Deep down we all have the answers to our problems. Yeah, we do. We know when we should step away from something if we should continue to do something like it's in it's within us. Yes, you're ever looking for an answer. You just have to sit with yourself literally in a room a dark room, or when Kong's people. But I think there's so much going on in the world. Always connected to our phones and social interactions through our phones that we a lot of times forget to just be quiet and listen to ourselves so that we can kind of figure things out. Hey, what's good everybody and thank you for R tuning in to episode 11 of Highly invested where we invest in ourselves talk about personal finance investing in business while asking entrepreneurs about the investments in time money and energy that they've made that have gotten them to where they are today. I'm super excited to have a new guest on the show. She's a teacher a business consultant and an investing Latina originally from the Dominican Republic. She's living in New York City and saving for a rental property so you can find her content and what she's up to on Instagram at investing Latina. So Julie, how are you doing today? Hi Jordan, I'm doing great. Thank you for having me on the show. You're very welcome. Thanks so much for being here. And how is New York City? Good right now because it's fall. Then it'll be horrible. Yes. Unfortunately that time is coming in Canada too. And so is Central Park this time of year probably like the most beautiful sight in New York. Oh my God. It's so beautiful. I walk through it probably the week before last and not everything had turned but it's so it was a mix of a couple orange, but then it's still a lot of green left. But yeah, it's only going to get more beautiful and although I'm not a fan of the snow to see it is it's amazing. It is dark and could it does make winter winter? That's one of those things of living in a cold place that you know the seasons you can take them for granted or at least when I was living outside of Canada. I definitely miss the seasons a lot. So try not to take them for granted when I'm here. Wait. Where did you live? I lived in South Korea for two years Vietnam for four months in South Africa for about three and a half months. Oh my God, that sounds so amazing. I definitely want to go to all of those places. But South Africa, yes. Yes. Yes, South Africa is was an amazing beautiful country a great place to visit as a tourist. It was just a very big adjustment from Canada to live there completely and that's just something that you know, I could probably do it over again now, but at the time I just I just couldn't do it, unfortunately. So and tops it was very very tough. Just especially where I was but oh, yeah, you've got to go there like the nature Cape Town Table Mountain beside beside that the the ocean and then you've got that The Safaris all the wildlife. It's You got to try and try and see one of those at least at some point your life. Wow. Okay, I need to start saving for that. Yes, there's so much to say for opportunities are endless. So yeah, Julie. Thanks so much for coming on. I want you to share what inspired investing Latina. Okay, so I hat was inspired by by the term investing Latina because a a Latina I was born in the Dominican Republic and I moved to New York when I was four years old. So although I've lived in New York for over two decades. Now. I definitely resonate a lot with my Dominican culture and I am proud of saying to say that I am on a Tina and and I'm proud to talk about the things that I do and investing has become a very big part of my life ever since I realized the importance of it. Yes, it seems like everyone has a certain point in time where they do realize that shit. They've got to get their finances in order because that's they're not where they want to be. And yeah and exactly like the things that you talked about how it's important to not only invest in finances but everything else in your life. Well, thank you. I'm glad it resonate. So when did you first begin investing so I actually started investing when I was 19 years old and it was because I was working for a non-profit and they had a 403 b, which is what we call it here. The US and its a retirement fund designed for nonprofit organizations and I just signed up I had signed my offering letter and went to HR orientation and they were like, okay. Well we give you this free money if you sign up and I was like wait. Yeah, what did you just say free money and so I took it and it was so simple but oh my gosh so effective because I was simply putting in $50 a month into that account. Ain't nothing and now it has grown so much. So that was that was really my first experience with investing and at that point. I didn't even realize exactly what I meant or what it was but I just knew that I was doing something good for myself. Yes. That's a very powerful realization that you can have two and just goes to show if you start small even with $50 and it will grow that's the whole concept of investing right? So, yeah, that's great. Absolutely. I always encourage people to do that just with whatever you can I mean I got I am speaking like I know someone that is it has a lot of debt right now and they're trying to pay it off. But at the same rate, I'm just like, you know, what just put $15 into an account. Like I'm not kidding just start and trust me, you will not regret it. So yeah starting with with anything is important and nowadays. It's easier than ever to start small because