Ep 3: Retiring Abroad: How Much Money Do You Need?

How much money do you really need to retire abroad?

In this episode of The Bougie Expat Podcast, Sable sits down with Nakia Lawson, also known as The Tall Money Lady, to talk about retirement, relocation, savings, income, and what Black women over 40 need to think through before building a life outside the U.S.

Nakia shares why retirement planning should start with the life you want to feel, not just a number in your bank account. She and Sable talk about the real cost of retiring abroad, why your monthly budget depends on your lifestyle, and how savings, income streams, investments, pensions, Social Security, and emergency funds all work together.

They also discuss why moving abroad is not the same as going on vacation. Your relocation plan should include housing, healthcare, travel, family visits, savings, income, and a clear money plan that supports the life you want.

This episode is for Black women over 40 who are thinking about retiring overseas, moving abroad, or creating a more intentional next chapter with financial peace and freedom.

This episode is for education and conversation only. It is not personal financial advice.

In This Episode

•  How to think about retirement abroad after 40 
•  Why your retirement number depends on your lifestyle 
•  The difference between savings and income 
•  Why three to six months of expenses still matters abroad 
•  How to plan for healthcare, travel, and family visits 
•  Why Social Security, pensions, and retirement accounts need a clear plan 
•  How investments can support monthly income 
•  Why saving alone may not build long-term wealth 
•  The value of trade-offs when working toward a relocation goal 
•  Why self-prioritization matters for Black women planning retirement 
•  How your circle can support your financial goals 

Guest Info

Guest: Nikia Lawson
Known as: The Tall Money Lady
Focus: Retirement planning, money strategy, and financial education

Connect with Nikia on social media at The Tall Money Lady.

Thank you for listening to The Bougie Expat Podcast.

If this episode spoke to you, subscribe to the podcast and share it with another Black woman over 40 who has been thinking about relocating abroad, retiring overseas, or designing a new chapter with more freedom, peace, and intention.

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Transcript

SPEAKER_02 0:00

You can't outwork the numbers and how money works. I haven't seen it yet in my over a decade of being a financial advisor. I haven't seen a product that's we can outpace what the market does or what real estate does or whatever the case may be. The truth of the matter is you cannot save your way to wealth.

SPEAKER_00 0:22

She's done waiting. She's done shrinking. And she's done building empires in rooms that were never designed for her. This is the Bougie Expat, the podcast for black women over 40 who are ready to reinvent their lives, rebuild their income, and relocate with intention. If you're done settling in corporate, tired of environments that no longer feel aligned, or quietly planning your next move, you are in the right place. Hosted by Sable, live from Panama City, Panama. Seven countries, four continents, one move she made in five months flat. Income strategies, exit plans, a life designed to actually fit you without starting over broke. Let's get into it.

SPEAKER_04 1:30

You could probably not even imagine why she's given that title, but I'll just give you a little hint. She was with the WNBA while your guys were still home sleeping on her. But anyway, we're going to talk about that later. We are about to talk about money. My favorite, favorite topic to talk about. That is all we talk about on the Bougie Expats. I'm Sable, your bougie girlfriend, and we're going to get into it today. You have been asking me all the time about money. Do you have enough money? Can you how much money you need to retire? Kia specializes in helping people retire well. And so that is what we're going to be talking about today. Now I'm going to have to just tell you this. Kia is not your financial advisor right now. We're just having a conversation. We're just talking about money, how you can use your money, how you can spend your money, keep your money. But Nakia is not here giving you financial advice. You need a financial advisor, your very own financial advisor, who you have paid. Right now, this is a conversation, and you get to listen to this conversation because I love you dearly. But if you really want to talk to Nakia, you can look her up. I'm not selling her. I'm just letting you know that's the only way she's going to give you advice that you is really personal pursuit. So let's get into it. Nikia, one of the things I continuously hear from the black women over 40, they want to live abroad, they're itching for it, they are looking for it, they're planning for it, desiring for it, salivating for it. But the money issue comes up every single time. What do I have enough money? So if you have not planned well, because a lot of us have not planned well, statistics are showing that black women are retiring with $30,000 in the bank. We know that most of our money goes to our family, our cousins, our uncles, our children, our spouses, our boat boo or baby or whatever we call them, versus going to us. And we find ourselves at this stage not being able to financially support ourselves. And now we're like, yes, I'm gonna get my money game together. At 40, over 40, talking about retiring abroad, is it really too late for us?

