that?" I'm like, "Hell yeah, fucking know, bro. What do you mean? Like, you're probably... You're making way more money probably than me at the end of the day, right? Overhead, X, Y, Z." And so it's like, "Oh, fuck, someone's about to see it. They're really about to see it." And yeah, no. And it was a lot. I, I think you do the right thing by asking. That makes total sense to me asking for it up front, but it's a lot. And like you said, it's a heavy lift, and it makes you have to face yourself, right? And so yeah, then they're probably about to, like at least a year, definitely a year, year and a half. I said, "Holy fuck, I can't breathe." And I literally can't do this anymore. Like, it was like, I either allow this to happen or I'm probably gonna have to shut the doors to my business. And I've been... God, now I'm really gonna cry. And I've been in business for a long time at this point, right? Like, I built this whole entire brand, this whole entire reputation, and then it's like, "Oh, fuck, I might have to close the doors and, like, I can't do this anymore." And that's what it was. It was like, if you don't ask for help, like, you're fucking done, bitch. Like, what the fuck? And like, if you know me, like I don't, I don't operate like that. Like, I have so much resilience to a fucking fault that I'm like, "No, I have to make this happen." And so yeah, it was like getting there To just be like, okay, like you literally can't do this anymore. Like, you can't. Like I, I, I remember the stress that I had in the years of like 2018 to 2020 around money, and I realized how much it impacted me from a health standpoint, from a relationship standpoint, in so many different ways. And again, I wish I had that stress now from a numbers standpoint, right? And so after like moving to the South six years ago and really working on my healing and understanding myself and all that shit, I was like, I literally can never let money overtake me in that way again. And so I had to really work on that money mindset under- 'cause I don't have like that typical like I don't deserve to be wealthy, rich people are bad. Like that's not my mindset like at all. So like I had to like really dig deep, like what is going on here? Like why do I, you know, have this relationship with money? And so when I started feeling that stress again come 20- end of 2023, I think it was, um, yeah, no, 2024 maybe actually. I was like, yeah, no, like I, I can't go back to that version of myself. And so that's why I'm here. Right. And

Stoy Hall 20:06

so then we, then we started doing some work. In full disclosure, it's not like we're out of the hole and you are flying by making

Kristina Hall 20:12

$40K

Stoy Hall 20:12

a month, right?

Kristina Hall 20:13

No, I-- this is why I wanted

Stoy Hall 20:15

to have

Kristina Hall 20:15

this conversation because... Yeah.

Stoy Hall 20:18

But even though we're doing the work, now where are you emotionally and like your, your mindset? I know it's still uncomfortable having all those meetings to talk about money 'cause that's never fun for, for anyone, although I geek out on it because that's my fucking job.

Kristina Hall 20:35

Yeah.

Stoy Hall 20:35

But where are you now when things hit the fan a little bit? Because hey, folks, it's always gonna happen.

Kristina Hall 20:41

I'm

Stoy Hall 20:41

learning a lot more every day. My business, your business, one of those clients. Yeah, exactly. Yesterday lost one. Um, and you know what I'm dealing with right now. So, um, they're always gonna be there. Take us through like that, not necessarily that loss of that client, but a loss of a client now compared to If it was three, four, five, six years ago

