How to create 5 streams of income so you're not a slave to your job with Donya Monroe

You are listening to episode number 43.

If you're someone who wants to make major changes in their life, someone who wants to achieve their goals, or maybe you're someone who knows this is not as good as it gets but you have no idea where to start, on the Reinvent You podcast, we explore different types of people, their successes and failures, and how they reinvented themselves to create the life they love. It's our hope that from hearing their stories, that you too may have more insight into what it takes to build a life that you envision for yourself. Here to help you do that is performance and life coach Travia Steward.

You guys, happy Thursday. I feel like I'm sort of like floating right now. I just finished my conversation. My recording with, with Donia. And Donia is a financial advisor that I was introduced to through my friend Vicki. And, you know, Vicki always says, you know, we good people, we only know good people and keep good people around us. And it's so true. And as I reflect on the conversation that I just had, you know, I feel so inspired and so motivated to challenge myself even further. You know, like, you know, Donja did that financial exercise, you know, what, which you're gonna wanna stick around for, because it was so eye-opening, but I've never claimed to be a know-it-all or to be someone who is immune to these things. But because of my, you know, we got into talking about my programming and conditioning and just all of our conditioning and programming. And during that exercise, that Donya just made click for me that made it, you know, so easy to be able to understand and comprehend it on a financial level. I, you know, she asked me about how much money, just for a hypothetical example, I wanted to make a month. So I said $20,000, right? A month. Well then immediately in less than like 30 seconds, I took that down. Oh, okay. Let's go to $10,000 because so many times myself included, we put limits on ourselves. We put limits because sometimes that's conditioning programming, because we can't see how we can make that happen. And the reason why I'm so inspired is that Donya is an example of someone who made those things happen, who still strives to make more of those things happen in her life, you know, and, and reflecting on that conversation, I say all the time that you're the average of the 5 people you spend the most time with. I want to put it out there. You know, we talked about manifesting these things. Donya Munro is someone that I want to be the average of the 5 people I spend the most time with, because I feel so full right now from our conversation, because we were able to talk about some things that at such a level in that conversation that I don't normally have with people. I love that she's always seeking to grow, seeking to evolve, seeking to challenge herself. And even as she dreamt as a 12-year-old girl who had all these dreams, you know, and she's achieved a lot of things in her life, you know, she has her own business, she's owned a jazz club. I mean, she's done all these things, But she's still always looking to improve and go a notch higher, you know, because we all want to think and know that before we close our eyes, before we leave this earth, that we've done all that we came here to do. So I just wanted to share with you my conversation with Donya, and it was— again, it's just got me so full, but in a great way. So thank you for that, Donya. All right, let's get into it. My guest today is the CEO and founder of MWA Wealth Management and Investment Advisory Group, and on today's show we are going to discuss things like growth and learning, how you can reinvent yourself, how you can grow on the job using the expertise and the skills that you're learning, and you can actually get paid to learn. And then Donya also shares her knowledge on the next stage with retirement, reinventing yourself. You know, we talked about so many more things, and I want you to make sure you have a pen and paper ready to go because Donya is laying out some nuggets of information that from a financial standpoint you are going to want to remember these things. Ladies and gentlemen, my guest today is none other than financial advisor Donya Monroe. Donya, welcome to the Reinvent You podcast. I'm stoked that you're here today. I know we've never had this, this, this financial conversation, but I'm so excited about the direction that we can possibly take it for the people who are listening to this episode. So welcome to the Reinvent You podcast.

Thank you, Trey. I'm so excited to be here. This is, uh, my first, and so, uh, you know, be gentle with me.

Okay, I'll take it easy. I won't, I won't ask about your unborn child.

Oh yeah, yeah, please. Yeah, let's leave that one alone.

We'll leave that alone. Good. So before we dive into the, the, the nuts and bolts of it, you know, the, the gravy of it, give our listeners some context as to who Donya is, how does she show up in the world, those types of things.

Wow, that's a good question. Um, I think honestly I'm probably still trying to figure that out, but that's, that's the beauty of it is that I really recognize that, um, I'm a whole bunch of things. I'm an athlete, I'm a daughter, I'm a sister, I'm an aunt, I'm a wife, partner, significant other, whatever word you want to use. Um, friend. But I'm also a serious person. I'm also a person who's interested in getting better, doing better every day. So there's a lot to that. I mean, I guess I'm a whole bunch of things. So yeah, I guess you'll get to know me better as we do this. I don't know.

Absolutely.

That's a hard question. I'll have to think about that. I feel like that's a Bravo question, you know, give your whole definition of who you are in one sentence. I wouldn't even know what that would be.

Right.

What would you call yourself?

You know, I give the quick version, but see, I ask it a little differently because it's like, you know, who, how do you show up in the world? And so that's a little different because I can easily go, like, you could have just said, oh, I'm a financial advisor. I'm the CEO and founder of this company. But that's not what I asked. You know, I was like, how do you show up? So yeah, it's a, it's a multifaceted answer that you could provide. So I love that.

Yeah, it's a lot of things. And I think being a financial advisor is a result of being all those people because you have to— I mean, at the end of the day, all these people say, oh, I manage money. You don't manage— you don't really manage money as much as you're managing people and helping them get their dreams happening in their lives, even before they even know they have their dreams. That's sometimes the tricky part.

Okay, you know, let's dive right into that. So Whenever I think of— I mean, I'm just going to be real here— whenever I think of people in the financial industry, I think of like white men.

Oh, you know, please don't even start. Um, so yes, I, uh, started my career in the particular field of, uh, the financial advisory investment world at Merrill Lynch. Pretty sure everybody's heard of that company. And that is a white male company. It is. It's, it's much better today than it was 20 years ago when I worked there. But it still predominantly is a company that is run by that perspective, I guess, for lack of a better word. And it was a great place for me to work because I learned a lot of things. And I learned a lot of things about people's perceptions. Just like yours, that I— it really sometimes, oftentimes didn't matter how much I knew or my knowledge, as much as it was about the perception that the client would have about me and my knowledge. What does that, what does that really mean? Well, sometimes you can get to work a little harder, man, we've heard that before, but it's just factual knowledge. But that's okay. I think that works to my advantage, because I ended up being the training director at Merrill Lynch after I graduated out of our program, which no other African American had done in the state of Nevada prior to me. That's ridiculous. That's ridiculous. That's ridiculous. That, you know, it took— was 1999, something, 2000, something like that for that to happen. And so I recognize there's— there needs to be first, but not in the 21st century, I don't think. Right. And we're having lots of them. So yeah, it's, um, you're right. And but I overcame that. And what happened was, is that once people, the word gets out, and that your business is built on referrals, and, you know, here you go. And the funny thing is, I don't have a lot of African American clients. They're not the majority of my clients. Older white people are, older white people are, huh?

