Timeless & Unfiltered
Welcome to Timeless & Unfiltered, the podcast where we keep it real, raw, and refreshing for women in midlife. This channel dives into the joys and challenges of midlife with humor, honesty, and heart. From navigating menopause, dating, and fashion to tackling health, relationships, and rediscovering passions, we cover it all—nothing is off-limits!
Whether you’re laughing with us, learning something new, or simply enjoying the ride, Timeless & Unfiltered is here to remind you that life doesn’t slow down at 40—it gets better. Hit that subscribe button and join our community of unstoppable women living their best, boldest lives!
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Timeless & Unfiltered
What's Next? Life after Fifty
They said life slows down after fifty… but we didn’t get that memo. In this episode of Timeless & Unfiltered, we’re getting real about what comes next. We talk about shifting priorities, chasing new dreams, letting go of old expectations, and finally doing life our way. From wellness and wealth to passion projects and passports, we’re mapping out the next phase—and it looks nothing like retirement.
Let’s redefine what fifty (and beyond) really means. Spoiler: we’re just getting started.
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Being a little older, we were trained different about money, trained different about credit. We were taught different things about credit and credit cards. Rich people are always in debt because they never touch their own money. We always hear it all the time other people's money. That's credit cards. You got a $20,000 card. You got a $10,000 card. We need to have $50,000 at closing. You pull $10,000,. You pull $10,000. I'll pull 10. You pull 10, you'll pull 10. We got 50 000.
Speaker 2:Let's go close on this apartment building together. This is legra. This is stephanie.
Speaker 1:This is sheree and this is ivania. And this is timeless and unfiltered, where we are spilling the tea on midlife. One laugh at a time. All right, you don't have nothing special, did you? No little song or ditty you need to, do you? Still nasty girl? She left over, left over from the last time. You still nasty girling? Huh, you been nasty girling all week, yeah, okay. This is Lekra, with Timeless and Unfiltered. This is Stephanie, this is Sharice and Evanya is out with us today. However, we still gonna keep spilling the tea on Midlife. One laugh at a time, one laugh at a time. You been nasty girling all week, huh.
Speaker 2:With nobody to be nasty with.
Speaker 1:Ever since we did that episode, you just called me talking about nasty girl. I'm not nasty for real. Uh-huh, you need to be Just like, please, jesus. Well, let's talk today a little bit about just kind of what's next in our lives Transitioning. I know we've been all talking about different career things. First of all, we all have our own careers, own businesses, um things like that. But what's next? What's? What's what's next in this fabulous 50s?
Speaker 2:you know what I realized the days of retiring from a job. If you're not, if you haven't been at that job for a specific amount of time, I don't think there's any such thing anymore as retiring from a position.
Speaker 2:I agree um because, like I've talked about my transition, um, in employment, and so it's like I feel like I always have to have some type of backup, like something, or even a partner in life. Why does the voice do that? Because it's like it's stressful, it's just I think it'd be easier with a partner, because if one person lost their position, then somebody else could hang on to things, but if it's just one person, you're just at God's grace, which God has been graceful with me, and so I know for me I'm working. Thank you Jesus, thank you Jesus. But I'm trying to pivot maybe a little differently in my life, where I want to be like a digital nomad, and so I'm in the process of trying to sell my home and I feel like I don't want rent, I don't want mortgage, I just don't want all that overhead anymore.
Speaker 2:Or if I do do it, I would want to do it with a partner the next time. I don't, it's a lot.
Speaker 1:So your home is on the market and if you sell it here anytime soon, what's the plan?
Speaker 2:I'll be traveling around, so I have certain cities okay that I want to go post up at, so my daughter's in tampa. So I said I'm gonna come down there for like two weeks, did like a little airbnb or something. Sit down there with her for two weeks then I want to go to phoenix, sit there for like two weeks somewhere.
Speaker 1:Then I want to go to Dallas well, let me know when you go to Dallas. I'm like I'm hanging out.
Speaker 2:Okay, then I want to go to Dallas, and then I want to go to Chicago. Oh yeah, let me know, we go to Chicago and then. I want to go to Manhattan for a couple of weeks, get Airbnb. I want to post up and just walk around, become a local at the bar, like for a couple weeks yeah, yeah because, plus, I want to open up my own bar.
Speaker 2:So it's really essentially me getting out talking to bar owners. I'm like, hey, so how you just? And then I want to open up different locations. So me traveling around creating networks and maybe securing bases for my my own bar is what I want to do. And then I want to go to london and I want to stay in london for like a month. Let me know when you go to london. Yeah, I want to stay in london for a month. I want to go to italy, stay in italy for a month and, uh, maybe thailand for a month, oh, wow, and then I'll just, hey, welcome back us. Um, but I just want to get out and do things. I told my kids listen, I'm about to be gone. How's gonna be gone? I don't have anything tethering me here right now, so I'm gonna go, experience some things and start doing things by myself. I've always waited for people to do. You gonna come with me, you go? Yeah, I'm about to get out solo travel.