Kristina Hall 21:00

Yeah, absolutely. Like, it still stings from like a pocket standpoint, right? It's like, "Fuck, I'm gonna go afford this when I'm already like every fucking penny counts," right? Um, but it doesn't derail me in a way where I'm like, I don't even cry about it at this point, which I, it's like, it's real. Like, I don't, like I don't find myself getting like all upset about it. I'm like, "Ah, damn, that sucks." But it's like my mindset around it is, it's just opening up doors for what's ahead. My doors are not shutting on this business. It's not fucking happening. I am growing, and I have had so much growth even within myself as a l- as a leader and as a marketer, XYZ, and my skill set, right? And so now it's like when I lose a client, one, I usually can pinpoint why I lost that client, and I have like a really good grasp on that. But two, you know, I just look at it as like, it's just area of opportunity for something else, and it always is. Like, I'm not just telling myself that just to be cute, right? Like this is historically this is what happens, right? And it brings in more or better aligned clients and things like that. So, you know... But I think the biggest thing here is more so like, just how do I feel about money in general now? And when it comes to my business, like, yeah, I'm still stressed as fuck. Yesterday I was stressed as fuck about something. I was like, "This is annoying," but it doesn't set me back, right? It doesn't make me feel like, oh, I can't do anything. You know, like I don't go into this hole or anything like that, and that's really important. Um, and honestly, we're working on it, and I tell myself that every day. I am doing every fucking thing I possibly can now. I'm giving you my shit. We're going through it. I do listen to you. I actually do. Like, you know, I take, like when we looked at my food expense last month, I'm like, "What the fuck?" Right? That shit is repeating in my head currently. So it's like, even though I still have honestly the same stresses around money, I, I just, I feel more taken care of. I feel safer. I feel safer, and that is a big-- You guys are a big reason for that, right? Because we're doing everything we can. This is why I run everything through you from proposals, pricing, everything possible, right? Because we have a grasp on the picture. And where before I felt like, and I still have my days, like, "God, no matter how fucking hard I work, I'm not gonna get out of this," I actually know it's more obtainable than it used to be. It wasn't ob-obtainable before. Like, I was literally going to continue digging myself in a hole, and now I actually am like, "No, there's light," and that light is actually closer than I think And it's because of this.

Stoy Hall 23:51

And I think that's so powerful for those, and I should say I know it's powerful for those listening of, yeah, you're still in your situation.

The Tightrope, the Safety Net, and the Spiral

Stoy Hall 24:00

It's not like you hire us, we go through and it's like, "Cool. Ha. We did it. Let's move on." Um, no, it's now time that the work is there, but there's this, and I want people to e- envision this a little bit of when you're a business owner specifically, right? We're, we're on that high wire, right? Think about, you know, the circus, 'cause it is a damn circus. Yeah. It's a clown show most days. Um, that they're on that tightrope and they're balancing with that big ass pole and they're swinging around, right? And I'm like, "No way my Black ass is getting up there to do that." But that's- Yeah that's how business is. We're always teetering on this really fine line of what's gonna happen. The difference is working with us or someone like us is when they do fall, that, that there's that safety net underneath. Yeah. There's that thing to catch them, to give them the confidence to walk across.

NoBS Wealth 24:47

Yeah.

Stoy Hall 24:47

And when you don't have any of that, that's when you spiral. That's when the holes happen. That's when you freeze and you don't move. And if you're stuck up there, your legs are gonna give out at some point. And when your legs give out, that's, that's it. It's over, right? Um, and I think that's where people get to, and that's where you got to, is like, "Hey, I, I can't, I can't stand any longer. I can't do this. I will literally fall off this fucking thing and die."

NoBS Wealth 25:12

Yeah.

Stoy Hall 25:12

And we can come in and at least be some catch net. That net might not be all the way up to your feet yet, but it's there and you know it's, it's not going away. And it allows you to say, "Cool, I have confidence I can take that next step." Yeah. And it's just gonna keep allowing more steps. And guess what, folks? Again, that's not necessarily a money situation, right? We're not talking about, we're not talking about numbers right now. That's not what we're talking about. We're talking about everything that goes into the numbers. And, and I don't care who you are or how successful you think you are or have been, or you know, what the next guru tells you across the map, um, about like your mindset of always think about money and success and success and success. What goes into that is who you are, what you care about, how you operate. Not what some book says, not what some Joe Blow Schmo says on TikTok. It's you, and if you don't do that work, you're not getting out of your hole. And I think that's where you did a lot of work, um, whether that's on your own, listening to people, whatever, you did your own internal work to get you to that crossroads, to get us the information so now we, we can help you move forward and it's- Yeah it, it means a lot to me, right? I know our relationship's deeper and everyone knows that, and it's not like, um... We've never actually had this conversation, folks, by the way. Yeah,

Kristina Hall 26:31

I know.

Stoy Hall 26:32

I want them to know that.

Kristina Hall 26:33

What, two days ago?