Right, exactly. So older white— why is that? What's your best guess as to why you don't have more African American clients?

Because of what you said, how you started this conversation. I don't imagine a financial advisor looking like me, sounding like me, being me. And until we can change that by one, having more people that look like us act like us, talk like us, walk like us, in those positions. So as people are being raised and children are being raised, they can see their potential, right? And, and that's where we lack. And once we can overcome that, then guess what? Then you'll see in your mind me. When you look at me, you know what I get? Well, you know what I get when I— when people look at me and say, how do you come to the world? I usually get, depending on what's going on, during 9/11, I got— I was an air marshal. People thought, okay, yeah, security, security, some sort of security, some sort of FBI, CIA, somebody that was, you know, and that's interesting because I don't— that's so how I, how I am seen by the world really sometimes doesn't have any— I don't have any control over that.

Of course you don't.

You know, all I can do is be me. And that's the part that took a lifetime for me to figure out. That I think is critical in anything that you do is recognizing that you are who you are, but how other people perceive you is out of your control. It's so true. You say it is, but I put on a dress or look like this or put, you know, comb my hair this way or put nail polish on or wear these shoes that I'll be— no, no, not necessarily, because it's a whole bunch of things. It's how you believe, think of yourself.

Yeah. And you know, when you bring that up, it took me almost 50 years of my life to let that roll off my back. Right.

I know what you're talking about. I mean, I know exactly what you're talking about. Absolutely. Whether the audience knows what we're talking about, that'll be based on where they're coming from. But yes, it takes a long— and once you do that, don't you feel freer?

Oh, absolutely.

Don't you feel freer? Then once you are freer, then you walk freer, and you—

100%.

And but it— but that is a journey to get there. I was, I was probably 50 years old before I could truly, yeah, get it, like, yeah, embrace it. Because intellectually, you know, hey, don't— you know, but emotionally is the— is it always the challenge?

Absolutely. Like, see, this is where I want to live, like this conversation that we're having, because perspective, you know, people would put us both in probably the same box and go, what? They're talking about philosophical things? What? Finances, life, having a metamorphosis? And I want to have more conversations like that because I feel such— my goodness, I feel such like we're still playing catch-up. We're still trying to claw and grab our way through. And it took me, again, almost 50 years to get to a point of where it's like, you know what? We can go further faster. So today, yeah, I want to go further faster.

Yeah, we, we are just learning that we are equipped for this. We are smart, we are strong, we catch on quickly, we learn quickly, we retain information, have a capacity to understand suffering and move through it. We have all of these skill sets that I think we as a culture really are starting, just starting to embrace and use. And look at the things that we've already accomplished. You know, we've had a Black president.

Yeah.

If you understand our history, I'm talking about the history in our lifetimes, our very short lifetimes.

Yeah.

Where it is, where we have come, it is, it's amazing. And so I think the speed is being even increased more because of the age of technology and the internet and the transference of knowledge and information. Being careful, once we get to know how good we are, it's going to be amazing. It's going to be amazing.

I love that.

And, you know, and I believe that.

Yeah, 100%, 100%. So, Don, someone like you, because you played basketball for UNLV, correct?

I did, I did.

So when you're a student there, what is it that makes someone like you want to go into financing?

Well, this is a, you know, I told you I'm a storyteller and I mean, I'm going to, I'm going to tell you the truth. And it's so that everybody understands your journey is that. Yeah. So coming out of high school, I was just, it's all basketball. It's just basketball. The whole world was spinning around basketball. And so that's kind of where your life is when you enter, and it's very competitive, and it's highly intense. And, you know, as a freshman, the workouts and the training is intense. And I'll tell you, at the end of my freshman year, I was doing so poorly in school that I had to kind of get myself together and make a decision about this, whether I was going to be a basketball player or whether I was going to be a student and a basketball player. But I needed to make that decision. It was at the end of my freshman year when I was literally embarrassed by my grades. Now, my parents lived out of the country my entire college career. So I didn't get to go home or call them or any of that stuff. It's when phone calls, you remember, were $10 a minute or some crazy, right? So, so I had to kind of grow up quickly in the college experience. And when I figured out that it was time for me to, to get an education, and it was really the summer of my sophomore year when I made the figured out the game. We'll talk a little bit. I think we should talk a little bit about the game, which means I figured out, uh, I could do— take 5 weeks of courses, what they call mini sessions, and I caught up that way. But before I did that, I sat with my counselor and I said, hey, these classes I've been supposed to be taking, the ones I've taken, what are they closest to? What degree are they closest to? Because I was just taking classes that I liked. Oh, that sounds cool. Okay, okay, that sounds neat. I would like to learn about that, whatever. I was, you know, school is free. You're not thinking about cost. You're not thinking about anything. I was like, it was like à la carte shopping. And I was just taking things that were interesting to me. That's it. Yeah. No degree in mind, just taking things that are interesting. And so she went through the things that I had taken. And she said, you're closest to a degree in finance. That's what, that's, that's what it's gonna be then. Okay, put me on the track, tell me what I need to finish taking so I can get that degree. And that's how I got my degree in finance.

Honestly, that is so incredible.

I struggled. And you know what part I didn't know about is there was math classes I had to take. And, uh, I had avoided those up to that point. And I'll tell you, it was the, it was a struggle to this day. I mean, struggle, struggle, struggle. And to this day, I could teach those classes. Now math is easy for me. It is somehow transformed my life. When I started working, I got it. The light bulb went off, but in college I couldn't grasp it. So that's how I got to decide to get a degree in finance.

I think that's incredible. That's wow. That, because you went based on the avenue, that's the direction that we want most people to go in, but we don't. When you go to college, just like this, here's my major. And you force yourself to stay in that box and fit that, that, that path, whether you like it or not.