Speaker 1:So, yeah, I'm about to do it, so that sounds exciting it does.
Speaker 2:I'm about to do it. So that sounds exciting though it does, I'm like, please, jesus, let it work out, it's going to work out.
Speaker 1:But you know what Plan? Plan one from planners of travel.
Speaker 2:Yeah, plan one phase at a time.
Speaker 1:Yeah, that's all I'm going to do, you know what I'm saying, because you may have it may not go exactly like that, but you know what I'm going to be here for two weeks and work them two weeks and then you know, then, what's the next phase? You may have to skip one and go to the next one and come back to that one.
Speaker 2:You know what I'm saying. Like don't get stuck to anybody's structure or schedule. I want to meet different people. It's just a whole big old world out here and I always I told my kids we're not limited to just living in the US, you can live anywhere. That's why I started traveling with my kids abroad very, very early, Like we don't have to just stay in Georgia, we don't have to just stay in the US, we can just branch out. So I've been like, yeah, I want to go to China. They're like what?
Speaker 1:Listen, I'll get them started over there. I'm like I just dead ass wanting to do something different. So it's exciting though. It is exciting. So just you know, have that little girlfriend time. Yeah, be like uh, yeah, y'all gonna come on. Yeah, I'm coming out to chicago. You want a thailand? Come on. I love london. London. I have and I have not been to london in years, but it is still probably one of my favorite places. I think it was, I think it was the. It's something about the history, like we don't have places like that.
Speaker 1:We have plantations you can go visit you know, I might want to see that you know what I'm saying but when you just walk and all of a sudden a big old castle pop up, you're like, oh, with the rolling hills and the sheep up on in the meadow yeah, like in the movies, you know like like in the movies Wow, we don't have that kind of history over here.
Speaker 2:I want to see it in my life and not just on TV. The cobblestone streets and everything still looks like gingerbread houses and stuff.
Speaker 1:Yeah, there's still a lot of communities and stuff like that. It's amazing, I'm going to do it. I love London. Now you're going to be hungry. I'm going that. It's amazing, I want to do it. I'm gonna do it. Yeah, I love london. Now you're gonna be hungry and you know you're gonna have to. You're gonna eat a lot of american food because I'm I'm telling I don't care, they can't cook.
Speaker 2:Probably, I would assume, carry your own seasoned salt and garlic pepper. Yeah, bring your hot sauce. Bring because and they make them on little key chains now where you can carry.
Speaker 1:Yeah, you're gonna need you're going to need it, just so you know you're gonna need it, anything european, you're gonna need some seasoning, I imagine all right, yeah, I imagine because I love seasoning. Yeah, but the experience is absolutely amazing yeah I love it. I always, at the time that I went to london, I think I had just gotten married and I remember being in london like damn, I got to go home, don't I? I got married. Damn, I got married, dang you liked it.
Speaker 1:You know how people will go visit somewhere and just never come home. Mm-hmm, I probably would have done that if I had not had just gotten married.
Speaker 2:Oh, I can't wait to go. I probably would have never just came back home.
Speaker 1:Wow, I love London. I'm walking next to a skinhead. I'm walking next to an African who speak, who got an English accent. I'm walking next to a Chinese person. I'm walking. The diversity I love the diversity. I love the, the culture. I love the, the jump on a train and be in Paris. You know what I'm saying, like jump on a train and be. You know what I'm saying. It's different than saying I'm going to Miami.
Speaker 2:Yeah, or to Jamaica.
Speaker 1:Yeah, I'm going to.
Speaker 2:Miami. It's just a different side of the world.
Speaker 1:And do the same thing, and but the connection of being able to get to so many different places. That's what I want to do you know, I think I'm going to be in amsterdam. Or you know, I'm saying I love, I want to experience.
Speaker 2:Yeah, it's that, that was for me, I wouldn't have came home if I had not have just gotten married, yeah, I might not come back, I'm just gonna stay here.
Speaker 1:Well, I'm coming to visit in your flat, in your flat, in your flat because you know they love to live in flats in your flat for a month. So what's next? What's your next phase of life? I know we're getting ready for retirement. Yes, December.
Speaker 3:Yeah, that's great. I can't believe it. I've been talking about it, I know. But yeah, I know December and it's interesting. I was listening to you and we haven't even talked about what we're doing really next.
Speaker 2:But yeah, I'm going to have a travel buddy.
Speaker 3:Yeah, girl, but I'm staying like three months, so like Costa Rica three months.
Speaker 2:Hey, listen, I'm dying. Mexico City three months, I'm down.
Speaker 3:Like just different. I'm just going to go to different countries and just stay.
Speaker 2:Oh, luckily, you to go to different countries and just say oh look, look, look.
