dental-ish by browngirlrdh
The first black dental podcast mixed with a little something extra. Podcast topics range from family, entrepreneurship, education, to working in the dental industry as black professionals. Brought to you by BrownGirl, RDH.
dental-ish by browngirlrdh
Why Dental Hygienists Make Great Financial Advisors
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Ever wondered how a dental hygienist could turn into a financial advisor to help families achieve financial security? Join us in this enlightening episode as we host Sheila Pizzo, who shares her incredible journey from working in dental hygiene to becoming a dedicated financial advisor. We uncover the critical importance of financial literacy and the often-overlooked benefits of life insurance. Sheila’s multifaceted role as a mother, grandmother, and guardian fuels her passion for ensuring families aren't burdened with unexpected funeral costs and other financial hardships.
Let’s talk about life-changing career conversations! I recount my personal story of stumbling into the field of dental hygiene through a chance encounter. This episode delves into the rigorous demands of dental hygiene programs, the vital role of scholarships, and the determination needed to balance work, family, and education. Our discussion sheds light on the significance of taking control of one’s future and the perseverance required to overcome obstacles and achieve professional success.
Why do so many people insure their phones but not their lives? We demystify common misconceptions about life insurance, stressing the necessity of proper financial planning. Sheila and I emphasize how straightforward and affordable life insurance can be, proving it’s a crucial step toward financial preparedness. Our conversation highlights the broader need for financial literacy across various professions, aiming to empower families to secure their financial well-being and protect their loved ones from unforeseen events. Tune in to start your journey toward financial freedom today!
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Financial Literacy and Life Insurance Benefits
Speaker 1Welcome to Dental-ish . Okay , this is season three . This is episode one . I am here with my good friend , sheila Pizzo , and I really wanted to get on here and give you guys some value and talk about financial literacy and being prepared to financially set your future up .
Speaker 1When I met Sheila , I didn't know anything about being financially prepared life insurance , any advisements , none of that . I thought it cost a lot of money so I'm like , let me not do it . And now I got life insurance on like six or seven people and I'm like , let me see who else I can put some life insurance on , because we always talk about how we talk about and we read about how life insurance is the quickest way to make your kids and your family and you know , your family members millionaires and leave them without a debt and burden . And when I spoke with Sheila , I didn't realize how inexpensive it was and how less complicated it was . I always thought it was something that was super complicated . Like you know , in order to get life insurance , you have to get blood work done and you have to do these tests and stuff and you know , just knowing how convenient it was and simple , I was like other people should know about this and it just really broke my heart . Every time I see on Facebook , gofundme is for people's funerals kids' funerals , babies' funerals and it's special to me and it hits home for me because my brother's funeral he didn't have life insurance and I had to pay for it and I'm still paying for it because I put it on a credit card . But when I spoke to Sheila I was like , yeah , same thing happened to me , like I was one of those people . So I'm always , always pushing for people to connect with Sheila and she's a brown girl , already age , and she's a boss and she's the grandmother and she has a whole what you got four babies that you're taking care of . Now I take care of three babies , one grandbaby and three children in my home that , yeah , I passed my time for raising kids , but God saw differently . So we do what we have to do . We do we have to do . So welcome everybody , sheila Pizzo , sheila , welcome , and I'm happy to have you , and I'm doing my little claps because I don't got the button yet . We're gonna get it .
Speaker 1Yeah , so you know , tell the people a little bit about yourself , how long you've been practicing , how you got into the field of dentistry , and then we'll go on to like when we met and then how we , how we got here . Ok , well , first of all , thank you , martel , for even thinking about me to be , on Dentalish , very proud listener and friend . We go way back and you know . Thank you for just giving me the opportunity to share more information when you said that it breaks your heart about GoFundMes and so forth . That is one of the reasons why I do what I do , because I'm very passionate about what we do here , because so many families do go financially broke or burdened or in debt because they don't know who to have the conversation . Debt because they don't know who to have the conversation with , or they don't know who to trust , or , again , they don't know that it is inexpensive . So a little bit about myself . I've been a hygienist since 2006 . And now I am still a hygienist . It's my first love , because it's not work , but I'm more in the financial advisor side now . I'm 51 , a lot older than you , martel , but you know I'm a wife , a mother , a grandmother , a friend , a confidant , a sister , a daughter . And you know I have seven children myself , ages 32 to two , and three of them are my biological . I raised , you know , three other children and that I have permanent guardianship of .
