Real Love, Real Life
Real Love Real Life dives into the unfiltered reality of relationships—dating, marriage, heartbreak, healing, and everything in between. It's honest talk about love and life, filled with real stories, hard truths, and the kind of laughs that come from lived experience.
No fluff, just facts, feelings, and a whole lot of growth.
Real Love, Real Life
EP 17: Who Really Controls Your Future?
Money doesn’t have to be stressful or confusing.
Life insurance broker Kyle Foyle joins to cut through the noise with real, practical tips for protecting your family, building credit, and making smart financial moves.
Hear how the right life insurance can cover emergencies, why your health matters when shopping policies, and how simple account setups can reduce money stress in your relationship. Kyle also shares credit hacks, debt strategies, and mindset tips that make money management actually doable.
Perfect for anyone looking to get their finances in order, protect their family, and start building real security.
Listen, share, and drop a review with the one money habit you’ll start this week.
Hi guys, welcome back to Real Love Real Life Podcast. I'm your host, Jasmine.
SPEAKER_02:And I'm Ernesto.
SPEAKER_03:We have a special guest today, and we're talking about something that a lot of people don't feel comfortable talking about. At least I don't. I don't like this conversation.
SPEAKER_02:But it has to be done.
SPEAKER_03:Yes. Um, it has to get done. And we're talking about money, but don't don't scroll yet. Like it'll be fun. You're gonna have a good time, and it's gonna be really educational. Um, so I'm gonna hand you over to Kyle. Say hi, Kyle. Introduce yourself.
SPEAKER_01:Nice to meet you guys. Kyle Foyle here.
SPEAKER_03:Okay, so we met him last week. We've been meeting so many good people here in Arizona. Um, but we met him at the what is it called the end of Foodie Land. Foodie land. And he was just doing his thing, interviewing people. He is a financial broker, is that right?
SPEAKER_01:Yeah, life insurance broker, yeah.
SPEAKER_03:Okay, financial broker. Um, to be honest, I don't really know what that is, but right now he'll explain it to us.
SPEAKER_01:I gotcha.
SPEAKER_03:And um he interviewed Ernesto, asked him some questions and all of that. And I thought, or Ernesto thought it was a really good idea to bring him on because he's like, I think this is something really important to like get to people. Hey, these are these are conversations you need to start having as an adult.
SPEAKER_02:Yep.
SPEAKER_03:And until I started watching his videos recently, like I didn't really know like about life insurance.
SPEAKER_02:Especially if you grow up, I feel like the minorities you're just taught to just work hard and save your money. But nobody told you.
SPEAKER_03:In a Hispanic household, you don't get raised like with somebody telling you, Hey, go get life insurance.
SPEAKER_02:Yeah, yeah, we throw a car wash. We're barely getting by. Like, we're not throw a car wash at a Philly's birthday. Yeah, nothing wrong with that, but it's just we're not prepared for the only thing that's promised in life, which is death, unfortunately.
SPEAKER_03:So yes. Um, so Kyle, tell us um, first of all, like what what is this? Um basically explain it to us in like regular people terms.
SPEAKER_01:Yeah, for sure. Um, so just like life insurance in general, yeah, or like the broker, all of that. So basically, um, as a life insurance broker, you are partnering with over, let's just say like 10 companies, like National Life Group, Foresters, Financial. A lot of people know like Mutual Velmaha or Affleck, like Duck, you know what I mean? Affleck. Um, but the thing is, is like, come let's just say you go to like a state farm, like Jake with the khakis, right? They can only offer one insurance, which is their insurance.
SPEAKER_04:Yeah.
SPEAKER_01:But if you go with a broker, it's kind of like going to the buffet or going going shopping on Amazon. You know, you got all these options, see which ones best fit you and your family's needs. So that's when a broker comes in and they could pick and shop for you with like the best option for you and your family. Instead of just being like, we only have this one, yeah, it's not that good of a fit for you. We're gonna send you to somebody else. Yeah, you're you're like a one-stop shop for life insurance.
SPEAKER_02:Yeah, that makes sense. Yeah, it's like kind of car insurance, it's like the statement on 15 to 25 is like that's all we offer is like, well, I need the 50 to 75. Yeah, because my car is worth 80, so it's like, yeah.
SPEAKER_01:So that makes sense. Because, and just one thing too, is because there's different people with different health concerns, too, like diabetes or you know, stuff like that. There's a lot of companies that are out there that like you know, let's just say Stay Farm, for instance. Like, let's just say you can't get approved because you have diabetes, yeah. But if you go with the broker, they could, you know, search some options for you, yeah, and then you can find a policy that accepts diabetic.