Speaker 3:Your eyes is back. You'll be everywhere with us. Yeah, I'm not sure. I'm really not sure how much more travel. I want to do in terms of the business, yeah um, I don't know, I I luck, me luckily just did well enough I could do it or not yeah, you know, and so it's just like in my next phase of my life. What do I want to do now? I enjoy the travel and putting together the events and and whatnot, but it's it.
Speaker 2:It can really be a choice now yeah, even what I decide to do, or not, do you know?
Speaker 3:what I mean so and we can work from anywhere.
Speaker 2:That business.
Speaker 3:We can work from anywhere.
Speaker 2:We put the work in, so now it's like luckily we did something.
Speaker 3:No, you're going to be right there with us. No, I won't.
Speaker 1:I won't be there. Why not? I won't be there because I'll be here building this portfolio. It still can happen, I know but I got to come and see, I got to check on my properties.
Speaker 3:Oh, yeah, you got to do that.
Speaker 2:You can take breaks.
Speaker 1:I'm knuckling down.
Speaker 2:Let's say you leave right after closing. You done got the house together. Okay, we closed. All right, you can take a break.
Speaker 3:You're going to have the people in place to run a lot of it for you.
Speaker 1:That's what y'all said.
Speaker 3:But okay, if you're putting it together, I get it yeah.
Speaker 1:You can take breaks. Yeah, I would take a break, but I couldn't be gone that long.
Speaker 3:Well, no, no, no, we're not saying that long, we're just saying we'll be there, so come in and come out.
Speaker 2:Yeah, I'm going to pop in, yeah, Now, if you find a six, five, hello beautiful chocolate man I don't even care what country you're from, about six
Speaker 3:five, yeah, um, but let me know that's, that's, that's my goal, and you know I love zumba like nothing ever I really want to be a zumba instructor. I've always said when I retire, I want to be a zumba instructor. And so um always said when I retire, I want to be a Zumba instructor. And so what we talked about, our last one of our episodes, we did about, you know, making sure that we keep our bones and moving in motion.
Speaker 3:I was thinking about that. But yeah, I always wanted to retire and be a Zumba. Look at that.
Speaker 2:I've been trying to figure out what my old lady job was gonna be.
Speaker 2:I ain't gonna have one so listen that's the goal because I just like god, we're getting older. So I tell you, I'm constantly checking, like my ssi, like where am I at now? Where they got the 62 you can you get 2000 and they're like really trying to push us to work till we're 70 and I'm like ain't nobody holding on to people working that long anymore? They're just not. It's like the younger people are now in charge and they're like you all, like my grandma, and they like letting the older people go.
Speaker 1:So I can't imagine a lot of people still working till you're 70 to get your full um SSI benefit but um.
Speaker 2:So in my mind I'm like well damn, if I gotta work that long, what would my job be? Because I know I'm like well damn, if I got to work that long, what would my job be? Because I know I'm in the IT field. It's so fickle in there right now. And so I'm like what would my little old lady job be? And so I don't want to be a greeter at Walmart.
Speaker 1:What's the old lady job?
Speaker 2:I think I want to look at the eye doctor's place and so I would tell, yeah, this frame look good on you because your skin tone. I think I would help people get their eyeglasses. I would want to work at a little, a little. I was just like what that will be my old lady job.
Speaker 2:I can see fire me from helping me try these frames on hey baby, hey baby, it's not, it look good on you because I just had my eyes done, okay, like, yeah, I think that would be my old lady job. I'm not gonna really, I'm gonna be rich and sitting down, okay, but if I had to have a, oh, I started thinking about my old lady job, ain't? No, most people like y'all, like what the hell.
Speaker 1:I'm sitting here right now going what the?
Speaker 3:hell. My brain, I'm going to overthink or I think about, or even just to stay active.
Speaker 2:Something to do, because when I realize, people retire. They still want to go back to work. They want to do something. Yeah, because if you don't do something, it's like your game is over.
Speaker 1:So you got to create a new game. And so yeah, that game, and so yeah, that's why I was thinking about?
Speaker 3:why is my brain in a whole different?
Speaker 1:place right now. That's how people think. Yeah, my brain is in a whole different place right now. My I don't. I don't have a my old lady job, and maybe it's because I really haven't had a job yeah, that might be the difference so it's always from an entrepreneurial perspective. Like I can see myself, 70 years old, out there standing in front of a house that's being built, that I'm building as a partner complex or something at 75. Like she, she's still building houses. Well, I won't be building it, it's just fine.
Speaker 2:It's just the finance. Take care, I don't want to.
Speaker 1:I don't want to have to be on anybody's clock to go do something.
Speaker 2:Yeah, but I don't want to have to be on anybody's clock to go do something yeah, like if I want to, but you might want to get out and do stuff.
Speaker 1:It's just something to stay active and do stuff.
Speaker 2:That's still being bossy. I just want to be bossy over here.