I think we, I think we pick backwards. I think we pick backwards. I think we should experience then pick. Not pick, then try to fit. Yeah, because what if you're, what if you're wrong? I mean, what are the odds that we're wrong in the major that we want in college? Well, they're probably like 75% average that you're going to be wrong, right? Very few people go to college and pick the degree that they actually want to, they love and are going to want to do a career. Yeah, most of us pick, pick a one that someone has said we should have. There's probably more accounting degrees out there or or liberal art. I mean, you know, I don't know, but I think you should experience, which means there should be a period of a year and a half or some period where you get to take classes based on your interests. And then that's what you should be doing.

Yeah.

I love that. That's what you should be doing, you know, but I got lucky. Okay.

Okay. What do you think is the biggest lesson that basketball, being a college, a D1 athlete taught you that transferred to your life?

Um, it's all— this is going to sound super corny, but it's true. I think teamwork, uh, you know, I think it's— it is an asset to know how to work with other people that you may not like. Oh yeah, that's big. Can you imagine having to learn how to successfully reach a goal, win a game, whatever, finish a task, you know, create a program, um, with people you don't like? And then what happens is you learn to embrace the things that you think you don't like about a person. They become— things become the best things. I mean, there are people that I thought I didn't like when I was in college that are my closest friends today. Yeah, because I was forced to get to know them. 4 years with a person, you're forced to get to know them. When you— or when you get to know somebody, you find that there's probably more things that you have in common than are different. But you don't usually learn those until you go through something difficult together. And so that's what sports has taught me, is that there's value in teamwork, there's value in working with people that you don't necessarily agree with or have similarities. There's value in that.

Right.

And I think that's helpful. It really is. Because I think people struggle with that a lot today.

Yeah. Coming through that period in your life, you know, you're the first African-American to graduate from the Merrill Lynch Why don't you, like, when did the idea spark that I'm going to start my own company? Because I have that drive. Because again, separating, you know, one of the reasons why I wanted to have you on the show is because setting that high standard of starting your own business, because so many times, like myself, you know, I just worked for someone else and yeah, I had dreams and thoughts that I could do something else. But never really realistically believed that. Now I am— I poured into these students that I taught for 24 years. They could really shoot for the moon and land among the stars. I don't know if I ever really thought that about myself until about 10 years ago.

Yeah. Well, you know, I was very blessed in that I had and have two wonderful parents that were very high achievers. And so I lived in a world where this level of high achievement was, was just the norm. Got it. Everybody graduated from college. It was like graduating from high school, graduating from college. It wasn't— it's not an option. It's just what you did. Right. We all kind of had to try to figure out a way to make that happen. Because they didn't really care how or where you just sort of graduate.

Right, right.

And move towards the most that you could achieve. We really believed, and I still believe to this day, and my wife laughs at that, she thinks it's the most ridiculous thing, that I can do anything. I believe that. Yeah, I believe I can do anything. Those are my parents, because there was no limitations. Now, reality, intellectually, I know there are things that I cannot do, but it doesn't matter. That doesn't matter. All I need to do is believe that I can. Absolutely. For things way beyond what I should be, right? Because I've already been pre-programmed that I can do it. Boom! It's talking my language. It's programming. And if we program our kids to achieve, guess what? They will. If we program them to like, you'll never be more than this, guess what? They will, you know. And it's programming. And what has happened to us as we get older is you start to live your life outside of your parents' life and you start to get reprogrammed by what you experience in your life. Absolutely. And what you're espousing to your students. And then you say, hey, wait a minute. Yeah, wait a second. What— where exactly— why are my limitations here? You have none. And then boom, just like I said earlier, once we realize, yeah, we can, we do. That's incredible.

Yeah.

I just have always— my personality is that I'm always looking for a way. I just always looking for a way, a way to do whatever, or just a way. And it usually requires that I've got to get some more information or learn some more things or go to school. And what people don't realize is Merrill Lynch, that's what it was for me. Just another education.

Yeah.

I started out of college actually in lending. In working for a finance company. And I learned about real estate lending and bought small— I was— I knew everything about loans that you'd ever want to know. And I, at that point, once I learned everything I could about lending, I said, you know what, I'm gonna go out and start my own company and show these other corporations that are out there in retail or whatever how they can use lending to increase their business.

Boom.

And so that turned into something, and I got another job doing another thing, and I taught a company large company out here how to start use financing and increase the volume of their business, like, you know, over 50%.

Right.

And then that's when Merrill Lynch came into the picture. I don't know if they found me. And so it just— and I had no interest in working at Merrill Lynch. But again, I approached it as another opportunity to learn something else. Yeah, more, you know, and so I just went to learn. And then once I learned what I thought all I needed to know, because I learned the game and how it worked, Yeah. I figured out how I could go do this myself. And then, you know, and then 25, 27 years later, here you are. I'm just keep, I'm just keep searching for the next thing. And that's what I'm doing now. And then you have to learn something before you. So yeah.

So do you think that's the same seed that your parents planted or where you are in your life right now? Do you have a tribe who inspires you, motivates you, makes you challenge yourself? You know, Or is that that same seed that your parents planted?

It's both. It's the same seed that my parents planted. Now, understand, it's a seed that's planted, but every flower will bloom a different way. Mine is very entrepreneurial, and my brother's was more like, like more, what's the word, traditional, in that he worked for large companies, did very well. As you can see, he's a, you know, he's a great journalist. Right. And did lots of great things, but his was more less entrepreneurial, uh, and more traditional. And but success again, you know, it's just about doing the best in your lane. Yeah, I always felt like me and my personality and my— the way my authenticity is the word I use, um, being an entrepreneurial lended itself better to me. Got it. More freedoms to do than being— okay.

Is that your word for 2021? Authenticity?

I think it's my word for— I'm going to count back 5 years, you know, 2018. Yeah, yeah. I've been trying to— that's been— look, if, if I have to, if I have to anymore be something so someone else feels better. I don't want to do it. Yeah. I mean, that's where I am. And if my being me has to be altered so I can be somewhere else or do talk to something, I don't want to do it. That's just it. I've done it. You've done it. We've all done it.

We've all done it.

Because we had to. And I have learned as a result of that philosophy that you can still do the things you want to do and be around. You just— your audience is different. And that's a good—

absolutely.

Yeah, good thing, you know. So the village, to your question, is the seed that my family planted, but it's also my family. Just those— that's my village. I have— I'm very close to my family. I'm very close to my cousins. We're like brothers and sisters. Yeah, my wife is obviously an an extremely instrumental part in lots of things that I do. Yeah, literally and emotionally and figuratively. But she's a great influence. She's a smart, strong woman. And I, I just really am blessed to have people around me that care about me. But I think that's because I've made a shift. I really don't want people around me that don't get me. Yeah, it's hard though, if there's consequences to that philosophy.

