35: Planning for success by building a life that is financially healthy with Lizy Hoeffer

Foreign.

Welcome to the Becoming Bulletproof podcast. I am your host, Tracy o'. Malley. I'm a mom to millennials, an author, Enneagram expert and multi million dollar entrepreneur and master performance and business coach. I've gone from rock bottom to building a bulletproof business and life. If you're looking for the unfiltered transparent truth and ethos, an extra kick in the ass, you will discover that here. Each week I'll be bringing you success stories of high level entrepreneurs as we discover how they became bulletproof and created their empire. You'll learn the story behind the glory along with Enneagram inspired truths so you can ignite your own purpose, profits and build your legacy. It's time for you to become bulletproof. Buckle up. Let's go.

Hello and welcome to another episode. And today we are talking money and how important it is to know what you are working with to set yourself up. I know in talking to thousands of people over the course of the last few years that it is amazing to me how many people have put their head in the sand in regards to money, money management, planning for the future. And I don't at all say that in judgment at all. A lot of that comes from conditioning or experiences we've had as kids around money. You know, I was raised in an environment, you know, I was told like, you make the money, you control it and you will have all the power. And I was like, okay, you know, with my like 4 year old self going okay noted, I got that. And that had a huge impact on how I was with money, you know, for years to until I really figured out what that was about. And my guest today, honestly, I am not lying, she is probably my biggest girl crush. I kid you not. I could listen and learn from her all day long. She is infectious. But when you first see her, she's kind of quiet and that's kind of like she snuck off on me like that. And I love her and she is one of the ones whenever I want to learn about money and the market and what's happening in the world around finances and you know, the coronavirus and you know, all the shit that's happening and how it affects like mortgages and the market and money management, she is my go to resource. She is my one number one go to resource around all things money. So you guys, my good friend Lizzie Hofer is going to slay it today for all of you and just we're going to take you back to in her story and why she became so like crazy good at this and here's some accolades, which she won't tell you. Like, well, she might like the number one loan officer in the country. The number one Hispanic, right? Loan officer as well. She not just her brokerage and her little, like, office. Like, she personally has closed more loans. Like, she isn't just delegating. Hey, you do this, you do this. Like, she gets the shit done. And you guys know me when I say, like, the leader always goes first. Like, she is the epitome of that. Like, there's nobody that will ever top her where she, where she manages all these people and, you know, she walks, her talk and all the things. So, Lizzie, thank you for being here. I'm so excited.

Oh, my God, what an intro. I hope I'm about to die.

Oh, girl, you're gonna just. Oh, I got gooseies just talking about you because you're. You're so, like. I think especially. I mean, I have a lot of male listeners too, but I think this thing around money, it's like this taboo subject, right? Would you agree with that?

I think it brings out, like the most anxiety amongst people. Like, people are worried about credit, they're worried about their money. They feel super judged whenever they start talking about it. You know, it's this crazy, you know, it's this crazy, just underlying fear that most people have. And then once you just start digging in and learning about it, you realize it actually isn't as complicated as you thought it was. And, you know, any good, tangible advice is super easy to implement, so. But yes, I work in finance, and I would definitely say that just talking about money can make people get into tears or break out in the sweat.

Do you think that's why a lot of people bury their head in the sand?

Oh, absolutely. I think that it's. And we also live in this weird time in the world where everything's just like a double click away. So I really feel like people aren't as aware of what they're spending. I don't think that there's an emphasis enough on budgeting or, you know, like, how to get ahead. Like, think about student loans, right? Like, people just never plan on paying them off. Like, that's just debt you have forever, kind of. And when I talk to people, like, that's just what it is, you know, they're like, oh, yeah, I have student loans. I have them on an income based repayment plan. I'm paying $25 a month. Or I put them in deferment for like the 20th time. So I just feel like people don't really get debt anymore. I don't think it's as serious as it for our parents. Like, debt to my mom was like the worst thing that we could do, right? You know, debt for, you know, my siblings, it's like just part of life, right?

I think that, like, our generation is the last generation that was raised by parents that that was like the worst thing ever. A shit credit score was like, horrible, right? And I love that you said that about the double click, like world we live in today. People want instant this and instant that. And, you know, I want to buy a truck. And so the next thing you know, they're at the dealer and you know, there it is. And a lot of these things that are out there make it easy to make that happen. That gets us and other people into trouble, right? And then it comes time to buying a house or doing something with you, and it's like they can't bury the head anymore, right?

