All right , welcome to Coffee Talk with the Cajun Mamas . Today we have a very interesting guest . Her name is Skyla Louviere Hi , and she is going to discuss with us just being financial
literacy within this new generation coming up . But first we're going to talk about Our grand sponsor . Our grand sponsor .
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Speaker 1I'm going to call the painter in . I've painted my whole entire house myself and when I'm telling you I will never do it again , I will call Skeet . Yes , you know , especially like a lot of people , they can't find a handyman . You know somebody that can fix something real quick . It's not really a big project . It's hard to get somebody to come out . Y'all call Skeet Thibodeau at 337-308-2713 .
Speaker 2You can find him on Facebook , search Thibodeau's paint and finishing yes , thank you for being a grand sponsor of the podcast this month .
Speaker 1All right , so we have with us Skyla Luvier . She is how old are you ?
Speaker 3I am 19 years old . I'll be 20 in October .
Speaker 1She's 19 years old and we could be her mom almost pretty much .
Speaker 2Yeah , we could be her mamas , yeah , well she said her mama was 40 .
Speaker 1I'm like , I mean I'm knocking on 40's door myself , so okay well okay . So the reason she contacted me and was like I don't know what I gotta do , who , how do y'all pick who's gonna be on the podcast ? And I'm like we have really no screening process , we just it's people that we find interesting , or you know , and she was definitely interesting .
Speaker 1I got several long messages from her but they were all so well thought out and like I was , like I got , we got to talk to this girl because she she seems like she's got a good head on her shoulders and it's so good to see that from this fresh generation coming up . So tell us a little bit about your story .
Speaker 3Oh , okay , so I was 16 years old and a teenager , so life was different .
Speaker 1Yes , very just , go with the flow , learning everything .
Speaker 3Yeah , I got pregnant . I was going to rain high at that time and I was actually a part of student council on the executive board . Well , after I got pregnant , I started my junior year for about a month and I realized for a long time I'm a school person , but I'm more of just I want to get in school , get everything done and go about my day . So there was an option at SLCC . Well , now SOL , now solac or sola cc everyone says it different . You could get your high set , also known as the gd or
some places . It's different . Okay , so you're able to go to classes . You on , uh , under six , no , under 18 , you're , you know , go to the classes . It's all free until you have to take the GE or HiSET test . That's about $150 , which isn't too bad , honestly . It took me about two months to get everything done . I passed with flying colors and they told me that I could apply for college . Well , I was still only no , I just turned 17 , I think , or I might have been 16 .
Speaker 1You might have still been 16 .
Speaker 3I know , I was pregnant at the time . Those years were a blur .
Speaker 2I'm sure .
Speaker 3Yes , it was so fast . So after that I think it was 23 . So spring of 23 , I started college . Well , I had my son in March . It was a rough semester , but it wasn't too bad . I honestly enjoyed it . I love the college life . I was in a class with some older people , younger people like it was very so .
Speaker 2who's watching the baby while you're ?
Speaker 3in class , so mama .
Speaker 2I have a wonderful mother . She is amazing .
Speaker 3Thank God for mamas Mom she really took like she wanted me to still succeed . Like I wanted to be a lawyer . Like I wanted to go before I got pregnant , I got this tattoo . I wanted to go to New York and I wanted to become a civil lawyer , because I'm very about everything . Like that .
Speaker 2That's your jam .
Speaker 3Yes . So mom still wanted me to do something and I still wanted to do something . So we decided on business . Well then , the second semester rolled around . I passed the first great second semester rolled around . I was like I don't know , maybe I want to try a different route . I like business , but I'm not sure . So I loved school . So mom was like , why don't no teaching ? I was like , okay , let's , I switched my whole major . Okay , I started subbing here and there and I decided , well , maybe not teaching , maybe that's not the route . So I was like , okay , let's do general studies till I figured out . Well , in that third semester I decided , let's just just wait it out . So , come that third semester , I passed . Well , the summer rolled around . Life . Life takes turns where whirlwinds . So Liam was going through some things . Um , he had had some surgery , um .
