Think It’s Too Late To Build Wealth? Watch This!

Let me ask you something. How many of us were actually taught about how money works? Not just how to earn it, not just how to save a little bit, but how to actually build wealth. Most of us grew up learning to work hard, maybe to put money into a 401(k) and hope everything works out someday, but we were never really taught how money actually works or how to make money truly work for us. Today's guest learned those principles very early by studying books like Rich Dad Poor Dad. Remember that book? And she went on to become a self-made millionaire in her 20s. Hannah, thank you so much for being here today.

Thank you so much for having me. You are such a beautiful human, and I can't wait to have an amazing conversation.

So I met Hannah briefly at a mastermind I was at, and I quickly started stalking her stuff because I'm thinking, who is this young girl? Um, and because she's— she looks so young to me. She's not— I don't think she's in midlife. I won't even ask you your age here, but 30 next month.

Okay, 30. So she's not— she's not us.

She's I'm not midlife yet, but I was so impressed. I'm like, how is she in this group so successful, so on point, leading with her vision and mindset and just so knowledgeable when it comes to things that many of us have avoided around the money conversation, specifically real estate investing and the idea of money mindset. And so I started personally stalking her stuff, went really down the rabbit hole at her stuff, like convinced myself I've gotta do all the things that she's doing even at age 54, because I think it's never too late. And I thought, I've got to have her on the show because I have a lot of questions around how she got this knowledge and if it's ever too late and how we can start applying it. So thanks for— Hannah, I have a lot of questions. I'm just going to jump right in. It's okay. Perfect. Okay, I want to start with, where did you even get this mindset around it? Like, did you grow up with parents and an environment that was teaching you this?

No, quite the opposite actually. And I remember when I was 6 or 7 6 years old, I asked my dad for a McFlurry from McDonald's, an ice cream. And he said, no, Hannah, we can't afford it. And I cried and yelled at him. I'm going to be a millionaire so I could buy myself McFlurries. And I was so angry because around that same time, I had a friend who was very wealthy and they had a really happy family. They had horses, they had a beautiful home, they took vacations. And so in the 6-year-old brain, I was like, okay, money equals happiness and nice things. And no money equals misery and I can't have anything that I want. And so, it was very early on that I became, I had that chip on my shoulder and I was like, I got to take care of myself. I got to prove to, you know, basically I have to find a way to make myself money because my dad's not going to do it for me. My brother's not going to do it for me. And I'm just going to have to figure out how to do it for myself. And so, it was that drive. I was very fortunate to see what money could bring from a young age and also what the lack of money could bring from a very young age. Now, I could get into a whole world of, you know, money doesn't buy happiness because I figured that out later in life. But it does buy a lot of things that can allow you to have the time freedom to build really amazing relationships and to go see the world and to be— do your hobbies and to all of the things, right, that we just can't do if we are stuck in this pattern of poverty and scarcity and we are forced into a life that isn't the life that we dream of because we have to go to the job that, you know, earns us our paycheck to paycheck or to pay the bills to take care of our family. And we don't ever get to really realize our potential in our lives. And so that's what motivated me. And I just dove in from a really young age. It's like, how do I find a way to build wealth and make money for myself?

When you had that question, what did you find around you? Like, were your parents supportive of that question or were they telling you sort of the opposite of what you learned? Like, what was the environment you were in? Because And I'm asking that because a lot of times people will hear about seeking and asking questions and having guidance, but then they have this environment around them of people telling them why that's stupid or you shouldn't. What was your environment like?

Scarcity, fear, lack. It was a lot of, I remember my brother told me, he was 8 years older than me about, and he said, the rich get richer and the poor get poorer. You're never gonna amount to anything, Hannah. And that was fuel. I remember these things vividly, have these visions from my childhood, which I was that victim growing up, like, poor me. I wish I had a different life. I wish this, I wish that. But ultimately, it was the greatest blessing I could have ever asked for because it really gave me that fuel to become independent and self-sufficient and dive into seeking all of the knowledge and skills that I possibly could. And so, yeah, my dad would like take— we live in Arizona. It's very hot in Arizona. Everyone has a pool because it's 120 degrees, and he would literally take showers in the pool to save on the water bill.

Oh my gosh.

Yeah. And he would shop like only at the dollar store, and he would turn the lights off in the house or the fans off, or he would unplug the toaster because it was using too much power. And so, there was just a lot of scarcity in our home, and I was so rebellious against my dad. Ultimately, now I love him and we've healed all of that relationship, but I was so rebellious. I was like, Anything that he does, I want to do the opposite. Anything he believes, I want to believe the opposite. And so I just knew that that wasn't what I wanted to do. And then I also saw at my friend's house, because I spent a lot of time over there, that it was completely different. They're like, oh, whatever you want, honey. Or, you know, they would talk about business and they would play Monopoly and like these games to kind of learn how money worked. And they would be— they had abundance. Yeah, it was whatever you want and we can do this and let's go on vacation here. And there was never really a talk about money. It was just, there. They, they never mentioned it. And so I really wanted to create a life where I could have— I always chased money just to be free from it, if that makes sense.

You didn't want the stress or the idea of it's holding me back. It's like— and I think that's what— when I ask midlife women their stories around money now, it's not that they say I want more to be happy. So I think people go to that, but it is those things you've listed. It's about security, it's about freedom. They want freedom of choice and security to do what they— and feeling safe. So I feel like it's a deep-rooted thing there. But my question is, do you believe that how most of us were taught about money is actually what's keeping people poor?

100%. Yeah. And I read Rich Dad Poor Dad by Robert Kiyosaki when I was 13 years old.

13?

Wow. Yep, 13. And I just— it was my lifeline of hope. I was like, this makes perfect sense. This is for me. I don't need to be some, you know, rich kid or have all this opportunity or go to an Ivy League school because he talked about his rich dad and his poor dad, and his poor dad was the PhD, right? And I was all worried because I didn't have a college fund and I didn't have like the resources and the network and all these things. But I was like, I can do it. Like Robert Kiyosaki did it. He didn't have these types of resources, so I can do it if I buy assets, not liabilities. Like the rich acquire assets and the poor and middle class acquire liabilities. And so the goal is to buy assets and then eventually over time, those assets will pay for your liabilities, like the bag or the shoes or whatever we want in life, right? To learn skills. He said it's skills that make you rich, not money. And so I became obsessed with how do I learn skills so I can learn how to make money. And then when I make money, I can invest in assets and then those assets will appreciate over time and produce cash flow. That will bring me financial freedom, then I can go have time freedom and ultimate freedom in my life and buy the things I want and do the things I want, be with the people I want to be with, see the places I want to see, do the work I want to do, and then have control over my business. So have skills, but also have control over those skills. And so I knew that I had to be in— like he taught me, public speaking, capital raising, and sales are the 3 most important skills you can learn. And so I wanted to become a good communicator. I wanted to be able to sell anything because like Joe Polish says, where we met there, there's pretty much nothing that can't be solved with a good sales letter, right? Like if you have money issues and you know how to sell, then you can get rid of your money issues. And so those are just some of the skills I wanted and being able to— he says, mind your own business, meaning you have control over your income and your capacity to deploy your skills into something useful that converts to money. And so that's like sales, even that's why I started as a real estate agent. A commercial real estate broker. I was within a company. And so I always— I'm not— I never bash on employees, like, because you can be an entrepreneur within a company and you can have, you know, equity or profit share or have a sales role where you really have control over your income and you don't necessarily need to own your own business. Or you could be a high-earning employee or something like this, and then you have a plan to invest and you're acquiring assets and you're an entrepreneur in that space. And those can all be a perfect combination to be able to ultimately build financial freedom. So it doesn't look the same for everyone, but having some control over your ability to turn the money you have into more money and have that money make babies. Whether you're an employee or whether you're an entrepreneur or an entrepreneur, however that looks, you can go out and you can invest and you don't need a lot because the power of compound interest, you know, my friend David Bach, he wrote the book Automatic Millionaire. He's like, if you invest $27.50 a day, which is a meal, right? One, one meal a day or a couple Starbucks coffees, that will— and you make I can't remember the example. He says like 8% compound interest over time. Even if you just threw it in the S&P, in the stock market, like in a Robinhood account, and you just automate it where it just comes out every single day. Or Tony Robbins uses the example of $300 a month compounded at 8% over 8 years. That will take a $28,000 investment and turn it into multiple millions. And so there's that, that myth that you have to be rich to get rich, like my brother said. The rich get richer and the poor get poorer. It's not that the rich get richer because they continue to do the habits every single day and they continue to make the investments and leverage compound interest to buy assets that pay them in their sleep so they can have financial freedom forever.

