Let's Talk Midlife
Let's Talk Midlife
12: Financial Literacy: It's Never Too Late For Midlife Women to Build Wealth
I'm super excited to be discussing with our guest financial expert Bella Jones how midlife women can build their wealth, even if they feel behind financially.
We'll cover the biggest financial roadblocks and how to overcome them, as well as steps to acquire assets, build an emergency fund, and start investing.
Whether you're just starting out or looking to make a change, this episode is for you.
About our guest:
Meet Bella Jones, the financial strategy coach who's on a mission to empower women to take control of their finances and build generational wealth. With over 17 years of experience in Corporate Finance, Bella is a highly-organized finance professional who specializes in financial planning & analysis and revenue forecasting.
She's helped over 500 women learn how to budget, build an emergency fund, invest, and improve their credit scores through her online courses, mastermind programs, e-books, and 1:1 coaching. As a mom of 2, wife, dog mom, and homeowner, Bella understands the importance of financial stability and uses her expertise to drive business growth and educate others.
You can connect with her on Instagram, YouTube, Clubhouse, Twitter, Facebook, and tune in to her podcast "How To Stop Being Broke" to learn more about her financial strategies.
Get ready to take control of your finances and build the life you deserve with
Bella Jones.
Stan Store https://stan.store/Hardeelife
Instagram https://www.instagram.com/hardeelife/
TikTok https://tiktok.com/@hardeelife
Midlifers, welcome to Let's Talk Midlife. I'm the Midlife Maven, your host, Natasha Hardy of Hardy Life, because you deserve a hearty life. This is a podcast for midlife women who want to learn tips, tools, and strategies to get through their second season of life. Have you ever struggled with poor self-care, lack of confidence, having no plan, and the fear of aging? Well, you're in the right place. Press play and let's dive into today's episode. Happy Midlife to you. Happy Midlife. Welcome to another episode of Let's Talk Midlife. I am here with my amazing guest, Bella Jones, and I want to let y'all know that She is not one to be messed with. She's all over Instagram with all the juice on finance in every direction you want to talk about. We talk about finance from the worst place to live, the best place to live, how you need to get your insurance. Who's paying the best money? What states to live in? What states not to pay? What's the highest states to live in? She's giving you the goods on all sides. Also, she is into the black girl luxury and her other brand is about midlife, not midlife women, women investing in themselves. And I'm going to step out and say she's a midlifer. She's a young midlifer. I want women to see what midlifers are doing and you got you doing the damn thing, Bella. So introduce yourself and tell folks what you all about because we're going to talk about investment today.
SPEAKER_00:Ah, I love it. Thank you, Natasha, for the wonderful introduction. So yes, I am Bella Jones and I am all things finance. So in my business, I do focus on personal finance where I help women of color build generational wealth and get laser focused on their financial goals. On the other side of my business, I do focus on helping small businesses and nonprofits become more profitable and scale their businesses with ease and also with less overwhelm. So I do have two hats that I wear in my business. And I'm very passionate, though, on the personal finance side as a woman of color. we have the largest wealth gap. And so I'm doing my part to help and empower and educate my community. So I use all my platforms, Instagram, Facebook, TikTok, everywhere you are, I am hanging out too. And I really want to empower and educate you so you can start to take your financial future in your hands and just start to make the progress that you need to make.
SPEAKER_02:Absolutely. Thank you so very much for sharing that. And y'all better get on board with Bella. I met Bella by doing a room called... We note to self dose of positivity. About a year ago, we was doing this room every day and I never heard of Bella, didn't know who she was or anything until we did that room. And then I started following her on social media. Plus she had opened up her own clubhouse room and her knowledge on finance is like phenomenal. I've never, I've always heard people speak about finance very singularly, if that makes sense, like in this genre or that genre, or it's very pedestrian. and difficult to comprehend. However, I feel like your languaging is made in a way that everyone, whether they're I'll say not so advanced I'll talk about myself not so advanced on finance can get it you know it's like your languaging is palatable it's digestible I understand it I can follow the bouncing ball when you talk so it's like now other people I'm like child I got to turn away I don't even know what they say
SPEAKER_00:so I want to say thank you for that positive feedback and that really is part of my brand in that I worked in finance for 18 goodness 18 years now right and And I understand that finance speak can be intimidating, right? So when I'm in a boardroom, finance speaks finance, like medical speaks medical, legal speak legal. They all have their own language. But if you're not in that niche or space, it's going to sound like gibberish and you're not going to focus and pay attention. So that is part of my brand in meeting my audience where they are. So they are open to learning and they're interested in making this important because when it's not a focus, the time will pass you by, right? And our community, we have some work to do, right? And so I do have the feedback in that my content is palatable and digestible because that is the mission, right? To kind of meet people where they are so they can start taking the steps that they need. So I love it.