100%.

So I want to take them back because, you know, clearly by the intro I said, like, you know what you're doing? You are my go to resource when it comes to things money. But, you know, you didn't just kind of get born this way, right? And you know, I've had lots of conversations about little Lizzie and how she grew up and how she became this scrappy, get her done kind of girl. So let's go back to little Lizzy a little bit.

So I was fortunate enough to be raised by two really interesting people. So my dad was a serial entrepreneur. So he was like feast or famine, so lots of money or like no money living on someone's couch. And my mom was just, just a doer. So she was just your get your shit kind of person. So for the most of my life, she worked two jobs to keep me and my other three siblings afloat. So that was majority of what I got accustomed to. So it was, you know, we didn't always have food, we didn't always have electricity. We didn't always have, like just the basic necessities. And I remember always feeling like a sense of shame around that. And I knew that, like, when I became old enough, I would like, learn how to make a lot of money, but instead of losing it all, I would learn to save it. Because that was like the one thing I learned from my dad. He could make money like nobody else's business. He just couldn't keep it. And I knew that what my mom did, even though it was an honest, there's no bad work if it's an honest paycheck, you know what I mean? I just feel like you do what you gotta do. But I always just knew that she one only had so much bandwidth and both jobs that she had just didn't pay very much money. And so like her only way of making more money is to like work more hours or get overtime, seek a promotion. And what I love about my mom is that she actually also believed in real estate. So one of the biggest assets in our house was this mortgage that my parents had together. And my mom literally did everything to keep the house because she said that the house would be the thing that set her up for retirement. And because we lived in that house for like more than 20 years, she was able to walk away with like $200,000 in equity. I mean, that's life changing for some people. And in my mom's case, like she ended up becoming a rocket scientist, like literally designed services for the government and it changed her whole life. So like between the two of them, I learned real estate was a really good investment and that I needed to be working for myself so that I could always control the amount of money that I made. I just knew that neither one of them knew how to manage it well.

And neither one of them, it sounds like, knew how to put it all together to really make it work for you. So I remember kind of growing up in a household where my dad was super conservative. Like he was depression era parents and he was the oldest of seven, you know, the whole thing. So he was ultra conservative. And his brother, who was 10 years younger than him, worked with my dad, but he was the risk taker. And so like learning from the two of them, I was like, okay, you know, there is a good risk. Risk is good with boundaries. Like you gotta, you gotta kind of be smart about it. And some being, like, being more thought out is really good. And so I was able to bring both of those together, like you have with those two role models in my life. What, where was the point where you realized not only with real estate, but also in investing, how, like, when did it click for you that, okay, how can I make my money work for me when I'm sleeping because of the bandwidth thing? And you know, now you're a wife and mother to three and like there's only so many, we all have the same amount of hours in the day. So when did it click for you that, okay.

Now let's make the money work for us when we're not like in the grind of it.

So When I was 23, I had a boss. Well. And he's still, like, he's who I consider my rich dad. So I had a boss who had sold, like, a financial firm to JP Morgan Chase and had made, like, $62 million. Like, this is what he sold it for. And he was by far the richest person I had ever met in my entire life. And I remember one day I just said, do you have a second to talk to me about money? Like, you are literally the most successful person I know, and I know very little about money. And so that was the first day that we worked on my budget. We worked on, like, what money? Like, it was really interesting because he sat down and he's like, well, what do you want to do with your life? And I'm like, I have no idea. But I know I don't want to be in debt, and I don't want to ever, like, have to live on anyone's couch. And so he talked to me about multiple streams of income and how the job that I had was what we call earned income, and how in earned income scenarios, which is the majority of the world, like, your. It's. It's like your success is limited to the amount of hours that you'll be able to work, right. And the items that, in my case, that I would be able to sell. And so he's like, nobody ever gets wealthy off of earned income. And he, like. And he's like. And when you get. But you're not in a position, he said, to have any investments. And I remember at first, I was like, oh, man, that's really embarrassing, because, you know, finances can. It's like getting a physical. Like, you're naked, right? It's, like, so awful. And I remember feeling a lot of embarrassment when he said I wasn't ready. But at that time, I did have, like, $48,000 in student loans. I had a $20,000 car. I had, like, 5,000 in credit. I was just not in a position to invest my money. I had to get out of debt first.

And you were 23.

I was 23, yeah. That's what I graduated with.