SPEAKER_02:Because they're pretty thorough, right? Yeah, I don't know too much about it, but yeah, they're not gonna give you that life insurance that they could.
SPEAKER_01:Yeah, because you're some people are too risky, yeah.
SPEAKER_02:So okay, kind of like John Q, like how his son, yeah, exactly. How the son, like it just went undetected, and then when he needs help, there's just like no insurance. Yeah, yeah. Literally told him, like, you don't have the right insurance, yeah, or the right, yeah, that's the key guys, the right insurance, right insurance. And everybody's different, so yeah, that's when that comes in, the brokerage comes in handy.
SPEAKER_03:That makes sense. So, how did you even like get into this field? Like, were you always like the money man?
SPEAKER_01:No, no, no, no, no. I I worked in the restaurant industry growing up.
SPEAKER_03:Okay.
SPEAKER_01:So a little bit about my story. I just talked about myself for a second.
SPEAKER_04:Go ahead.
SPEAKER_01:Um, but so I grew up in a single mom household. It was me, my sister, my mom. I always joke around and say, like, my dad is still going to get the milk, you know what I mean? Well, same. Yeah. But um, so you know, EBT and government assistance food stamps was like all us. And so I was a busser, server, fruit runner, hose dishwasher. I worked at Boston Market, Lolo's chicken and waffles as a dishwasher. Love that place. And then uh uh fine dining restaurant. And I stayed there for about five years. But you know, like when you're at a job for so long, you feel like there's something more to do in life, and you get stuck in the routine. Yeah, I was comfortable but uncomfortable, and I got laid off during COVID of 2020 in March. Oh, and so the restaurant shut down. I was like, How am I gonna pay for bills, provide, provide for my wife? And I was starting DoorDash and Uber Eats for about six months. And then I guess one of my friends got started straight out of high school, and he was hitting up my wife on Facebook. Not like that, you know what I mean? But he was just like, Hey, um, like, are you keeping your options open? Come check us out. And she was like, every excuse in the book, she's like, I'm too busy, I like where I'm at, right? Dang, but then she knew I was looking, and then she gave him my phone number, and I sat down with the broker and I learned more about it. I was like, Well, similar to what you guys were talking about earlier, they don't teach us this in school, you know. Like my wife's um dad, he's Hispanic. My wife is from Sinaloa, and uh he was just like, Well, why would I want life insurance? Because if something were to happen to me, it goes to the Sancha, you know, and like my side piece. But um, yeah, so I guess I get started, it made sense to me, and then we started it out, started it off part-time. Eventually, we made more income in that opportunity than we did at any other job. It just made sense for us to go full-time and start helping people full-time.
SPEAKER_03:Yeah, yeah. That that's amazing. That's really so this is like fairly new. Like you didn't grow up. Like, I thought, I don't know why. I was like, he's gonna come in here telling us that like his mom was like some big, like, I don't know, person at a bank or something.
SPEAKER_02:They kind of just guide you in life, like, hey, this is the route you're going. Yeah, we're gonna pay for your score somewhere.
SPEAKER_03:That's very interesting. Okay, so tell us what is the one money mistake you made early on that you had to learn from the hard way.
SPEAKER_01:Um, dang. I would say spending it on materialistic things. Okay, like like high brand things and um not really like saving. I never never saved or like credit, you know what I mean? Like I didn't understand how important credit was until I got into the financial services industry. I was like, all right, I gotta I gotta fix up a few things. Yeah, and um, thankfully it's allowed for my credit to get better.
SPEAKER_03:We just recorded uh an episode where we talked about credit, same coming from a Hispanic household. I didn't know what a credit score was until I was like 23 years old. One time we were like hanging out after dinner with my sister, and she was like, What's your credit score? I was like, My what?
SPEAKER_02:Yeah, well, it was yours, and you're like, I think it's good.
SPEAKER_03:It was it was 400 and something. She she put my information in it, 400 something, and I was like, dang! I was like, I'm like, I thought it was a high number, 400? Yeah, and she's like, girl, like you're doomed. What are you doing? And nobody had told us anything, like nobody, so like her, she has her own home, but she like she won a lawsuit, so she bought it cash in 2008. It cost her$50,000. And like, I'm basically the first person in my entire family to like have a mortgage to actually like get a house.
SPEAKER_04:So thank you.