SPEAKER_02:Do you feel like investing is important for women of color to get into or to know about?
SPEAKER_00:Great question. So it's important because it's the only way to build wealth besides winning the Powerball or Mega Billions, right? Investing does come in different shapes, fashions, and forms, but it is the only way to really build wealth in a way that doesn't require you to constantly be in a state of working. And so the earlier you start, the better you're going to be, but it's never too late to start. I think that That's where I am really focused on right now with the women in my community because many of them, they're in that place where they feel like they're behind or maybe they haven't even started and they already have this sense of feeling defeated, right? But it's never too late. But it really comes down to getting started and feeling comfortable with acknowledging what you know. what you don't know and filling in the gaps. But again, back to the initial question, it's important to build wealth. We really want to have that wealth, whether it's retirement wealth, generational wealth, whatever it is that you're looking for, investing is really the only way to make that happen. So it has to be a priority for sure.
SPEAKER_02:With that said, how does one begin? Like what, I'm even thinking about myself. Like I have a few investments and I've heard you say you shouldn't invest in anything you don't know about. So talk about that. Like when someone joins your community, your investment community, because you have an investment community, right? Yes, correct. And this investment community, what are the first steps that women get to know about when it comes to investing?
SPEAKER_00:Great question. So in the Investing Society for Women of Color, it's really about meeting you where you are, right? So you mentioned earlier, right, there are people who are more advanced, people who are somewhere in the middle, and some people who don't have any knowledge about investing at all. So the first premise is to meeting you where you are. And in that, it's really understanding where you are right now and what your ultimate goal is, right? Based upon where you are and your goal will determine what your path is. forward is going to be. So the goal of the community is to help you understand the fundamentals of investing, because that's the one thing that most people don't have. They're throwing money into these things, like I say, throwing spaghetti at the wall. So maybe they have the 401k, they have the IRA, and they're buying all of these things without really a true understanding of what they're actually doing. So in the community, we go over how to research a company to determine whether or not they're a good investment. We go through the different metrics that you could consider. I call it the investor checklist, right? So every investor should have a checklist. Now your checklist and Tasha might look different than mine, but we all should have some kind of thing to say a company needs to meet these four to five things to say it's a yes. it's a no or it's a not right now, right? And so with that checklist, you're going to have that as your focal point when you're looking to make future investment decisions. So in the community, we go over how to read financial statements, how to understand using social media, mainstream media to collect information, right? Because while we do have the fundamental parts of investing, what's going on around us also plays a part. And all of that combined then it's gonna help you make future investment decisions. So in the community, we're gonna focus on helping you navigate that together. So we have our live coaching sessions and we just talk through real life information and say, how can I relate that to my pocket, right? So when we listen to the news in the morning and you're listening for the weather, the traffic, and you hear all the ins and outs, my goal is to have you turn your investor ear on. So you're hearing something, it's not just a one, It's, ooh, maybe I could use that information to help my portfolio, right? And so that's really the goal of membership is to help you become a more strategic and educated investor. The more information you have, the more confident you feel. I think that's the biggest thing that I'm focused on is increasing our confidence because the market's going to do what it's going to do. But when you have that confidence in education, it really is empowering and you feel more confident making those decisions.