Mm. So when you hear that conversation, instead of going down, like, into the shame circus, right. Which I'm sure there was a moment of that, like, shit, I suck at life at the ripe age of 23, because I'm not ready to be, like, this $62 million, you know, person, Right? So what kind of fire did that light in you? I'm sure you had a moment of, like, oh, God. But then, obviously, knowing you, the Way that I do that lit your butt on fire. And what happened after that conversation.

So I have just been like, everything's figureoutable type of person. So like the shame stuff, like, it always just motivates me. I've never been like a shame. And then I'm paralyzed. I'm like, fuck that I'm gonna do this.

So when he said, well, because, like, I think the issue was that I had to write down all of my debts. And that was the embarrassing thing that at 23, I literally had just as much debt as maybe like a family of four. You know, it was like really like that to me was just shocking. So I just was like, okay, well, I just have to get out of debt. And then shortly thereafter, I remember meeting my husband. My husband's family was very wealthy and he. They had really great financial practices. And he actually gave me a book called the Richest man in Babylon. And that actually was the foundation of how I set up my finances. And then I was actually able to get completely out of debt in three years. Wow. And then once I did that, then Mel, my rich dad, he actually still meets with me once a year to go over my investment strategies and my plan. And he made me read there's another book called the Intelligent Investor, which by the way, is the world's hardest read ever. Is it? Oh God, yeah. It's like so difficult to understand things. But I'm glad I read it because now I understand like my E Trade account and I understand when people try to send me sell me on mutual funds, like what, you know, what I'd really be paying and what we're really buying and why.

Okay, so you get out of debt in three years. How did you do that?

So it's just this. So learning to live off of 70% of my net take home income is like the key to most of this. Right? So it was a lot of sacrifices. So like, no shopping, living on like a $10 a week budget for food was one of my budgets. Like, so I had a cricket cell phone. Do you remember cricket?

Oh, hell yeah.

And then when I upgraded, it went to Altel. I mean, my God, I literally had the most ridiculous services for cell phones. But it was just sacrifice. Learning how to live off of 70% of my income. And then 20% of my income would go directly into debt, like just principal balances. And then as soon as I paid off one debt, I just kept my minimum payments and added that to the next set. And. And then, you know, I had 10% of my funds went to just rainy day. So, like, if I needed something instead of borrowing credit, I would take it and borrow it for myself. So it was. Yeah. So it really, really, really helped nail, like, a really good foundation for how to use my money. Mm.

But I, like, wasn't able to start investing until I was like, 30, you.

Know, which was like, yesterday. You're what? How. You're like, how old are you today?

37.

Like, unreal. So let's go back to that. Like, because you're.

I guess I was like 28. Yeah.

You're obviously the number one loan officer in the country.

I'm the number one female. I guess I'm number six, technically, for everyone.

Oh, six out of everyone. Number one baller. Like, she's my girl. Like, she's cool as shit too. So, like, that aside from, like, big girl crush. So I love the story about how you end up in mortgages and how that all started because this is where the rubber meets the road. You all. This is where, like, nobody will ever outdo her because of this grit she's about to tell you. And growing up the way that she did, I mean, it was rough. I mean, we kind of just glossed over it, but it was really, really, really hard. And so this scrappy girl ends up as a receptionist. Right? That's how you got your start at a mortgage company.

Yeah. So when I went to college, I had gotten a really great scholarship. And it was when this time where my dad was really flushed with cash, and so I really felt that I was going to be able to just have a normal life. But then he ended up with a heart attack. And I just had my. Like, I was a year and a half into college. I was joined a sorority. I was really liking my life. And then all of a sudden, I was going to. It was like, came at a screeching hold. And it was like, either figure out how to stay in college or go back to Nogales. And it was like, there's no opportunities in Nogales. And so I was like, okay, what. What would it take for me to stay in school? Right. My college is paid for, so what would it take? So I was like, I know I need a job. I need a high paying job and I can get some student loans. And so the highest paying job I could find was at a receptionist, as a receptionist at a mortgage company. And it was during 2002, so, like right before the big boom the first time. And I just helped a bunch of loan officers. And the craziest thing is that like, they're really, really, really unqualified people giving money advice and just cheap, like, selling people on saving $50 a month, which is terrible advice. And. But I listened to their scripts all day long, and one day I was tasked with, like, shredding like, 200 what they called dead leads. Because these guys had called them and, you know, you know, they said they were all dead. And I said, well, what if I don't shred them? What if I call them for two hours every night? You don't have to pay me, but if I book an appointment.