SPEAKER_03:And it took me like two years to repair that the damage that I had done when I was like 18. I took out a stupid credit card at La Curaçao at Desert Sky Mall. And um, that just that doomed me. I was in the 400s, I don't know how long. And then finally in 2021, um, you know, well, before that, I got a secure credit card, fixed up some things, and then we were able to get a house. But it was like something, all of that was just so new. Yeah, nobody ever tells us anything about credit, hate, investing, invest, you know, buy a house. Never no, grew up watching our entire family renting, learn a new skill too. Mm-hmm. Yeah. So I feel like too, like, kind of like what we I mean, yes, you have you still have like your construction job, but you do things like outside of it. I think when you go outside of like those types of jobs, like you're crazy. Yeah, like me. I'm the first like person to have kind of like my own business, you know, like my social media stuff. I'm pretty sure in the beginning, like they were probably like laughing, like, what is this girl doing? Like, it's a joke. She actually thinks that like it could be a job. Because we're we're we're raised to just be like, go clock in, go clock in, do the bare minimum, and you know, you come back home tired, make dinner and go to bed and then do it all again the next day. Yeah, sadly, yeah. And and like same, you know, I grew up in Section 8 homes. My mom was a single mom of five, EBT, all of that. Like, I don't I don't blame her, but then I'm like, oh, like it's hard, it's hard. Um you kind of almost question, like, what the heck? Like, yeah, there's so many things that like I had to be taught like when I was little that could have just made my life like so much easier.
SPEAKER_01:Yeah.
SPEAKER_03:But we're here now and what I've done.
SPEAKER_01:Yeah, I I will say too, is like school is there's nothing wrong with school, right? But it's a great system to make you work for somebody for the rest of your life. Yeah, they teach you how to be a good employee instead of a good boss or a good entrepreneur, right? And my one of my mentors told me this is just like your job will pay you as little as possible to keep you on to keep you there, and you'll do as little as possible to stay there or to keep on to make sure that your job security is there, right? But at the end of the day, it's not enough.
SPEAKER_03:Yeah.
SPEAKER_02:That's the sucky part too, especially if if you're not pushed to like just keep elevating yourself, just like perfect example. Me and my dad and my grandpa probably to my great grandpas, like we've always been kind of blue-collar workers. Yeah. So my dad worked for SRP for 33 years. Great job, retirement, what yada yada yada. But the moment I try to step out of like my work, my trade, my like my parents would literally show up to our house like every day, like they think something's wrong. They think something's wrong.
SPEAKER_03:Like they think he's going through like a midlife crisis or something.
SPEAKER_02:Or like we're just gonna lose everything. And it's like, if we got to this point without you teaching us financial literacy, no offense, but like you're yeah, like we're in uncharted territory navigating ourselves thanks to the grace of God. So it's like to a certain degree, you can't really like guide us anymore, you know. Yeah, and uh like they would literally show up and see if we're okay, yeah. Which is good, you know. Yeah, but statistically, if you have a two-parent household, you know, you're you're gonna succeed more statistically speaking. So, um, which is good, you know. I I turned out from the trade. So I have that skill, like that, that skill in my back pocket. I can leave the union, come back to good money. And uh, but it's like like you said, and that's why they made the school system. John D. Rockefeller made it to make employees a nation of workers, not a nation of thinkers.
SPEAKER_01:Exactly, yeah.
SPEAKER_02:And you if you don't, like you said, you're like, you don't feel like right in your workplace, you're like, I was meant for more. It's like we're all kind of like open range cattle, but eventually, like you get to the fence and then you're like, wait, well, what's on the other side? Yeah. But our parents are like, no, just stay within the f the compound, and yeah, yeah, you got nice pasture and just stay here for your whole life. And it's like, what if I was meant to be over there?
SPEAKER_03:So perfect um example. When I first like blew up like on TikTok and I started like making money, um, my mom was so concerned because she was like, You're gonna lose your food stamps, you're gonna lose your access. And I'm like, mom, I just made a hundred thousand dollars. You're worried about the six hundred dollars that like I get in food stamps, like, but we're raised like that, like you know, and that's why people don't want to get off of it. They're just like they're so comfortable on it, yeah. And and they're like a lot of people were raised like that too, unfortunately. And that's what they know. And they're like, Well, if I actually go out and get a job, I'm gonna lose my food stamps. Like it's crazy, like insane. Yeah, I was like, Did my mom really just say that?
SPEAKER_02:But yeah, I mean, yeah, and I feel like that's one time at work, my buddy said the perfect word. He's like, it's a lot of the minority mentality just to stay within the confines of that job or trade. And it's like the reason that we're able to sit here is because the hopefully you meet him one day. He's a great guy, he's like a mentor to us. Yeah, Tyler's the guy that owns all this, he came from like, wasn't he an orphan? I think it was an orphan, right?
SPEAKER_03:Or not one like section eight, stuff like that.