I believe that whatever we sort of obsess over and go deep on, we can achieve and become. So, like, you've done it with kind of money and business. I definitely at one point was really doing it with fitness and nutrition. It's like whatever we zero in on and do is what we're going to create these radical results. What fascinates me is that you were like literally 13 reading this. How did, and what you just said about liability and assets, I wanna go a little deeper there first because this is also confusing to people. And first, my first question is your 13-year-old brain, you're hearing this, but you probably just like other girls that age were wanting to keep up with the Joneses and wanted nice things. What, what was your pivot or your switch after learning that? Like what did you actually do in those teenage years, in those early 20s knowing that information?

Yeah. So, I, you know, I babysat to make income on the side. I loved horses but couldn't really afford them in the way that I wanted. My mom was amazingly supportive and she actually literally worked at the stable to muck stalls to help me be able to like ride horses and fulfill my dream in that way. But I started a horse training business because I'm like, okay, well, I want horses. I can't really afford the horses I want. So, let me learn how to train horses and charge people to do the thing that I love. So, I was always just thinking and how do I, 'How do I do it?' Not, 'I can't do it,' because my family was very much, 'We can't do this.' And that was something that I really benefit to my mom. She was kind of like a, 'How do we find a way to do this?' And like wanted to think in that way. And Robert Kiyosaki talks about that too, is, 'How can I do this?' Right? Because your words become flesh. Like, that's in scripture, whether you're religious or not religious or whatever. It's so true. Like, what you say to yourself, and most of what we say to ourselves is subconscious. It's the 70,000 thoughts in our head all day long that is running our entire lives, and we don't even know that we're saying this to ourselves. But if you, if you're just saying, I can't do this, I'm too old to do this, it's too late, I don't know how to do this, blah, blah, blah, blah, blah, that's all your reality is going to be. And so I always just thought, how do I do this? How do I solve the problem? How do I create something to solve people's problems? Because all money is, is just solving somebody's problem and you get money. Like, there's an exchange for that, right? So that's just what I thought. And I saved up some money and I knew from that book I wanted to get in real estate, right? I wanted to be a real estate investor. I didn't even want to be a real estate agent because I was like, yeah, that's for people that don't know what else to do with their life or whatever. But I wanted to get my license because I wanted the skills of being able to underwrite properties, being able to see properties that were for sale, being able to be around people that understood real estate and just dive into that world. And then I happened to sell a deal before college. I was 18 years old and It was a commercial property and I made $36,000 and that was more than my dad's entire year salary. And I was 18 before I even started college. And I was like, oh, maybe, you know, maybe I do like selling real estate. Like, this is, this is nice. And being a real estate professional comes with other massive tax advantages. And again, I kind of owned my own income even though I was with, with a company. I was— my commission was up to me, right? Eat what you kill. And I just used that commission to buy my first property and I was terrified. I was absolutely terrified. I was shaking at the closing table. I was like, well, you know, I grew up in a fear and scarcity environment. So that was my programming was just fear. I was completely driven by fear for the majority of my life. I still am afraid all the time. I just do it scared, right? And that's what courage is. It's just, it's taking action despite of the fear that you have. It's not the absence of fear. And so just moving through that. But yeah, I did it scared. I bought my condo with that commission. I used $25,000 to put the down payment, and then I used the rest to renovate it while I lived there. And then after I lived in it for 2 years for college, and then I moved out and rented it out on Airbnb. And I just recently sold that property, but I ended up making hundreds of thousands of dollars on that property, and it cash flowed thousands of dollars a month over the course of 10 years from a $25,000 investment that I was terrified to make. But I did it anyway. And it helped that asset along with other assets helped contribute to me becoming a millionaire at a young age. It wasn't like I made these massive lump sums of money and like took these massive investments and these huge risks. I just did the thing. Like I just took the action, followed the Rich Dad principles and tried to make good decisions and stuck with it over time. And then soon enough, like 10 years flies by like that. And I look back, I'm like, oh wow, I actually have like a net worth. And I didn't even know that, you know? So it's exciting, but it's never too late to get started because time just flies. And every year you learn and you hone your skills and you get better skills, and then your capacity to make bigger profits just grows. And so the most important thing is just to get started and keep going.

There's so many gems you just shared that I want to circle back to. Like, one of the things I heard was that you truly act as if even before you have things. So like, one thing that stood out to me is you mentioned you You wanted to do stuff with horses, you wanted to own horses, you wanted to be around horses. But instead of saying, I can't afford it one day, you said, well, how do I put myself in the position to be around it and monetize? So becoming a trainer, just even that, or when people will hear, well, I'm too late to the game, I don't have money to invest. You didn't say I went and invested this crazy amount. You started small. You said, well, what can I do? So I, that just that framing of how did you put yourself into the action, even getting your real estate license, I don't think most people think that way. They think, well, I don't have the money to do this. But you said, well, I might not have that yet, but I'm going to learn everything I can about it. So just a high amount of acting as if I feel like is part of your— a huge part of your journey there.