If I book an appointment, like, would you.

Pay me $50 a liter? Right? And so that, I knew, was like five hours worth of work. And the guys were like, sure, like, if you could convert them. And I was like, because for me, $50 changed my life. Like, those, you know, that's just a lot. So if I can make an extra hundred dollars a day, I was gonna do it. And I ended up being really good at it. And I ended up. They only kept me in that position a short period of time.

And then I did that throughout college.

So when. When you take this pile of things that you're gonna shred, like, they're like, there's no worth in this pile of thing. And you actually say, wait a second, I know there's money on the table, and I'm putting my. My money on me to make sure you guys see the money that's on the table. What was the first thing they said to you when you come back? And said, okay, there's like five, six, seven appointments here out of these dead leads.

They wanted to know what I said. And, like, you know, instantaneously, people are like, oh, yeah, but these aren't going to turn into anything. Like, don't get your hopes up. Like, these people, they, yeah, they've answered a million times. They don't show up or whatever. So, like, there was a lot of doubt. But the thing is that, like, I mean, I really didn't have anything to lose and I had to make money. And I had seen my dad is like a salesperson and sold everything from our kitchen counter. Like, literally built businesses in front of me multiple times throughout my life. And when I was 10, like, I even started a business of selling rocks that turned into, like, hawking all of everyone's garbage. So, like, I just had already had this built into me, like, that I knew that I could sell whatever. I just had to believe in it and then talk to people in a way that made sense.

So what I have Found. And this is one of my things too. Like, I can naturally sell when I 100% am on board with something. And I know, like, without question it's going to benefit their life. Because even back in the day when I was like, selling cars and things, I hated it. But I, you know, my back was up against the wall. I was single, mom had to do what I had to do. Hated every second of it because I was like, this is stupid. And it's like, very much empty. And what have you done for me lately? But, you know, that has to happen for the world to go around. We're always like, selling and trading money. And so for those that are listening, that feel like sales is creepy, or have the internal dialogue that I even have, I'm just gonna be really transparent that I suck at sales. What would you say to somebody like me who clearly has sold a lot of shit in her life but still has that inner dialogue that I suck at sales? What is the hang up usually for most people?

So I never feel like I'm selling anyone anything. So for me, it's all about how you provide value. So if you can call somebody and really provide value, it's not a sale. And the more people you provide value to, the more sales that just happen organically.

Okay, that phrase alone may have just changed my whole outlook. And I'm not, like, full of shit right now because what you just said is, like, I know how much value I provide. Like, if I, like, enter a conversation. And for all of you listening right now, I know that, like, that's a hang up for so many people. It is like the sales thing, the creepy thing, the pushy thing. But you and I have both invested countless years and resources and time and money to be able to provide the value we do. Right?

So what would you say for those out there, how do they go about feeling confident in selling or adding value or converting the value into money for them?

Okay, can you repeat the question? Because I don't know that I got it.

Okay, so again, I get. How do I provide value if I'm providing value that converts, right? I know that not everybody's gonna hear that one time, like, I am, and like, okay, that's gonna change things.

What would be a good way for somebody to build confidence in getting on the phone? Because that's your. That's your zone. You're not all about, like, let's convert them in the DMs and Instagram, which, you know, that's like, that's not Lizzie's style. Lizzie is like, phone call takes too long, right? Lizzie's all about the phone call. And a lot of, like, sales calls for these people that are trying to sell in the DMs. They can type all day long, but when it comes to getting on the phone, that's where. Where the disconnect happens. So, because you're the phone queen.

Mm.

What is it about you? I mean, I know it's your. Your value that you give, the wisdom that you have. How can somebody who's not confident on the phone take it next level, like you?