SPEAKER_02:Absolutely. Absolutely. And let me just say that what I feel like I'm hearing is you're giving, you're teaching people fundamentally how to invest. It's not like, oh, go for the, you know, the Bitcoin or the S&Ps and this and that. No, you're like, no, what I'm teaching you is the brass tacks, the fundamentals of investing. And from learning these fundamentals of investing, you can then pick Your portfolio, how you want it, could be very different than my portfolio or Kim's portfolio or Susan's portfolio. You're saying I'm giving you the goods on how this is really done that nobody's telling you. People are telling you, join my this, and we want to tell you to invest in A, B, or C, and that's not necessarily what, as women... From your perspective, Bella, this knowing women and how women do things. So this kind of like giving you the basics will help somebody build their strategy or the system on how to invest money.
SPEAKER_00:Correct. So that's exactly what it is, right? Because I'm not a financial advisor, but as someone who's worked in finance for 18 years, I had the master's, I had the bachelor's of science in finance. So I understand, and I've been trained, right, to understand economic trends, industry trends, doing research, reading financial statements, and all of those play a part in the stock market. But as someone who is a numbers person, I know other people are not necessarily numbers people, right? And they might hear P&L, but Like, oh, my God, I don't even I don't know what that is. Right. And so it's really about creating a safe space for my members to learn. And that is what I'm finding is really missing. Right. In the in this space is that people feel that they're in their 30s, 40s, 50s, and they feel like I should know this already. And I challenge that to say, well, how would you know if no one taught you? So I went to school for finance, but no one talked to me specifically about building an investment portfolio. They taught me economics, macro, micro. They taught me about financial statement. They taught me about all the other things, but not really about investing itself. That came in the corporate world of working in corporate finance. So as someone who was educated in that space. If I didn't get the funds, right, how would another person who maybe had a degree in nursing, right, where are they getting that knowledge from? And it also goes back to working in corporate, for example, you go to a job, hey, we give you a 401k, we give you 6% match, just, you know, open it. Okay, but what am I picking? What am I, right? Like no one really spends time to educate you, but I am seeing more corporations are offering education through either the service provider or a third party. So I do like that. But also as a woman of color, right? I understand how to speak to other women of color, right? There are certain things that we deal with. There are certain ways that we think and that we feel that a non-person of color may not really understand. And also I find that it's easier to learn when someone looks like you, they understand you and they see you. Come on with it.
SPEAKER_02:What feedback do you get from them? Because to your point is, working with women who look like you, what is their feedback when they begin to get these fundamentals and start building their portfolios and start seeing the results from them just taking action?
SPEAKER_00:Oh man, it's usually, oh my God, Bella, where have you been my whole life? I have one client, she went through my investing accelerator and she said, I just feel so empowered that this is life-changing for me. So this woman in particular, her husband is really into trading in the stock market and I think he does crypto as well. And so they will have certain conversations, but she's more so just listening to what he has to say, but can never really speak on it, right? Because that's just not her lane. So after going through the accelerator, He was talking about a certain company in the EV space. And she was like, oh, well, let's go online and do some research. And he was like, what? And so she went on Yahoo Finance. She was showing him their P&L statement, their balance sheet. And so she was walking him through all the things that she would look at. And he was like, okay, baby, I see you really are putting in the work. And she said in that moment, She just felt it was inexplainable. But she said as soon as she was done with him, she had to give me a call. Because she wanted to tell me about how she felt in that moment. And she said six months ago, I never would have been able to do that. I would have heard him say the company name. And I would have been like, okay. But now they can have this conversation together. And I like to say iron sharpens iron, right? So now if you're learning and I'm learning, we're now building this thing together. So for me, it was like, that's my mission.