SPEAKER_02 3:37

Absolutely not. I think it's important to understand what your expectations are. That's the thing that you really want to be focused on. Oftentimes, we talked about it earlier. We're talking about people think they're gonna find a $500 apartment. People are like, oh, move to Taiwan or whatever country. And you don't have proper expectations of where you're gonna live, how you're gonna live, and what the overhead of that lifestyle is. I will say more and more people are becoming open to the idea of retiring out of the United States because of the cost of living. Whereas it's very challenging to retire here in the United States when you start thinking about healthcare costs rising, food costs, rising, just to get an apartment. We're here in Atlanta. You try finding affordable housing. So that is pushing a lot of people out of the country. So I the most important thing is your expectation and understanding where you're gonna move and why.

SPEAKER_04 4:35

So my expectation on how I want to live as a retired person. That's my expectation. No, okay. I believe you're on the same plane. We're not shrinking how we live. We may adjust how we live, we can downsize by choice, but we don't want to downsize our lifestyle. So if we're thinking about how we're gonna maintain our same lifestyle, what would be some of the critical elements to have in our retirement financial plan?

SPEAKER_02 5:10

One of the most critical elements is exactly what you've done. Most people only focus on the numbers when they're thinking about retirement. And you have to think about what do you want retirement to feel like, right? Because somebody, I'll, for example, for me, I said I want my little condo here in Atlanta where I can pop in and then I want a condo like three to five blocks from a beach. I don't have to be like right on the beach, but maybe three to five block walk to the beach, and I have the coffee shop that I go to every morning on the way to the bakery. And so I have an idea of what I want it to feel like. And then I can backtrack when I start thinking about where am I gonna go? Am I gonna go to Europe? Am I going to Africa? Am I going to South America? Am I going to Mexico? What does that look like? So the feeling of it is probably the most important part of the plan. What do you want it to feel like?

SPEAKER_04 6:00

I feel like you were like sneaking, looking at our exit elevated exit roadmap because we are that's exactly what we tell our clients is about how do you want to feel in your retirement? It's beyond money. So we actually have the black women's retirement guide beyond money. It's about your lifestyle, it's about community, it's about friends. Those are the things that make your retirement enjoyable. And those are also the things that make your life abroad environment good. But none of those things can also happen well if you don't have any money.

SPEAKER_02 6:34

If you do not have any money. Well, if you're on the struggle bus. So everybody, so that number is that's relatives. Absolutely. I have clients who make very good money lifestyle-wise, they're very stressed. And I have clients who make a little less and they're like, they're living the dream in their minds. So again, I always say retirement is not necessarily age, it's a number. And your number for retirement, you could go somewhere and live off $3,000 a month. That's great. Or you could be the person that needs $20,000 a month, even living out of the country, depending on that feeling, that lifestyle, what do you want that to look like? So those numbers are pretty relative. When you start thinking about the road mapping, though, I think, like you said, starting with what do you want it to feel like? And then secondly, that's where you backtrack into where are the places that I can achieve the lifestyle feeling that I want on the income I have that I'm expecting.

SPEAKER_04 7:34

Absolutely. And I agree with that because we actually have a client who gave us their budget. They were like, we realize that living here in this country, we're gonna need to have at least $15,000 a month. And then they were like, but dog, that's what they need to live off when they're in Atlanta. Because it's not necessarily always that it's cheaper, it's because now you realize, wow, there's some other things I want to do, that there's some other things I want to enjoy this that this country may offer that did not have in wherever you're coming from, or because you have more time. Right. And so you realize that there's different things. So, with that, if we're talking about lifestyle, we know lifestyle also costs, right? Lifestyle is not free. And so, as people are trying to prepare themselves for requirements, how do they know that they have a solid savings cushion? Is that even possible? Savings or income?