SPEAKER_02:He came from like the bottom of the bottom of the bottom, and then looking out, now he's able to bless others, give others opportunity, a platform, especially people that come from you know, yeah, backgrounds that are similar. So it's like if you're not the rich dad or rich mom, you have to become that. Exactly. And it's it's tough, but we have to do it, and this is a perfect example to show people that you gotta network. Yeah, and if you're on the right path and the right frequency, you meet like-minded people, yeah, yeah. And this is a living example of that, yeah.
SPEAKER_01:And going back to school too, it's like you see all these people getting to debt, like 60, 70, 80,000 in school debt, and then they get that degree. And then I don't I don't think a lot of people think about like, what if I don't get the job I went to school for? Yeah, now I'm in debt, now I'm working at a$17 an hour job, and it's like going back to networking, it's just like you have to get to know people even in school, because that's the type of people that can get you the job that you want, yeah, exactly. Or the opportunity that that you might be looking for.
SPEAKER_03:So yeah. Um, that whole like school, my my sister's gonna be like, Why are why am I bringing her up so much? But I just feel like I don't know. She's so right now that you said school, I had to go back to her post. She posted something and it really like it, I don't know. I felt some type of wave. So she went to ASU. I know that whatever it is that she studied for, like, you know, cost her a lot of money. Um, still in debt for it. So she made a post and said, 10 years ago today, I graduated from ASU with a bachelor's in journalism. I was 22, ambitious and full of ideas about my about what my life would look like by now. Spoiler, it doesn't look like that. As a first generation college grad, I was raised to believe that a degree was a holy grail for success. Um that as long as I went to school, my life would be somehow figured out for me, but it wasn't. Over the years, I've caught myself comparing my path to fellow graduates, watching them hit milestones. I thought I'd reach too. It's easy to feel behind when you measure your journey against someone else's timeline. And she goes on, like says, like, it's a lot longer than that, but I feel like so bad because I'm like not like encouraging you guys not to go to school, but I feel like too, like we were raised like that, go to school, go to school. That's all you have to do is go to school, you know, go to college, go to like my especially her, she was always an A like a straight A student. And my mom would push her so hard to just go to school, go to school. So immediately, like after high school, she went to college and then she went to ASU. And I almost feel like she kind of rushed herself into things. And now 10 years later, she's still struggling to find like her way, and she's like all this like school and debt, and and she still hasn't found like you know what she her calling. And I'm like, that sucks. Like I'm I'm a ninth grade dropout, and I had a kid at 14. Um, and I'm like, Jesus, like everything that I had to go through, like I'd go through it again to be where I am today because I'm doing what I was called to do. I love um like social media, anything like I will literally record myself doing anything, cooking, a skit. I'm at the store. That's when my content's all over the place because I just love to record. Someday I'll be crashing out in my car, and the next day I'll be crying the next day. Like, and that's what people love to see. But I'm doing what I love, and then I also do like, you know, the affiliate marketing. I love to do that too. I never knew I was so salesy. Um but I guess I do it like in a good way, you know. Like I have a problem and then a solution, you know, stuff like I act stuff that I actually use. Um I don't just sell like junk. But yeah, same like the school thing. Of course, I want my kids to go to school, like I want them to do something, but I don't want them to think that like just because they have a piece of paper, like they made it, you know.
SPEAKER_02:Yeah, it's a paper, it's just that that paper don't mean nothing sometimes. Journalism, I was actually seeing a video, I think it's like top five least paid things, right? Well, I could be wrong.
SPEAKER_01:Something like that journalism on there.
SPEAKER_02:I I I gotta rewatch that video, but I was just looking at it, I'm just like, some of the degrees that people get, you're just like, Well, what does that even have to do with anything? It's kind of just like uh snake oil salesman, they just sell you this false dream. Yeah, and then unfortunately, like 10 years later, you're just like I'm pretty sure. Because I could use myself, for example, like for I'ma say half of my 20s, I would just dwell on my past when I used to just like be gangbanging, used to be in the streets, all that, and I could never get over the hump because I was like, I'm not gonna amount to nothing because I wasted so much of my life. So it's like using that kind of analogy, like all the years she went to school, depth, like I'm pretty sure she pretty sure she still dwells on that. Yeah, and it's like hopefully she does find find her calling eventually, because you know, we all you're not gonna be fulfilled if you're not doing what you love, you know? Yeah, so it's like, man, I bet that's tough. Yeah, and it's not to put her on blast, but no, I like I really feel like it's a good thing. But it's good for people to that's why people love you because you're transparent.
SPEAKER_01:So it's like yeah, people love the authenticity to things, especially in today's world.
SPEAKER_03:Yeah, we need that. So back to like you, okay. Be honest, do you ever judge people based on how they spend their money?