We have so many different options. Now. That's a great person has 20 years ago. So it's always always a great idea to just get started. I can seem crazy and confusing but once you start you kind of never stop. Yeah, it's only scary when you start and then you're just like, holy crap. I'm getting value out of this. Yeah, if your world. Yeah. No, so I love I do love the name though investing Latina and like do you feel lucky that you you ended up coining that when you did because I feel like if you didn't grab it at that point. Someone might have tried to take it from you know, what's so funny. You shout out a fellow Instagram. Marriage a millennial because he was a person that I was talking you know him, right? I do. Yeah, possibly a person that I was talking to. Please starting that name, right? Okay, and I was talking to him and I was like, oh my God Instagram is giving me a hard time. I can't use investing Latina and I'm like, ah, give me some ideas. I need something else and he was like, how about the investing the Tina? I was like, oh do you think so creative like the Facebook? Oh, yeah, but it was it's funny because Something so simple, but when you're like in when you're so emotional about something sometimes you don't even think about, you know, just a simple thing that you can do to change it or to make it work but luckily enough. I just had to go through the whole Instagram process where they wanted to make sure that I wasn't like a scammer or whatever it is. Okay. I see I guess some names are probably a bit more sensitive than others. So you might have showed up on their radar. Yeah, so I just had to like send them a selfie of myself which you know what I'll probably post one of these days with the flow with the name on it and they were like, okay fine. You're good good. Yeah, I do feel lucky to have gotten the name and I think it's it has grown into so much more because now I've always been very interested in in giving back and teaching. I mean, I'm a teacher now I teach at a state school here in New York. And I'd love to do that. Like I'd love to teach others everything that I know. I am not going to the Grave with the things that I know like I want to make sure that I get all of that out of myself and passed on to others. I love that sound more teachers though that just want to do it out of passion and to give back as opposed to, you know, getting getting Summers off, right? Yeah. No II and love to do it and I have gotten a lot of messages from from people and And it's funny because the platform isn't just for Latinas. I talk to people from everywhere. I personally am a Latina but it has definitely attracted a lot of girls that are like me which is awesome because they happen to be going through the same thing that I'm going through they happen to want to know what I have done and are looking for advice. So I think that's the most like motivating part of having a name that can really Grab others. Yes, that's that's very true and to touch to touch on your point there just like getting those messages the even the rent one. You might be having a bad day. But you just get that message from somebody that reaches out and says like hey, I love your content. Thanks for thanks for putting it out there and they might ask you something or just your opinion like that really makes all the hard days worth it. Yes. I totally agree. Thank you, but then you realize you know, there's more to life than what we don't like exactly let's let's be positive and so getting those positive messages really actually likes me up a lot. That's good. Yeah, I'm glad to hear that. I remember I saw this quote recently the other day it was like Being rich is hard being broke is hard to choose Your Heart Right, and I've been out. baroque And that was very very hard. But you learn how to get through it, you know, and yeah and like like a says you decide which one you want to which one you want to be challenged by. Yes. Exactly. And that will ultimately Define, you know, how you move forward. So it's important that I think people try to make them more responsible choice sooner. Yeah last time we did we've tried it before over over Instagram and I remember when you started the account you had a Eva Longoria As the main picture now you are have opened up a little bit and and it's great to see your face on the account. But what was the original inspiration on using using Eva Longoria again? Yes. So I love everything that she does like she is obviously a well-known actress and she also has a lot of philanthropic things that she she does. So for her when I started the the page originally I'm made her my icon because I planned on being anonymous and being extremely transparent about numbers and all of those things and I started kind of like this like little investing Latina feature and she was the first one and then I did Jessica Alba. She was the second one and then I did Selena Gomez. She was a third one and then I ran out of investing Latinas and that's when I'm like crazy. I'm like, okay, so I guess this ends here so that was actually more. So when I got to that point the wake-up call aren't inspiration for me to continue to do this so that there could be this more sort of visibility for Latinas that are you know, investing and in creating opportunities for other people whether it be through philanthropic Endeavors, or even if Through Business Development all of these things. So I really appreciate and respect what she does. She recently launched a sort of campaign to teach Latinas how