Speaker 1This is her little boy . Yes , Liam is my little boy .
Speaker 3He'll be two on March 28th . He is different . He's different . He's a kid that is buck wild , but he likes his space , like , let me tell you . So I was like you know what ? How about I just take a mental break ? I didn't do any summer classes . I was good with that . Well , come the next semester , which was last semester , I decided you know what , I went to Lafayette , parish , the school board , and I started full-time subbing .
Speaker 1And I started how is that , Like ? I bet you're so busy .
Speaker 3So I started actually just going to the schools and I would go to a bunch of different schools . Yes , and then I actually started working at Barranco . That's off of Moss and Mud , okay On the north side . I loved it there
. Actually , I had a couple teachers who taught me in the past at other schools , oh fun . Yeah , yes it was an ace model school so they brought teachers in from different schools . So I worked there for a little while as a long-term sub , because it was hard to get subs .
Speaker 1It's there for a little while , uh , as a long-term sub , because they it was hard to get subs .
Speaker 3It's really hard . Yeah , it's like really hard to get subs . That's what I'm saying . You must have a full-time job .
Speaker 1Yes it's part .
Speaker 3It's you get to choose your schedule more or less like you could . You have an app and you can choose everything it's it's . They make it really easy , like it's wonderful , all right yes , and I was like , okay , you know , I did that for a little while and I was like , well , christmas break came around . I was like I want to go back to subbing part-time . Because , Mama , she has carpal tunnel , so with Liam it's a little hard to pick him up .
Speaker 1He's a heavy boy .
Speaker 3And he's growing and he likes to deadweight you all the time .
Speaker 1Yes , that's the age , that's the age .
Speaker 3So it got a little bit easier once I started part-time again , which is now . So where I am now I'm trying to as an entrepreneur . I guess entrepreneur , that's what I want to be . You don't always know what you want to do , like , exactly like there's no set path because you could go at any branch . You want anything , you want Anything , you want Exactly . So I want to try different things . I try . I've been trying photography out um I've been trying . I want to try this I want to try content create .
Speaker 3I want to try different things . Um , I'm getting into kind of into limelight I started . I want to try to , I thought you when you asked me that I was like .
Speaker 1You are the perfect candidate for it because it's so on your own it's flexible marketing .
Speaker 3Marketing's my thing . I love marketing . That's just everything .
Speaker 1Yeah , so it's so good for you yes , I find you know , just talking to you for that little amount of time , especially if you want to be an entrepreneur , that's a great , a great place to start . Yes , um , I have a lot to say . Yeah , uh , but let's talk about our , um , our , and it is how the Cajun Lady Accent yes , our good friend .
Speaker 2How so you guys y'all need to go to howthecajunladyaccentcom . If you have not checked out her whole line of seasoning you're missing out . She's got so many different types of seasonings Creole , zydeco , cajun Waltz , a blackening seasoning called Blacken , that Cajun Spicy Two-Step . But my favorite things are like the dry dip mixes and the spaghetti mixes and stuff , and the chili mix , chili mix , the firecrackers .
Speaker 2I mean you ain't going to be sorry , no matter what you get , but those are just some of our favorites . And then now that , like crawfish season is in full swing , she got that seafood ball butter , she got the seafood ball , the dips , that you can dip your seafood in .
Speaker 1She got a dip already made for you .
Speaker 2Yes , it's already made . Yes , and all her seasonings are low in sodium and MSG free , so you need to go check them out . You can find her by searching how the Cajun Lady Accent on Facebook , snapchat , youtube , tiktok , any in Instagram , any social media . She's on it , so thank you so much .