SPEAKER_01:Um, you know, I'm I'm a man of God, right? So I try not to judge because I'm an imperfect man myself, right? Um, but I do I do have opinions, yeah. I do because I I always think like, but I was there at one point in time too. So you know, I can't really judge, but I can at least guide people in the right direction or be like, hey, this is what I did too, but this is also what I found out later. So and then they could choose to listen to it or not. But yeah, I'll I'll have time to be like, Okay, you you bought that. Uh you're like, damn, you better put this into something else, you maybe maybe start like you know, like Airbnb or something. You know, my mind is always going like that now. Yeah, reinvest.
SPEAKER_03:Okay, what is the wildest financial situation a client has ever come to you with?
SPEAKER_01:Um, I can give you a client's story regarding life insurance. So um what happened is that um she she told me this in confidence, so I can use her name, right? But her name is Abby, right? And she got a life insurance policy when she was 18 years old. And her uh mom told her to cancel it. Her boyfriend at the time told her to cancel it. Like they're her that boyfriend are not together, right? But she was only paying like$14 a month for it, and I believe it was like 100 grand in coverage, like nothing crazy. Um, but at 23 years old, she got diagnosed with stage three breast cancer. Super young, didn't expect it. You know, we feel so invincible as we're young, right? But she still had that life insurance policy, she never canceled it. Oh so what happened is that she advanced her death benefit$86,000. Through that, she was able to pay off um all of her like leukemia treatments. Like they had to put a bed in the shower because she got so tired through all the treatments and she couldn't even stand. Like, that's how exhausted her body was. Wow, it was it's insane. And so she was able to walk out of the hospital cancer free. She didn't owe any medical debt. Um, she paid off her car and bought a new one, right? Uh, she gave her parents fifteen thousand dollars, and then um, I guess her dad's dream was like to do a helicopter ride over the Grand Canyon, and then she was able to take them on that ride because she had that money, and uh, and then she gave her roommate five thousand dollars. Imagine your roommate gives you five grand. Yeah, I was like, could I have been your roommate at that time?
SPEAKER_02:Like I sleep on the couch, yeah.
SPEAKER_01:But what's crazy is uh at the end of it, she was just like, Man, I wish it would have put like a down payment on a house, but I was just so focused on dying, I wanted to live. And I was like, granted, like, yeah, you know, you you had to do what you wanted to do. Like, not a lot of people have the opportunity, but through living benefits with life insurance, you're able to use it while you're alive.
SPEAKER_03:I was about to cut you off and ask you that so you can use it when you're alive, yeah.
SPEAKER_01:It's called life insurance for a reason, not death insurance.
SPEAKER_02:Yeah, it's and that I guess that's the life act that all the fine uh life rich uh rich people use, huh?
SPEAKER_01:Yeah, that that's a different concept, too. There's two different ways you can use it while you're alive, but that's one way.
SPEAKER_03:I'm so why don't we have life insurance?
SPEAKER_01:Because we're dumb.
SPEAKER_03:What?
SPEAKER_01:Because it's not taught, it's not taught, it will not be taught in school.
SPEAKER_03:That see, this stuff like annoys me so much. Like the that we don't learn credit, like this stuff. This is we're getting life insurance.
SPEAKER_02:Yeah. I mean, look at look at our family. We have uh both of our families that have problems with kidneys, like like my mom, two kidney transplants, countless of her family have died from kidney problems. So genetically, man, we're if you're watching this.
SPEAKER_03:Wait, do you um do you only do like locally or like if people are watching this from anywhere, can they like No?
SPEAKER_01:I'm licensed in over 10 states, so that that's what's beautiful about this business. It's so lucrative that you can help people all across the world.
SPEAKER_03:Oh, okay. So we're gonna have to put like all like your socials and stuff down there so.
SPEAKER_01:No, all over. All over.
SPEAKER_03:That's so good. We're gonna get life insurance for real. Um okay, so more like relatable questions. Do you think money really changes relationships or it just exposes like who people really are?
SPEAKER_01:Um, the more money you win you make, it emphasizes the person that you are. So if you like giving back to people and you don't like take Mr. Bisa as an example, he just likes helping people. The more money he got, the more he did it. But yeah, but when you don't have a lot of money, you get desperate. And desperate people do desperate things. Yup. So money can definitely impact um a relationship, a marriage. That's the number one reason for divorce is because of finances.
SPEAKER_02:That's I don't know.
SPEAKER_03:So you're um you're already married, you said, right? Um would you like for the people?
SPEAKER_00:No. Yes, I would marry her again.
SPEAKER_03:Would you date someone with debt, like serious debt?