to be entrepreneurs. So I'm really looking forward to seeing more of that and when the the companies that come out of that is going to be something like really interesting to look forward to yeah identify with two because it's just such a great point. I only knew I belonged Longoria as an actress and I had no idea that she'd been doing other philanthropic or entrepreneurial Ventures. So just goes to show that you know, you get tired of acting he move on to something better. Yeah, exactly. And and I think the whole idea of investing a lot of people in the fire Community talk about how important it is not only to cover what your needs are going to be but also to extend a hand financially to others And I think that at her level with all the success that she has amassed throughout the years. It's the right thing to do that definitely is and you know, hopefully with time and as things change and we keep progressing will see more and more of that. It's definitely hopefully I'll meet her so she's like on my I must meet at some point list of you have you started the Emer at all? I've talked to her in things. Yeah, so I guess that does go to DM. I'm sure you probably noticed you maybe maybe hopefully start I I really do hope so, I mean she's not like base. So it makes it a little trickier but I she comes to New York all the time and the funny thing about that. Yeah, is that someone that I know saw her in the street and they immediately thought of me like a trigger? Yes Eva Longoria's that Columbus Circle. Okay, guys go up to her show her my page. Yeah, ever tell you your blow-up over never know gotta clean it out there. Exactly. You got to Envision it that's what super cool about using Instagram for to connect and network and meet new people like-minded people as well. Just it's a very valuable tool to touch your last point to on people reaching out and people that are similar to you. So true. Yes, great. So I want to ask you the big three quarter Stone questions that I like to ask so in if you can think back Julie and think, you know, what are three big investments in your life that you've made maybe good ones maybe bad ones, but Means either in time money or energy that have taught you something very valuable that has gotten you to where you are today. So my first the first thing that I spent a lot investing in was my education and I seriously do not regret it one bit. I was at my I have a sister that's 17 years old and is applying to colleges and we also have another sister who's 25 and the 25 year old ask me. She's like hey, do you like wish you had done anything differently in college or your go through your path or anything like that? And I thought about it really hard and I thought no and Not to say that I did not have challenges because trust me I did right I gotta do different degrees. I changed Majors. I picked up a minor. I stopped school like a full semester all these things. So it was a whole big process but it is one of the things that I do not at all regret regret, and I'm so happy that I didn't bust those six years because it did take me six years. That was a super senior in college. I spent six years really investing in myself and trying to figure out what it was exactly that I wanted to do. I had initially gone to school to be a fashion designer and I studied that and I got my degree in design. I ended up working at Ralph Lauren for the man himself and I did that for about a year and a half and literally at that point. I was a beautiful experience because I learned a lot from him. Him, I learned a lot from The Amazing team that he keeps around him. But it also sparked something else in me. And that was the business side likes just watching someone that in the flesh that has built such an amazing brand. Yeah such an amazing American brand was extremely inspiring to me and I knew that you know, there was more to this and that was really what pushed me to change my major. That's okay. Amy wrong. Yeah, like in person. Yeah, so, yes, so I used to work there. Are our division which was the runway so the things that you see walking down the runway hmm on Thursdays and it was a long day. I would work we would be there from probably like 8 a.m. Until maybe 8 p.m. Sometimes 9 p.m. On Thursdays because he would come in and the afternoon and we would just spend hours putting stuff together for him getting feedback all of these things. So interesting. So yeah, it was it was such a great experience and I loved that I was able to use the things. I've learned from my design degree. Yeah to get to that point. Like how many people can say they like they've worked with Ralph Lauren so many that's like your top of list of people's mentors that I've interviewed so far. So hey, yeah. Absolutely. We top of this for a while. That's all. I did it. I got it through really just pushing along and networking and talking to people within my fashion Community. Great. That's one thing. I did not do when I went to University and I took it for granted and I do regret that I wasn't more outgoing and I didn't Network as much about the time. You know, I personally just didn't really I wasn't raised to network and to try and seek out opportunity like that. So I would show up go to the university do my classes and go back home and I was living with my parents. That's just not fun either. So it's super nice to hear how you you know, took the challenges and you know Steer them the way you wanted to go. Not everyone does that? Yeah, right. Yeah, it's funny because I feel like I consider myself