Speaker 1Oh she's there baby . Even on that Snapchat . Even on that Snapchat , all right . So I have so much to say about what you just told me , because you know , whenever people tell you , okay , you're going to go to college , that's what they told us . You're going to go to college and it's going to take you four years , just four years . It did not take me just four years to complete college . I did it in four and a half years . How long it took you ? Four .
Speaker 2No four and a half because I started with a .
Speaker 1I was going to do an associate's degree and some of my credits didn't transfer over so I had to do like a whole nother semester so that . But this time in your life and this was so interesting , uh to me about you it was like you you already kind of know what you kind of want to do . It seems like a lot to me , but I'm I'm already nervous just thinking about all of it . But then we do the same thing .
Speaker 3We got a thousand arms in the far too . We do a lot yeah .
Speaker 1But to see somebody so young and figure out that you know what , it's all right that this didn't work out , you know , and it's okay , like because this time in your life is for figuring things out , yep , and we always say it's the hardest time In the 20s to 30s is the hardest time because you're expected to do so much with your life in such a short amount of time . So I left them bananas right there . They real , they real bananas .
Speaker 2I was like this is our snack for after a while it is . Look , put it right .
Speaker 1There , I'm going to put one on each side . Put my brown bananas right there . Don't mess with my arrangement .
Speaker 2Sorry .
Speaker 1I thought for sure you forgot that there . Sorry , I thought for sure you forgot that there . Nope , put it right there for a reason , so I wouldn't forget to eat it . And because they brown bananas , sorry , all right , um , but I like that that , you , you . A lot of times people are like down because they're like oh , that didn't work out .
Speaker 2When life throws you a , huge curveball like , yeah , unexpected pregnancy , that's right you're not letting that stand in your way of building a future for yourself and your little boy , and I want to know , subbing in all these schools , what is something that you are seeing that these kids are not getting that they need ?
Speaker 3Financial literacy .
Speaker 1Absolutely .
Speaker 3I find that for me like actually one of your sponsors tips want . As I was listening to that , the first thing that comes to my brain is well ,
life is expensive , homes are expensive . Not everyone gets the luxury of inheritance , not every person gets the luxury of having parents who explain a lot of things . So , having the parents I did every . They were very open financially my dad's in the oil field , so that was very unpredictable sometimes . So my parents explained everything to us . Like I knew what a credit score was cool . I think I was like 10 um and I'm , I'm helping mom with the bills . I made her her spreadsheet like it's expensive life , very expensive . But a lot of students today like when I talk to them about everything yes , they offer financial classes or business classes in high school and even eighth grade , but they are not mandatory . But what is mandatory in life ?
Speaker 2Yeah , what .
Speaker 3Money , you have to live life . What do you have to have Money . No matter where you want to go with your life , you have to live life . What do you have to have money no matter where you want to go with your life , you have to have money . You want to buy a car , you have to have a credit score , or at least someone with one right you have to have all these things .
Speaker 3So you can't just say , today I'm gonna go buy a car . And I think what happens is a lot of students who decide once they graduate high school because they are not of that knowledge or they I research a lot Like if y'all tell me something , I'm going to go make sure to understand it completely before I talk to you about it . I'm not just going to say it like because , oh , I want to .
Speaker 1Yeah .
Speaker 2That's what I'm going to do . She's a green personality . She's a green yeah .
Speaker 3And so my experience with the students is I notice they don't do that . They don't realize what they're talking about .
Speaker 2But when we have our news is our facebook feed . Nothing is verified .
Speaker 3This is the generation that's coming up , so yeah , I get what you're saying to have these kids are these young adults need to have this knowledge to build their future . If we give them , or even if y'all give me or people my age are younger than me , I'm 19 years old , y'all give me people my age are younger than me , I'm 19 years old . Okay , I have a long life to live . Yeah , absolutely . Some students are . They don't understand that , like you have to realize , don't waste it , but enjoy it at the same time , you have to make it your own . You have to make it your own .