Stoy Hall 26:34

Yeah.

Kristina Hall 26:35

Totally.

Stoy Hall 26:35

Voice No- I'm voice noting this. Yeah. I

Kristina Hall 26:37

was like, "I

Stoy Hall 26:38

got an

Kristina Hall 26:39

idea." It,

Stoy Hall 26:41

it, it means a lot 'cause I reflect back on all my clients and it's the same story.

Kristina Hall 26:46

Yeah.

Stoy Hall 26:47

Similar story, not the same obviously, 'cause we're all different, but it's a similar story and we've always gone back and forth on, on our marketing with Black Mammoth, um, even WBS Wealth too, of like how do we get more of this information in front of people? And we still haven't figured out that way, but I think something like this where you just say what it is and how it is and attach has gotta be the right route. Um, now granted, I think the algorithm will probably fuck us anyway, but at least we're trying it. Um, I'm gonna get

Kristina Hall 27:17

it done. You know, and I, but, and that's like that, that was the whole reason why I wanted to record this, right? Because baby girl, you're not that special, right? Like you're not. Like, and I think, you know, you say like, "Oh, like, you know, you did the work on your own." Like I literally am not somebody who is gonna go and like necessarily like, "Let me see what this guru said. I don't give a fuck." Like everything for me is like very internal processing and like understanding myself and things like that, and I just, I just think that is so important. And because of that, it's just made me realize like, again, you're not that special. So many people are in this boat, but people don't wanna talk about it. And it's like why? Why? Like I've had a lot of conversations lately just like with like my fellow colleagues. Like one yesterday was like, "I literally haven't signed a client all year." And I was like, "I only signed, what? Two clients this year so far?" I was like, "Wow, that's crazy. Last year I only signed two clients for the whole fucking year." Maybe it was three, but either way it was low, right? And you see all these people on here, they're like, "Oh, I signed this many people, that many people." That I'm like it's not the norm. But because people, people want that, that's the stuff that you see more often, right? But like this is the fucking norm that nobody's talking about, and we have to talk about it. We just, we just have to. I know that so many people are like, like you said, not in the same boat because everybody's different, but we're in the same boat ultimately, right? We're in the same damn boat. We're all in the same boat. So yeah.

Stoy Hall 28:56

And it's a big ass boat too, like

Kristina Hall 28:58

fuck. Oh yeah,

Stoy Hall 28:59

the

Kristina Hall 28:59

fucking Noah's

3 Moves to Start the Work and Just Send the Docs

Kristina Hall 29:00

Ark over here, bitch. I'm not religious. Let me stop.

Stoy Hall 29:05

So we talked a little bit about like you doing your own self internal- Yeah and internal work and stuff and, and now I know you were a coach at some point too, so I'm sure that had a lot to do with it. Is there like, I don't know, give people three things or three steps or whatever that would allow them to take this conversation and be like, "Okay, I can start doing this internally"? Mm-hmm. Uh, anything that you did specifically or Anything that could get them moved in the right direction?

Kristina Hall 29:35

Yeah, that's like a really good question. I mean, like I, I do have like friends who are like really spiritual, which really helps and like we dig deep into this stuff. Um, honestly I just dumped deep. I, I-- that's really what it was. I don't know how, how you can do that, right? I don't know how you can tangibly do that for yourself. But for me it was like through meditating and journaling and, you know, um, talking with my own friends and having those open conversations. I think that right there is key. Like have the fucking conversation. There's gotta be one person in your life. There's gotta be one person that you can feel truly comfortable. And I have a friend who I like literally one of my best friends in the world. I felt so comfortable telling him things and it was hard, but I would tell him things, right? And then I noticed it with like, okay, I have this friend that maybe I can have. And once you start having those conversations, you just realize how fucking normal this shit unfortunately is. 'Cause it does suck. Um, but yeah, like, you know, you have to figure out what going within means for you. Mine was through journaling, meditation, and conversations. But it helped a lot. Like I, I can't even tell you, like my mindset around all of it is so different now than it was. And I just think that is like, ugh, it makes me wanna cry. I'm really proud of myself. I

Stoy Hall 31:00

love it. You should be proud of yourself.