There are. Okay. So you don't want people around you who don't get you. What about having people around you who bring out a— and they get you, but they're not the person who inspires you. They're not the person who gives you anything, but out of obligation, you, right? You still hang out. You see these people.

Well, okay. So when I say I don't want to be around people who get me, that's, that's really a probably too narrow of a statement, because that's really not true. Because I recognize that my relationships with people, as all of ours, but I recognize it, are transformational. So you may start one place when you begin a friendship with someone, right? And then it moves as the friendship evolves. And So it's not that someone needs to get me, they need to be willing to see me, they need to be willing to— I don't see— we judge too much before, you know, it's how when you're at a social event, networking, you know, back in the days when we could actually be in the same room with each other, you know, when we go to events, the first thing people ask you is, so what do you do? It's like, really? So that's going to be the determinant of who I am, what I do for a living.

Yes.

And that's where people start. What you do for a living is who you are. And I just think that's a bad place to start.

Right. But most people don't know where to start because like I, I work— one of my big things that I do with coaching is I help people communicate better. And that is the— we never talk about that. I was like, the first time you go up to someone, notice something about that person that you can comment on. Be interested in them, not on what they do, but, hey, I noticed that you have a pink shirt on with a tree branch on the back. You know, what is that? That's gotta be meaningful for you at this part, whatever it is. But it's, it's being curious in a very authentic way, rather than following that script of what do you do?

Right. Yeah. And, you know, being an Army brat and my father, to give you his excellence, cause he was excellent and remains excellent. Is a retired Black— father's Black— 2-star general in the Army. Wow. You know, Major General in the Army. Yeah. He got his first star when there's probably less than 20 Black generals in the entire military arena. And so there's a certain way in which I was raised, as you probably can imagine. But we had to learn how to adapt quickly because my life changed every 3 years. We moved every few years. I moved 13 times before I graduated graduated from high school. And so you learn how to quickly connect with a person. I can do it in 30 seconds. People don't listen though, and I can connect with someone in 30 seconds, just if you just pay attention.

Absolutely.

And it could be the thing that you're— you start the conversation could be about the event that you're at. You know, why are you at the diabetes convention? Are you— I was gonna say, how do you know the host? Right. Or, I mean, it's just so simple, but we make it hard because we are trained. We're trained, trained, trained. We're programmed. And I think we need to become unprogrammed and go back to our core self. Go back to— don't do what society has told us that we should do and how we should move. Move how you move. And the problem is, is to unthink that, we're going to have to learn how to be ourselves again. And I think this pandemic has helped some folks do that. But I think we should spend more energy on trying to figure out who we and how we best operate. And I think that authenticity will lead us to some great accomplishments. I really do.

I love that. See, I love this conversation. I know we're supposed to be talking finances here, but here we are talking about programming, you know? And so I love that, like, oh my goodness, you're just speaking my language. I just did a 10-minute talk on, you know, basically it's how you're programming, it's your conditioning, it's your environment. And the story that I tell is a very true story is for most of my life, I've been afraid of the water. Now I never had a traumatic experience or anything, but my mom wasn't comfortable in the water. She didn't go in the water. They believed that things were in the water that were going to eat you and bite you and kill you kind of thing. You know, don't— you can get that bathtub or you can walk in from the beach, but like 4 feet, you know, that kind of thing. And I had this fear. I mean, I could swim because I took like 2 months of swimming lessons when I was like in middle school. From one side of the pool to the next, but it was a panic stroke every time, you know. And so I realized it wasn't until I was like 40 where I was like, holy shit, I've got this fear. It's the programming. So I had to go back and unravel. And it's part of the work that I do with clients is like, no, no, it's conditioning, it's programming. How can we open up that box so that you're not— you're no longer limiting yourself?

Well, it's just about the people you're around. I mean, we grew up, you know, what you just talked about in terms of swimming, that's a cultural thing. It is something that we as a culture have been led to believe is that Black people can't swim. Yep. I mean, so if you, if you're taught that, then why would you not believe that?

Yeah. Yeah.

And until you see that, until you come upon something that says that differently, You know what I mean? It says something differently. So that somewhere in your life at 40 or whatever the age was, something happened in your life when you thought, well, wait a minute. Yeah. Maybe I can swim. And you tried and you could.

Yeah.

And that's the thing. It's just about, and I always say it's about your experiences. If you stay in your same box your whole life, how are you gonna be different?

That's what I'm talking about. Because I didn't want to learn to be more comfortable in the water until I started traveling. You know, and I don't want to, you know, but I started trying, you know, my wife is white. And so who, when she was in second grade, this is how comfortable she is with water. When she was in second grade, her parents went to like some hotel for the week somewhere. And she jumped from the second balcony of the hotel room into the swimming pool.

We don't do that. We don't do that. I'll just say, we don't do that. I don't care how much conditioning exists. We don't do that, but God bless her.

Right.

But that's how much she loved the water and was so comfortable. Yeah. You know, so I'm like, and so having that influence in my life, you know, beautiful, it is beautiful, it is.

And that matters, that matters. Yeah. And if you can get kids experiencing different things, the earlier, different people, different things, different foods, different cultures, different—

yes.

And to the point where they think it's normal, then imagine what they'll do as adults. But oftentimes we are so sometimes protected because our parents really are— they, they care. It's about love. And so sometimes the restrictions are not because you just don't— it's love-based because it's their upbringing there. And I mean, you could go back far enough to under— why— understand why we are who we are. You know, we are trauma-based culture. Yeah, we come from trauma. And so we— our parents and our grandparents have done their best to protect us, and we still have that in us. And, uh, but like I said, information is faster now and things are quicker now, and yeah, transformations are happening a lot at a faster pace. So we got to catch up, we got to understand that we, we don't have those restrictions as well, you know.

Absolutely. So you mentioned that, you know, you love to keep growing and evolving, you know, and the joy of learning. How do you maintain that joy? And like, what is it that you do like, you know, like professional development. How do you keep up-leveling your skills in order to keep growing like that flower?

Sure. Well, you know, professionally you've gotta read. I'm a believer. You have to read, you have to study. Mm-hmm. Um, I, I'm a person who takes classes, you know, for, for just the purpose of— I, I'm taking coding classes right now. I'm learning to code right now.

Go ahead.