Speaker 2But having those skills . You have to have these skills , the knowledge of it , when you're that age going into the future , when you're just starting out to build a credit score or whatever how imperative , like how great Big props to her parents for bringing her up with all this . Like , hey , this is it , the importance of it , that's so important .
Speaker 1Like I always , the things that I remember most from high school is probably home ec . You know , I learned how to cook some of the basics of cooking in home ec sewing like just the basic stuff you know like , or she did talk about finances , some with us , and free enterprise and stuff like that . But you know like , I feel like they have this business class but not everybody's taking it , because they're not realizing how important all this is going to be to them .
Speaker 2Yeah .
Speaker 1You know . So I find that to be so interesting and , like I said , big ups to your parents for really giving you the opportunity to learn that at such a young age . That is a teachable moment . That is a teachable moment . It's always a teachable moment .
Speaker 3Mama always told me , pay ahead if you can . If you have the extra money pay ahead , because you never know what that next check will look like .
Speaker 1It's so true .
Speaker 3Especially in trades or the oil field .
Speaker 1Yeah , you don't know .
Speaker 3So if you pay even our car notes , you know how you're given those . I think it's I don't know if it's 90 days or 45 days to pay that first note . Mama always paid that first note before that date , so she'd be technically two months ahead .
Speaker 3Yeah , that's what we like to do , because it makes it easier , cause if something were to happen let's say , dad's out of work for a month when winter , winter things happen every day or their rig goes down or something happens you have to . You don't want to have to just leave . You have everything still there . You don't want to get everything repossessed , you don't want those things to happen .
Speaker 1Yeah , so you have to prevent . It's so important you have to prevent . I just love talking about this with her .
Speaker 2So much wisdom coming out of that young young person right there . It's wonderful . Okay , let's take a second and mention uh 87 washes mobile detailing so this is a precious family-owned business . Um , they started jorge and his wife ashley . They met on a mission trip , y'all they just they are so precious , but anyway , they have a mobile detailing service for your vehicles . They can come out to you and just from top to bottom go through your car vehicle and make it spotless . Sarah knows this firsthand she had .
Speaker 1I had him come out . He detailed my vehicle . Yes , it's time for him to come back .
Speaker 2As a matter of fact , yeah , springtime sun is shining , it's time , and now they're offering gift cards on their website .
Speaker 3Oh , yes , girl Go to 87washes .
Speaker 2No , I'm sorry . Yeah , yeah , yeah , 87washesmobildetailingcom . And what a perfect Mother's Day gift card .
Speaker 1That's what I was just thinking . What a perfect Mother's Day gift card . That's what I was just thinking . What a perfect Mother's Day gift card . Go get your wife a Mother's Day gift card and get all that cereal out the car .
Speaker 2All the goldfish crackers , vacuum that up .
Speaker 3Well , right now we're not able to give him the horror stuff because he had trouble swallowing at the beginning .
Speaker 1But we're getting into the , the toys , the toys and everywhere so y'all go ahead and find them on facebook , instagram , google , you can even search 87 washes 87 washes mobile detailingcom .
Speaker 2go get that gift card and use code cajun mamas all one word to get 10% off your gift card I tell you what ? Yes , friend , we're moving on up for 87 washes yeah , that's all the pollen on my car . Oh no , that's what I'm gonna have to wait for that pollen to move on because that's never gonna happen .
Speaker 3But all right um all right .
Speaker 2So I mean so what you think would be the first steps for a young person to take , like , let's say they're like well , my school don't offer that . You know where can I get knowledge to take my finances into my own hands ? Like what would you say if somebody had asked you that Like what to do ? First , research , just do your own research .
Speaker 3Everything I learned , including , you know , my mom , everything she's taught me . But
I would also go on my own and research , or I would ask anybody really .
Speaker 2I would find someone you admire , sort of how much are ?