Speaker 1:That's okay, that's what it is Okay, just saying that Let me boss all the contractors you know like, yeah, do this they're like ma'am, go sit down.
Speaker 2:Ma'am, right, sit down, ma'am, you shouldn't be out here, ma'am. Where's your hard hat, ma'am?
Speaker 1:it might be, it might be something like that, but yeah, that's kind of where and I understand too with the travel. Travel is I love my business and I love what I do um, but it's not for me forever yeah, like anything, like anything else, it's not forever, which is why I'm also very big now on trying to figure out wait. I have figured it out. Now I'm excited about it because it's actually being done yes it's happening.
Speaker 1:You know we um have flipped the first house, just um. We have a closing coming up on this, this house um have our realtor out looking for another property and my initial thought, like you know we've discussed is about fixing, flipping just very stack some money right now, but getting into new construction. I've been taking a lot of y'all already know trainings and classes, and mentorships and I've been traveling.
Speaker 1:I traveled almost the whole month of what was that? April, because I was in different locations for different mentorship programs and stuff like that to really get into real estate. I truly applaud people that have started this early, because I'm really considering um, well, not considering I'm going to set up. You know, we have the travel professionals training network um, I'm kind of sketched out the framework for it. I'm going to move myself over to us, to school. You've heard of school, right, mo skool, the platform, school um. Because I really want to be around or start to create a network of people that um are really on, like the next level of entrepreneurship, and school is just a platform where you create, like you have a Facebook community so I can do classes in there. I can do oh, I never knew what it was. Yeah, it's called school. I've seen it.
Speaker 2:I just didn't know what it was.
Speaker 1:So yeah, you can put trainings in there. You can do all that kind of stuff. I think so, oh, yeah, yeah, and you can put it yeah, it's just a platform for you to house your stuff on, like how people have webinars and all that kind of stuff. You can have a free community. It could be a subscription, you know, and stuff like that, cause you've heard me talking a lot about just how our travel business is providing us opportunities as any business should.
Speaker 1:If you know when your business starts to become profitable, how your business can start to help with other opportunities and stuff. And I'm always my brain is always on something about leveraging your credit. My brain is always on something about funding. Now, once you start looking at funding, I don't know how all these people get your name, email, phone number whatever All this funding and get all kinds of text messages, yeah.
Speaker 1:Now everybody is trying to reach you for funding, and some of it is legit, some of it isn't. I just choose to go through avenues that I know are legit. And as hard as they say things are with you know, trying to get funding and things like that through banks and stuff like that. Banks have been very good to me, so I think I'm in a place like I would love to show other people how to do. What I've learned Makes sense. So, and especially travel agents you know are travel agents but any business at your end learning how to leverage your business.
Speaker 1:Matter of fact, it was funny I was talking to Craig and I were just texting or something. He I had to text him something while you guys were gone this week or something, and he I forgot what the question even was and I was like, yeah, I'm trying to get this stuff done, I'm trying to close on this house. He's like what house you know? And then all of a sudden we were just back and forth and he was like wait, I got that, I can do that, I can, you know. And I was like well, when you get back, make sure you talk to me next week. You know what I'm saying. And as much as I always say, you know, I'm going to stop trying to help everybody. Bring everybody with me. You still doing it. Yeah, you still doing it, because I think it's the education. Like I'm really baffled at how much we were not taught.
Speaker 1:Oh gosh, and that I'm just learning in my 50s In my 50s, so I know it's not time for me to sit down yet and I would hate for a lot of this information to just die with me.
Speaker 2:I know that sounds like that's weird no, like you gotta you gotta help somebody else. Like you gotta help somebody else make it, even though I'm not there yet.
Speaker 1:I know what I need to do and it's great that I'm starting it now.
Speaker 2:Well, not starting it, I'm already doing it.
Speaker 1:Yeah that I'm, I'm doing it. But if I had this knowledge years?
Speaker 2:ago, 30 years ago, in my 20s, when I had all the energy. But you know what? Would you have listened? Because I'm always preaching to my kids like I'm trying to put them in a better and I was like I wish I had somebody telling me this when I was in my 20s my kids still don't listen, they just want to do what they. So what do you think you would have listened?
Speaker 1:if somebody came to you and said something I would, I think I would have only because I I never knew I didn't, I never thought I was supposed to work. Yeah, I didn't say I wasn't supposed to earn an income look, I never said I was supposed to sit at home, right. Well, we don't have our conversation about soft life. Yeah, I want to sit in coming up. I never had a soft life. I never thought it was going to be a soft life, but my mother was always an entrepreneur.
Speaker 3:Yeah, so I always saw it. You always said I'm a serial entrepreneur yeah, yeah. So when she asked, that question, I was like, yeah, you would have listened.