very extroverted in a lot of ways, but I also need quiet time for myself. So even though I can be very outgoing and I'm passionate about a lot of things that I talk about so I can get a little while about it. That's better really but I passionate in boring. Yeah, but I really do also get a lot of my energy from just being quiet and at home and recollecting and doing these kind of meditations and yoga so so I consider like myself a mix between the two there might be an actual term for that out there. If you guys know tell us what it is, please please let us know and send a message. I know that there's all those personality test Lance Briggs. There's another Speck like I guess you could say spectrum of like extroverted introvert and introverted extroverted, right? I don't know but I would say I'm probably closely in line with you Julie. So that's refreshing nice great. So at that point I had been and I had already been investing because I worked for that nonprofit. So my money was kind of just like they're working for me. Oh, yeah. I was really putting anything into it at that point because I no longer work for them. But the the money was still invested which is nice, right? That's the way you want to do. We want money to work for us when we're not working. Yeah, and you got to leave it in there for at least a couple years just to see the difference. Yes, so I saw that point I had been in school for three years. I was working at Ralph Lauren. I decided to go back and really focused on the business side of fashion. And that was also when I pick up the economics minor so all of these little things kind of have molded me throughout the years because I think without having also that might that minor in economics. I probably would be less interested in economics today and personal finance in the way that I am. Today, right but something again that was sparked in me to really want to focus on how things work in the economy and how business Works in Fashion, which was specifically what I was studying and eventually I graduate. Hey guys, my parents were like finally and so what did after all that you see you had a fashion fashion designer degree. Yes and minor in economics. And what was your other degree? Yes. Sizing management. So it's it's design merchandising business management and economics. Very very young very versatile. Yeah, it's kind of a lot that is when you look back I'm speaks to who I am as a person and and you kind of feel no because you've seen it on my page and if you guys follow along you'll also see it that I do talk about fashion and fashion like outfits and passion, Miss. Steaks that I made and too much money spent on fast. So true your pages so colorful and yeah, bring a lot of different aspects to it. Yeah. Yeah, so that's kind of how I am as a person. So I was really happy to have invested in six years of my life into getting a degree or multiple degrees in things that I really enjoy and love good that I still use to this day. That's awesome. I think that's all you can hope for you. An opportunity, you know, it's easy to take it for granted if you're not in the right mind set so good for you. Yeah, and you can say, you know the design degree. It's not like I'm a designer right now, but it really taught me and I think that's something that that kids that are going into college to really think about like the what you actually study is an important part of it. But what school at the end of the day is designed for is to teach you how to How to think like make it? Yeah. Make your get more abstract. Be more creative. Yeah, and when I say you can figure out how you are and what makes you unique how you learn you can really make anything happen. Very inspiring. It's so true. I was thinking today. I was like, I got to make a list of what my strengths are here a lot. You gotta focus on your strengths. Yeah, both of conversation, so I didn't Doing it. I was quite busy today with work and I had another podcast interview. I will write them down. I'll try and do them tonight and I'll get back to you but I think taking in the show. Didn't the PO - Oh, thank you. I'm glad to hear that because I like I think I have a few of these strengths but at the same time like I've never genuinely asked other people what they think my strengths are and it's probably better to get an objective opinion than just what I'm used to because obviously I know some things I'm good at but there's a lot of things that I probably downplay that I am better at to so yes, I think a lot of people including myself are like that and and even when someone says, oh what a good things about your tell me about your strengths you almost start Think about your weakness right away. I won't like you know, and so true and it's so weird the way the mind works but that I found that that has happened to me and I'm just like, oh, you know that question like what what should I not be saying, you know? Yeah. Yeah. No exactly. You're just like put Millions initiative is such an important thing and you definitely do that. So shout out to you great. Thank you. I will not stop. That's for sure awesome. So another Investment any other so School great time in your life. You took advantage? What's another one that really one that you can remember? So another thing that I invested in a couple years ago was my own personal finance. I unfortunately living in the crazy fashion lifestyle and we are sitting hey, it's not cheap and in New York City and traveling and all of these things thinking that I could do it all