Speaker 3you paying for this , or couldn't there be a different way to do this or go about this ? There's different ways to go about everything . There's always a different way . I think a lot . My goal , like I'm going to school for business , my goal for my last final business before I go is to have a free , not you know how they have the boys and girls club a non-profit free mental , either mental health or something for young adults , our teens or anyone to go if they need tutoring in anything .
Speaker 1Because in high schools now like I took .
Speaker 3Well , they call it . I think it's food and services . Now I have a certification for that . But in high school you know how you have home ec . Well , at every school they offer it in different ways . Now I didn't do the baby thing , I didn't do the sewing .
Speaker 3I just learned how to cook , but you also have to learn different things . It's not just cooking anymore , so it's a lot more textbook knowledge now . So , like I said , do your research , ask around , ask people , your age . I like my dinosaur earrings because I'm a dinosaur . I always joke with my mom . I'm a little bit more mentally up in age , so I like to communicate with the older generation because I feel like I can learn a lot more . But as the times are changing so much , it's a lot different than when y'all were growing up , when y'all were 19 , I'm sure milk did not cost what it costs now ?
Speaker 1No , it don't , no , exactly , it did not . No , it didn't , no , it didn't .
Speaker 3I thought gas was hot , it didn't , it really didn't . So I mean you have to talk to every generation . You have to Even the middle schoolers . The middle schoolers are getting to that they have like snack shops . How about start if you give your kids an allowance ? Even the parents can be a part of this with their kids . Give your kids an allowance , have a shop in your house I've seen parents do this where they do like a little sign to where they get a certain even my not , it's not real money monopoly dollars and they have to just to teach the concept of things cost and budget .
Speaker 2Budget save it .
Speaker 3Yeah , because even with credit scores like with your because when I turned 18 I'm very honest and open my credit score was 756 I piggybacked off my parents .
Speaker 1Not everybody gets that opportunity yeah .
Speaker 3But the best thing you could do is research and ask how do I start this ? They have plenty of people , plenty of businesses , plenty of it's everywhere . We have Google . It is open to everyone . Now watch what you search up , right , you have to make sure it's certified . In school you learn how to know what is credible .
Speaker 1Accreditable yeah .
Speaker 3You learn that If you can learn what's credible , you'll be fine . Go on TikTok , go on podcasts . That's what I do , a lot of things in our home . We research it . There's probably so many . Oh my gosh , we've learned to fix so many things on YouTube .
Speaker 1Oh yes .
Speaker 3YouTube University Taking care , even taking care of your children . It's so like if I had a question . Yes , I have my mom , but not everybody has that . Look it up . If your kid's doing something different that you don't , what is going on ? Look it up . If there's a certain kind of medicine that you're like man , I'm nervous to give this to him because I am a medicine . I'm very medicine . If he's sick , I have to give him some medicine . But I like to research before because there are certain things , especially with the kids , these generations , what they consume , you have to watch for that , oh , absolutely .
Speaker 3Especially with the prices too , you actually could get something cheaper . That is pretty much the same thing . So price check Me and my mom price check everything , Price check .
Speaker 2Baby Girl , if you saw my living room .
Speaker 3Everything we have came from Ross's came from Dee Dee's came from Burlington TJ Maxx . When you're young I understand everybody likes the name brand stuff . But actually , girl , this shirt came from before they Big Lots . I love this shirt . Like I love it . I got some Jordans from Ross Girl bargainet . Girl . Bargain Shopper . Bargain Shopper .
Speaker 1We like to bargain shop . We some thrift .
Speaker 3Oh , that's my sale shopper videos . Y'all we love to thrift now .
Speaker 1Goodwill , they getting a little hot ?
Speaker 3Oh yes , they are .
Speaker 2I've noticed that they getting a little hot with Goodwill , they getting a little extra .