I'm not trying to get a job in coding, right? But I would like to understand it.

Okay.

Because, you know, people talk that language, but I just had a base knowledge of it. So I'm taking coding classes right now. Just because, just because I'm interested in what people talk about. And I'd like to understand what really coding is all about.

Right.

And it's been fascinating. Um, I can tell I'm an older coder cause I'm slower, but now I have an understanding. And when people talk about it and talk about HTML and different, different languages and how one does what, it makes sense. And it, and also You know, you got to learn a little bit before you start doing something. You know, ever had a repairman come in a little nervous because you don't know anything about what they're about to do? Yes. Like, you can take me, you could do it. You know, I have no knowledge. I can't say yes or no because I have no knowledge, right? I kind of see that as life. You just don't want to go into it without any understanding. So I do webinars in my field. We have continuing education that is required for my insurance, the insurance license. That I have. And, and so you're continuing and things change, so you need to keep up with it. But I think reading and taking classes, I think, I mean, there's so many free classes online for— there's so much free knowledge online. Yeah. YouTube University is a wonderful place, I call it. And that's, that's what I do. And talk to people like you. I learned from talking to people.

Absolutely. Yeah. Oh, I love that. So in your work with your clients, You know, if I— why would I need someone like you?

Absolutely. So, uh, my, my career, my job has evolved as my career has evolved in terms of the areas of expertise that I spend a lot of time on. You know, when I started at Merrill Lynch, um, I came to it with the lending background, as of course you know, and that helped in Merrill Lynch because they do lending as well. But I also learned a lot of the parts of the job from asset management picking stocks, picking mutual funds, um, to— that's money management, that's the wealth management, money management part— to leveraging and insurance and using insurance as leverage, to fixed income and bonds and municipalities, to ETFs, exchange-traded funds, ADRs, warrants, all different types of equity investments. Everything from lending, looking at liabilities and assets. What does it make more sense to finance something or to buy it cash or do a mix. What assets are important? The, the 10 parts of a balanced portfolio. I mean, there's so much to know. But at the end of the day, what I end up really using as an area that I spend a lot of time is retirement. So if you're a person that intends to retire at some point in your life, that's where my expertise is. And that happened kind of naturally. One of my first largest clients was someone who had a lot of money and was about to retire. And so I had to learn how to take a lump sum of money and make it last for their entire retirement. Okay. So that's tricky because people are different. Some people like to spend money, some people— people who don't want to spend money in retirement, they're easy, obviously. Most people want to travel and have a good time. So I had to learn a lot of different things about how to structure people's assets so that they can live on them for the rest of their life and how to set them up and make them understand how you need to accumulate assets so that you have enough to live on for the rest of your life. And so that's really my focus right now is people going into retirement, about to retire, and showing them how to retire. Perfect. Using that lump sum of money that they should have saved. Okay. And use it for the rest of their life. I know you got a question on that one.

I do, I do.

That's easy.

Yeah. So let's say you have someone graduating from college, you have someone who's like 35 and someone who's like 50. What's the best advice for those people financially so that they set themselves up for success?

Right. And that's a great question. First of all, uh, there's, you never, ever, ever, ever can start saving early enough, man. You've heard that a million times. I have. When you're kids, but it's hard to put into actual practice unless you understand the why, why, why is that important? You know what I'm saying? Why does that make sense? And so what you have to do with, with kids or even adults is show them that, all right, if you could have any amount of income right now, just any amount, what would— just give me a number per month that you would receive.

$20,000.

Okay, $20,000 a month. All right. So if I show you how to, how to create, uh, $20,000 a month of income? I mean, show you how— what it costs to generate $20,000 a month in income. Won't that give you a focal point that you'll maybe understand and get you some— so let me give you some. Do you have a calculator near you anywhere?

I do, on my phone.

Okay, on your phone. All right, so, so let's do— let's figure out how much we can get and what we need to do to get $20,000 a month without you having to get up out of your chair Okay. Go to work.

Should we do a more realistic number for people?

You can do— you can give me any number you want.

All right. Let's, let's do more realistic. Like let's say $10,000.

Okay. But $20,000, I don't understand why $20,000 isn't—

see, because again, yeah, yeah, no, no, let's stay with $20,000. See, I love that.

Stay with $20,000 because $10,000, I mean, you just put a restriction on yourself. I don't know why, but you did it. Absolutely.

$20,000 it is.

$20,000. $20,000 in your calculator. Got it. And then you want to do that per month. So let's multiply that times 12 months, right? Yep. Times 12. So that's— say it out loud.

That's $240,000.

$240,000 a year. Yep. Okay. So here's the thing. We have to have a pot of money sitting out there that every month, every year can give you $240,000.

Mm-hmm.

Which turns out to every month $20,000. So how much money do we have to have sitting out there to get that lump sum of money? And that lump sum of money has got to stay that way because it's got to pay that every year. Does that make sense?

Absolutely.

Okay. So what we're looking at is something that we could just take interest off of to generate $240,000 a year in interest. I mean, income without keeping— and keeping that amount sitting there. Okay. So here's the part of being a financial advisor that you don't know, but I'll give it to you. And once you know it, you know it, you never can take it away. Okay. 4% is the amount of money historically— it's a very conservative amount that financial advisors will use to create income streams. And the reason they use 4%— and there's economists out there, there's lots of studies, and Milton Friedman, and all these are the classes I actually took. That say why 4% is a reasonable distribution amount. Currently, the argument is that it should be higher, but I'm going to use the most conservative because I want to try to make that dream come true, right? So let's see what amount of money we could take 4% off of to get $240,000 a year. So now here's the math part that comes in, and once you learn it, you know it. Okay, you take your $240,000, you hit the divide by And you type in 0.04, which is 4%, divide by 0.04 equals— what's that number?

Did I do it right? It's $6 million.

It's $6 million. That's it. If you can get $6 million in a pot somewhere between now and when you want to start taking that $20,000. Yeah. Now here's the thing. What if you make more than 4% a year on your money, which you can, you know, we can make 20, have a 20% year or 30% year and so on and so forth. Well, you just pile on that $6 million. You could potentially be giving yourself a raise. It'll— yeah, I'm saying 4%. Got it. Now I just gave you a financial seminar. Simple, simple. If I say to you, Great. I can, we can do $200,000 a year. All we need is $6 million. Now let's go get it.

Okay. And then how do you help me leverage my skills that I'm learning to go get it?