Yeah. I've always been a visionary. I've always done vision boards, you know, and always just like, I am creating this reality. And I always love looking back at them because it always comes true because your, your subconscious starts to manifest those things. And there's a quote that says, When you commit yourself to a goal, the universe will conspire to assist you. And it is so true, is you really will attract and the things will just start to flow to you. I've realized that when I'm so crystal clear on what I want to create and I have the right intention behind it, that's the big thing. The intention has to be from a place of love and creation and purpose and impact and joy, not fear and scarcity and unworthiness and lack and all that, which was a big lesson I learned throughout this journey. But when you have the right intention, and you know crystal clear what your true north is and what you want to create in your life, the universe, God, everything will literally start to bring these things. And all of a sudden, things that you would think are impossible, like Robert Kiyosaki appearing in my life and living 6 minutes away from my house and now being my best friend, and I'm flying on a plane with him to Mar-a-Lago, you know, 2 weeks ago, that was God. Like, that was the universe. And that was Joe Polish, really. So, but it's just so cool. Like, you know, I didn't even go seek out to meet him, which is even crazier. I just taught his principles and followed him. And he was always just my, my hero in my head. And then Joe was like, oh, I know Robert. I'm friends with him. He'll love you. Like, let's, let's get you connected to him. Yeah. And, uh, but it's just, it's true that the, the impossible will just start to happen when you're so aligned and you're living like your purpose.

I think people so misunderstand vision so many times or vision boards. And I always call them decision boards because it's like, I'm deciding if I'm putting stuff on there. But as many people will say, that's just stupid and that's woo-woo or whatever. I don't know anyone uber successful that doesn't say they focus on their vision first. So there's just, that is reality that if you don't focus on that vision and you don't have clarity around that first, you're never going to get there. So I love that you brought that up, but it has to be there.

If you don't know where you're going, any road will get you nowhere. It's just like if you get in your car and you just start driving and you don't put in an address in your GPS, I say that all the time, Hannah.

I love that. I say that all the time. All the time. I say it's just like navigation. You don't get in your car and just go, where's it going today? You put the address in and then you end up there. Could take a different route, but you end up there. I love that you just said that.

Um, yeah.

Okay, I want to go back to liability and assets because what you learned— and I went back and read the book again because of you, by the way. I had read it years ago and I'm like, I'm gonna read it again because Hannah's mentor, he really talks about liabilities and assets different than most of us have learned. Like specifically how he talks about a car, how he talks about a house. Can you just do a little summary of what you consider kind of an asset and liability for, for people that learn the way that I learned? We learned just work, just buy the house. Like, we learn differently.

Yeah, and that's what society teaches is go to school, get a job, put your money in a 401k, buy a house, stay out of debt, and retire at 65 and then die, right? So that's what we're all taught, and I actually went down that path and I also went down Robert's path. I went down both paths simultaneously because I was afraid. And I was like, I don't know, do I trust this crazy author? Do I trust the system? Like, I don't really know who to trust. And I didn't really have a real-life mentor. So, I just kind of did both paths and I got to see for myself exactly how it all worked. And so, I went to college. I earned a full-ride scholarship to engineering school. I graduated summa cum laude in 3 years. I went to work for Caterpillar, a multi-billion-dollar public company and I had a high-paying engineering job and there was no way I was getting rich from that. And that's okay, but it wasn't my passion and I was definitely seeking wealth, like true wealth. And I knew that that was not the path that was going to get there. Half of my money was gone in the paycheck. The 401(k) was put away. I had no control over it. You know, it was very, very modest returns, the Social Security tax and this and that and like whatever. A high-paying salary, I was doing the math. I'm like, there's no way that I'm going to be able to build wealth doing this path. Yet on the side, I was selling real estate and I was making double the amount on the side on weekends, you know, and I had tax strategies. I got to invest it freely in whatever I wanted to invest it in. I got to learn a business of assets and be able to identify assets that I could add value to. And, and so I just saw very early on, that's why I only lasted for about a year and a couple months at that job before I went full into entrepreneurship. But I learned very young that that was going to be my path because my passion was just over here. Now, if you have a career and you love what you do and that's part of your mission and your purpose, I'm not saying everybody is cut out to be an entrepreneur because it's not true. And like, people do amazing in their job and you can still learn to invest with the income that you have and still build massive wealth. It just wasn't my personal path. And we all have different paths, right? But you could, you can still get to that, the same end of wealth through that consistent investing and that compound interest, which we can talk about on how people who do have jobs can invest in real estate without having to necessarily be in real estate as a real estate business owner or entrepreneur. But you know, what Robert Kiyosaki teaches is that path is not the best path for building wealth. That's why he says if you want to be rich, don't be an employee. If you want to be rich, be an entrepreneur, be an investor and use debt. Right. So some of the myths is like, for example, the big one that he says is that your house is an asset. Now, I own a real estate brokerage. We sell houses all the time and a house can be an asset. But generally the reason why he says a house isn't an asset is because an asset in Robert's words and in technical terms is something that puts money in your pocket, right? A house really just takes money out of your pocket forever. And sure, you do build up appreciation, but you pay every month, you pay a mortgage, you pay maintenance, you pay insurance, you pay a big down payment, huge down payment that you now can't invest in other things that could put money in your pocket. And then, you know, over time it will appreciate due to inflation. And then you have money, but then when you go to sell the house to buy another house, you're now buying another house that's a more expensive house because that value that went up, so did the other house that you're buying. And then the same thing, you're putting more money down, you're paying a bigger payment, and the house actually never puts money in your pocket, not one time for as long as you live. And so that's where he's saying that the house is not an asset. Now, if you rented a house, which still taking money out of your pocket every month, liability, and you took that down payment, let's say it's a $300,000 down payment, you're buying a whatever, million, $5 million and a half dollar house or whatever. I'm in Scottsdale. It's like an average house here. So that $300,000, instead of putting it into a house, you can rent a house for less money than what your mortgage payment will be for a similar quality house. Because some people own houses for long periods of time, they got a cheaper price on it so they can afford to rent it for cheaper than what its current value is. You can rent the house and then take that $300,000 and go put it into an asset that's actually going to provide cash flow. So now your monthly income statement, when you look at your income and your expenses, that $300,000 was used to go buy maybe an apartment complex that produces cash flow, maybe into a real estate fund that's producing cash flow, maybe into a venture capital that produces cash flow, or a dividend stock that produces cash flow. Like anything, right? Anything that produces cash flow. And now on your income and expense statement, your incoming is actually higher because you use that $300,000 to buy an asset instead of buying a liability, which was the house. Now, a house is a luxury, and we want to raise our families, and we want to have a place to be. Like, that's totally different. And if you want that, that's amazing. But just the argument of a house is an asset, and the American dream is everyone should buy a house because that's how you build wealth, is where he says that that's not exactly true.

And it's interesting because you brought up David Bach earlier too, and he has a very different opinion. So it's like we— you can go down this whole belief system, no matter who you're listening to or what you're doing. But what he's saying really makes sense to me because we tend to think of all these things as our assets. When someone says, what are my assets, they even include their car in an asset, and a car is not an asset. It's depreciating. That's right. You're losing. You're not going to make money from the car. I mean, I guess technically, right?

Well, and this is the whole thing, right, is Yeah. And Dave Ramsey and Robert Kiyosaki, totally separate viewpoints, right?

Yeah.

Even David Bach, who says you definitely should buy a house. If you don't buy a house, you're not ever building equity. These are valid arguments for the majority of the population. Yeah, because the majority of the population is not financially intelligent and does not make wise financial decisions, and they're not financially literate to no fault of their own. They're not taught this. You have to really seek it out. Right. And so to a normal person, if the option A is I buy a house and I build equity over 30 years, and option B is I rent a house and I go blow the $300,000 on purses.