SPEAKER_02 8:29

Let's talk about it because there's a little bit of a difference. I love okay.

SPEAKER_04 8:32

Let's talk about both. Let's talk about both.

SPEAKER_02 8:34

When you talk about savings, think take moving out of the country out of it. If you were moving from Atlanta to Nashville, you would have to know where you were going to live, how much the rent was, how much is the moving truck to move all your stuff there, or are you gonna sell everything or give it away? What are the steps to get there first? That's where your savings come in because you're gonna have things pop up. How much are the Vs? So let's take it you're moving out of the country, you have to think about where do you want to live? You should go at least once or twice, if not three times, to the place that you're planning on living for the rest of your car with sight unseen. Listen, well, you know, you probably did more, a little more research about where you were doing sight unseen, though. Yes? Or you just said, eh, Penham, Panama. Really? Tell me about that. Okay, okay. No, well, I think it's awesome because sometimes if you overthink it, you have analysis paralysis. And if you know that you're that person that would do that, you might be know what I'm gonna go and I'll build the bridge and the parachute on the way. But when it comes to savings, I think being able to handle the miscellaneous things are where people get caught up. Because when you go, yes, you got your income that you're expecting, but outside of that, you might have other things. And I don't think the savings amount changes much whether you're moving out of the country or staying in the states. Three to six months is like the bare minimum when you start talking about savings of your full monthly expenses. So if you anticipate your expenses being $15,000, then you need about a good $45,000 to $65,000, $45,000 to $60,000 to have as a cushion, not in your bank account, in your high yield savings account. That's not financial advice, that's not solicitation because there's but it's telling you for a friend. And because people get nervous about from a banking perspective, I notice people are very nervous when I talk about high yield savings account. Your brick and mortars are not gonna do that. You have to do an online banking system typically, but you're talking about three to four percent on just your money sitting. We want your money to always be making money. I'm gonna swing it back now. Sorry, I can't help it, I'm gonna nerd out. But the savings amount doesn't change that much. Your income, I think that's where people get get off base just a little bit. I have three clients right now who have already purchased their property that they're going to, and they did that as a precursor for when they get ready to fully retire. I think doing what you did is amazing. I don't, I would never tell somebody, don't do it. I'm like, well, let's figure out how. Oftentimes we go, I can't, instead of going, how can I make this happen? But often with most of my clients, we have a three to five year runway where we're like, we know we want to leave the United States. We've calculated our social security, which is sprinkles, we don't know what direction that's gonna go in. We've calculated our what I call your floor. And the there's a floor and then there's uh the rooftop. Okay, so the floor number is just to be here and have a decent life and chill and not be stressed about money. Here's my number. Now, to be sitting on the rooftop overlooking the ocean with a glass of whatever, Elena, whatever you want to libation you would choose, what is that number and like that stretch number? And again, I always like to start with the end in mind and work our way back when it comes to those types of numbers.

SPEAKER_04 12:06

I'm glad you said like that three to six that we've been hearing all the time about, it doesn't change because you're moving abroad, right? So sometimes I think we think, well, my rent is only going to be a thousand. I don't know where that place is either. But if my rent's only gonna be a thousand, it's so cheap to live there. If I have $5,000 in the bank, I'm good. But it's not just because things are less that you don't need to still use the same financial principles.

SPEAKER_02 12:32

Exactly. One of the main reasons is you don't know if you might have an emergency and have to come back to the United States and do multiple trips now. Yeah. Because of health reasons. I have a friend who moved to Ghana and had her first son, got married, had her first son, well, she was diagnosed with lupus. And now she has to go come back and forth from a medical perspective to go come back to the states for treatment. I have another family who's Eritrean and they were planning on retiring, but the wife has she has a condition that requires her to go get treatment every six weeks. So they're we're looking for hospitals, Kenya. They have they go there, they'll be going back and forth to Kenya. We're having to come back to the United States. Or if you have grandkids, kids, your income might not encompass travel.