SPEAKER_02:That's why I'm here. You know, I was going to say what comes to mind is they now have another level of connection in their relationship. So that is relationship. deepening your relationship with your partner on a level because that's what he was into and she was just like kind of like yes out there but now she can be like and he can get into it with her and have now have a conversation and I feel like especially as you you're in a relationship with your partner. And as you age, right, we age out of certain things, right? We age out of like going to the bar and hanging out. We age out of going to a party every weekend or once a month or whatever. We age out of things. However, what begins to create a deeper connection, which is something a lot of midlifers are looking for deeply deep connected relationship yes you have a level of interest now with your partner where you both can not only share ideas but you can build wealth together yes explore things together there's a there's a growth In this, more than just a level of interest, we can grow financially. We can grow intellectually. We can go to conventions together on this. We can travel related to this. People don't really understand. This right here is really rich because I had a friend that I went to elementary school with. He told me he didn't And I was talking to him about, you know, my whole financial situation has been loop-de-loop since I became a single parent to my granddaughter. Right. He was like, don't be ashamed. He's like, you fine. I get my finances together until I was 50. And he's with his second wife now. Okay. My wife is into all of this and she's this. And I'm really, he really is into her because she's into making money. Whereas me, His first wife was all about how much she could take from him, right? And spend. And spend and get from him where it was a turnoff for him, right? Among other things. Right. This woman is into like making money and how they can advance and he's into it too. And he's, you know, he's probably... a year or two younger than I so in eight years he went from having poor credit to great credit to being now looking at investing and all of that stuff and staying on top of his numbers and now have a new wife who's into it so I just it just made me think of that when you shared that story because yeah this is this is romance on another level baby
SPEAKER_00:right and she also told me the way her husband looked at her in like admiration and And she was like, it was just so nice to kind of see him. We look at me like, wow, my baby's really into this now. So to your point, they can now, again, build this empire together. And I think that's the other piece of my mission is that I really want to empower and educate women because financial traditionally thought of as a man's thing, right? It's a man's field and that's for a man to figure out. And whether you're single or in a relationship, right, I think there is something to be said to educating yourself for a number of reasons, right? So as we are midlifers, right, tomorrow isn't promised to anyone. And if you just have one person, whether man or woman, who's doing everything, that's a scary proposition if something were to happen to them unexpectedly, and you are just blindsided with no clue of whether you're up, down, inside or outside, right? So I think there should be a shared responsibility to some extent. And again, the more you know, the more you learn. And the biggest piece The other part to my mission is passing down this knowledge to your children and loved ones, right? As a community, we have this thing of generational wealth and we want to have all this wealth and make things better for our children, but you're doing them a disservice if you don't pass down the knowledge to them as well. Because when they inherit these assets, whether you're alive or after you pass on, if they aren't equipped emotionally and mentally, with the knowledge to manage the assets, they can just, waste what you have spent your time and lifetime to build. And I can share a few stories, but we can see about going into that a little bit later. So building generational wealth is really, there's two parts to it. Well, three parts, actually. It's acquiring assets. It's protecting your assets, but also passing down the knowledge and information. And those second two pieces I mentioned, the asset protection and knowledge transfer is not what many of us are focused on. We're so focused on Securing the bag, right? That's the new catchphrase we're all using, that we miss the other two components of building wealth.
SPEAKER_02:Okay, so what are the three components so people can know? What are the three components of building wealth? And ladies, pay attention, please.
SPEAKER_00:So one, acquiring assets, of course, right? That's investing in the stock market, investing in real estate, starting a business, right? You're taking your money and investing them into assets that are either going to grow in value or pay you money, right? The second part is asset protection, right? You want to protect the assets that you are acquiring. The number one thing is life insurance, right? You are your biggest asset while you are in your income generating years. And if you are the main income provider in your family or one of the main, you need to protect assets. yourself as an asset by having life insurance. There are other things you should have in place, of course, homeowner's insurance, maybe disability insurance for your business, right? You should have insurance. And then the third part is the knowledge transfer. Who are you planning to pass down these assets to and are they prepared to receive them, right? So those are definitely the big three components for sure.