Yeah.

Option A is a much better option. And you're going to be screwed if you don't do it, right? Yeah.

No, right.

Yeah. And so, so like Dave Ramsey and David Bach, they're speaking to the 90—

the masses— percent. That makes sense.

But for those who want more, that's not the best way to do it.

So because of you, I had a conversation with my 18-and-a-half-year-old daughter because I realized that I just really never taught her much about money. I taught her about vision and belief and you can accomplish and do and achieve anything. I definitely said that, but I never really talked to her about money, like specifically. And I noticed 'cause she's 18 and a half and she's a starving music artist. So she's, you know, constantly trying to figure out, and I was watching how she'll even go to Starbucks every single day. It's like $10, $10, $10. And because of you, I started like changing my conversation with her about that, about like, hey, you can either buy your Starbucks every day or what if you invested that same exact money in Starbucks stock or just in any stock that you believed in and what that would turn into. But I had never even thought to have that conversation if it wasn't for you kind of getting in my ear and reminding us of this. That being said, what do we need to be doing? Start with this. I'm gonna, I'm gonna get back to like what we have to do ourselves, but those of us that have teens, have young adults, what should we be telling them now if we didn't set this groundwork right? Where do we even start with them?

Oh my gosh. I was just at a mastermind and this, And this guy is a brilliant entrepreneur and computer programmer. And he said, yeah, he goes, my 9-year-old has $20,000 saved up already.

Wow.

And I was like, your 9-year-old? He goes, yeah, because I taught him how to invest. And I was like, well, how'd you teach him how to invest? And he goes, well, every time it's Christmas or his birthday, or he does work around the house, we give him, you know, $100 for Christmas, or he does chores and we pay him for his help on the value that he provides or whatever. Then I tell him, you can either go spend your money or you can choose to invest it. And if you choose to invest it, I will double it, double your investment, and you can choose whatever you want to invest it in stock-wise. So he's like, do you want to invest it or do you want to spend it? And his son every single time has chosen to invest it.

Wow.

And he's been doing this since his son was like 4 years old or 5 years old or something, as soon as he could understand. And so his son chooses to invest it and then his dad says, what stocks do you like? And he's like, what do you mean, Dad? He's like, well, what do you like? Like what? Do you like Starbucks? Do you like oreganos? Do you like Tesla cars? Do you like Lamborghinis? Like, what do you like? What interests you? And his son's like, well, I really like Tesla. I like robots. Like, I like to play with robots and these and things. And so his son was choosing to invest heavily in Tesla, and Tesla's been doing very well over the past few years. And so his son is already worth $20,000 as a 9-year-old, and his dad has instilled in him, you can either go spend your money on liabilities, or you can invest in the company and be an equity owner. Like, everything's about ownership, right? So you want to own. If you— like, I'm a big— I have 14 Amazon packages at my door every day, so guess what? I invest in Amazon. I'm an owner of that company because I've used that company, right?

We all do. We all use so much.

Yes.

Almost everybody's not an investor in it.

Yeah, exactly. And so just— I— that's how I kind of approach stocks. I'm a bigger believer in real estate. I keep my assets diversified more heavily in real estate because that's been my thing, and that's the tax advantages, and like all the things. But I like to diversify and in other things, and I want to be an equity owner in the companies I believe in. So, I'd rather own some of Amazon. And so, when I buy from Amazon, I'm making money. I'm winning, right? And I'm supporting that. And so, just those things. And there was another thing I learned, and I'm not a parent, but I do read a lot about this because I always think about it. Like, if I was a parent, how would I kind of raise my children to be investors and to be have finance, because if you raise your child right, like your child could be financially free before they're 18, you know? And so, but unfortunately financial intelligence isn't a thing that's really taught. And so it's tough. It's tough. You really have to be proactive about instilling that. But another person I studied was, he said every time his child got allowance or gifts or whatever, he taught him to put it in 3 buckets. So a third was to spend.

Okay.

A third was to give away to something that was important to him, charity or church or good causes or to someone in need. And then a third was to invest. And so his child from the beginning was like, everything you earn, this is how you manage your money. You keep a third for yourself and you spend it without guilt. You take a third and you give it away, and then you take a third and you invest it, and you will be financially free and have this abundant life. And so there's different strategies here and there, but Time is your biggest advantage with compound interest. So if you have children, like, start them at 5 years old. They're not too young, you know. Start— like, people think, oh, we'll teach them about— they'll figure out their career when they're 18. But if you just start them with a dollar a day and you help them learn the financial intelligence early on, they will be— you will never have to worry about them coming and knocking on your door for money midlife because they don't know how to create it. And yeah, so I think it's a, it's a beautiful thing to be able to instill that early. And just like your daughter's the $10 Starbucks a day, if that's $300 a month, if she invested that $300 a month into just the S&P on average has done 10% a year over the last 30 years, and we could be conservative and say 8%, you know, she just invested automatically. She doesn't have to think about it. You can set up auto invest, uh, that In 8 years, by the time she's— you think you said she's 28, so by the time she's— or I'm sorry, she's 18. So by the time she's 26, she'll have, I think it's like $3 or $4 million. Wow. Yeah. From that one Starbucks.

Oh, wow. That's, that's wild. That's, that's, that's crazy. That's— I feel like my generation for sure, we have cleanup to do around our kids because we, we were the product. Generation X was the product of school, college, work, school, college, work. Like there was no— nobody was an entrepreneur. Like when I graduated high school, it was like, you go to college, then you get a job. It was like, and then 401(k). It was like the same robotic situation. So then we all raise kids that same. It's, it's hard. And I'm watching this, this go around. What advice would you give? And I'm going to ask you to kind of fast forward to the future for a minute. This is maybe a little weird, but let's just say, and I know this is not going to happen to you because you're clearly building wealth and you're on this incredible path, but that's why it's good to ask you this. What if you were 50 and all of a sudden it's all gone? Something happens, it's gone, and you had to start over. What would be— what would you do? How would you create it again?

Nobody can take your skills. And there's lots of entrepreneurs that I know that lose it all when they're 50 and they rebuild bigger because they have their skills. And a lot of people take a little bit too big of risks. They get— entrepreneurs are big risk takers and they get caught up, they get overleveraged, and they get caught up in a market cycle. Like right now, I know a lot of people that are in their 40s and they're losing $50 million, $100 million, like, and they've worked 20 million, 20 years to go build it all. And but nobody can take their skills and they can go and they can go rebuild and people believe in them. And if you have the skills of public speaking, capital raising, and sales, you can go recreate it. Now it's not fun and nobody wants to go through that, but if you have high value, high integrity, and you've learned those skills over time and you honed your craft on that, you could go rebuild it. So, I would do the same thing. I would go find an inefficient market and find a way to make it efficient. I would go find a problem to solve and find a solution to that problem. And one of my mentors, he says, there's two ways you can scale something. You can either hire a lot of people around you and take a small piece of a lot of pie, right? Like, in the real estate brokerage model. They all go sell real estate. I take a small cut. I hold the liability. I do marketing. I do all these things. And that's one way. Or you can have a small team or even yourself and solve a much larger problem to where your compensation is much bigger, right? So you could, like, for example, with him, he has an insurance company and he could go save someone $100 million, save a company $100 million a year on taxes, he's gonna get a pretty big paycheck for that.