SPEAKER_04 13:18

And that is something that we have to think about. For sure. We think about how much our rent on bills are, but we also have to think about those trips of coming back and forth for big occasions, small occasions that you also need to also consider in your budget. And so, since most of the women we know who are migrating or leaving the US are black women. Most of them are single black women. And that is where the concern comes because there is no safety net of another human being. And so, what kind of things that they could create or what should they be putting in their financial portfolio so they could have sustainable lifestyle after retirement? So they've now moved and they're like, How can I sustain myself? And I want us to think about it from a portfolio perspective versus I'm gonna get a job, like an income. Okay, that's a very loaded question.

SPEAKER_02 14:20

All right. And the only reason why I say that is because it's so specific to the individual. For some women, specific. So let me back up a little bit because as women and women of color, when you move and live abroad, I've lived in eight different countries, nine if you count the United States, right? When you move abroad, the level, at least for me, I can't speak for everybody, there's a certain release that happens through that live girl. That does. Where even if you're single, so I'm three in three and a half years married, but before him, I was moving out of the country and I was doing it by myself. So I understand the conversation, and part of that is because I wanted to feel safer and I wanted to feel less stressed about just being who I am as an American. Okay. So that there's a level of woosaw that happens when you move out of the country. Now we start thinking about income-wise and generating income, that's gonna be tough because if you're not gonna start a business and you need extra income, there's a lot of creative ways to do it. Maybe you open your home up to other expats that are coming and, you know, maybe your Airbnb space, maybe you are creating what I have seen is people create ways to enhance the communities that they're moving to, and that somehow offsets income as well. But I don't know how you generate money without generating some type of service for other people to pay you for, unless you have the reserves necessary to have a standard income. There's ways to create that, absolutely, but again, it goes all the way back to budget. And so if you want sustainable income that never you're never gonna run out of money as long as you're alive, there are places that you can invest it to make that happen. But if you're not in that position, I don't see how you can do that without creating income for yourself.

SPEAKER_04 16:23

And so could you invest your could you have an investable retirement? Say uh someone is I'm 53, I want to retire and relocate in two years, could they invest enough that the dividends from these investments would be able to be sustainable? And I'm talking I'm not talking about the $15,000 a month lifestyle, but let's just say the $3,000, $5,000 a month life, right? Could someone, is that even possible for someone to do that within two, two to three years, or is it too late? They should have started a long time ago.

SPEAKER_02 17:04

Three to five is realistic. However, again, it depends on a what you're willing to trade off. Okay, because you got to think about living. If we just calculate how much we spend on our cell phones, car insurance, car note, mortgage, or rent, when we calculate all of those numbers every year, we're spending 40, 50, 60 grand at the bare necessities of just living in America. That's before food, before travel, before hair, before makeup, like before the kids, before all those things. So I think it's doable. It's just a matter of what type of trade-offs are you willing to make. And then again, what type of money you're needing. Because half a million, for example, is somewhere between 25, if it's invested, well, somewhere between $2,500 and $3,200 a month indefinitely without you running out of money. If you go above that, then at 80, you're gonna be like, oh.

SPEAKER_04 18:05

So we don't give someone well, but that gives someone perspective, right? So that's the perspective. So if you are like, okay, if I have a half a million I've saved, then and I have two five, two three thousand, that's all I can use from that. And I need to supplement it. Maybe I have a pension, maybe I have social security and also supplement it. Then you're like, well, how am I gonna save a half a million in three to five years? Maybe you join the fire community until they'll put your money and reduce lifestyle, you will find out a lot of things that you don't need.

SPEAKER_02 18:38

If you're starting from zero though, I don't think that's realistic. I think I hope that at least starting from the 30,000. Yeah, if you're starting with some because compound interest works, but you have a shorter time horizon, right? There, if there's an advisor or someone giving financial advice that says, Yeah, I can take your 30,000 and turn it into 3 million tomorrow, run. Literally not how it works, unless you have the next big IPO or the next big app, or you're creating a company that someone's gonna buy for $10 billion, then and even that has a 10-15 year runway on it. You can't outwork the numbers and how money works. I haven't seen it yet in my over a decade of being a financial advisor. I haven't seen a product that's we can outpace what the market does or what real estate does or whatever the case may be. The truth of the matter is you cannot save your way to wealth. I love that.