Journey to Dental Hygiene Success
Speaker 1And how dental hygiene was introduced to me was by my dental hygienist . And at the time , guys , I didn't even know what a dental hygienist was . That's embarrassing . You know she was sharing with me . You know she says what's your interest ? And I said , well , I was in nursing school but I didn't finish . She's just our regular conversations in the dental office , right ? And who knows , the conversations that we have with other people can change their life . Because it changed mine . What if she didn't ask me what my interest was ? Maybe that was my window of opportunity and it was . It truly changed my life , just that one conversation . And , believe it or not , that conversation was meant to be on that day because she left the practice . I never saw her again and that's something . But she introduced me to the field of dental hygiene and she said I said , can you write it down ? So I remember what the program is that I'm looking for .
Speaker 1And when I first applied to Clayton State , I was accepted . That's not on the norm . You know how hard it is to get in dental school and financially I couldn't afford it because I was already . I was already a homeowner . I was already married . You know children in school already and it didn't look like I could just quit at that time . Wait , you said that it was in 2006 ? No , that was before 2006 . I was actually accepted the first time in 2003 . The next time it came you know , it's like every two years it was 2004 . Every two years they accepted the program . So I was originally accepted in 2004 and I didn't go because I didn't have the funding , which that's another thing . Martell , I have to say to you , I'm so super proud that you have the scholarship funding , because there's so many people that want to change their life and they don't have the funding , and Brown Girldh is a vehicle for that . I love the fact that you guys are giving scholarships out , so I'm 100 supportive of that as well .
Speaker 1As you know which I didn't know that at that time , but 2000 , the next time to roll into dental hygiene , I had a conversation with my husband and my parents and I said you know this doesn't happen often . This is the second time I've been accepted and at my age and you know , at this time , you know , they told me when I went for the interview that you couldn't work full time and they were talking about how rigorous the program was . If you wasn't married , don't plan on getting married , don't have no children , all of these things I had already happened in my life . So I'm thinking I don't know what they talking about , but I'm coming and I did what I had to do because when the young lady told me they started 32 an hour , imagine back in 2006, . Somebody saying , oh , you can make 32 an hour . That seems like a lot of money until you start making it right . But I was grateful and I got in and , guys , I maintained a full-time job so the inevitable can be done . It's a mindset thing . You do what you have to do . Yeah , it's all about what you put your mind to do , you're able to accomplish .
Speaker 1I worked the entire time , full time , while I was in the dental hygiene program . I went from day shift to night shift . I worked outside on the airplanes and what I did was I I took down a promotion from being a courier to working on the flight line and I would put my note cards . Whatever we did in class that day , I would make note cards . We all know about the note cards and hygiene right . I would put them in my pocket and study while I was out on the flight line at night . So it was consistent .
Speaker 1I did put the hours in . It's just how you put the hours in Right . You was working on somebody else's time . You was like , all right , you don't have me stand out here , I'm gonna make sure I can do . You was maximizing your time , that's right . That's right . Every downtime I had the note cards in my hand . They used to have , like the dental index to study for the board exam . I would take a stack of cards every single day until I got through all those sections over and over again .