Oh yeah, for sure.

Like that, right? And so because he built the skills, uh, over time to be able to solve that problem. And so that's really what I would do. Like, I wouldn't be afraid. And that's what's so nice is I'm not afraid if I lose it all, which is a possibility. I, I lean on the side of less risk, uh, to hopefully never lose it all. But if I did, I would know that I could rebuild regardless of what age I was at. And that's— Grant Cardone did that video where He shaved his head and went to a different country.

Yeah, I remember that.

Right. So that's really what it comes down to. Like, it's never too late.

Hey there, if you're finding value in this episode of Midlife Conversations, I would really appreciate it if you would hit that like button and subscribe. And when that little bell pops up, you want to hit that. That way you are notified of all new episodes so you don't miss a beat. Also, you subscribing and liking helps others find this content, and this allows me to keep growing, keep getting amazing new guests for you, and to keep sharing. So you would, obviously you would feel it for a moment. Of course we all would. But then you would say, I have the skills so I can do this stronger. And what you said is you would find something that's inefficient and make it efficient. So that could be like literally anything, like where, where is something inefficient? And I also, what I'm hearing from you too is you really don't have any kind of ego about it. Just like when you became a horse trainer because you didn't have a horse, like you would just go into whatever you have to do to help learn something and make it efficient. If I'm hearing you correctly.

I mean, it's like, for an example, right now there's kids becoming millionaires daily because of AI.

Yeah.

Right. So we have all these resources and I go visit my friend's family in Wisconsin and people are like, what is AI? So easy to make money. Like they have no idea what's going on. You can literally go on AI, build a fully functional website in 3 minutes that you used to pay. I paid $10,000 for all my websites previously. Then they took a year. For the developers to build. And right now is that little edge, like people don't know yet. Totally. I know because I dive into it and the knowledge is free because of AI. You just learn from AI and you can go build a fully deployable website and then you could go charge someone, hey, go on social media. Does anyone need a website? I'm the fastest web developer in the world. I can build you a fully functional website exactly to your design likings in 24 hours and I will charge you $3,000.

Yeah.

Like it is, It's never been easier to make money than right now. You just have to like solve a problem, like take in something inefficient, like a 12-month $10,000 website, make it more efficient. Now that gap's gonna close because eventually everyone will know that they could do it and probably learn how to do it. But there's always gonna be those people that just aren't techie, but like those little opportunities. And I would really dive into AI or even use AI to help you market more, sell more, fix your operations, be faster, be better. Like there's just so many resources out there. I mean, AI is a fully autonomous employee for free. I mean, a couple hundred bucks a month.

I can't believe how much I use it. Yeah. Yeah. It's, it's, it's wild to me what people think that AI is versus like what it really can be for our time and for our life. Like I don't use it to pretend to be me. So like, like, like people think people are just using AI to like be a video of them or whatever, but it's, it's to make, it's like I have a full staff now of people. From the AI, it gets things done like crazy quick. I mean, I just think even getting ready for a podcast interview, how much time I would put into research before versus now I can insert a bio, I can, I have a project built on like what I'm looking for and it spits out all the types of options for me. So it's just, it makes us more efficient.

You don't even need a bio. Yeah. You're just like, I'm interviewing Hannah Hammond. This is my show. You already know my show. What's the best questions for my audience in an intro?

Done.

3 seconds.

Or a sale, like you said, building a sales page used to take weeks. It's like, it doesn't take any time now, especially if you, you're putting data into it, which is super cool. You have this ambition and drive and knowledge of that, you know, everything's gonna work out. And there's people listening right now that I already can hear what they're thinking on the other end. And I've got, I've got some powerful women. These are women that are, they've been successful, they, but they still have this belief set that you know more than them or they couldn't possibly learn this or it's too late. What do you want them to know?

Oh, you just do it scared. The knowledge is free. It's literally free. Like, it's, it's, it's never been at your fingertips in your hand like it is now. There's zero barrier to entry to learn the skills. Like, I learned from YouTube University, you know, I didn't, I didn't have a real estate mentor. I read books. Yeah. And I still, I read every single day. I mean, I listen to, and I'm a little crazy. I'm obsessed with what I do and I learn constantly. I have an audiobook playing while I'm in the shower. I do too.

I love that.

Yeah, but you just learn, like, there's so much information online and you just listen to it. You read it, you listen to it, you watch it, however you best learn. And then once you have some money, like, one of my biggest regrets was not investing in myself sooner as far as my networks and coaching goes. And so when I hired my first coach, like, there's something— you listen a little bit deeper, a lot of it deeper when you pay for something.

Oh, for sure.

Right? So like this same information I'm sharing on the free podcast, 1 out of 100 people might actually go act on it, right? But if I charge someone $50 grand for this conversation, a lot more attention. Yeah, that's your, your tushy that they're gonna go implement every little single thing that I say because they invested in it. And I know Joe talks about that too. It's like you, people put more value on something and they actually pay attention when, when cost something. But that's the thing here. All of the information that people charge hundreds of thousands of dollars for is literally free now. Yeah, it's insane. And so I would just dive into that, dive into AI, tell AI, I really want to learn this thing. I have this idea. I'm really passionate about this thing, or I see this inefficiency here that I really think I could make this better. Put together a full training framework for me to be able to become an absolute expert and act as my chief strategy officer for this company or for this idea and tell me exactly step by step what I should do every single day to deploy this idea into the marketplace and build $10 million of net worth over the next 5 years. It will literally, like with a Harvard degree, lay it all out for you. Did everybody hear that?

Take that exact prompt. Everyone take that exact prompt. That's brilliant. That's, and it's, yeah, you rattle it off like it's so simple, but I don't think most people think this way. Way. They, they don't think that they could do that. So that's what makes you so successful, is you are thinking that way. I have questions about your habits and how you, you organize kind of your day to stay focused here. Um, I'm assuming you're not scrolling social media. I'm assuming you're not getting sucked into the news. I'm assuming— how do you— what is your day like? What is your schedule like? How do you stay rigorous and, you know, attached to learning this knowledge?

Yeah, so I live by my schedule. If it's not on my schedule, it's not in my life. And I schedule even my me time. I schedule my, like, literal sleep time, like unwind time. No, I don't schedule when I sleep, but everything else is scheduled. So my gift and the thing I love most is relationships. And so a lot of my day is a lot of meetings, podcasts, creating content, masterminds, because investing in masterminds has been a huge gift to me because you start to see what other people are doing. Yeah, hear all of their ideas and you're really immersed in it. So that's where we met. And so a lot of traveling, speaking at conferences or different groups, meeting with potential employees or team members to bring aboard, meeting with clients, existing or potential clients. Like, that's where I thrive and that's where I love to be. But then I also have scheduled work time for focused work, right? Because if you're just working in your business all day or in your to-dos, then you can't focus work. So it's— I work a lot of hours. I really do. I love it because my business life kind of is my personal life. Like, my personal friends, I do business with and, you know, people like you I connect with and I love our conversations. We might go out and do business together or just collaborate together. And so, it just really blends. But I wake up, the most important thing is called my morning integrity setup. So, if you just wake up and check your phone and scan the fires right when your alarm goes off, you're not going to last. You will get adrenal fatigue. And I'm kind of in this moment right now, so I need to retake my own advice because I've been slipping because there's been just so much on my plate and it's always that balance, right? But if you do that and you don't get yourself in what I call the green zone, which is a peak state of mind, then you're going to have poor results and you're going to start to resent the thing that you're trying to create and therefore your life. Wait, that's brilliant.