Okay. So now we're taking it to a whole nother level. Now this is really, this is your field actually. Now this is trying to figure out what, who, who they are or what's their, what's their best. How do they enjoy making money? And also showing them about whatever job you're in right now, take advantage of any retirement opportunities you might have. What I mean by that is 401s and 403s. Women are notorious for the worst contributors to 401s or retirement accounts of their jobs. Why? Because they always think, I'm not going to stay at this job for a very long time. This is a temporary job until I have my kid. And then before you know it, you're the CEO of the company and they've been there 35 years. And so they don't contribute in a meaningful way early on the first day of employment. And if they did, they would easily have these $6 million numbers again, right? Assuming that their income— and because, you know, you want to— I always say you max out your contribution when you're not making any money, you're broke anyway. So you get, so you get used to that large contribution, right? Which is paying yourself. It's not like you're paying a bill. I mean, I guess it is paying a bill. The bill is you though. Right.

Paying yourself first.

Yeah. And I would rather— man, this sounds terrible, but you know, I'd rather miss a latte at Starbucks or sushi night out with friends to pay myself for my future.

Absolutely.

And that's what you're giving up.

Yeah.

You know? Right. And it's— but again, it's about perspective. We give our children this knowledge early that you can do whatever. $20,000 is not as incredibly crazy as you thought. But so then that's one thing, retirement accounts. Make sure you're working hard and you're getting yourself in positions of learning more and getting raises. In my situation at working at Merrill Lynch, I'll just say it so you would make— and I'm just going to give you a number, they're real numbers that you understand. Whatever business you generated, you could— you got 30% of that business. Merrill Lynch got 70% of the business. It's just the way it worked. Yeah. And if you think about it, it's their building, they're paying rent and utilities. You have a nice office. Great business card. I mean, that's, that's how it works. I'm not mad at them, but that's how it worked. Now, once I learned that if I found independent and I took care of the location, the business card, the, you know, fancy this or that, did everything like that, then I could get 85% of the business and I could only pay— I only need to pay 15% out for support. Yeah. Once I learned that, I'm doing the same business, but now I take 85% of it It's leveraging, leveraging my knowledge.

Yeah.

Leveraging what I learned. Leveraging.

So what would be the most important, the number one thing that you would recommend, you know, and I'm not sure if it's what you know then that you know now, but like, what would be that advice to someone who is like, if I had it to do it perfectly, what's the most important thing they could do financially? Is it the 4%? Is it maximizing? What is your one bit of advice?

I would say work someplace that has a retirement account, contribute right away, um, as much as you can afford, uh, and, and every time you get a raise. Um, I believe everybody should have a side hustle. I just believe it. I believe we all should have a side hustle. And now what I mean by side hustle, it doesn't have to be something making $2,000, $3,000, $4,000 a month. Give you something making $20 a month. But you should get in the habit of doing something, hopefully something you like and love, that brings extra income in your pocket. I think we should have— you've seen this out there— 5 sources or streams of income. I'm sure you've seen that out there. I have 5 streams of income. 5. If you get in the habit of having 5 streams of income, then I believe life is about buckets. And particularly in financial world, you've got to have— you can go savings, checking, retirement. Though that's all important stuff. I mean, honest to goodness, it's important stuff. You need those different sources of income. I'm sorry, I have someone— FedEx is out front, so I'm just— you need those sources of income to fund these kinds of things. You know what I'm saying? To fund your ventures, to fund your vacations, your businesses, fund your opportunities. I think, and I've said this before, we always have opportunities that come, come our way. But if you're not prepared for them, you're gonna miss them. Right. And sometimes being prepared for it means just having money in the bank to take advantage of that house. Because there's a foreclosure market going on, and you can buy a house now for half of its value. That's how wealth is created. Wealth isn't created when things are great and the market's up and everything's expensive. Wealth is created when things are horrible and people are suffering, unfortunately, and things go on sale. That's how rich people get rich. They buy things that have value really cheaply, then they hold them until their value comes back, and then they sell them.

Yeah.

But if you buy things when the things are great, because things are great, it feels great, you're buying at the highest point. And that's emotionally the normal thing to do. Emotionally, that's what we all do.

Right.

But you have to You have to operate financially smartly, what makes sense. And that's hard to do. And you have to recognize things as assets and then recognize things like my house is my house. It's an asset, but it's not something that I'm going to trade. I may buy other houses to trade. Yeah. Your home is your home. You know, that's maybe an asset that you want to keep as an emergency. So absolutely.

Thank you for that lesson. Yeah.

I love that.

You know, and I must admit, like financially, I'm not on the top of my game. You know, I remember like Shelley and I were, were, were texting and she goes, oh, we're in a different bracket. And I was like, tell me more about that when you get home. I might need a little bit of a tutorial this weekend. And then she did, you know? And so she's someone who's been money smart since high school, you know? And I love that. And that again is surrounding yourself with people that, you know, that know things like that. So, So I want to pivot to— I love this post that you posted on Facebook. I think, I don't know if it was January 1st or January 2nd, but you— the post was, and one day, just like that, you'll rediscover your light, you'll embrace your inner warrior, you'll snatch your power back, and the whole game will change.

That's right.

Yeah. What was the motivation for that? Where does that hit?

So It's one of those things that you kind of go through life and you're just like, when is it going to happen? When? And you know, it's happening all the time. It's happening all the time. One day you're going to realize it though. And then once you realize it, that you— that it's happened, then you have the power.

Okay.

And it's hard because we live in a society that it's someone just wants to— it's hard, it beats you down from the messaging we get on a daily basis. Just watch the news. What— and you turn on the news, what are you gonna hear about? COVID You know what I mean? Not that it's not real, you know, not that it's not real, but it is. And our last 4 years have been traumatic in terms of the messaging we're receiving from leadership. And so it's confusing. And so I think It's just about— it's hard to stay on your path, whatever that path is. It's hard to stay on it because we have so many distractions. And so that, that post about one day you'll realize and you can snatch your power back— I really believe you always have it. Yeah, but you don't have it until you realize you have it.

How did you realize it?