SPEAKER_04 19:38

It's the truth, but I think a lot of people are like, I'm gonna put my 10% away, I'm gonna be aggressive, I'm gonna put my 20% away, and that's gonna make me wealthy.

SPEAKER_02 19:47

You have to be investing. You and you're gonna invest in one of three things. You're gonna invest in the market. That is not financial advice. You're gonna invest in the market, you're gonna invest in real estate, or you're gonna invest in a business. And most people don't have a few hundred thousand dollars to start out with a viable business that they don't have to scale, that they're stepping into with cash flow already. Most people with real estate, that takes time, that takes money. Um, even if you're thinking of going into as an investor, flipping property, like that's a rich man's game too. Within within that.

SPEAKER_04 20:21

They don't show it that way on TV.

SPEAKER_02 20:23

Oh no, do not let them. Yeah, me and Natalie have had some very interesting conversations working with some of our investors, we share a few clients, but systematic investing is just the simplest, easiest way to build wealth. And so I always encourage people to not make it or invest in the market or do this thing, it's invest and so it doesn't have to be or it can be in. So back to your original question, I'm 50, was it 53?

SPEAKER_04 20:51

Yeah, so let's yeah, so let's say a very imaginary person because this is imaginary advice for a 50. I'm 55. We you have a 55-year-old woman, and she's I'm ready to leave in three to five years. I want to retire. I do have a pension, I do have a social security coming in. I have $30,000 now in my 401k. That is my biggest savings. I have my emergency fund of three to six months. So what would you recommend she do in that period to so she can build herself a sustainable either income from investment or something that's gonna give her some cash while she isn't while she is living and she wants to live her best life, which is relative. That's right.

SPEAKER_02 21:43

But so we're 50, you say 55? So if you're 55, that means you have four years before you can even access your retirement account. So that's some time for that money to grow and scale. It goes back to the trade offs. If you know I need to save seven grand a month to hit. The number that I need to hit so I can deuce out, then that means you are significantly reducing your overhead. I would not want to be in my 50s with a roommate, but I do know and have two clients who are older that started renting out space in their home to trusted people, but they wanted to reduce their and well, what they want to do was accelerate paying their mortgage off. So that would be something that they would and they don't have to pay it, so they can save that money. A combination of a couple of things. So you might have to bite the bullet for a few years. Now, if you have a significant amount of savings in your 401 carrier raw and you're under 59, then it's about how do I bridge that gap. So I have many clients who their retirement aim is 55. And we're planning on how do you bridge the gap from 55 to 59 because you can't tap into that until you're 59 and a half. So there's some math in there too, where it's okay, I need X amount of dollars so I can get X amount of income until my 401k kicks in, until, and then most people are not going to take their social until 65. Some people take it a little early. 62, 65, 67. I work with people to see where that intersection is. So there's some math in there. I don't want to like scare people away from it, but you have to look at your assets and you have to look at the all of it and how it works together, not just one thing.

SPEAKER_04 23:24

And I love that opportunity of changing the way you spend your money if you want to get to that goal. Satch up to join in the fire community. But if you're saying, this is what I want to do, I think it was Dave Rampton used to say, if you live like no one else today, you can live like no one else tomorrow. You could actually be able to achieve a really good stretch financial goal, but you would have to change your lifestyle. For sure. And I love that idea of perhaps maybe you never want to have a roommate, you didn't think about it, but having to rent out some rooms, I think a term for it, I can't even remember what it is. House hatching. House hacking, right? So allowing someone to come and stay in your space for a little while so you could actually have the lifestyle that you want in your retirement. And just realizing this is a short-term sacrifice. And as Days Ramsey always says, if you live like no one today, you can live like no one tomorrow. But it is going to make some changes. And I love we were having our discussion about some of the things that you would do. So I would love to hear, like just talk about some of the things that you have done and some of your challenges that you've done with your friends in achieving some really, I probably would say, aggressive goals.