Speaker 1So you just do what you got to do . You do , you do , you do . And that's going to make , like we always say , you are who you are . So when you get in that dental practice , you're going to maximize your time because you knew that I had to do this and do that and make it away and it's a mindset and it's just not like , okay , where's the next person ? You're taking the initiative and you're taking control of your , your life and you know that's one of the things that not even your life , your future , your past , the generations to come . We talk about generational well , generation , generational curses , all of that stuff . But we know these things , but we just like I'll get to it later , I'll get to it later and that was one of my things too . So what , I think I met you in two . It had to be 20 , it was 2020 .
Speaker 1It was during covid that I met you , because I remember distinctly I was on the floor on the mattress and I was on the phone with you and I was saying how tired I was and I was trying to do this the life insurance and I was just like , oh my god , I gotta was trying to do this the life insurance and I was just like , oh my god , I gotta get this phone like this , like a talk me and talk me , and talk me , talk me . I was so irritated , but it had nothing to do with you , it had to do with my situation . Like I was literally on the mattress in an apartment and I just didn't . I was not , my mind was just I did not know . I did not know what was next . But you stayed on , you like let's just get through it . I was not , my mind was just I did not know . I did not know what was next , but you stayed on , you like let's just get through it . I was using the Wi-Fi from the gas station next to the apartment complex , like I didn't even have Internet . It was , it is . But think about how many times you still made the sacrifice . What you did know was the education I was sharing with you
Importance of Life Insurance Education
Speaker 1at that moment .
Speaker 1And , just like I tell everybody else , you're here now . We don't know what's going to happen when we get off the phone . We're not predicting death , but tell me , any person knows their date of death ? Nobody . And right now you have children . Right now you have assets . Right now you , you have the things that you need to do , what you need to do . But why do we always deprioritize our families ? I tell people all the time when you're putting life insurance on the end , I'll get to it . When you're putting your family on the end , why do you get up and go to work every day ? It's to protect your family .
Speaker 1But if you don't put things in place , how is that family going to be protected ? Because you didn't get to it ? You're going to leave two love letters . One is going to say I'm sorry I can't be here anymore , but I made sure that you were okay . The other love letter is going to say I was intending to do it , I just didn't have time . I'm sorry , there is no in between . It's one or the other . What do you want that love letter to say ? That you love the people that you love and care about the most , right , actually , you know I'm always make a joke about something , but you know in the obituary things when it says in love and memory , you need to put your love letter what you said I'm sorry , I was gonna get to it , please give it . That's your last words . Those are the last words to your family if you don't get that life insurance . Okay , and and and in theory , because I remember my mom calling me when my brother passed away and she was like um , the casket is gonna be six thousand , the funeral is gonna be nine thousand , the plot is gonna be blah . I was like huh , I did not even know and luckily I had . I had a credit card at that time and I was just like here , mom , put it , put it on this . And it was just the saddest thing ever . I did not .
Speaker 1You don't know what's expensive until you go . You don't know what's valuable until you go , and I always say how many's valuable until you go and I always say how many cell phones have people had ? Iphone , this iPhone , that upgrade , this , upgrade that and they put it on the back end . Oh , you can get a thousand dollar iPhone and break it up over five years and all you're paying is $19 . Well , guess what ? How about that ? And guess what else they do , martell ? They put insurance on a cell phone . They put it out of their life . Isn't that something ? Isn't that something ? The analogy is here . I'm just going to be quiet . You put insurance on your cell phone and not your life , and not your life . You value that cell phone more than your life or your car or whatever is insured , more your career . There you go Every year . You plan for that license , you plan for that malpractice insurance , you take any laser courses , anesthesia courses , everything you're putting value in .
Speaker 1But then you're sitting there like I'll get to the life insurance part and you know there has to be someone on this side fighting for us and our community to be educated better . That is where my passion come in . It's not so much that people don't want to do life insurance , it's the lack of education . It has not been a priority . Our grandparents had it , but they had the wrong kind . When we talk about different life insurances , a lot of people don't get it because they don't understand well , which one do I get ? Do I get whole or do I get term ? They don't understand the difference between the life insurance . So I go in very detailed depth on the education of that . Most people will get whole life because they feel like , well , if I get whole life , that means it lasts me for my whole life . That's not what whole life means at all .