Like I said, it was, it's, it was, it was a, it's a recent phenomenon for me. Like, I was probably 50 years old was kind of my transformational age, you know, that I realized that I had the power always within me kind of thing. That sounds so, you know, Luke Skywalker-ish and Star Wars, but it's true, you know what I mean? Now, if you believe what I'm saying, that that now means that every day of my life is happy-go-lucky and powerful and good, then you've not heard my message. I'm trying to say But I recognize that the power that I have is something I've always had. It's a part of your journey. Yeah, you're gonna have bad days. It happens. I mean, you're a human being. And but you have to accept the bad days as part of the journey as well. Absolutely. Probably teaching you something that you don't want to learn, that ugliness, that bad day. Yeah, breath, get it, get yourself back together, do what you have to do to get your balance back. But just keep going forward afterwards. Yeah, moving. Just keep moving.

Yeah. You know, are you, are you the kind of person who sets annual goals? You set 5-year goals? How, what's it, what's your, your outlook, your target? What's your plan? How do you work?

I'm extremely, uh, I mean, it's, it's terrible to say. So there's a couple of people who I'm on a couple, I've been on a couple of boards and nonprofits and I'm always the treasurer. So I'm always kind of in that financial analytical mode. And I am analytical. And so yes, I'm a goal-oriented person. I keep yellow pads.

Okay.

Yellow pads are with me always. You have a yellow pad? You look like a yellow pad person.

I, I have a rainbow pad.

Oh, okay. Yeah.

Yeah.

But yeah, I keep them with me.

Yeah. And I have been since probably before I can remember writing to-do lists down, which are turn into goals. Yes. Turn into, you know, and when I— and the reason I like it, and this is going to sound silly, I get joy out of scratching it off when you've completed the task. Yeah. Oh, that feels good.

Oh, absolutely. Gives you momentum.

Yes.

Yeah.

Even completing a to-do list, which becomes a goal, and, and also the part I like about it, and I— and the thing is, is I keep my— I have a box of these, probably going back 15 years. Yeah. And I could scroll back and go, oh, I had a goal once, back in whatever year it was, to have $1,000 in my bank account. Okay, $1,000. And if I thought if I had $1,000 in my bank account, it was everything. Yeah, everything. I remember when I met my wife, she's gonna be mad that I tell this story. Her only goal— and we've been together almost 30 years. This is not that, you know, right, right, right. Um, to make $40,000 a year. She hates when I bring it out because she's like, all I need to do is make $40,000 a year and I'm good. And I always bring that back to her. It's like, you know, right? Because what happens is you blow those goals out of the water, and that gives you the encouragement to make another goal. Absolutely. So $1,000 became $10,000. Honest to God, I $1,000 became $10,000 for her. No, for me in the bank, my $1,000 in the bank became $10,000. Yeah. Cause once you hit $1,000, you're not going to, you're not going to just walk around and be a $1,000 heir. You want to make a bigger goal. That's how it works. And then you go to $10,000 and you hit that goal and so on and so forth. But that's the importance of goals. And yes, I'm a goal writing down, achieving, go back in my yellow, scratch them out. It makes me feel good. Yeah, I wrote down a goal one time. I had two goals that people laughed at me for. Um, one, I said, um, I want to go on a jazz club. I love music, so I've always said I want to own jazz club. Okay. Yeah, everybody was on a jazz club, Donnie. People would say that to me, and I've owned a jazz club. There you go. So checked it off. Checked it off. Do I have any desire to own a jazz club again? Nope, got that out of my system.

Been there.

But I have been a partner and owned a jazz club. Yeah, in Las Vegas.

Nice. Very cool.

Yeah. Yeah.

I love that. What was that conversation? Not the conversation.

What was that process?

Because your wife's name is April, right?

Correct.

What was that process when she first said, I'm good, $40,000, I'm good. How, what was the process like of getting her to go, no, it's not enough. You know, we're talking, you know, maybe 6 figures, maybe 7 figures. What was that process with her?

Over 30 years? It's, it's really, I didn't have to do anything. I mean, what happens is just being around people that ascribe to things bigger than maybe you saw, makes you again, we've talked about it before, see the world differently. Yeah, see normal differently. See And that's the key. And again, she has now been a part of my family, all those people that I've been talking about, for 27 years now. Yeah. And, and so it's just a different world. We travel, we go places. I told her we got together, we're going to travel. I always travel, though. It's not a big deal in my family. We travel. She's sure. And we've been everywhere. I mean, she has an affiliate. She loves the the Caribbean islands. And so, you know, we went to Anguilla for our honeymoon. I mean, we've really been blessed in that. But it's just, it was a part of my normal life. My family travels. That's what we do. I, you know, and as a kid, you just hated it, being dragged to the Bahamas or Barbados, you know, dragged. Yeah, right. Because it was our normal. It was a beautiful part of our normal. So for the idea of going someplace wasn't a big deal in my head. It's just not. So you want to go? Let's go. Yeah, we go. And so now she sees that as— and so obviously things— and now she's way out of my atmosphere now. She's just— she's way out of my atmosphere. She is big time. And I can't keep up with her. I mean, honest to goodness, I'm way behind. And I'm the, you know, what do we need that? What? What do we need this for? I mean, you know, yeah. Oh, you're so— and I— so I'm the one that doesn't know anything, right? I'm trying to keep up.

I get it, I get it, I get it.

They say— and I'm— I think I'm gonna get this wrong, but they say— they say look at the 5 closest people in your circle.

You're the average of the 5 people you spend the most time with.

Yeah, boy. And then you go, man, Yeah. That's what sometimes people go, oh, wow.

Yeah, it's true.

So if you want to change your life, change your circle, change your circle, you know, try it.

Yeah, that's, that's a conversation for another day.

Yeah, I know it. I know it.

For another day. Yeah, I know. We can go down that hole and get trapped.

I have so many different kinds of friends. You'd be amazed at some of the people I would tell you. Yeah, I get it. But that's me. That's me. I like the difference, you know.

I love that too. You know, now that we've had this time, I don't think I would be amazed. I think I would go, you know, Donya's a baller. She's a big, you know, high craps table player roller.

I just— I'm attracted to just, just cool people, you know. You don't have— you don't need to look a certain way or be a certain way or do a certain— just people that can elevate me and make me feel good in some way. That's what I'm attracted to.

Perfect. Perfect. So as we begin to wrap this up, I have one— I actually have two more questions for you. Now that, you know, my brother-in-law said his, his whole thing, that we're about the same age. And he goes, you know, Trey, we got more years behind us than we have in front of us. I didn't believe that. I said, no, damn it, I'm going to be 100. So I'm, I'm dead even right now, you know, because I'm not going to be like, oh, you're 62, you know, 100. So what is on the radar in a form of reinventing? How are you going to keep up-leveling your game? Is there anything when you go, I'm going to be here till I'm 100, what are these couple of things that I haven't done yet that I really want to do?