Everything you just said right there, that is like, I hope everyone rewind if you didn't hear that because that's It's— that is wild. It's exactly what happens to people. They start resenting it because they're in that zone of the wrong zone there.

Yeah. And if my first coach I hired that I really listened to because he was $10 grand, he said the outcome can only be as great as the energetic state in which you initiate the action. Wow. And so if you want peak outcomes in your life, you want the outcomes you desire, your number one priority should be maintaining a peak energetic state. And protecting your energetic state at all costs. Because if you lose that peak state, like right now I'm in the green zone, time's flying fast. I'm, you know, in a great conversation about things that I love. And this is called the green zone. This is flow state, you know, or Michael Jordan hitting shots on the basketball court and he just looks like it's in flow and it's so easy, right? That's flow state. We want to live in that state as much as possible because that's where everything we want just kind of happens. We have great results and Things start happening. We're like, oh my gosh, I can't even believe this is happening. Or how did this relationship come to me? And how did this massive deal just happen? Or how did I just come into like all this success? Like, right? That's because you're operating from the green zone and you're acting always from a peak state. And so you're getting the outcomes that you desire. Now, if you flip it around and you're like, oh my God, I need to figure this out. I'm really stressed out. I hate this. Why do I have to do this? I don't want to do this. Why am I in this position? I wish I could just be this person. I wish I could look this way. Why am I so fat? Why am I so stupid? Why can't I have better people in my life? Why does my relationship suck? You are not going to create anything but every single thing that you're complaining about and you're gonna be miserable.

And scrolling reiterates everything you just said. Scrolling literally feeds all of those things you just said.

Yeah.

'Cause you go into comparison mode.

Wow. Right. Yeah. And you gotta feed the, like, the only time I look at my social media is this is bad, but like right before bed because it's the only downtime that I get. And but my social media is trained that everything it shows me is just motivational. It's entrepreneurs, motivational speakers, like because it knows I'm looking for inspiration and I'm creating and all that. And every conversation I ever have, because your phone listens to you, every conversation I have is like business and real estate and motivation and energy and all these things. And so that's all like, I don't—

curated it.

I don't see negativity. Yeah, right. I don't even think it's—

it's not so much the negativity that happens, it's this— and I'm guilty of it myself. Like, I— so I— there's an app I put on my phone, it's called Opal. I don't know if you've heard of it. It's, it's flipping amazing. It's like, it's, it blocks basically whatever apps on your phone you want to block during certain times. So like, it's this app called Opal, even the free version. You like, you, you can say like, between these hours, I don't want to be able to look at Instagram or Facebook, whatever. It will tell you emails, whatever. And then if you want to break through that, it makes you go through a series of exercises like questioning if your intentions and if you really want to. And it's— you've got— you can't just scroll. You can't pick up and scroll. And I notice when I just let that be how much more productive my days are because I'm starting my morning in the way I want to. But whenever I'm like, no, I just have to see this one thing or do this one thing, next thing you know, it's like 15 minutes goes by, 30 minutes goes by. You— and then I— you'll notice like your mood changes. You start second-guessing what you were gonna do. All of those things. So it is really important and it's wild because it's literally an addiction for people. So that's why I wanted to ask you that, because everything that you're learning and doing, people will say they don't have time for, but they would if they weren't doing that, right?

Yeah. No, we all have time. We all have the same 24 hours in a day. It's just what are your priorities and how are you spending that 24 hours? I have the same 24 hours as Elon Musk, right? And he's— look, like, look what he— what Elon's doing. I mean, yeah, it's going down a whole rabbit hole there, right? But we all have the same 24 hours. And yes, I feel that same thing of, I don't have time, there's so much I want to do and create, I don't have time to get it done. But Alex Hormozi said this one time, he said, to really see how productive you are for one day, set an alarm on your phone every 15 minutes and write down what you accomplished in that 15 minutes. And then you'll really see how productive you are and how much time you think you sit there staring off at a wall or scrolling on your phone or getting bogged down in your emails because we want to avoid the work. Wow. And there's one of my favorite quotes that says, "The magic that you are looking for is in the work that you're avoiding." Wow.

Wow.

That's good. And yeah, it is good. I just posted about that a few days ago and I get culprit too. It's so easy for me to try to respond to my 300 unread text messages every day or get bogged down in my 2 reply on my emails or, pull up my Instagram messages. Like, that's easy. It's numbing, but that's not moving the needle forward. That is not my highest leverage activity. It's noise, not signal.

You're brilliant at this. And I was going to say, I know some women are listening going, "Well, let's see what happens if you have kids or when you're older." But I can tell you, those women saying that didn't have this type of energy and drive at your age either. So this is really good wisdom, and I feel that we can pivot this at any time. What is your— you said you have a very intentional morning. What is your ideal? Like, how do you focus that in in the morning?

Yeah. So, and I do have kids. They're all of my employees and team members in businesses. And that says no, but I know it's a whole— I don't know how women do all of this. It's so much. It's a lot. I work—

but I built a business as a single mom with a single divorce, broke, new. So I'm not saying it's easy at all. I'm just saying it can— when you're very clear on your intention and your drive and your vision, it can be done. Like, I'll see people with all types of situations. I'm not sitting here trying to challenge anyone, but I, I, but I want to offer this idea of me too. Like, I'm doing it for myself too. Like, if— do we want to live in possibility or problem? Do we want to live in opportunity or circumstance? So that's part of what I wanted to interview about because I wanted to, to hear more of this. I think this is incredible.

Yeah. And we all— again, there's lots of people who have done it that have children, who have sick family members who have sickness themselves. Like, there's just excuses. It doesn't— it's never going to be easy, but it's excuses to live in victimhood so we don't have to take accountability for our outcomes.

Yeah. So how do you start the morning in your ideal world?

Um, okay, so this is super important. When I hired my coach, he taught me about the green zone and the importance of staying in peak state. So that means every morning when you wake up, you got to get yourself in peak state before you start your day.

Okay.

And so before I look at the phone or think about work, anything like that, I did these energy audits to start to understand what even put me in a peak state. Like, I didn't even have awareness of what made me feel expansive or what made me feel contracted. So that was the first thing of starting to have awareness of what lit me up and what drained me, right? So I realized, oh my gosh, getting outside and walking while the sun is rising just fuels my soul. Listening to the birds and feeling the fresh air and watching the sun. Like, I love that personally. And so that became a part of my morning integrity setup. Listening to certain music really feels me like I like house music, like high BPM, whatever. And so exercising really makes me feel good. And I have certain exercises that I really love and I'm excited to do, and I have other ones that I hate and I just don't do those, right? So I found an exercise that I really enjoy. Some people love Pilates, some people love yoga, some people love weightlifting, some people love running, like whatever it is that you love. Do that.