Speaker 1When they talk about infinite banking , you can borrow from yourself . Well , think about this . You pay your car insurance , your cell phone insurance . Can you borrow from those insurances if you don't break your phone and you don't damage your car ? No , so why in the world would you borrow against your life when you only get one ? You got to make the money make sense .
Speaker 1And when you first get those policies , the first year , let's say you're going to over what ? What you're borrowing is overpaid premiums , that's the first thing . Money borrowing is overpaid premiums that's the first thing . Right , money . So the first two years they'll tell you well , you can't borrow anything because there's nothing there , because that money only grows at a maximum of 4% . So if it's only growing at a maximum for 4% and what you're putting in may be little to nothing . Let's say it's $200 a month . Well , you don't have anything in three years . You want to borrow $100 after putting $200 a month into a policy , and then when you pay it back , you got to pay it back at 6% to 8% . Or if they say you don't have to pay it back , it comes off the face value of the insurance . So now what happens when you die ? Your family got not only to pay that loan back , but they got less coverage than you started with . Make it make sense . It's just got to make sense .
Speaker 1So my question is what is the difference in layman's terms and basic ? What is the difference between whole and term , and which is the better one to get ? Term is always going to be better . You can listen to any financial guru suzy , orman , david I can't think of his last name , but you know who I'm talking about . But anyhow , term means immediate . That's with my company , and everybody's term is not the same as well , because you have some policies out there that starts off term that converts to hold . So you definitely got to make sure you have someone that understand insurance to read that policy because it can also be misleading . Not all terms work the same , but you want term because it immediately if something happens today . Do you want your family to be taken care of today or they're told two years ? No , it's not in effect yet , so we can only give you back the money you put in and average cost of burial is $15,000 in 2024 .
Speaker 1You haven't put $15,000 into a policy in the first year , the first six months , so you want to make sure in term is always going to be cheaper . Why ? Because it's pure life insurance . It's solely on your life . So you may pay $80 a month for a $300,000 policy . Well , what could $300,000 do versus a $25,000 as a whole ? Because you're going to pay the same thing for a whole life policy but it becomes very expensive because you're borrowing that . But look at term as $300,000 . It might pay off your home , or either half of the home . It could pay off the debt . It could put your family in the same financial position .
Speaker 1What life insurance is for is to make sure your family can maintain the same lifestyle or a better lifestyle in the event that something happens prematurely . The reason I say prematurely is because no one ever expects death . It just happens . We know our date of birth , we don't know our date of death and if you don't have things in place to accommodate your lifestyle , there will be a financial devastation within that family You're going to . You know you don't just lose the person , you also lose their income .
Speaker 1So let's say that there's two working parents and you have children . If one parent is bringing home $60,000 , the other one is bringing $100,000 , what will a $25,000 or $50,000 life insurance policy do for that household ? That's the questions we need to ask ourselves . It'll bury me , but what happens after burial ? They still got to eat , they still got to live and they don't have your income coming in anymore . So what is it that we can do to accommodate that ?
Speaker 1We go in , we purchase life insurance , but that's not the only thing , martell . We want to teach communities that you get the life insurance in place when you're young because it's affordable , it's cheap , you have two to three times the amount of coverage that you need , but also start investing for yourself . That's the plan . So if you're paying less on the insurance , whatever your budget is , also have you an investment plan , and most people don't even know you can start an investment with as low as $25 to $50 a month , so the same timeframe that you have that life insurance place for 25 to 30 years . Imagine if you're putting money in a financial investment for the next 25 , 30 years . Not only are you planning for retirement and financial well-being in 20 to 30 years , when you don't have that term , which you can keep it until you're 95 , but the idea is to have an option , right ?