SPEAKER_01:Um I would I would have to have a conversation first. Conversations would have to be had before we like you know agree to like a relationship or stuff because I mean you could jump into it, but if you're just gonna be paying off her debt like by yourself and she has the same habits, like that's the most important thing. Is like, are you gonna change your habits or are you gonna be the same? Because if you're gonna be the same, I can't support those habits. And yeah, people aren't two different standards. Yeah, yeah.
SPEAKER_02:It's like if they made a mistake, that's one thing, but if they're just gonna continue on that path, like, all right.
SPEAKER_01:Yeah, if you don't learn, then you're not doing it.
SPEAKER_03:Yeah, yeah.
SPEAKER_01:So uh depends.
SPEAKER_03:Okay, depends. Depending on the conversation, okay, if they're ready to change. Um, do you think couples ooh, this is a good one. Do you think couples should combine finances or keep things separate?
SPEAKER_01:Um, I think they I think they should combine finances, um, but they should also have their separate accounts.
SPEAKER_03:Like, um, which one, like what would you say is like would be combined and then like separate? Can you like explain?
SPEAKER_01:Yeah, I would say um they could have it for different areas, like investments, maybe like bills and stuff like that. Of course, have it in one account, and that one account just pays for all the bills, yeah, necessities, you know, stuff like that.
SPEAKER_04:Okay.
SPEAKER_01:Um, but I do feel like each partner should have the liberty to be able to spend what they want to spend on and stuff like that. You know, there's that trust, of course. Um, so I think there should be an account together, but then they also should have separate accounts. That's yeah, yeah.
SPEAKER_02:Like three to four, one for investment, one for bills, and then two personals. That'd be ideal. Yeah, that could be ideal. It'll be kind of a lot. Yeah, a lot to manage. If you can manage that, I think that would be really good. Yeah. Yeah.
SPEAKER_03:So if someone's starting from zero, no savings, no investments, um, like where do you think they should even start? Like if it's 18-year-old is watching this right now.
SPEAKER_01:Um, I think the lottery's still at one billion. No, no, no. I mean, you can you can pay it pays to play, right? Um, but starting from 18, um, I would say definitely start getting your credit, right? Start building up that credit as soon as possible. Um and start surrounding yourself with people that you want their lifestyles. Yes, absolutely. You're the top five of who you surround yourself with. So you you naturally become a product. Like if you hang around five people that drink, smoke, party, you might be thinking to yourself, like, oh no, I'm not gonna do that. Eventually you will. I promise you you will. And so what I would recommend is at 18, start being intentional and start looking for groups of people that you could network with, whether it be real estate, whether it be insurance, whether it be um Airbnb, you know, stuff like that. Figure out what you want to do. Create a business plan at 18. I know it sounds crazy for an 18-year-old, but I'm telling you, create a business plan, be clear on what you want to do, find the people that you want to learn from, start building up that credit. Yeah. And and and I think what a lot of people should do, especially at like 14, 15 years old, is get a job. Yeah. Because that teaches you work ethic. In today's world, ever since COVID, people just want to work from home, yeah, not get outside. Yeah, it's very comfortable and conformity, conformity kills. Yeah. So that's what I was suggesting.
SPEAKER_02:It's a slow killer. And then we were just talking about the other day because like it's like a double-edged sword since we were like, like I said, I was in the streets a lot. She was, you know, did her shenanigans. So now, like, we get comfortable in our home and that, but like that, then she misses events. Like, and it's like you never know who you're gonna meet at in Los Angeles at a TikTok event. Like, yeah, yeah. That could be the opportunity that you're over here crying for, or like, like crying out to the world, like, man, I'm frustrated where I'm at. Well, maybe if like just how we went to food land. Yeah, we would have never met you, we would never be here. Yeah. Because earlier this week, like, damn, what are we gonna talk about this Friday? Yeah. And I was like, hey, um, homie reached out. I was like, boom, we got a perfect conversation. Yeah. Networking, uh, financial literacy. And it's like, man, don't be comfortable, guys. I was step outside your comfort zone and you'll see your world transform.
SPEAKER_03:These past couple of days, right? Like, I had been in my like in a weird like funk, and I didn't like RSVP for two like really important TikTok events in LA. Just because I was like, I don't know, just feeling my feels. I was in a funk, and then once the events passed, or the day of the events, I like came to him and I was like, I'm so like upset with myself. I didn't RSVP and now I'm regretting it, like this and that, all because I was like, you know, I'm comfortable at home and I'm allowed to be at home and I'm an adult and nobody has to take me outside if I don't want to. And then I was regretting it. And and it's like, dude, like I should have just put my big girl pants on, went to the event, like I would have came back like so refreshed, like so much knowledge. You know, you network with so many like other like amazing creators, stuff like that. And bottom line is I regretted it. Because I got comfortable and lazy and I'm still regretting it right now. So stop being comfortable and lazy.