That's a great one. You know, I would like to— I don't know, I would like to some way be able to communicate my experiences and create an organization or business that can immediately have a, a profound effect on the success of young African American children. I would like— I would say all children, I mean, but young African American children You know, we talk— we hear— when I use the word programming, I know some people are going to hear that in a negative term, but I would like— I want our children to be able to see and experience things, um, that they dream about, right? And, you know, I don't know if that shows up in a foundation or whatever it shows up as, but I, I really want to have an impact, an immediate impact. And I know lots of organizations are already doing that right now, um, But, you know, there's just some things I think— housing is another big issue of mine. I believe that we need to house people. And if young people and young mothers are walking around and their biggest concern on their head every day is about how they're going to sleep that night, they don't have a chance to be their great selves. Right. So I'd like to somehow be involved in some housing issues, housing issues that plague all of our cities, including Las Vegas. And we're doing better, but there's a lot that we can still do. We have so many resources and so much money. I mean, I think we're recognizing now in the pandemic, we didn't get the centralized support, governmental support, that I think we could have had in the last year and a half. We're starting to get it now, but it's made the states have to be more creative and how to— and the communities in those states have to be more creative on how to take care of each other. Well, let's keep doing that. I mean, we We need both, but now we recognize that we can do a better job of taking care of each other. I just feel like I have— there's something I'm supposed to be doing on that arena as well, and empowering people financially, empowering people economically, making people understand the power of wealth. Just— there's more. There's got to be some way. And I'm— and, you know, maybe, maybe this is— this is the beginning. I don't know.

Yeah.

Wow.

That's, that's so incredible. And so When you look at it, is there anything like when you were— let's say, what was the age where you had the biggest dreams? Was that when you were a teenager, a kid, under 10? What age was that?

Yeah, I was young. I was young when I was dreaming. I'm a— believe it or not, I'm an introvert actually. I get my— and I say, yes, are you an introvert, extrovert? I guess the, the description is, is how do you relax? How do you get your balance back? That's who you are. If you like being at parties to make yourself feel better and relax, then you're an extrovert. Yeah, being alone to get your power back, then you're an introvert. Now I play an extrovert well on TV, kind of. Yeah, yeah, yeah, I can play one on TV, but my natural— so I, as a young kid, probably the age of 12 to 14-ish, I'm dreaming a lot, I was reading a lot, I was, I was watching old movies. Yeah, you know what we'd call them, a TCM Turner Classic network channels now. Those are the things. And so I was dreaming, I was seeing things, I was envisioning a life for myself that wasn't really clear, but it was just a feeling, an emotion. I think I've been walking towards that my whole life.

That was my next question. I was like, when you were 12 thinking of that, and you look at the notch where you're on that ladder, are you where you thought you would be?

Yeah, I think sometimes I sit in my backyard, or you sometimes you catch yourself in a place and you go, Wow, yeah, I dreamed this to happen. I'm here. Most of us don't get the experience and recognize, you know, they say smell the roses. I've had a lot of those experiences when I go, man, that 12-year-old somehow dreamed this and I'm here. I made it. I made it. And, uh, it gets a little more challenging as you get older to be— have those kind of wide eyes and dreaming.

And it's—

but I think I was young when I was watching those movies and reading those books, I kind of saw a life, but it wasn't clear, you know, you didn't have all the lines filled in. Yeah, it was a vision that I had. So I love that.

Well, I know from this conversation that we just had that I need you in my tribe, and I don't even say want, I say need, right?

And so I feel, I feel lucky to have met you, to be quite honest, because, you know, You and I, I think, clearly are gonna have some many, many, many more conversations.

Absolutely.

And I believe we're gonna probably solve some problems and create some things that we don't even know about yet. I love that.

Absolutely, absolutely. So as we wrap it up, let's say there's people— there are people listening to this episode right now. Where can they connect with you? They're like, I want to work with that financial planner. I already know that we have a lot in common, she can take me where I want to go. How can they get in touch with you? How can they connect with you?

Well, you know, I have some parameters. You know, I'm not as— I'm— how do I say this? I'm selective in who I do business with. Yes, if anybody didn't get that earlier, I am selective of who I do business with. My email is my, my business to get— Donia, D-O-N-Y-A, monrowilliams.com. Send me an email. I'll try to get back to you. I'll have a conversation, see if it's a fit. Because there's so many other things I also am out there doing and want to do that I just, you know, like you said, we got more years behind us than ahead of us. I'm actually closer to retirement And I don't see myself ever retiring, but slowing down the need or desire to be chasing money. That makes sense. And more of the need, the desire to chase, you know, joy and fulfillment and experience and sharing. So I'm moving closer to that. So anytime I can help someone, I absolutely love to do it. Um, but I'm being more selective, but Donya@MonroeWilliams.com and I'll do my best to see what, uh, And if you have a referral, that increases your chance. So if someone, you say something like Trey, or, you know, I heard you on the podcast, or Vicki Lander. I'll be honest with you. That's how, that's, that's how I work now. I mean, it's gotta come from good people. How did we connect? Good people.

Good people.

Vicki, Vicki, that homie. Yeah. Yeah. She tells me to do something, I do it. Here I am. There we go.

She good people. She good people. She's gonna love to hear this episode. Episode just to hear that.

Oh, please.

I love that, homie. Absolutely. Well, Danya, thank you so much. This has been so fun. The, the conversation was just like— I have 5 different other areas I want to go now, but you know, we can't make the people listen to 5 hours. You know, people are like, an hour or less, Trey, come on. So thank you so much for being on the podcast.

Of course, it's been a pleasure. I appreciate you asking me, and I, I feel honored that I got an opportunity to sit on your show. And, uh, you know, thank you, thank you. Really, it's been an honor.

Thank you so much for listening. If you're finding value in this podcast, I would love it if you could leave a 5-star review. Yeah, I know I said 5-star. I would love it if it's a 5-star review, but I would love it if we could get more reviews for the show. That way more people can find the show. If you're someone looking looking for a way to raise the roof on what you think your potential is, to get rid of the roof, you know, if you're looking for someone who wants to unlock and reveal your unlimited potential in order to transform your life for success, click the link at the bottom of the show notes. I would love to have a connect call with you, get to know you, see if I'm the coach who could help you reach your dreams in 2021.

And beyond.