Speaker 1So if you have the plan in place prematurely , if something happens , your family is okay , but you also have this investment in place because one day you're going to retire and what we do know is jobs do not prepare us for inflation . Almost everyone is doing a side hustle or something else because the jobs is not cutting it , jobs do not keep up with inflation . So what else does that mean ? If you only have your 401k with the job and if the job is not keeping up with the inflation , where would that put you at retirement ? You're going to run out of your money . Yeah , the Walmart super center Passing out little stickers have a nice day ? Yeah , because if you , you have to save your money , because one day your money is going to save you . Oh , yes , you have to .
Speaker 1So we have to think about , not just right now , not just the new issues that came out . If we really took our time and thought about how much money we spend on advertisement or stuff that we see on TV . It's a distraction . It's supposed to be there so that we are consistently financially controlled by the system , so that we are consistently financially controlled by the system . We talked about that with the eclipse , where everybody went out and wiped out the grocery . There's no grocery . You're going to spend all of your money money that you didn't have to spend Because they want you to live in fear . They want you to live in fear . You have to be in control . One thing we have to learn early on now that I'm so grateful for in the financial industry that I was introduced to is that you know you have to prepare for now and later , not just what's going on now , because we don't know what tomorrow may bring .
Speaker 1Happened drastically how have you left your family ? And that's something we need to pause and think . Okay , if God decided this was my last day , because he's the only one who makes that decision how am I leaving my family ? Will they be okay financially ? They're not going to remember the extravagant birthday parties , the , the name brand shoes , the you know the stuff that we buy , that this is . They're not going to remember that stuff . Yeah , and that's what I said . I said I saw a um , something about somebody some prom last year or year before two prom students were killed in a tesla and they were doing a go fund me for the funeral and I was like wow , wow , oh , my god . So they did this , not to say take away from the experience of prom , but they did all of that and did it . I'm pretty sure the tesla was insured , but the babies did not have life insurance
Importance of Life Insurance Coverage
Speaker 1.
Speaker 1And if you get in now , your children are covered with some of these plans at no additional cost . Well , the plan that I offer here , when you pay for one child under the age of 18 , it doesn't matter how many children or grandchildren you have , they're all covered . So imagine you know no one's trying to get rich off their child's debt , but something beats nothing . I hear you talk about your brother . So imagine $14.95 would have covered $25,000 a month . Where do we spend $14.95 ? You can't even get gas for $14.95 , but it would immediately paid out the $25,000 to make sure you know your child or your brother or your loved one is covered , and it is a touchy subject . No one wants to talk about death . But one thing for sure is that if you're living , you definitely have an expiration date .
Speaker 1We're all going to check out we don't know when , but why do we run from the responsibility of making sure we're all going to check out ? We don't know when , but why do we run from the responsibility of making sure we're prepared ? People will just avoid the conversation and they also make it seem as if you know that . You know it's so funny People . You know I'll follow up on people because I care so much about what I do , especially if I know you don't have any coverage . I know what it will do to the family . I've been there in both instances .
Speaker 1But you have to think when a person is reaching out to you , it's for your own good , it's for your family . My family is financially set . If anything ever happens to me , they're in way much better shape . They're going to be instant millionaires . Why are we not doing that ? Why are we not ? You know , if you leave your child , let's just say a half a million , even if you can't afford that , let's just go with 300,000 , right , it's definitely going to cover the burial .
Speaker 1Well , with the financial education . Guess what they could do with the other 150 ? They can invest that or even put it in an annuity where they know if they're not in control , they have money coming back . There's so many things that we are not taught about financial literacy , regardless of our degrees . Hygiene pays really well , but how many hygienists are still into buying the Gucci bags don't have life insurance . You know , just you know , and it's not just us , it's everybody . Sometimes I review doctors' insurance policies and they have the wrong plans in place . So the education is so needed in every field .