quickly very very quickly got myself into a lot of debt and I decided one day, you know, this is this is the end of it. Like I don't want to do this anymore and I'm going to go for it and do everything that I can to not live like this because it didn't feel It didn't feel good to only be paying minimum payments on a card. It did not have control. It didn't feel good too emotionally shop for things or emotionally experience things because I was running away from the debt. So I really took it upon myself to just focus and say no to a lot of things so that I can stay yes years later like I do today into the things that I do so I do find it hard at the time. Oh, yeah. Yeah. It was definitely painful. I get I don't know if it was physical pain, but it kind of felt like it at the time because I just wanted to do so much and I had all these invitations and all these opportunities to do just fun and exciting things. But then at the end of the day, you really have to kind of weigh out how important is it? What's it gonna cost? Ask me and those are the kind of things that those are the conversations with myself that I had didn't have right before that. I had to start having then and I quickly just figured out that it was going to be hard. Yeah, and it took me about two years to get out of all of my debt. So it was it like School dead or consumer death. Oh, no, it was not school that at all but something which is even words and it's still very embarrassing for me. I still haven't publicly Aired how much that I was in you don't need to share this year. I think about it or you blocked it out. You're like I do not ever want to think of that again gone from a dark place. Life really was I was extremely unhappy and I felt very defeated. Hmm. So I wanted to change that because I knew that I was better than that. I knew that I was powerful. I knew that I was smart. I knew these things about myself but I wasn't proving it in the way that I was managing my finances. Yeah. So yeah, I think realization but it's a good one, right? Yeah, right. Yeah. Absolutely, and it's hard to kind of look at yourself and be honest with yourself Mmm Yeah and say, you know, you're an idiot sometimes and not in a negative way or it is a negative way but not in a way that will the next thing will be a negative action. But in the next thing should be a positive action, you know, so like that was dumb be better do better get better. So the that's kind of what I did and I spent one year one full year not buying a single item of clothing, which was really my I got him very nice device. Oh, yeah. Wow looking back at some of the posts that you've put like, I'm not gonna say anything out here, but those outfits were very like embarrass your anything. Those are some beautiful outfits, but I'm looking at the price tags like yo, you know, you'd have to pay me to buy those. It was crazy. She looks good though. Yeah. Yeah. Yeah. I mean that's what I was going for. Yeah, but yeah, I definitely I spend one year and not spending not buying a single item of clothing and that kind of catapulted the whole debt free Journey good. Yeah for me and this was years before it became in an Instagram culture as it is today. Yeah. Yeah, let's keep takes time, but it's cool to think back and just be like yeah, that was before I do so, right. Yeah, so I guess I didn't call it that free Journey. Yeah, but that's exactly what I was going for. And that's what I did and I say that I invested in that because I had to change my lifestyle. Yeah, and that requires an investment you have to do things differently. You have to think about things differently. So I no longer went shopping Friday. Kids that were spent the day shopping Saturdays I was doing you know dinner's at home on Friday night. Well, there's a lot of opportunity cost at the same time. There's risk, you're missing out on seeing friends. You do have to say no to some things in order to then. You're just like well, I'm not spending money. But what else do you just got to find new habits to replace the old ones and it's not easy, but after all that did you feel like an like you came to some sort of level of like closure and contentedness? Yes. I did. I feel like I lost You know some friends along the way or you know, you would think we're or who you would think we're friends. But at the end of the day, oh, I read something recently about friendship and how relationships in general are assignment. And I found that to be really interesting. I've never really thought about it in that way but in my young and my operators were good on what you mean by that so from what I Gathered from that reading was that every relationship you have is an assignment. It's an assignment for you to offer something to the other person or it's an assignment for you to take from that experience and you can really choose isn't that great and you could really choose what it is and sometimes we don't necessarily know what like have you ever been at a job and you don't even know what your role is? Yeah, because it's like a start-up or whatever the case may be or Or just that's pretty much where I'm at right now. I don't know where my role as but I've almost never felt like more confident in where I am at the same time, but I do know what you mean another way. That's just sorry. I just want to say because I've read I remember reading somewhere to is that just like anyone that passes through your life that you end up in a relationship with like, you know, you can have unlimited soulmates that in the world that you