SPEAKER_02:Jump on that plane. Yeah.
SPEAKER_03:Um, where was I? Okay. So what is one piece of financial advice you wish everyone in their 20s or early 30s knew?
SPEAKER_01:One piece of financial advice, and oh man, I would say it's not necessarily like regarding money directly, but it's it's the relationships that you have, the people that you surround yourself with. Yeah, I would say that's the most important thing. I know people are probably looking for like a oh, put my money here, put my money there, but it's the people you surround yourself with. I promise you, that's one of the most important things. Because the money will follow. Exactly. People, money is attracted to people.
SPEAKER_03:Yeah.
SPEAKER_01:And if you surround yourself with the right people, it will be attracted to you.
SPEAKER_03:Yeah.
SPEAKER_02:That's just crazy, man. You surround yourself with the right people, the right opportunities. And always try to find people smarter than you, more. If you're the smartest one in the group, you need a new group. Yeah. And there's nothing wrong with being humble and all that, but no, you got one life, you need to take advantage. If your homie from the neighborhood's upset because you're advancing, it's like, hey man, I know where I'm going. And it's like, it's kind of like the crab effect. You try to get out the pot. They're like, get back over here. Yeah. Who do you think you are trying to leave the neighborhood? Like, yeah.
SPEAKER_03:We've had those conversations before, like how you know, I'm not friends with two like women that used to be my friends because once I started, like, you know, climbing up the ladder, it was like, oh, it's because now you have a like anytime, like any chance they would get these little jokes, like, oh, it's because now you have like these all these little followers. So like now you're like, you don't want to come to their own raid. Like it's always like I would always sound like these little like jabs, like, oh, these little followers that you have, or oh, ever since you got followers, or you know, you're making money and this and that. And it's like, I don't know if I'm supposed to be around you guys.
SPEAKER_01:No, I mean, because you're growing, yeah, you're you're you're you're going up, you know what I mean? And it's crazy how like some of your friends can can be hating on you like that, but honestly, they should just be pushing you up alongside with you.
SPEAKER_02:But yeah, yeah, it's like, man, the blessings around the the blessing is down the street. You be like, hey man, it's it's getting close to me. Instead of like, man, why quit comparing yourself? And that's the thing that like she's breaking like generational curses, she's like uh, you know, changing our our family's trajectory. Like, wouldn't somebody like people when she would post, I'm going to New York, yada yada yada, everybody's coming out the woodworks, take me, take me. And it's like, well, we don't really have friends, so she takes me. And it's like, he's like, hello, like if you were just to like, I was telling her, because like one of her things, she like sells fahas or like body wear. And it's like, even if you made a joke, like, like, cause she would be saying, or Nesto's my faha man. And it's like, you could just make a joke and be like, I could do that, and you'd be like, Well, come help me. Yeah, yeah. That could get you on a flight to California, to New York, Miami. But people don't want to help, they don't want to help facilitate anything. It's like, you don't even have to be, you just be around you, like, quote on, not not like a ball boy or something, you know, and I'm not saying specifically just like a metaphor, but it's like, if you're just, if I'm if I'm Curry shooting threes and you're just throwing me some dimes, like yeah, like you're that's that's that's worth a lot right there. And it's like people don't want to help her or nothing, but when it's time to, you know, travel and all that, then they want to come out. It's like, if you just came and even like helped around the house with the kids, like you know how much we could like help you and like uplift you, but people just yeah, they don't want to grind, they don't want to help, they don't want to help facilitate.
SPEAKER_03:It's only when they need it's just like it's just the as I need you people. Like it's unless they need something, they're not reaching out. Jasmine, how are you? Like, you know, I know that your job can be so draining. It is like sometimes I am burnt the fuck out, like so bad. Yeah, and nobody, like nobody checks up on me, other, you know, than him. I live with him, but like nobody checks up on me. Yeah, and it's like instead of like judging me or like hating on me, whatever, ask me, like, ask me so I can put you on. Yeah, like I'll do it, I'll teach you. But again, people just like they like they just like to watch and like a family member.
SPEAKER_02:I'm not gonna say who, like, how much were you paying her? Like 20 bucks an hour? Like to just check her emails, yeah. And then it's like they get complacent doing that. At first, they're responding and this and that, but then it just becomes like a generic response backslide.
SPEAKER_03:Automated.
SPEAKER_02:What if like uh a big brand finally reached out and that's her break breakaway opportunity, and you're just so complacent and lazy that you're just like, you know, copy pasting, you know, copy and paste, and and it's like they can't even do that.