Speaker 1You know , we have to just truly understand , and I think that I think the I don't know if it's the intimidation part of life insurance . Or you know what do you do , or I don't understand it , and what am I paying for if I don't see it ? But it's one of those things where you , when you talk to my mom , remember , when you talked to my mom , what did she tell you ? And I was like she's not going to get life insurance . She told you when I'm gone , it's not going to matter . She said when I'm gone , it's not going to matter . She said it ain't going to matter . She said to me oh my gosh , I can't believe you brought that up . Your mom said well , I ain't going to know they can throw me in a ditch or something . And I said to her I said I want you to think about this .
Speaker 1Do you think , if something was to happen to you , that they would throw you in a ditch , I say , or if something happened to one of your children , would you have that same mindset that you could , you know , just throw them in a ditch or something ? She says no . I say they don't have that mindset either . And if we don't do something to put coverage on you , what you have done is put them in a much worse financial position , because if there's no coverage , the money got to come from somewhere . So you've put your children in a position to where they can't even mourn properly because they're too busy raising the funding to make sure they can bury mama . I said they love you , just like you love them .
Speaker 1So if you wouldn't put them in a ditch , don't say that they can put you in a ditch . Right , and the sad part about it y'all is I was going to pay for it . I just needed her to sign the freaking paperwork . She didn't have to pay for it , she didn't want to do it . I'm like you're not paying for nothing . My gosh , this mindset , honey . They look at that as that's money that could be going in the house or something else .
Speaker 1But you have to think no , listen , if we don't make our family a priority , who do you expect that's going to come in and say you know what ? I need to put life insurance on this person because their family is not going to do it ? No one is . Yet when we go out and we eat fast food , we buy these name brand clothes , we do these extravagant parties . Guys , we're making someone rich , we're investing in their family and their financial outcome and we're leaving our own family to figure it out . You guys figure that out because we went over here and had a good time for a few moments . You go out to eat . You're flushing it down the toilet . You might as well have took the money and flushed it in the toilet . You might as well took the money and flushed it in the toilet , but you'd rather do that than make sure your family is okay .
Speaker 1We got to start thinking very differently about when it comes to protecting our loved ones and also when it came to the life insurance , then I was like all right , life insurance . And then you start seeing certain stuff . You know certain stuff is going to pop up and there's going to be little reminders . Okay , let me think about investing , or let me think about my trust or my will , or let me think about other things . And , sheila , you told me about legal
Empowering Conversations on Financial Freedom
Speaker 1shield .
Speaker 1I thought legal shield was a scam . But when I tell you I call legal shield every single month about something for personal and business , I love it . I love it , I do . And what do they do ? Legal shield ? They'll review contracts for you . They'll write contracts for you . They'll refer you to attorneys . Your attorneys have a flat rate and I then I think I'll pay like less than a hundred dollars for both policies . I don't know how much I pay for it , but my point is like I utilize them . If you call an attorney , it's a 500 . It's a three to consultation fee , legalshield you can talk to an attorney that same day about your issue and then they refer you to a practice and you can do your research and retain an attorney or not , and it's unlimited , unlimited consultations , unlimited , unlimited consultations .
Speaker 1So we really want to think about where we're putting our money in and how we're investing it , because some , some people like I , don't need that . Well , you know what Legal shield Take care of your traffic ticket , you don't have to go to court . They don't have to go to court All of those things . You want to have your finances covered all the way around . You know knowing how to get out . If you have that , what can we do to get out of debt , to free up that money ? So now we have more to invest , so that you know you will never hear a successful person talking about how much money they have in the bank Never .
Speaker 1Even if you don't invest your money , your money is being invested , but who's making the most off of it ? You or the bank ? The bank ? Bank , because that's how they give out the credit card loans , the mortgage loans . You know all of those things is done with your money because they take your money and they invest it at a higher interest rate and they put it back out into the economy . But if they can do it , why don't we do it ? Because we don't know how . We don't want to ask questions . We're intimidated . Intimidated , yeah , but we feel like , oh , I don't have anything extra to invest . Well , if you don't start saving and investing your money , you'll never have anything to say . I can live financially free . You're not working to a financial goal .