SPEAKER_02:Yeah, it's real interesting, right? Because I have a relative that was married and their wife died. And come to find out, she left him nothing. And he was in tears. Left him nothing. Gave all her money to her kids, right? Yeah, and he was devastated by that. And yeah, so that's why when you posted that thing about who's on the insurance policy. And home for you. So that's really interesting. And I had another friend of mine, I was talking to married to a woman and found out that he's not on his wife's insurance policy. that he was, she had her relatives or other relatives on there. He's like, I got you all my stuff. And I think he went in like kind of rejiggy that. Important for people on the other side of that, I would say reading your stuff that you hire somebody to read your last request because I am a product of My mother leaving her, her, her, the, I guess, whatever, the person who reads the will to one of her relatives, to one of her siblings. And to this date, we never heard about my mother's, what my mother wanted, what was on her will, what was any of that. And we tried to get an attorney or something with it. We was never successful with it. And now she can't hear no more. So we never found out. what my mother wanted, where any of her stuff was to go, any of that. They deciphered all that between her and her kids. And so it's very interesting. So that is a huge lesson for me. Like you can't even say, well, I'm going to let my oldest child read my last. But you can't because how are you going to make them read it if they don't want to? How can you make somebody read that if you don't want to? And then what, you're going to spend a whole bunch of money in court to get it what have you.
SPEAKER_00:Right, right. So I think the biggest issue I find, people don't want to have these conversations. And that's why we find... ourselves in certain situations because no one is proactively talking about it. So at the last conference that I hosted, the Building Black Legacy Conference, we had an estate planning attorney there. And I was really happy that she's a woman of color, right? Because she, of course, speaks to us in a way that we understand. And I had my parents at this conference because I wanted them to hear from someone who's a professional, the importance of having these conversations Right. So there are three of us girls. I'm the oldest. I have two younger sisters and my parents. We know what they want to be buried. We kind of know how they want things divided. But we should still you should still have a will. Right. There are certain things you still put in place. And it gives everyone a comfort of knowing this is your last request. And having an attorney. Right. Right. And they also help you think about things that you probably wouldn't otherwise even think about. Right. So one thing she mentioned was, do you have an estate plan for your business? I said to her, I do not. I've never thought I never thought I needed to have one. She was like. Pace and points, right? And so this is why having professionals in your corner are really important. So back to the conversation, but the life insurance, who is the beneficiary? When have you last looked at the beneficiaries, right? People get married, you get divorced, you have kids, situations change between people, right? And so you need to kind of keep your information up to date based upon the latest and greatest information information or situation going on in your life at that moment. You can't do the whole set it and forget it. You really should kind of look at this stuff. And I mean, your checking account, savings accounts, money market, 401ks, life insurance, everything. At least once a year, taking a look at it, but also letting other people know where certain things are. Like a copy of your will. Like a copy of your life insurance policy. It's easy to say, oh yeah, I have a million dollar policy. Who's it with? Right. Something as simple as that. Right. Like, where is it? Right. Who has the pool? Who's the policyholder in regards to the company? And can I get a policy number? Right. So there's so many pieces to wealth building. So going back to the initial part of the conversation, it's these three parts. It's not just. securing the bag and getting assets. It's not just that, right? There's other pieces of it that you have to put in place to make the whole picture work.
SPEAKER_02:It's part of the investment. It's like what it's, I was sitting here thinking, do we get off track? But I was like, no, this is part of the investing. This is, you have to invest Your knowledge, you have to invest your time. And like you're saying, it's not a one and done. It's not a one and done. At least once a year, you go over this. Or if you have a shift in your marital status or relationship status or whatever the case is, let's say three tips you would give to women listening into this conversation today for them to just... Get