One, it's practicing. So I didn't just get good. I sucked, actually, a lot. But I would, like, every time somebody would hang up, I'd be like, well, what happened? I was like, oh, I took too long to say hello, or I asked them how they were doing, or, you know, I wasted their time and, you know, so practicing every day is super, super important and then understanding who you're calling, right? So I have never called a cold person, per se. I mean, the leads were dead. I mean, they inquired about a mortgage two years ago. But, like, my thought process was, okay, so let's say they've already bought. Well, these people could also refinance, right? So, like, what piece of value could I provide to these people that may have already purchased or maybe have it? Right? And so I would be like, hey, you know, it'd be like, hey, Tracy, I'm calling just to give you an update on where the market is at. Like, just straight into it. Hey, you know, I know at one point you were interested in real estate. I just wanted to call and quickly just tell you where interest rates are at, what a monthly payment would look at for, like, 200,000. Because I would see, like, what they were looking at, and I'm like, does. Do you want more information on this? Great. In order to provide you with more information, I just need to take a lot of buyer borrower questionnaire, and then I'm going to go ahead and set up an appointment with one of our expert loan officers, which is you. Well, now. Well, that was my receptionist call. Oh, right. Like, that was the receptionist call. It was like, what's so, like, when you're looking at your client, right? So depending on, like, who it is, it's like, well, what's their biggest problem? Right? What's the worst thing that they're going to say to me? Like, what's their biggest fear? And then how do I nail that right off the that, Right? Because the worst thing is when you're Calling a dead lead is that they already bought. Right? Because if they're purchased leads, you're like, okay, well, but if I knew at one point they were interested in real estate and they're interested in knowing what the market is, chances are they'll talk to me about refinances, you know, like, so you just have to figure out what's the most neutral thing you can say to provide value. So, like, for real estate agents, I'm like, well, what's the property value? Like, what's their neighborhood doing? What are the best things to add value to their house? Right. For network marketing, it's like, you know, it's like three easy things that you can do. Like, for network marketing, while you still have your day job.

Mm.

Right? Or, like, you know, if I was calling people that, you know, were, I guess I would probably be targeting people that I knew hated their day jobs.

Mm. Mm. So when it comes to the phone, like, when you said something, you said something a few minutes ago. Like, I made the mistake of asking them how they're doing. I freaking do that every single time. And it never ends well. It never ends well. So what are the biggest mistakes when you get on the phone that we can stop doing? Because I need this. And I know people that are listening right now could use this.

It's the check in. Like, that's my number one. Like, unless you're their doctor or their mother.

No, I'm checking.

Yeah, it's like, super inauthentic. Like, you really don't care how they're doing. Let's get real. We're just trying to call and sell them. So I just stop with all the fluff. So now I never ask people if it's a good time to talk because it never is. It's just like, hey, I have this really great piece of information, or I'd like to invite you to an event, or I'd love it. Like, you were introduced to me by so and so. Right? And so it's just like a. Just get straight into it.

God, I need Lizzie school sometimes. Like, I need Lizzie in my head because the phone in me.

Ugh.

I don't love it. I don't. Never have. I'm getting better. I'm getting better. So, okay, give me the first minute of you're getting on a call with somebody, and it doesn't even matter, like, what you're trying to sell. Like, let's hear the first minute of Lizzy talk.

So it depends, right? So now a lot of the business that I Get is referred to same. But so like, so if somebody referred me, it's typically like, oh, my God, I'm so excited that you're working with Tracy. Tracy is literally one of my best referral partners. I love her. She has amazing experience in, you know, coaching and helping people, like, make multiple figures in network marketing. And my God, you couldn't have found a better person to guide you in this industry. And then it would say, what did Tracy tell you about me?

Okay.

Right. And then I always would let them say, like, well, you know, Tracy is your trusted advisor. I love Tracy. I promise I'm going to take just as great of care of you as Tracy is going to. I love that. And then it's just a matter of like. So step one is this. It's just real easy. I'm going to ask you all questions that, you know, if you don't know it, we're just going to skip them. Okay. Right. Because I try to take down all the barriventry.

I love that. And it takes away the feeling of, oh, my God, I am a loser. Like, if they don't know the answers to especially things around finances. Right.

Oh, my God. It's not surprising. People don't know what's in their bank account. They have no idea how much money they earn per year. I mean, and I'm just like, you know, I normally. I just kind of relate it to the fact that, like, I have been there too. And I'm not trying to judge you. No one's going to live their life to qualify for a mortgage. You know, I get it. You know, and so it's just like understanding who you're talking to and what their biggest fears are and where you can really provide the most value. And then when it's a referral, it's like continuing to edify your referral source and remind them that if they trust that person and that person trusts you, this should be just an easier sale.

So what if somebody has actually inquired you? It's not a referral source, but like, they have been watching you. They have maybe heard about you. Not necessarily from anybody, like a best friend or anything. And they're actually like saying, I want to know more.

And even then, people get really hung up on selling them or closing them, adding value. It's unbelievable.