Hannah's a wrestler. I'm just kidding. I see you're not right now. I'm just kidding.

Yeah, no, I'm not, but I could be. But anyway, so morning, I wake up, 32 ounces of water. So you have to take care of your adrenals. You have to take care of your health. So I drink 32 ounces of electrolyte water. I like the flavor because I hate drinking water. So I found a good, healthy electrolyte, drink that, take my vitamins, go for my sunrise walk, walk to the gym, exercise with my music that makes me feel super happy. I don't try to listen to a podcast. I just exercise and feel good. That's my me time. And then, I come back and I set my intention for the day of what I want to accomplish that day and what my intention is. And so, that is usually what gets me in peak state. And then, I get ready—

What time is this normally, by the way? What time are you getting up to do all those?

I'm out of the house right as the sun is rising. So it shifts winter to summer.

Like 5 AM, basically 5, 5:30, 6.

Well, right now it's winter. It's starting to get lighter earlier. But in the winter, I'm usually— the sun comes up here at about 6:57. So I'm out of the house by then. So I wake up in the winter, I wake up at 6:30, out of the house by 7. In the summer, I wake up at 5:30, out of the house by 6.

So you're like full circadian rhythm. You're right.

Yes.

That's great.

Because again, peak state, like if I try to keep my 5:30 schedule all year long, I get out of peak state. Like, I don't like waking up in the dark and walking to the gym. Like, I just, I don't. So I just follow my peak state. So, and so, yeah, so that's what I do. And by the time I sit down, I am like ready to go. And it's a couple hours. I mean, it's like 2.5-hour morning routine, but I'm so ready for the day and I tackle the day and everything on my calendar is very intentional. I know what I need to accomplish. And that's another thing is top CEOs like Steve Jobs, he said this, and Kevin O'Leary worked under him and says this all the time. He said the people who are able to accomplish the most in their life are the people who have an ability to distinguish signal versus noise at a very high level and not let any of the noise get in the way of their signal. And so, they will wake up and they will write down the 3 things, like no more than 3, Because if you do a test and someone throws 3 balls at you, usually you can catch all 3. But if someone throws 4 or 5, like, you won't catch any of them. And so, our brains kind of operate the same way. Like, we have more than 3 core things, we start to look, "Ah," like it's too much for our brain to comprehend and to be able to focus. And so, like, what are the 3 things that you have to get done that day to move the needle in the direction of your true north? And I have a whole True North playbook written out, which you can just talk to your AI and AI will write it all out for you. I have 50 pages. And so it's like, you know, faith, family, fitness, finance, like all my important things in my life and all the things that I want to create and what's important to me, my core values, what I will not waver on no matter what. And then I read that and I actually like live in integrity with that. And I check myself if I'm falling out of integrity with those things that are important to me. And so yeah, just those 3 things, what are the most important things to do? So if it's whatever those are to move the needle in your true north. Like one of them might be, go meet with my personal trainer. Another one might be, take my kid on a mom-daughter date or dinner. And another one might be, hire that key employee that I really need in my company. I'm going to reach out to them and have an interview with them or fly out to see them, whatever it is. So, like those 3 things that you are not going to end your day until you accomplish those. And all the rest is just noise.

So good.

And you just don't think about the rest of the stuff and you can get to it or whatever, but those 3 things are the things that you really focus on.

So good. I have a couple final questions for you. I'm curious about your family now. Have you, have they changed because of you? Are they still stuck in their mindset? Have you opened their eyes?

People, yeah, people don't really change, I've learned. So my one brother, I did inspire, like he's an entrepreneur now and he's, living his dream. And he definitely really— he calls me and like listens to me and watches my podcast and all of that stuff. But yeah, for the most part, most of my family is still very much the same. Yeah.

Yeah. So they don't— it's— are they supportive of you though? Like, do they, or do they still try to talk you out of like, it's going to come— because the way that they, they warned you before and said like, this isn't gonna, you know, that's not how it works. They're supportive now.

Yeah. Yeah, yeah, they're, they're definitely supportive, but you have to want it, you know, you have to— yeah, we all choose our path and everybody has a different path and there is no right or wrong. Like, we're all unique individual people and this life that I've created is not for everyone and that's okay. And the life that other people live is not for everyone and that's okay. And that's what makes humans so beautiful and unique is we're all different, but we flock to the people that resonate with us and then we get to grow together and learn together and feed off of each other. And that's, you know, our people or your people, your audience, right? Those are the ones that are like you. But yeah, it's very challenging to change someone. You can instill belief systems or paradigms into people, especially when they're young and they're moldable. It's easier that way. But as you get older, you have to want it to learn it and to let it change your life. Like nobody can force you to change. You have to really be excited about it and seeking out that knowledge and that transformation. And then once you seek that out, you can change completely. I mean, I was depressed and suicidal at 20 years old.

Really?

So yeah, I was a nightmare. I had so many problems. I was on antidepressants, anxiety meds, sleeping pills. I smoked weed every day. I—

so that's interesting.

See, you had no friends, no relationships.

So you learned this as a teenager.

You started—

what, what happened there? And then, and maybe that was good that it happened because it sounds like you rebounded in a strong other direction.

Yeah, I had a massive transformation. I mean, I'm shocked that I'm alive, which is why I'm so passionate about helping other people. Like, you really can create, and that's why I'm really hard on people. I'm like, you can do it. Like, you can create whatever you want to create. You can be whoever you want to be. I know because I did it. I know because I hated myself. I hated my life. I hated existence. I hated the world. I hated me. I hated my— like, I hated everything and everyone. And most importantly, I hated me. And so, and now I— now it's a complete opposite. Like, I love my life. I'm happy every single day. I love the storms and the challenges. I love people. I have amazing relationships. I've created abundance and wealth, not just financially, but personally and relationally and physically. I mean, I'm in the best shape I've ever been in my life. Like, I'm healthier than I've ever been. So, I know that you can create it because I had nothing that I wanted and I created everything that I wanted.

This is a big question and I know we're wrapping up here, but I want— like, what was the catalyst that changed that? That's a hard space that you were in. How did you— what even woke you up out of that?