SPEAKER_02 24:35

Or sometimes just, oh, well, as an athlete, I'm competitive. And I marry somebody competitive, which is funny. And then my friends are competitive. I'll just say personally, because even though I'm a financial advisor, I still have goals. I'm not a multimillionaire yet, but we often have challenges. Like right now within my circle, we have savings challenges right now. We're trying to see who can save an additional 10 grand the fastest. That's an actual like thing happening in my household and in my friendship group, right? And then next year we a bunch of us turn 50. So we're saving for those things. And oftentimes it's a it's about what you're willing to trade off. It's not a sacrifice. I hate that word, because sacrifices are things that you give up and there's no return whatsoever. And it's painful. And it's painfully as an athlete, I traded off time with my friends and parties and different things that I couldn't do because I was an athlete and it paid off because I got had this amazing career. Same thing with your finances. There's just going to be some trade-offs. And I share with you already, even with my clients, and I do this with myself, I have this game. I call it the slide method. Every time you trade off doing something, whether it's stopping at a restaurant to eat out and going home instead, or oftentimes if I'm hungry and I'm traveling instead of stopping at a fast food restaurant, I'll go to the grocery store because they have like hot meals. It's less expensive, and I'm going to eat a little bit healthier so I can keep something healthy. But every time I I don't do something, decide not to do something and make a more financially viable choice, I slide that money into my savings, even if it's just $15 or $10 or $5, like whatever it is, I'm trading off the money in a high-you savings account. The money for my future. And I think that's probably the most important part. It's just realizing that you're making the trade-off for a reason. You're not just doing it to do it. So if you're wanting to retire sooner, you will have some trade-offs because living in America is just expensive. And living on your own in America is expensive. So you either have to make more money. It's easier to make more money in America than to save more money. It is. However, if that's your choice, those are some things you can do.

SPEAKER_04 26:59

And I love that I'm make more money so you can save more money. And I love this caller trade-off. So I've in my personal life has said I'm only going to go out once a week. And that's not, and I don't feel like you said, I don't feel like it's a sacrifice. I just feel like there's other things and other priorities that I have right now, other things that I'm working on, which does not give me the opportunity to hit all the hot, sexy events that are happening every single night. That I need to be in my house with my head down, working on some other things. And so therefore I've given myself one night a week to have a great time. And on that one night a week, I do have a great time. I'm not worrying about what my bill looks like. And I'm also not worrying about what I'm eating because that also happens like during the week. I'm also washing my calories. So I'm eating egg whites all during the week, but I'm not going to do that when I go out. So I love that. It's a trade-off, and we have to think about that. If you have a real goal, if you're really interested in retiring, it's not just going to happen because you wish it, because you desire it. It's going to take some work. And some and those that's such a great way of saving money. So before we go, I just wanted to give us what is one mindset, what one money mindset would you say a black woman over 40 needs to shift if she really wants to relocate.

SPEAKER_02 28:20

Self-prioritization. What I've noticed in many of my clients is, and I don't mean that on just how you support other people financially. I also mean oftentimes we tend to spend our money on how other people are going to respond to us. So I have to have this car. The bag because when I pull up to the I need everybody to know. Or I gotta have this bag because that's last year's. There is a certain swag that comes with having actual money, not just looking like you have money. Honestly. So I think that's the biggest one. It's figuring out how to prioritize your goals and your dreams above what the expectations are of the people around you. And I know you asked for one, but I will I'll say a second one. Involve your closest circle, involve them. So my friends know when I say no, I'm not going, they already know, yep, she said she's on a shutdown. And she said, or they know, like I went on vacation with my mom, and we talk about a budget blower. We were done. I was supposed to leave to go to Morocco, and I told my friend, yeah, not going. Mama got in the bag. So they know, okay, she shut down for a little while. My friends know when I say no, it's not because I don't love them and I don't want to be there. No, I'm not spending money on intentionally for this period of time. So those will be, I would have to just put those two together.

SPEAKER_04 29:56

And that goes to community and having the right community around you who understands about it's a long-term thing. It's a long-term vision that you're working towards something, and we're here to support you and not like trying to guilt you. Oh, come on, you got enough. You're gonna be good enough.

SPEAKER_02 30:14

Why do you want to do that?