So let me tell you guys something that will change your world, okay? 60% of the people that come in contact with you just want the next step. That's it. You don't have to sell them anything. You just have to Tell them step one is X.

Oh my gosh. Say that one more time. Like so give me an example.

Okay, so you meet somebody at an oak, like everything I'm gonna say is like real estate related guys. But you can relate this to your industries. But like you meet somebody in an open house, they're inquiring about the house that nobody has enough balls to say, okay, well the next step is to write an offer. Or the next step is to see comparable sales. Or the next step is to start a home search. Like people are like, sign my check in sheet and then I will send you some information and get back to you. Because people are so afraid of being pressure sales. But you have somebody in your house that's literally inquiring about purchasing a house. Maybe not this house, but a house. And so your main focus should be like the next step is this. In that process what happens is that because the population is so passive whenever they leave you, right, because you didn't give them the first step, they'll come into contact with somebody else who got them to the first step first. And then now that great person you had an awesome conversation with is now going to ghost you.

Oh my God. Okay, you guys hit pause and then rewind about two minutes and listen to that over and over again. I know, I'm going to. I think people go to work to complicate it and solve world hunger in a 15 minute sales call, you know, so to speak. I'm guilty. I've been guilty of that. Absolutely. That is huge information. So if like somebody that's a coach or selling their own personal services, like they're a guide of any, what would you say would be good verbiage for them of the next step?

Totally. So you have a program to sell. So somebody says, hey, I'd like more information. The next sentence should be awesome. Sign up for this course. Here's the link. Let, or let me call you and get you signed up. When can I call you to get this done? Like they inquired, they want more information. The information is in your course, the information's in your group, the information's at your next event.

Oh my God, you're so great. I'm obsessed. I'm completely obsessed. I could listen to you all day long.

Oh, I love you. You're so kind.

All day long. So because I know that you're one of those powerful women that get it done, you're also a wife and mom and I've seen your calendar before and I know it's color coded and time blocked And I'm watching my clock real close because I'm honoring Ms. Lizzie's time. How do you balance being a mom, a wife, a powerhouse businesswoman, your health, all the things?

Well, first of all, I think balance is bullshit. I mean, I think you just manage it, I guess, is more what I would say. I mean, I don't think I do it well most times, if that's honest. I do wake up at 4 or 5:45 every day to work out. Though I do win there.

That's good.

And primarily because the guide comes to my house and knocks on my door.

If he didn't, would that happen?

No. And that's why he comes to my house and knocks on my door. But there are some things that I do that I feel like are really critical with my relationship with my kids. So, like I have a mommy daughter journal where like, you know, I draw Pictures from my 4 year old, I write notes to my 7 year old. You know, that stuff for me I think is really critical because then they write back and they draw back and it's like your own secret thing. I try to do like a weekly date with each of them. My son is really young, he's only one, so he doesn't participate in this as much. And Skylar and I have, you know, made it a habit of doing morning dates. The last two weeks have been a little bit chaotic because our childcare has been a little bit chaotic. But normally we'll go for like a morning date because that's a lot more doable than trying to go on a date night. Like, I'm normally too exhausted or too tired, but I wouldn't like, I don't know that I'm like.

The spokesperson for having work life balance. Do you know what I mean? Like, I definitely work too much and I definitely would say that, you know, my kids will probably complain about that in therapy later on.

You know, I do.

I mean, yeah, I get it.

I'm doing better than I had and they'll do better than what I gave them, you know.

So how do you overcome any kind of feelings that. Because I know there's a lot of like mom and dad guilt out there. Like when you're here, you feel guilty that you're not there. When you're here, you feel guilty that you're not like on the phone. Like, what is your best way, at least in real time today, that you kind of move through that.

So this might sound obnoxious and it could be, but it's the thing that like, truly gets me through I just think that I don't know anybody else who cares as much as I do about teaching people about finance, about creating a business that empowers people that maybe wouldn't ever have this opportunity before. And I also don't know what role models my kids are going to be looking at. Right. And so for me, I feel like it's this obligation to make the world a better place. And like, as much as I would love to be the PTA president, I believe that this is more where it's at for me. Like, I, like, I never had any strong, powerful female figures in my life to look at when it came to money, when it came to investing. I mean, I don't want to knock her because I like, love that she became famous, but Suze Orman was literally it. And like, she just yelled at people for wanting to purchase things. And like, that's not what I'm about. Like, I just want to teach people about practical things. I want to show my kids that you can build a business. I mean, every single person that works for me has come from adversity. I mean, and they're getting like all of this same education. And like, it's funny, like, one of my assistants said to me the other day that she has saved more money in her entire life working here than she had ever before she got here. And so for me, that's what gets me through it. Maybe that's I'm full of myself or I'm not, but it's just like my, my pure belief that if I don't do it, I don't know who else will.