Speaker 1You , you know everybody's thought should be when will I be at my first million ? What does it take to get to my first million ? And I'm gonna give you a simple scenario . When I first came into the business does it take to get to my first million , and I'm going to give you a simple scenario . When I first came into the business , I was able to get out of debt my first year in the business . So that freed up about $5,000 a month . But now that's easy for anybody to put $5,000 a month if you have a house note and car notes and things like that . Well now , if you're invested in a 9% interest rate , in approximately 10 years you're a self-made millionaire . It doesn't matter if you're working at McDonald's , it doesn't matter where you work and of course you can't say 5,000 working at McDonald's . But you know what I'm saying .
Speaker 1Average , if we show you how to get out of debt that frees up your income , take that amount , place it in a higher interest rate where you know where your money is being invested than a higher interest rate , where you know where your money is being invested in a life insurance plan . Also , people will tell you they're investing your money . Well , anytime you're doing an investment , you get a quarterly statement . You're not going to get a quarterly statement from an insurance company because they're investing it , not you , not . You understand that now , sheila , you got , you have so much information and I'm so I'm looking at your awards . Behind you , I'm like a hundred thousand dollar club , six figures . I'm in my office . Yes , you , I only got one thing on the wall . I got Andrew's handwriting on the wall , but I don't have no awards or anything but . But I'm looking at this like you are filled with a lot of information and a lot of knowledge as far as life insurance , investments and just things .
Speaker 1Like you , you're a dental hygienist that made your career into something else and you took that to where you don't have to be sitting in the operatory working for someone . You , what ? Let me , let me , let me reverse like I don't want to get off topic , but you made it so that you can get out of that operatory and make money for yourself and do what you want to do when you wake up and you have your children , your grandchildren , you have adoptive children like you . You have put yourself in a position to take care of your family . At the end of the day , like I don't say no to take care of my family , that's right . I work when I want to and I'm able to . I don't have to ask anybody for a day off or vacation . I don't have to do anything . I am in total control of my life , and that's when you get financially free . Those are the options you have . You have the option to do what you want when you want . You don't have to ask for a day off . And I see you notice that I'm in my office this morning , martell . I'm here with my team . How about that ? You want to work , to have your own team ? You bet you want to be a boss . You better get with Sheila Martell . You're the boss .
Speaker 1Let's talk about the real boss , from sleeping on a mattress in an apartment to what they say , the deed of a parking in the sky . I'm so proud of you , thank you , thank you , thank you . I appreciate that , but I , I just it's the people around you and it's a mindset , and once you put that little stuff out there , that energy comes back to you , you're not gonna pay for life insurance and then just don't do nothing else . There's gonna be a burning sensation in you , like , okay , what else can I do ? What else should I be doing ? How else can I financially prepare ? Or , you know , just the will , just the living trust or whatever . We all have assets .
Speaker 1When you leave here , you're going to leave something . It just depends what are you going to leave . Are you going to leave that will or are you going to leave that bill ? And some of y'all are going to leave a bill , and that's so important . I'm glad you brought that up , martell , because you can get a will started for $38 , man . There's no excuse for no one not to have a will . And and you have , as you said , legalshield . You can get your trust done through there so that you know that there's no argument .
Speaker 1And I did want to bring this fact up because this is something that we all need to know If you have life insurance , do not put your children down as the beneficiary if they're not 18 years old . A lot of times agents won't tell you that , but I want you guys to know that legally , if there's anything left , they can't touch it if they're under the age of 18 because they're not old enough and it winds up in probate court . So you want to get your will or put your trust in place . If you want to leave it to your children , you put it in that will . I'm leaving it to so-and-so because of this age , but at this age these assets belong to my children . You have to put that in writing so that you have your assets properly protected . Okay , and there's different ways to do that . But just know , if they're not 18 , don't put your babies down as your beneficiary , not if they're not 18 , so put down another adult , but tell them you can . You can put I don't want , I want my kids to get this when they turn right . They're just the trustee over it until then . But the assets are to be distributed to the children , because that's who you want protected , and I say that because we have so many different .