Speaker 1:Yeah, I think I would have listened at that age, but they can only teach us what they knew. My mom, didn't know this, because I'm going to tell you right now if my mom because my mom was a hustler, yeah, she's a hustler Hustler If my mom had a new half of the stuff that I've just learned in the last year, oh man.
Speaker 3:Period.
Speaker 1:We would be a millionaire now because I know my mother, the things that she would have put in place to make sure that her kids were millionaires, because my mother would have been a millionaire. But you know, we always talk about financial literacy and financial education and things that we weren't, we weren't taught.
Speaker 1:So my next phase for me and I know I'll probably still be in travel, maybe another four or five years, because it is financing a life that I, that I want or that I've become accustomed to, but at the same time it's also providing me to be able to do some of the other things. I wish I could clone myself sometimes, like I wish there was more of me.
Speaker 2:Just for time management. Enough hours in a day, and then I'm tired earlier.
Speaker 1:Okay, we gonna get on them conversations again, I do. I used to burn the midnight oil all the time.
Speaker 2:I need to take a nap.
Speaker 1:I gotta get a nap. I know I'm sleeping at the desk. I'll just be like. I know I'm sleeping at my desk and god forbid if I eat anything. That's all right that itis is so real but it's, it's almost like it puts me in a stupor. That is so real.
Speaker 1:So yeah, if I was, if the younger, the younger me would have heard it you would have listened a lot of younger people there aren't, because, as much as I talk about this, all the time where my son is, he's done none of what I'm talking about right now, like bruh bruh but there are those that'll listen and will pay for it, so that'd be a smart move for you.
Speaker 1:But even just to help just the few, because I do these lives and cherise them all the time. I do lives in the group every once in a while, just little rants or something. And I did one. It's probably about three months old, two, three months old, and one of our former agents, tracy, called me and she said Allegra, I just had to call you. She said, cause I watched your live and I went and did exactly what you told me during that live. She said I got a credit card for this amount. I gotta, because she's like me and my husband have been trying to figure out how to get into real estate, you know, when you don't have that large savings. And she was like but we both had good credit, but we don't know what to do with our credit and you know and we were also.
Speaker 1:We were told so much to. You know how having debt was bad. I'm so in debt right now, y'all, but it's good debt. Well, yeah, I was.
Speaker 3:You know what I'm saying, but there's a lot of there is a lot of bad debt because people don't know what to do with it and they, yeah, getting things that they don't even know what they got. So yeah, you just have to know how to use it and what to do with it and how it makes you money.
Speaker 1:Yeah right, that's the difference right, right, so, yeah, so, but just having her and I think that's what made me think about it, because she called me like literally the following day. She said oh my god, you dropped so many gems and that thing you know even just the smallest of um william the realtor and I had lunch last week when you had called and we were talking was meeting with one of his associates and we were going to pay and I was like, is that a debit card?
Speaker 1:I was like don't ever pull your debit card out and sat and did a whole class in five seconds and I was like you should never use your debit card ever in life. The only time I think the last time I had to use my debit card, I was frustrated because I couldn't remember my pin, because I hadn't used it in so long I couldn't remember what my pin was.
Speaker 1:I was like what is your pin number? Because I lived my entire life on credit cards because of the points yeah, that it can get you you know, and so I literally sat there at lunch teaching
Speaker 1:teaching him and his associate and it was like, oh my God, that makes so much sense. I was like you should never, ever, use a debit card. Ever, ever, ever, ever. Get your credit together that you could get a card that's going to give you. The card need to give you something Every time you use it. I'm talking to you, mo. Every time you use your debit card. What do you get every time you use?
Speaker 2:I'm talking to you mo. Every time you use your debit card, what do you?
Speaker 3:get no, your debit card. You don't get anything, not a damn you just, you just.
Speaker 1:You're just giving away money, you're just using money, but every time you use that, that credit card, that- gives you points. You're earning some sort of points. So now, when you go to put that fifty dollars worth of gas in your car, put that fifty dollars worth of gas on your credit card. That gives you 50 points, and then go home and pay your card $50.
Speaker 1:It's still the same $50, but now you got 250 points because your card probably gives you four times the points, or four and a half times the points, five times the points or whatever, and you don't realize it and all of a sudden you have all these points from your everyday life that you're doing anyway. So you want to book a flight.
Speaker 2:Yeah, first class, with your points, your points, your points. I don't pay for flights. I'm going to go to Bali.
Speaker 1:Thank you. In October I want a Q suite. I want a first class Q suite.
Speaker 2:I'm not going to pay $10,000 for that daggone Q suite, but I'm looking at my points right now.
Speaker 1:I got about 800,000 points and that suite that I want is 700,000 points. I want to fly first class on that flight Period. I've been saving my points for that flight. You know, when Du Bois got to to california or something like that, he might use some of your points.
Speaker 2:Boy, leave my point like wait a minute he's like you got a lot, I know, but I got a lot because I want that, that's a 30-hour flight yeah, I want to be comfortable and I want to be.