end up meeting if you just happen to have that encounter and you know, yeah, whatever your experience is. Do you know for me it was like these assignments. With friendships people that I constantly was surrounded by but at the end of the day, they weren't really good for me or going in the same direction that I was going essentially. I was growing as a person and other people around me were not so that's when you have to make the decision like am I going to continue with this assignment? Yeah, or am I going to move on take what I've learned and grow from it. That's an amazing way to look at friendships. Yeah, looking back, you know some friends you meet there. They can be very open. So if you haven't seen them for a year or two you run into them again, it feels like you haven't missed a beat and you pick up where you left off, but then some friends. Unfortunately, it seems like who aren't is open or used to sharing you see them after a while. It can just be like pulling teeth is really hard. And you know, yeah, that's that's sucks. But I guess that's the that's the end of an assignment right? It's not It sucks for me because obviously they when you're in a relationship with either friends or even if it's a family relationship that has become different or evolved into something that you don't want it to be anymore. You have to know when to kind of step away from it and deep down. We all have the answers to our problems. Yeah, we do. We know when we should step away from something if we should continue to do something. Like it's in it's within us. Yes, you're ever looking for an answer. You just have to sit with yourself literally in a room a dark room. Sometimes forming Kong's people. Always connected to our phones and social interactions through our phones that we a lot of times forget to just be quiet and listen to ourselves so that we can kind of figure things out and I had to do that throughout the debt free journey, and I invested in that I invested in really just being with myself getting to know myself figuring out new ways to live and still be in a lifestyle. That I felt was good for me because it was all fun and games before but I wasn't holistically in line. Yeah, as I am, you know today as I try to be everyday more every single day. I grow a little bit more that's good. So Ira investing in personal finance those couple of years really getting to know it's that studying different books and people And talking to people about it really helped me Allah. Yeah, it definitely accelerated your growth just in life taking those small steps and now you're here, like look where you are now, it's great because before like no one wants to be in a negative net worth. No no, and I was for a very very long time and it was pretty sad. It was depressing but you if you keep going and if you stay motivated to not do it and if you keep Investing in yourself and breeding. I mean you don't have to spend money to invest in yourself. Enjoy that library card and you have unlimited access to knowledge. Yeah, and even today I literally have I think probably somewhere around 14 15 books checked out of the library. You're gonna go charge late fees if you don't read those I know there was one. I trust you. It's fun because I do have. My and then I mixed it up with library books, but I definitely want to tell the people that are out there that are going through a debt free Journey, like don't feel pressure to buy things. Like if you can afford a book, that's fine. If you're going to stay within your budget if $25 is too much for you. That's fine. Do what works for you and the time that it's going to work for you. So I really think the advantage of all these all these resources when I Flat and dead broke. That's probably the best time to send up, you know coming across those and changes everything. So yeah Gregor so much from them. So for your last investment, what would be number three? Well, since the first one that I talked about was time and now this one really was a kind of about the second one was personal finance. So it was kind of a subject that I invested in learning in that's more knowledge my third. Will be literally monetary investment and thought is definitely my retirement plan. So those $50 like I told you guys that the beginning made the world of a difference because even when I was super in debt, I continue to put a little bit of money in there and do what I can and just keep it going so that it grows. And what year did you first make that investment? I was 19. So that was in 2007. Okay, so that was a party at the like right before our recession. Yeah, right before the crash but imagine that you just what you're doing is as the as the prices are going down the biggest recession you guys have ever seen you're just buying more gobbling up more and more shares. Yep, and just goes to show from the you have that growth from 2012 up until now and you're just like, huh? Laughing. Yep, maybe exactly so it was really great and and I was able to really learn more about investing. Through watching that account grow and seeing what I was invested in and what was happening and those years that we had 22 percent increases. We're so good so good. That was that was 2017. I was like what I like this smell 2019 were also seen like a record high. Yeah, which is amazing. But that is definitely one thing that I always encourage people to just do just start start small start. Retirement account because yes, you're going to retire in 50 years, but that's exactly why you should do