I knew insanity was doing the same thing over and over and expecting different results. And I— Tony Robbins talks about the importance of pattern recognition and I started to recognize the patterns and started to recognize that I was the common denominator and that if I wanted to create a different result, that I had to do a different action. And I was continuing to attract all the things I didn't want because all of my self-talk, all of my thoughts, my 70,000 thoughts a day were negative. You're not enough. You're not pretty enough. You're not smart enough. You're not capable enough. You don't have the resources. You don't have the network. And nobody quality is going to love you or nobody's ever going to love you. And you're You like all those things, right? And so I was only attracting all of that into my life. I was attracting bad people. Yeah, because I thought I was bad, right? I was just like— and we could do a whole nother show on all of this. But ultimately, I had to change me. I had to fix what was inside and stop playing the victim and stop expecting that just jumping to this next thing and not changing the internal was going to be a different outcome because it was never going to be a different outcome. And so I started to really dive into changing the internal, and that's where I hired the coach that taught me all about energy and the importance of protecting your energy no matter what. And I was like, okay, well, I'm in a negative energy all day long, so I'm going to get bad results for the rest of my life. So how do I fix my energy? Well, then I started the morning integrity setup. I started to drop people like, you know, my fiancé that I was with, I left. Him, and I cut certain friends out of my life. I cut clients out of my life. I changed the work that I was doing. I did my morning integrity stuff like working out every day, started to gain confidence in some of these areas, started to have conversations that lit me up and just did more of what fueled me. And then that led to more and more positive results because I was maintaining a positive state. And then I dove into a lot of therapy. I solved a lot of the resentment and the anger that I was holding on to towards my dad and my brother and like all these people in my life that I had just kind of shoved down and ignored through working. That was my coping mechanism. And then I did plant medicine and I strengthened my relationship with God and it just became a compounding effect that led to a massive transformation. And as I started to prioritize the inner work and the peak state and the energy and the healing, then like the business just started growing exponentially when I stopped focusing so much on that.

I have been so impressed with your story. It's so funny, like, I barely talked to you at, um, when I met you at the mastermind, but I'm like, literally, I don't know how I even— how your profile came up and I started following. And it's funny because normally if I saw somebody, you know, just showing like flying on a private jet or whatever, it's almost like a whatever, like it just seems like a, like a brag. With yours, it's like I'm rooting for you. I'm like, wait, this cool. Your story, your journey is so inspiring and so cool, and it doesn't come off at all as like an ego. It really comes off as like a, you can do this too. And it's so motivational to me. And I've told many people to go look at your account and what it— what your Instagram handle— I want to make sure I'm saying the right thing. Is it your name, right? Or— okay.

Yes. Yeah, @hannahbhammond. And, and that's really my, my intention behind it all is because I have no ego around it. And the people I surround myself with now, like I'm, you know, on a financial level, I'm pond scum. Like they're, you know, I'm blessed to know billionaires and I get to meet all these people because your worth isn't your money. But it's just a testament of like that picture on the plane with Robert Kiyosaki. Like that's not my jet, but it's a testament of I was able to create this beautiful, exciting, adventurous life that it act— like it's not a front. Like I really love my life.

Like I really—

But I literally wanted to kill myself 9 years ago, almost 10 years ago, right? And so, and I had nothing, like literally nothing. And so that's really what I hope to instill in people is you can create what, like you really, really, really, really can. And then people are like, they assume like, oh, well you're like this pretty blonde girl that must have had daddy's money. I'm like, no, I pay for extensions. I have veneers, I wear eyelash extensions, I get lip fillers, I dye my hair blonde. Like, I wanted to create who I wanted to look like, who I wanted to be, what work I wanted to do, who I wanted to be around, and I created that. And we all have different ideas and perspectives, and some people are like, I want to be all natural, and that's beautiful. Like, that's amazing. Me, I was an insecure kid, and I like had to do things to make myself feel better about myself, and I'm open and honest about that. And If that's what you got to do to show up your best, then do it. Right? If I didn't have my extensions in, I wouldn't be caught dead on a podcast.

I'm team extension. I got all the things. I don't have a lip filler, but I got all the other things you mentioned, so I get it.

Right. So it's just like, you can do, you can create yourself, you can invent yourself.

Yeah. You're like a walking example for act as if, and it's super cool to see. And from living in your vision, because when I say act as if, people What that means is really like you, you think about the vision of what you want and you start taking actions as if you're already there. And you literally are doing that at such a young age, which is so cool to see. And I just, I love watching what you're doing. Like, I'm not kidding. I like when I asked Joe to connect me with you, I'm like, I am on a deep dive of all of her stuff right now. Like, I was like, how did she learn all this?

It's so cool.

I was going to tell everyone, if you haven't read that book, Rich Dad Poor Dad, or if you read it years ago, go read it again because It's really cool to listen to it now or read it now so many years later. And because when I first read it a long time ago, it didn't resonate as much as it does now. And I do believe we can shift things. Yes, even in our 50s and our 60s, you could still shift things. I mean, look what you— she did in 9 years, how from such a rock bottom. Many of you listening, not even close to that rock bottom. You have so many other things. This could change everything in just a couple of years just by following some of this. You're such an inspiration. I love learning. Where should people find more other than your Instagram? Where do you want them to go if they want to learn more from you?

Yeah, so my Instagram has my Linktree. So I'm on YouTube, same thing, Hannah B. Hammond. I'm on Spotify, Apple. I have the podcast. I interview amazing entrepreneurs. We talk about commercial real estate, we talk about the economy, investing, wealth, manifestation, mindset, and really what it takes to, like, realize your highest potential. And yeah, if I could have every resource, and I am going to be likely launching a real estate investment fund. I don't have it launched yet, but just want to drop the seed there because there's so many women out there that want to invest in real estate and, you know, probably more passively and want to start getting in there and playing in that game and building wealth and having the opportunity for more upside and all the benefits of real estate. And so I, it is on my vision board to do that.

And that means other people can be part of that. So like you're basically like when you're overseeing that other people can put money in towards, so they're, they're— is that what that means? Did I say that right?

Yep. So basically I would have a fund, I would interview very, very trusted sponsors and operators with incredible teams and they're doing different investments. And some usually those investments, the targeted returns are anywhere from 16 to 30% return per year. So there's really big returns, like much higher than the S&P. And then there's tax advantages on those too and just different investments. I'll do the due diligence. I'll vet all the sponsors and operators. You know, we finance their property. So, I really get an inside look of the different values and structures and return profiles and experience of all these different groups. And then, somebody like any women—

Like me. I'll be your first one.

I want in. Right. Yeah. So, you could come in. They might be doing a, you know, $100 million data center investment, but you could come in with $50,000 and invest and still get the same on that $50,000. So that allows people to like really be able to invest in real estate and get those outsized returns without having to go try to build a 15-year career. Without having to learn it all.

Yeah, without having to learn it all. So yeah, I love it. That's about, that's working smarter, not harder right there. I love it.

Right.

I want in on that one. I'm going to be stalking to find out when that's happening. That's perfect.

Well, yeah, I'll keep you posted. I, uh, it's a, it's a big endeavor and, you know, as a people pleaser, right, I'm always like, ah, It always scares because with investments, there's always risk in everything that we do. Like, no matter what you invest in, there's always risk. And so I always just want to be, I want to be so particular, and that's what I'm building right now.

Think about the stupid things we've invested in. I mean, even if people are like, well, I've not invested, I've definitely made some dumb investments. But aside from that, what are we spending on things that literally are just materialistic and have no growth? So I mean, right, like more than that, I'm sure, on stupid stuff. Like, I think about my shoe and bag closet over the years. Like, what the heck? Like, I would— I don't even do that anymore because I'm like, why did I all these years do that instead of putting it someplace else? So I think that we're all making stupid investments every day. So that's so great to be so intentional and do that. Thank you so much, Hannah.

Oh, of course. No, I'm excited. So, um, thank you for having me on, and you're awesome. So keep doing what you're doing.

You're amazing. Thank you, Hannah. Thank you.