Speaker 1:I need the cocoon, I need the whole experience. Bring my pajamas and my champagne. Let me put my jammies on and put my feet up. Let me. I need the whole experience. But you can do anything.
Speaker 3:You can shop with your points, like it's free money, yeah, but if you use your debit card, you got nothing but it's the exact same purchase you just have to have a lot of discipline, yeah to pay your car, because you're going to pay it anyway, yeah, you're gonna pay it anyway for me, I just swipe and pay, so at night I really go and just pay. What did I do today? And if you didn't, and if you and I started doing it daily.
Speaker 1:And then you miss a day and by the end of the week I'd be like what did you do this week? Oh my god. But what If it was my debit card? It would have just gone anyway it would have been gone anyway. So I'll go in at the end of the week, settle your card for the week. So, but go ahead, go ahead. Come on, mo. I know you say that's in your account only to pay my credit card.
Speaker 1:The only thing I use my money for is to pay my credit card, because if I book a flight, I'm gonna put it on that card. Guess what that's? Uh, I want a first class flight to jamaica. It was two thousand dollars, that,000 points. If I had to swipe that card on my debit card and pay with my debit card, that was just $2,000 out the window, right. So I eat at a restaurant.
Speaker 1:My Uber Eats is attached to my credit card Right and you got to know which card does what If I use this card I get one point for restaurants and whatever, but because it's on this card that gives me four points.
Speaker 1:So every dollar I spent is four points. So that fifty dollars you spent on uber eats that you were going to use your debit card for now just gave you 200 points. So your everyday life that you use when you go to the cleaners, you're clean, you pick your cleaners up, it's 12, that's 12 points, but it's. It's little stuff but but you don't realize how much stuff it has just accumulated so now when?
Speaker 2:you want to.
Speaker 1:You want to go, you know, a free vacation. Yeah, just on the everyday life that you are already doing. You got a whole pool of points over here you want to go to Jamaica. I think I'm going to go to Jamaica this weekend.
Speaker 2:Pay for your room and your flight. Let me see how many points I got. It'll pay for your hotel.
Speaker 1:It'll pay for your flight, everything.
Speaker 2:Some of them you need to use coins for concerts and stuff.
Speaker 3:Yeah, you want to go to concerts and then, depending on what card you have, yeah, you want to go to concerts. And then, depending on what card you have, yeah, they give you benefits, so like one of the cards for I get.
Speaker 3:I go to the lounge. I get 50 every six months for free. So I always go into hilton and order a gift card because every and it's on my calendar so january, today's june 1st, and it's on my calendar for today, so I'll buy a $50 gift card and you tell me this all the time.
Speaker 3:I gotta do it and then I get, so then I get, they give me the credit, the credit card company gives me back the credit. Or every year you get 200, you get a $200 voucher for a fine, fine hotel, hotel, yeah you know what I mean.
Speaker 1:So you want to stay at that five star, whatever. That's $500 a night. You got a $200 credit, neiman Marcus. I keep telling you, neiman Marcus, you get. So all my makeup come from Neiman Marcus, because every six months they give you a free credit and then I get my credit back.
Speaker 3:So listen, that's what happens when you learn how to maximize your credit cards your points. That's what happens when you learn how to maximize your credit cards.
Speaker 1:your points that's how you start saving so much money. You save so much money. You really start getting a lot for free, because you're getting everything for free, yeah, on the stuff you were spending money on anyway. Anyway, I was growing up. Don't you get no credit card, don't you?
Speaker 3:mess up your credit.
Speaker 1:Right, but it's still about mess up your credit. You have to have discipline.
Speaker 2:Yes. So when you say bad, credit.
Speaker 3:it's the people that go out and do it and say, okay, but I'm going to pay this, like how we do, but they really don't.
Speaker 1:Yeah.
Speaker 3:And the next thing you know, it's escalated.
Speaker 1:Now you got a big old bill and a whole lot of debt and can't afford to pay, because you also have been using your money and you don't spend your money. Why? Because you're putting stuff on credit. No, your money is only for you to pay off that card. You don't pull your debit card out for anything.
Speaker 1:Anything, we have some people, because we do business with different people in other countries. I'll be like well, we're going to send you a link, a link I said. If I can't pay it on my credit card, it won't happen. Y'all need to figure out how this credit card gonna pay. I gotta send you a hundred thousand dollars yeah, do you think I'm about to send you a wire.
Speaker 3:No, no, ma'am, that's a hundred thousand points, domestic flights, like if I want to go to chicago, I want to go to dallas.
Speaker 1:I need to go fly down to miami or whatever. So like when we have to fly, for you know, I got a cruise that's leaving out of Miami. I got to leave with a group. I want to fly down to Miami. I can fly down there first class if I want to, because I got plenty of points from Uber Eats eating out, from going to the cleaners, I bought something at Macy's, whatever. It all comes through my credit card because all my points are just doing this stacking right. So I'm not wiring you fifty thousand dollars to pay for the, the big party, some, some, something. You better send me a link that I can swipe that card.