SPEAKER_04 30:15

What do you want to move out of the country for? What do you want to do? Let them make someone said to me, I don't know anybody who's moving out the country. I don't know anybody in Panama. And I said, yes, it's 102% off this Q1 of 2025, and now you know me. You know somebody. So people are moving abroad, people are making changes in their lives, and we just have to make sure that we're in a circle where people are supporting, even with our financial goals, because it does take a village. And a village may not necessarily be contributing financially to your growth, but their attitude, their energy, their compliment, their high five, this get a girl. I read this article. I saw this, I thought about you. Information sharing, all the things. So, right before we go, I have I just want to ask y'all rapid-fire questions. Sneakers or stilettos? I can't do both. No.

SPEAKER_02 31:12

Okay, well, I can't wear I can't wear stilettos anyway. I'm six foot four. That's why they call me the tall money lady. I wear heels. I'm gonna I'm gonna go sneakers.

SPEAKER_04 31:20

Okay. I just want to say I have never seen her in sneakers. Lots of high heels I've seen her in. Probably these are the flattest shoes I've seen her in yet. Yeah. She I never told you this, but when we met, you had on these really high heels. You were with someone else, I can't remember, another former WNBA player, and both of you had on high heels, and I was like, you guys have really given me the gut to wear high heels because I just never wore high heels, and I still don't. But I still try, like I got a like a two-inch here and a two and a half, and I'm like, I'm doing the thing. I can do the thing. It does, it depends on your hips sweat.

SPEAKER_02 31:56

I'm not gonna say who would heard me say something about heels and was like, no, you don't need I said, sir, that is your problem, not mine. If you feel short, not my problem.

SPEAKER_04 32:06

All right, sneakers. Vacation, and you just came back from a whirlwind of Latin America, South America. I saw you out there. So were you now gonna choose beach or a city?

SPEAKER_02 32:19

That's not fair. I literally just said I am not someone who can choose between the beach or the mountains. I love them both. Well, I didn't give you mountains. I know, but beach or city, I'm going to go with city near the beach.

SPEAKER_04 32:40

Can I do that? Come and get come and get your tall money lady. All right, it'll book, because I know you read. And you also hook me up with master class. Thank you very much. Master class, yeah. Oh, I love it. Book hard copy or audio.

SPEAKER_02 33:01

Audio. However, I'll trade a caveat in there. I do a lot of self-development, and most of my self-development books are audio. But if I like it, I get the fard copy physical, but I also do Kindle reading also. Yeah. Because you can't really travel with all five of the books you can read. So I'm a little bit of a mixture, but if it's a per if I go by percentage, it's gonna be audible.

SPEAKER_04 33:24

I love a good audible and I do the same thing. Then I give the Kindle so I can highlight it. Yeah, because I'm like, oh, that was good. Because you can't really take it. And then Kindle, you can go right back to it. You just like keyword surge and get right back. So I actually love that. Thank you so much for being here. How can people reach out to you and connect with you and actually get financial advice? Because this was just a conversation.

SPEAKER_02 33:46

So I will say, first of all, if you're looking for a financial advisor, even if it's not me, because this is not a solicitation for clients. Okay. Make sure you're dealing with the fiduciary. I think that is the most important part to look for. There's not a lot of women or black women that are fiduciaries, but we're out there. Find a fiduciary so that you can be confident in the advice that they give. If you have questions about what we talked about today about moving abroad, I'm trying to think about how to say it compliantly. Nikia at the Tall Money Lady is my email address. Or you can find me on social media. The Tall Money Lady is my moniker for everything on social. And she's all over the world.

SPEAKER_04 34:26

Always doing family. Thank you so much for coming. I enjoyed talking to you and seeing you.

SPEAKER_02 34:31

I appreciate having you and all your quick trips to it. Thank you.

SPEAKER_04 34:34

Thanks.

SPEAKER_00 34:39

That's a wrap. And if this episode resonated with you, go ahead and follow the podcast and share it with another woman who's ready for her next chapter. And if you're ready to move beyond thinking and start building your exit strategy, I invite you to join me inside my live experience, the Elevated Exit Masterclass. You'll find the link in the show notes. Until next time, make your next move a bougie one.