Kristina Hall 31:02

I

Stoy Hall 31:02

am. I will say it in a different way that, um, I don't know if we've ever used any of the marketing, but you know what it is folks? Christina, you know, all it is with the business stuff that we're dealing with and the headaches and the... It's being a fucking adult. Like that's all it is. It's adulting and it sucks No one has the answers. Everyone's just living. They're trying to make the best of what they have.

Kristina Hall 31:27

Yeah.

Stoy Hall 31:28

That's just adulting. That is growth. That's development. That's how life is. Uh, our generation was promised something way different growing up than what it actually is, and I think that's part of the problem. The, the thing is we haven't had these blunt conversations.

Kristina Hall 31:40

Yeah.

Stoy Hall 31:40

Our parents never had it with us. Their parents never had it with them, and so on and so forth. And so we are battling generations of not having blunt conversations. Now, yes, there's outliers, there's parents doing it, there's those things out there, but from a, you know, a generalization, we don't do that. We don't have this. We already talked about it. Yeah. Even when we do things and we're posting on threads and things go viral or some of my posts gets engagement, folks, check them out. See what people are doing. They're attacking, typically white dudes, but they're attacking and they're making everyone feel belittled to not have a actual conversation. And I promise you, I don't argue with them. I just bring straight facts and have a conversation. Because at the end of the day, if we can do more of that, and more of us can have more people in our corner to help us to understand, but also be very blunt and say, "No, don't do that. That's dumb," or, "Let's go this route instead of that route"- Yeah you're going to be more successful. Your business will be more successful. And at the end of the day, you're gonna just be maybe not super happy and joyous, but you're gonna be working towards that than the hole or the depression that you're probably currently

Kristina Hall 32:46

in. Absolutely. Like, ask for the fucking help. Like, I was in that depression hole. I cried. Like, it was horrible. And like, I can promise you, like truly promise you, submitting the fucking documents feels not that bad. Like, it's really a relief. Like, just do it. Like, you have to just do it. You gotta do it. It's the only way. It, it's the only way. Like, and I just think about, yeah, that shit sucked that I had to submit those docs and put it all out there, but I don't feel like how I did fucking even six months ago, and my situation really hasn't changed. So if that doesn't tell you something, you know, it's getting there. It is. I'm confident. But yeah, it's-

Stoy Hall 33:28

So she promised you that you'll feel better to submit the docs. So those listening, submit the damn docs. I think that's gonna be our title for this one. Um, but yeah, submit the fucking docs. Yeah. Um, until next time though, if you don't have a person, Christina and I will get you. We'll be your person. Come on. Absolutely. Just reach out. We'll just have a chat. We'll get you on your way. Um, and it'll be amazing. So, uh, again, I appreciate you, everything that you do for me and my family, uh, but also what we do for everyone else. Um, so until t- next time, go reach out to Hall Social Media if you need some work that way. If not, just reach out to her and have a nice little conversation with Christina, may or may not be related to me, s- um, Hall. All right? Peace, folks.

NoBS Wealth 34:28

The preceding program was sponsored by Black Mammoth. Any awards, rankings, or recognition by unaffiliated third parties or publications are in no way indicative of the advisors, future performance, or any individual client's investment success. No award, ranking, or recognition should be construed as a current or past endorsement of Black Mammoth. Information regarding specific awards, rankings, or recognitions is available on the Black Mammoth website, www.blackmammoth.com. All investment strategies have the potential for profit or loss. Investment strategies such as asset allocation, diversification, or rebalancing do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. This broadcast should not be construed by any client or prospective client as a solicitation to effect or attempt to effect transactions and securities or the rendering of personalized investment advice due to various factors, including changing market conditions. The information discussed in this broadcast may no longer be reflective of current positions or recommendations. While information presented is believed to be factual and up-to-date, Black Mammoth do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. The tax and estate planning information discussed is general in nature and is provided for informational purposes only and should not be construed as legal or tax advice. Listeners should consult an attorney or tax professional regarding their specific legal or tax situation. Past performance is not indicative of future results.