Speaker 1All right , and y'all already know we like we some thrifty people , um , but let's talk about how the cajun lady accent one more time and uh , we , we're gonna wrap this episode up . So how the cajun lady accent is one of our , one of our dear friends . We said that already she's got a great line of seasoning that we actually use in our house . Yeah , my favorite is the cajun walls , uh , and the mexican fiesta oh , we could fiesta , we could taco .
Speaker 1So much that Mexican Fiesta is , we have to have that on tap at all times at our house .
Speaker 2Yeah , and I ran out of seasoning one time and in a pinch , the Mexican Fiesta dry dip mix . Heck , yeah , mix that up into meat .
Speaker 1Works as a seasoning too , baby , Well my daughter loves the let's see Mexican Fiesta dry dip . Dry dip , yeah , yeah she likes to make dip all the time . With that matter of fact , she had her a dip . I called it a dip charcuterie . She with that dip she had brought one time and you brought it to the house . She had , uh , she had gotten all kind of little chips and crackers and put it all and she was just having herself oh absolutely so , but you can use the uh , the mexican fiesta Cracker Mix for the dip too .
Speaker 1It's very versatile . Yeah , fry up some chicken with some of that stuff . Yeah , I haven't tried it , but I should .
Speaker 2Yeah , I know I'm so hungry right now too , talking about this , it's seafood season , y'all .
Speaker 1She's got liquid seafood balls , seafood balls seasoning the dip already done , liquid butter , her Cajun fry batter . She also has hats and t-shirts available on her website . If you like , that merch how the Cajun lady accent On Facebook , snapchat , youtube , tiktok , instagram , and if there's any other social media platforms , I'm sure you're going to find her on there , all right ? Yeah , well , thank you so much for coming , and is there anything else that you wanted to kind of share what ?
Speaker 2are your plans ? Like you , you're in school , still for business , and then what you do ? You have a goal as to like what you want to do when you're done so after I graduate , I want to open my first business .
Speaker 3Everything I will
open will probably be either family owned or just close friends , because I want everything to be family oriented . Everything in my life has always been in my cry . Everything has been about my family . My family is a big part of everything I have done . They have got me through everything Like they have .
Speaker 1It's just my back and you have so much more to go you know , this is just the beginning . For you , this is just the beginning for you and that's why you interested me so much . When you came to me about the podcast . I'm like this is such a good fresh . It's for us to see the younger generation excited about stuff like this yeah , you know , yeah , you're going to go far .
Speaker 2It gives us hope , yeah . And yeah , you know , yeah , you're going to go far . It gives us hope , yeah . And if anybody wants to connect with you , you want to share any socials or anything like that . Are you ready for that yet ?
Speaker 3I'm trying to get out . I want to get out there . I mean they can follow me on TikTok . If you just look up Skyla Louvier , you'll see my face .
Speaker 1And it's Skyla S-K-Y-L-A .
Speaker 3No R , no R . My entire life . Everybody spelled it with an R Skyla .
Speaker 1No , it's Skyla , but you know , not everybody's from here either , so you better go ahead and spell , louvier too , L-O-U-V , as in Victor . I-e-r-e . Very good . Well , thank you so much for coming today . It's been such a pleasure talking to you ?
Speaker 3Yeah , it's been a pleasure .
Speaker 1Thank you for contacting us and reaching out , because this is great . Yes , yeah , all right , we're going to mention , we're going to close out this episode by mentioning our friend Skeet Thibodeau . With Thibodeau's paint and finishing , he does interior and exterior painting and staining sheetrock . Finishing big projects , small projects . Skeet does it all .
Speaker 2Candyman things . I'll tell you what . Um , he can do some minor carpentry work and if you got some , some stains on your ceiling from water damage stuff like that , he can fix that right up for you . Give him a call at 337-308-2713 . You can find him on facebook search tibidows , paint and finishing .
Speaker 1Thanks , skeet for being our grand sponsor . Yes , all right . And thank you for listening to coffee talk with the cajun mamas . We'll see you next week .