Speaker 3:You better figure it out, that's fifty thousand points, that's several domestic flights.
Speaker 1:It is for free money moves I don't, don't ever touch your debit card. So these are the things like and because we I'm saying all this because we do travel we have to buy a lot of flights. We have to buy flights everywhere, we have to visit different hotels, all that kind of stuff, we can go and do this stuff for free, off of the money that we were using anyway. So she should teach classes.
Speaker 2:That's your old lady job, that's my old lady job. Anyway, and we'll have a whole other conversation.
Speaker 1:Talk about how I just paid closing costs on a house with a credit card. Didn't even have to touch my savings. People are buying homes. If you look on Instagram, it's all over Instagram Talking about how you want. Look on instagram they're. It's all over instagram talking about how you buy homes on credit cards. Um, I follow. Her name is charmaine sanders. Females who flip. Shout out to charmaine. Um, young lady 30 something years old, has a group called females who flip. Now they're gonna call themselves females who build because they are doing developments and guess where the money coming from Credit cards.
Speaker 2:Look at that.
Speaker 1:And at the same time, they're getting points Maxing out their cards. Look at that, you got to have a $30,000. You have to have $30,000 to close on a house when you pull it from, pull it off your credit card, swipe, go, buy a house with a credit card.
Speaker 1:Mm-hmm, yep Go buy a house with a credit card, yeah. And then teaching women. She has a pool where she's teaching women and young women how to pool their money together. They're flipping together, they're buying homes together, they're building together. You got a $20,000 card. You got a $10,000 card. You got a whatever $1,000 card. We need to have $50,000 at closing. You pull $10,000. No-transcript. Let's go close on this apartment building together, right, boom, boom, boom, boom, boom. Sell it, pay off your card, pay off your card Pay off your guard, because the Now what we're going to do with this.
Speaker 1:You can take your money and go and buy your business. You can take your money, let's go buy something else Like period and never, ever touched money.
Speaker 1:All came off credit cards. Y'all can do it. I'm watching people do it and then I'll be in you. It's something about it because, as being a little older, we were trained different about money. We were trained. We were trained different about money. We were trained, we were trained different about credit. We were taught different things about credit and and and credit cards and debt and all of those things. Rich people are always in debt because they never touch their own money. They always we always hear it all the time other people's money. That's credit cards, that's loans, that's all those different things. We are closing on the house on coming up and literally pulled money from the card, paid the down payment and deposit and got a loan that's paying for the whole rehab of the house. Don't have to pay a dime out of our pocket at all house is 155 000.
Speaker 1:Just had the appraisal done without even having it done yet it's not even fixed up yet. It's $335,000. We're paying the house. It's $155,000. It's going to cost about $80,000 to fix it up. They're paying, they're giving us the whole $80,000 to fix it up. Where did that initial money come from? Credit?
Speaker 2:cards, credit cards.
Speaker 1:Never touched our savings. I'm telling you it goes down. So my next phase for me is I want to build a portfolio in the next five years. Well, on your way there. Yeah, in the next five years, so I'm not going to have an old lady job want to collect, rent, collect, rent.
Speaker 2:I still want to get out, I do.
Speaker 1:I'm gonna go buy and check on my pride. I can go buy and check on my part.
Speaker 2:That's work, I'm gonna go drive people.
Speaker 1:I'm gonna go taking care of my spots uh-huh, I'm gonna go by and go look at the, look at the properties and stuff you know, or I'm gonna look at them from the webcam while I'm in Italy with you.
Speaker 3:She said, from the webcam we still can do stuff.
Speaker 1:Look, while I'm in Italy and Costa.
Speaker 2:Rica with you. We still can do stuff.
Speaker 1:I'm going to be over here. Hold on y'all.
Speaker 2:She said from the webcam I got to check on my properties.
Speaker 1:Yeah, so initially I'm fixing, flipping, and then by the end of the year I'm actually looking for land. Now I want to build, start building, and guess what? It's all coming off credit card.
Speaker 2:Yeah, y'all got some gems today.
Speaker 1:Hello, but yeah, but I'm going to set up school S-K-O-O-L, which is just the platform. B been trying to get me to do it for long as William been trying to get me to do it for long as Billy. Um, he's like oh, you need to be doing these webinars on school, but not, not for that, but he was talking about the travel webinars and stuff. So just moving it from that platform. But I love our group. Um, it's almost 3000 people in there, but really it's probably about a hundred that are active and what the travel professionals training network, so less than 100 of us go move over here.