SPEAKER_03:And it's that like I've gone through three assistants. Uh uh, yeah, I've gone through three like personal um assistants, like people that literally, I'm literally paying you, like check my emails, respond to the like get rid of the spam, you know, lock in like these brand deals, things like that. But people just start seeing, like they're so lazy that then it just starts like automated messages. And then when I go in to finally like go through, see what's going on, like it's just like you literally sent the same mess, like these people weren't even asking that question. Uh-huh. And you just like spammed them with like the same email reply to like copy and paste.
SPEAKER_01:Yeah.
SPEAKER_03:And it's like, I'm not paying for that because I could have done that. I could have stayed up an hour later at night and I could have send out 30,000 emails like that, like copy and paste.
SPEAKER_04:Yeah.
SPEAKER_03:Um, so again, you know, I just feel like like you said too, people are lazy, they're not getting out. People just want everything, like everything now, AI, from home, all this. Like, we need to we need to bring back reality.
SPEAKER_01:Yeah, that's tough. Yeah. And um, I mean, you're paying that assistant more than minimum wage. So she, you know, minimum wage in Arizona is like what, 15? Yeah, something like that. So I mean, she was getting paid more than the average person here in Arizona, but um that's that's short-term thinking against long-term thinking. Yeah. You know what I mean? And it's just like we need more long-term thinkers.
SPEAKER_03:Yeah, definitely. Okay. Well, before we wrap it up, what is there anything, any message, anything you want to oh my son. Um, any message you want to send to anybody just about anything?
SPEAKER_01:Um, yeah, I mean, I would say um, you know, in today's world, we need a lot more leaders. Um, we need a lot more people stepping up. And like we were talking about earlier, it's just like we need a lot of people, ambitious people, intentional people, uh, to get out there, start a business, become entrepreneurs. Because you guys see in today's world, like having one job is not enough. No, it's not enough. And most people are working two jobs, but if you get a little uncomfortable, if or if you get comfortable with being uncomfortable, I promise you you could change your life for the rest of your life. But you gotta take that risk. Every single day you take your risk by walking outside, driving a car. What if you were to do that with your own business and and and eventually become successful? Like you can do that, you just gotta believe it first. Like uh, I'm a believer of God, right? I believe each of us have a vision that He implanted in us individually. And if you pursue that and you're intentional and you know that you know you praise God, I think it will work out for you. And um I I would just never want to have that moment with my kid. I don't have any kids yet, but eventually when I do with my wife, I don't want my kid as I'm raising them to be like I t I tell them to pursue their dreams, but I never pursued mine in the first place. So how am I supposed to tell them to pursue their dreams when I didn't do it in the first place? Yeah, exactly. Like you're always you always have to be the example, you always have to be the leader in the family. So you're gonna fail a lot, yeah, but what if that one time you win and then boom you change your not only your life, but generations to come. So just take that risk, guys. You you have you might have something to lose, but if you don't, you might have even more to lose. Yeah. Yeah.
SPEAKER_03:Alright.
SPEAKER_02:I would just capitalize on that. We got one life to live, and uh first seek his kingdom, and the rest will come the the knowledge, the wisdom, just like King Solomon. He didn't ask for the riches, he didn't ask for the wealth. He wanted wisdom, and what came with that? The riches, the kingdom, built the first temple for God and look at. But also, you can have wisdom, but the flesh is always gonna fail, guys. We make mistakes, and like he said, if uh if you're telling your kids to shoot for the stars, but you're just mediocre, it's like, come on, you know, they're just they're gonna strive for mediocracy as well. So we we didn't come from rich parents, so we had to become the rich parents, not just materialistically, but you know, mental everything. We gotta be well-rounded. Um, you gotta be uh strong like a lion, but shrewd like a fox, screwed like a fox. So um, you know, network, guys, get out of side of your comfort zone, and you know, just and if you're not a believer, this doesn't have to be a sermon, but ask like, ask the universe, what is my intention? What is my purpose for this life? And I and I tell you that it will come to you. If you truly want to change your frequency, your reality will start to bend to what you truly want. Yeah, and you know, I hope everybody truly finds their purpose because you want to live a life worth living, you know. You don't just want to just be like cattle, you know. Yeah, and that's the thing. Like it I know life is hard, guys, but we just gotta work every day hard, be optimistic, and just show up, show up and make it happen. Yeah, yeah.
SPEAKER_03:Well, I hope you guys enjoyed this episode. Thank you for joining us and send it to someone because we all know someone that needs it and get life insurance. Okay, we're gonna do that.
SPEAKER_01:Facts. All right, later, guys.
SPEAKER_03:See you guys next week. Bye.