I love your answer so much I have goosebumps all over. It is not obnoxious. And I think there's a lot of the mom shaming that goes along. And when you and I have talked about it, you know, where you live and everything, like the mom shame kind of bullshit, like if you're not the PTA mom or the one on the chaperoning, the field trips, which, you know, for some women, and I'm not knocking that either, that is their biggest impact and it's a big impact. But your gifts are your gifts and my gifts are my gifts as well. And I agree with you with so much love and respect that whatever gifts we were given, whether it was through adversity or just the God given ones we've got, it is our responsibility to make the world a better place. And if your gifts are exact. And you know what? I agree with you 100%. Like, you are it. You are the person that should be talking about this. And I think it's beautiful that your kids do see that. And because you married the right person too, you do have that balance. Like they have a great role model at home too and a great role model with you. And like they do have the full package. And I think that that is beautiful, self honoring that. And it's not bullshit and it's not you just justifying it or whatever. I hope you know that. Like it's seriously the truth. And, and I believe that whatever you are here to do to make the biggest impact in this world, to make it better, do it. Even if you have 10 kids. And let them see that. Let them see that. Of course, you know, do things. I love the, the mommy journal and the daughter journal. Like she'll never forget that. Those special things she'll never ever forget. Even if mom was losing her shit on her, like, she will remember that. I love that. So I know that, you know, most of the people listening right now have heard of the Susie Orman and again, we're not knocking her anything like that. But I know that people want to learn from you. And I follow her on Instagram for her little videos, her YouTube, all the things, right? Where can people learn from you? Use some of your resources that are so valuable. I mean, when she listened to those loan officers when she was the receptionist and their scripts, like she's like, well, that shit's not working. I mean, I know you've written a whole program on sales and everything, so how can people learn from you?

So if you were interested in the sales tips. I actually just launched a coaching program this year called Overnight Success. I share a bunch of tips on Facebook, LinkedIn, you know, Instagram. And then there's a whole like 13 week program that goes with it with a prospecting journal. And so I do a lot of sales skills and training and it's for anybody in sales. So I mean the following that I typically have is in real estate, but I mean I have attorneys in that group. I have a personal trainers, I have an event planner. I mean, so honestly, I feel like this program works great for network marketing. If you're interested in learning about money itself, you can find me at Lizzie irvine on Instagram, izzyhofer.com or on YouTube. But I have like tons of weekly money tips. I have a newsletter. I mean, I try to make this information as available as possible just because I really believe that people need it.

She is hands down, like, I will stop dead in my tracks and watch her videos. Because they're so valuable. And she's so just like, honest and real and just straight shooting, no bullshit. And I know that in the world we live in today, there's so much fluff. And my good friend Lizzie is the real stuff. No fluff. I love you. Thank you so much for all your wisdom, your friendship, your love, your real, like, everything. I just. I adore you.

Oh, same girl. I appreciate it. And I hope I brought value today.

You were glad.

I feel the same about you, honey.

You guys all go to overnight success guide dot com. Go fill it out, do the things with her. Like, I need to be in your little program too. I need some help. So I'm probably gonna be calling you too, because I need little Lizzie in my head all day long. And as far as value, girl, you slayed it. So thank you so much, you guys. And if you found so much value from this, I want you to screenshot this right now. Let us know what money tips you need, what money questions you have, anything around money, finances, mommy balancing, whatever. Just tag us, tag me. We will answer your questions. And Lizzie, I just love you so much.

Oh, girl. Same here.

Thank you for tuning in to the Becoming Bulletproof podcast. If you learned a thing or two from our show today, it would mean a lot to me if you shared it and tagged me so I can hear exactly what landed on your heart. This will help me to to bring you even more episodes with the topics and guests you want. Please head over to itunes and leave an honest and loving five star review. If this made an impact on you, you can find me on Instagram tracyomalley and I have tons of free resources for you@tracyomalley.com as always, if you are wanting to ignite your purpose, profits and build your legacy, it's time to stand on the front line of your life and do the work. Let's become Bulletproof.