Speaker 1:That's really about about some business right now, because if you're not leveraging your credit and if you're not leveraging our businesses right now to start whatever new venture, you want, to do it don't have to be real estate whatever new venture you want to do. You know you, you're sleeping on it, you're sleeping on it. So that's that's kind of my next phase of of life, and then I'm gonna come sit over in italy and costa rica with y'all. Yeah, because I ain't doing that, I'm uh I'm out I'm just out.
Speaker 1:Well, you know what I've always wanted to be.
Speaker 2:I've always wanted to be rich. A property management company yeah, oh no, the property I'm not managing, none of that. Yeah, and live life.
Speaker 1:Oh no, it's gonna be under a property manager. I'm not. I ain't calling nobody collecting no money. It's gonna. I mean they only get 10 or so even if they, you had to get them 15 it's worth the headache I'm gonna put a warranty on every property, something wrong called warranty company they'll send out the people.
Speaker 2:I just pay my warranty stuff like I'm supposed to.
Speaker 1:I don't want to have to do all of that.
Speaker 3:You said you are going to have a property manager or not. I am, I am.
Speaker 1:Yeah, but I want to sit back and just check my bank account. Is this the first of the month? Is this when the deposit hit? When the deposit hit on the 10th? I just want to check them out. Yep, coming to Costa Rica.
Speaker 3:Today's the purse.
Speaker 1:Coming to Costa Rica. Cherise, my money just hit.
Speaker 3:It's Pride Month. It's the first day of June.
Speaker 1:Oh, it is Pride Month. It is the first day of Pride, it is Pride Month, but yeah, that's kind of my next phase. I'm going to work hard for another, probably five years. Okay, another five years, because when I sit down, I want to be able to sit down when I say I ain't got to do nothing if I don't want to, I will, because I know I won't stop, but if I don't want to, you don't have to, I don't have to it ain't a worry in the world. In the world. So that's.
Speaker 3:That's where I'm at now. It makes sense. It makes sense. I'm coming costa rica with y'all.
Speaker 1:Look, I'm gonna keep throwing that in there, then I'm gonna come to costa rica, so yeah, and that's what I wanted to do.
Speaker 3:I mean, that's what I am going to do so the difference is soon.
Speaker 1:You did the entrepreneurial, so you know what I mean, but okay not, I'm not gonna put your thing out there, but you have an idea of a product that you've been thinking of, so you're not really sitting down Because that's got to go into development?
Speaker 3:Yeah, but if you take too much out of me. I don't want to do it.
Speaker 1:No but.
Speaker 3:I'm serious. Although it was sweat and tears, working on them, damn years. But um, I was lucky enough to meet, uh, uh well, my teacher years ago, who was a jewish lady. That literally told me, although I wish I would have did, the didn't have other stuff yeah but she did teach me about 401s and pensions and investing and all those things. So at least when I retire um, because it was a different era but at least when I retire I can truly walk away and know I'm okay yeah, real, for real, and have an option of doing something else or not.
Speaker 3:now you know, and I'll be well off, I'll be good, I'll be good. So if I do something else, I'll be well off, I'll be good, I'll be good. So if I do something else, I'll be well off. What'd you say?
Speaker 1:What'd you say?
Speaker 3:Well off, what'd you say boo, I would go. I mean, I put in a lot of time.
Speaker 2:Yeah, you've been there a long time. I had to do it. You know what I mean.
Speaker 3:And was lucky enough to be grandfathered into a pension plan.
Speaker 2:So I have to say that's on my side, because a lot of people you know aren't yeah or not um, but I said all that to say you know, I, I have choices, that's great, so I just have to decide yeah, I have choices, but I do the ideal that I told you about.
Speaker 3:Um, that's a legacy. Yes, leave for the girls. Yeah, um, and that's my mindset, but I don't want to work that hard though, so I really have to think about that.
Speaker 1:You know I don't, but you'll have the time to figure it out, or maybe I just need a couple a year.
Speaker 3:I just need maybe a year. Maybe, girl, when you walk away from see you didn't have that, you always, even though you still work hard, but it wasn't like, oh, I gotta take pto, I gotta, you know, like to just not have to worry about any of those things. I think I just want a little bit of space to just breathe, feel what it's like to not have to and but then I know my brain, it'll be back on 10 again, but it's all a choice yeah, but it's your choice so everybody comment what your pivot would be or if you have a pivot plan yes.
Speaker 2:We'd love to hear from you.
Speaker 1:All right, y'all.
Speaker 2:Well, here we are again All right, wrapping up another one.
Speaker 1:This is timeless and unfiltered. This is a little effort. I'm staffing her and Sharice.
Speaker 2:And now y'all got me thinking over here, we are spilling tea on midlife. We are spilling tea on midlife and hopefully Avon will be back soon.
Speaker 1:She will Come back bruh One life at a time.
Speaker 2:Thank you guys. Bye Bye, bye, bye, bye, bye, bye, Bye, bye, bye, bye, bye, bye, bye, bye, bye, bye, bye Bye.