Speaker 1You have single parents , you , you have parents that just may have babies and again , we don't know our day to day . People die young . You have babies that pass away . My first death claim was on a four week old baby that had only been on the policy for four days , and that's what keeps me here too , because you have the opportunity to affect and change people's lives had I not had the conversation with the 27 year old mother ?
Speaker 1She had insurance on our job . That's another mistake we make . Having insurance is on our job . Do you trust your job to make sure your family's going to be properly taken care of ? Her job did not pay a dime on the insurance , oh my goodness . But we pay every dime , so don't trust .
Speaker 1Oh , I got it , I got it at my job . Yes , I hear that a lot . I hear that a lot . No , a majority of the time if you read the contract , because you don't have a copy of the policy . The reason you don't have a copy of the policy with your job is because you don't own it . Your company owns it and at any time they can say you know we are no , we , we no longer do covering life insurance , or they could . What if they lay off everybody or the the big business go ? Go well , you still got a family . You need to put something in place that you hold and you can properly protect your family , not a job , wow .
Speaker 1So , sheila , where can people connect with you to learn more about it and to get financially stable as far as insurance , and you can reach me at I'll take personal phone calls at 770-722-5863 . I also have instagram , sheila piso , and you can also reach me by email at Sheila S-H-E-L-I-A dot P-I-Z-Z-O at Primericacom , and I'll be more than happy just to ask you know , answer any questions that you may have . Right and again , it it's the conversation that needs to be had , and this is . This is just a regular person like a she , a dental hygienist , that done got out of the on and actually Sheila has put on not I want to say put on , but you've recruited other brown girls that have done very well selling life insurance as well , and that have made it their income . Yes , absolutely so .
Speaker 1Everyone who's looking like I'm burnt out , I don't know if I can do this . You do this from home . You wake up and do what you want to do , what you love to do , and you're helping people , and I say you always have whatever you do , you have to help people . If you help people , it will come back to you . Yes , and I think you change people's lives just like you're doing .
Speaker 1Martell , maybe the hygiene is not for you , but just like hygiene . I'm Martell , hadn't seen an operatory and I don't know when . So just understand that dental hygiene is a platform . We're all unique , we're very special people and it's the beginning of what we're about to embark on our journey . It's not the end . Always know that it's a starting place . It's not where we stop , it's just where we start and I don't think hygienists are going to have a hard time doing that , because our passion is to help . We want to make business , we want to heal . You know we're healers , so it's usually when we do get out we do something for people .
Speaker 1Yes , I love it . Love Brown Girl RDH . Love what you're about , love what you stand for . And thank you so much , martell , for making this a platform for other . You know , inspired . You're an inspiration to others to own their own business , to do well . We just love you so much and thank you for what you're doing in the community . I am always 100% support behind you know , in everything that you do , I'm there , I know , you know , and everything that you do , I'm there , I know , I know and I keep you .
Speaker 1Look , some people I got saved as contact . Other people are just numbers you one of my contacts on the list is that you're , you're , you're . It was a post that said your net worth is in your contact . You better say that it said it was in your contact . It's in your contact , I'm no . No , I'm sorry I said it wrong . Hold on , reverse y'all . I'm sorry . Your net worth is in your call log , not your contact . There you go . That's what it was , because call log , text message log you up in there . I got a lot of contacts on my phone and it's true . It's true , the people who are really valuable , they're going to be in your call wall . That's right . Those are going to be the people that you connect with . And I met Sheila in 2020 , and we're still trucking on . In five years , ten years , fifteen years , we're still going to be here . We're going to be trucking on . I promise you . Yeah , absolutely . But anyways , thank you guys for listening to another episode of dental-ish season three . We'll see y'all later . Bye .