SPEAKER_00:started. Get started? Yeah. Okay. Great question. So first tip is have an emergency fund. Now, that might not seem logical, but... it really is the first thing you need to have in place. Now, I'm not saying you should have 20,000 in savings somewhere, but at least have, you know, one to$5,000 sitting in a nest egg somewhere to cover you in case something happens, right? And the reason why I say that is what we will find is if you start investing and you're putting all your money in there, but now you have this emergency, whether it's a car repair, home repair, medical bill, life is lifing, right? And if you don't have the disposable income, you're going to go to where you have the money and it's your investments. So now you might sell some stocks, sell some bonds. But when you sell an investment and if you sell it at a profit, Uncle Sam wants his piece of your profits. So there's a tax liability whenever you sell your investments. So this is why having your emergency fund sitting there will be good. So you don't have to tap into your investments anymore. If you do have something that comes up. So that's the first tip I would say. Have some kind of savings. Get laser focused for, let's say, you know, three to six months to build up that nest egg. We're going through a savings challenge right now in my investing society to save$1,000 in 30 days because it's really important to have something. Most of us think the stat is 60% or is it 40%? I forget now. Once it's 45% of Americans don't have$400 to cover an emergency. So the$1,000 savings challenge is a great place to start. And of course, you can scale it from there, depending upon what your needs are and what your situation is. That's tip number one. Tip number two is sit down and decide how much can you realistically invest on a regular basis. I also find that we tend to overcommit when it comes to our investments. So we might say, oh, I want to put$500 a month. But then you're doing that and you got to pull out 100 because the light bills do. Right. So it's really important to be conservative. Right. And then$50. No, I'm being so serious right now. Really start with the realistic number that you can say every month for the next 12 months, I can put in X amount of money. And then, so let's say, so it's, it's March now. So let's say April 1st. Okay. I'm going to put in$100 in April. And then let's say you get to May. You're like, you know what? Maybe I could do 150. Okay. Great. Or let's say June comes around and you're like, well, I can only do 100, but then June 20th comes and you can put an extra 50 bucks, right? But just start on a conservative number and add more as you can versus over committing and then having to pull money out because you got bills to pay. So that's the second thing. Look at your budget and realistically commit to a solid number. The third tip is, invest in things that you understand. So the great thing about the stock market right now is you can invest with any amount of money. You can invest with$20. Technically, you can invest with$5. You don't need thousands and thousands of dollars. And just start investing in companies that you do know and understand. So if you like Amazon, Go ahead and invest in Amazon if you feel comfortable. If you like Apple, invest with Apple, right? Don't go for these fancy stocks that you hear people talking about, but you yourself have no idea what they do, right? You can watch CNBC Money with Kramer or Charles Payne, right? You could watch that and you might hear these company names. Oh, I'm gonna buy this. But do you know what they do? Do you understand what their company does? If not, then you don't buy it. So you really want to start with the companies you know, you understand, and from there, you scale. From there, you gain more knowledge, you get more sophisticated, and you can kind of dibble and dabble, right, in different industries or different companies. But don't get fancy. Start simple. If this is your first time getting started or you're new to this, keep it really simple until you evolve and get more sophisticated as an investor.
SPEAKER_02:Awesome. That It's beautiful how they can get in touch with you because we're about to wrap up and we're going to have to have you come back and talk about Black Girl Luxury. And she told you how she a whiz with these credit cards. She gave some information, honey. I had to start paying all my bills with a credit card. This is what I had to start doing. I could do this. I'm spending this money every month. You know, it just made some sense to me. But that's what I'm saying is that you talk about this stuff and you make it very simplistic. So that it's usable, it's doable, and I can do it. And I really do love what you just shared about in the three tips, right? You can't invest, don't invest a whole lot of money when you get started. Because if you're building that, you can't feed two babies at one time, right? You got to do all of that. Yes,
SPEAKER_00:yes. And just to kind of go off of that, I don't think it's either a piggyback, but to kind of segue from that is that a lot of us feel this urge to play catch up. So we're looking to, so I had a survey done in my community. my social media community, to really understand what people are struggling with when it comes to wealth building and financial literacy and all of that. And the biggest pain point is they feel as if they're behind. And because of that, they're trying to play catch up and they're now taking, they're investing more riskier assets in the hope to catch up. So to kind of go back to what you were saying, someone might be listening to this and say, well, if I just invest all this money, then I can have money to put in my emergency fund. They might think that. And while that is a strategy, not one that I agree with, in order for it to work, when you pull that money out, there's a tax implication to that. So you want to kind of make sure you're not adding more tax liability if you have already, right? Old school Sam every single year. So the emergency fund will be there tax-free for you to just have at your disposal and then focus on the investment. You can't be in this space of trying to catch up because when you have, I got to, it really puts you in a place where you're making some bad investing decisions. You really find yourself making some decisions that otherwise you would not have made if you felt like more comfortable with where you are in your circumstances. So I always like to talk about mindset when working with clients one-on-one or in my community, the mindset has to be worked on first. So you have to be okay with where you are, right? The mistakes you've made up until now, whatever lessons you had to take from those situations, take the lesson and leave the rest of it behind. Because again, that's the other piece that trips us up with our finances. We're harboring on what I could have done better, what I should have, could have, would have. That doesn't help you in this moment. In this moment, the biggest thing is the lessons learned. So we're not repeating them, right? Take the lesson and just focus on doing your best going forward. Now you might still trip and stumble, right? That's just the way life goes, but you have to focus on this in order for the money to make sense. So until you get this address, the money is not going to flow the way it's supposed to. And I find that That's the biggest roadblock for a lot of people. It's the feeling behind. It's the trying to play catch up. It's the insecurities. And it's the feeling of shame. So you have to really leave all that behind. That's why for me as your coach, I'm going to meet you where you are to get you where you're trying to be. And there's no judgment there. in between that's the biggest i've i've seen it all i myself have been through it all and it's not about judging you or asking you questions about why you that's not what we're here for we're here is you're saying bella i need help and my thing is great and now let's do the work and that's really it
SPEAKER_02:you know what i like to say there's no gratification from desperation
SPEAKER_00:oh
SPEAKER_02:So gratification from desperation. So don't do it to yourself. Don't do it to yourself. Well, thank you so much, Bella. Before we leave, tell people how they can contact you. We're going to put your information in the show notes so they can go to the show notes and tap in. But the ones who got their pen and paper out or their phones, let them know, honey, where they can get in touch with the one and only Bella. Bella Jones.
SPEAKER_00:Got it, got it. So my handle is Bella's Credit Corner, B-E-L-L-A. The word credit, C-R-I-D-I-T, corner, C-O-R-N-E-R, on pretty much every platform, TikTok, Instagram, Facebook. I have a Twitter, but I don't use it anymore, thanks to Elon Musk. And I do have my own podcast called How to Stop Being Broke with Bella Jones. It's streaming on all platforms. major platforms. But the best way to reach me is really Instagram. That's pretty much where I hang out most of the time these days. Content is fire. I'm
SPEAKER_02:telling y'all. Thank you. Let me tell you, I don't really comment on many people's posts. Sad to say. I don't really have time to. It's hard. I feel inspired to put my two cents in there.
SPEAKER_00:That's the goal. That's the goal with the content because you feel like, oh, I got to respond to this one
SPEAKER_01:because
SPEAKER_00:they're juicy topics, right? Personal finance is very personal. We all have an opinion on it.
SPEAKER_02:And you find the topics are relatable. So, you know, I just want to say that the topics you put in are so relatable, right? and you know because you talk you talk about the the lottery and you talk about so many things anyway real life stuff
SPEAKER_00:real life
SPEAKER_02:page and see what she got on it is fire content i'm i'm going to tell you that believe me when i tell you so thank you for joining us Thank you for having me. Yes, you coming back. You coming back to where you going to give us black girl luxury conversations that these folks find out about these credit cards and how they can get to be using them to travel around the world like you, my dear, has done. And she's taught herself, like she said before, Bella's taught herself about investing. She taught herself about these credit cards and how to use them for her benefit. So you want to follow her Check her out on social media. Her content is fire. I'm going to say it again. It is fire. And she's an amazing person. She's she just the best thing I could have done was say yes to the note to self room that we were doing because that was a great room on there were phenomenal. And I've made such great connections with all of you wonderful women. Now, y'all remember. Listen to Bella. Till next time, we will see you. Have a great one. Thank you, Bella.
SPEAKER_00:You're welcome.
SPEAKER_02:thank you for listening in today you could have been anywhere and you chose to be here and for that i truly thank you remember to like subscribe and leave a review at the end of this podcast follow me on instagram and tiktok at hardy life that's h-a-r-d-e-e life also you can catch me on linkedin Under my name, Natasha Hardy. Remember, if nobody's told you that they love you today, let me be the first to say, I love you. And there ain't nothing you can do about it. Go be amazing because you are. Because you are. Until next time.