it. Yeah. Yeah, you probably plant everyone plans to be alive in 50 years. They say, oh, you know, I might die something like yeah, but realistically you want to be alive. So why the hell aren't you preparing a little right? Yeah. That's great that you mention that because I one thing I try to convince any person that asks me about money or like tries to see what I'm about someone that I might not have seen in a while. She's like no I I just want people to know that if you just start with one Index Fund one low-cost Index Fund that's probably going to be enough to for you to realize that there's opportunity and you're going to learn the rest yourself as you go and like you have the your whole life ahead of you. So whether you're starting with just 25 or 50, like people just think you have to day trade or you have to get into stocks, but it's exactly the model. We followed a little bit into a fund and that's all it is. Just consistency. Yes and keep doing And keep watching it grow and every quarter or take a look at it and see you know, what was good. What worked what didn't work and maybe you can make a you'll get to the point where you can make adjustments based on the things that you're learning. Yes. So I definitely encourage people to get started just throw it in there and then little by little I'll take a couple of a couple minutes a month to look at it and see what's going on and soon enough you'll be talking about it. Yeah, that's so true. Really great point so valuable just you know, better people can start before they have to find out the hard way. But you know in time at least we'll be on Instagram for people that need the need the guys. I know. We obviously love to do that. We're like less than people. Yes I have for these your future self. Will thank you, please please whether yeah, like what do you hear my annoying voice echoing in your ear 10 years later like fuck I should have listened to that guy. Just you know, keep doing it. I remember the year that I care was saying it was one of those years after the recession that I spoke to my uncle out of one of our family reunions. I have a huge family of like 50 cousins. It's insane. Nice Asik Latino family. It's so much fun. It's so crazy. And so I just remember talking to him and he's like, you know, you've been out of school for a little while like what's going on? Like how much are you investing in your 401k? When I was like, oh, you know, I got like five six percent in there something like that. He's like are you kidding me? He's like you have no kids. You have no significant other. He's like you have nowhere. He essentially said you have no responsibility. That's essentially how he broke it down. It's like you have no responsibilities. You should be investing more and I was like, you know what you're right and I start putting in 10% So tonight is my of my salary and that was that was so great. So I really We thank him. His name is Andrew. Maybe I'll send this to her. Yeah, you said well, thanks Andrew for the advice and for encouraging me to save more when I was able to yes, that is that's just like being able to hear good advice and take it and run with it. So yeah, thank you. Andrew. Good man. Good uncle. Yeah, totally totally. That's awesome. Yeah, like a lot of times people don't realize the impact that they leave on you or so. It's always good to just yeah if you can say Thanks, or let that person know that they did help you because they'd probably be super super happy to know that. So yeah, I'm happy that you do this for others as well now from thanks for all of your post. You're very welcome. I mean, it's one of those things where I feel like I'm most can't control it. I've just over time. I've gained the knowledge and I just I have this drive to want to help others because I think personally myself I'm fine like I'll be good. Good with money. However, I'm with however, whatever my salary is I'll be able to balance enough money that I have cash and I don't need to touch my investments and to me right now. It's just more important to show people that you know, there are people out there that want to help and get them on the right track if they're willing to ask and yeah, I get a kick out of this just as much as I would going up to see some friends too. So and like this we get to catch up and yeah, it isn't a great like how we met and we've become Friends now it is 10 years from now. We're going to talk about this maybe like How to remember what? Yes when I have the money to just come fly down to New York for a weekend or you can come yeah, that's what I'm talking about rebuilding these ridges will figure out a travel hats for that. Okay. I know I ain't care has her she's on top of her game with the tomahawks. Yes. I definitely need to message her and see if we can get her on. You know, I have a lot of good experience with traveling but there's always more of these points these new business models that keep coming out. It's just there's so much to learn and try to take advantage of so, yeah and it Just got complicated every a little bit more complicated. I'm not going to be that they just change and they are changing quickly, you know, so it's it can be a lot to keep track of but like even myself I had to like Google travel hacking spreadsheet because I was becoming overwhelmed with so many different cards and options and things and you gotta organize that yeah. Yeah, and you had definitely have to strategize to get the most out of it. So sometimes I look at my points and I'm like, yeah. Me just spend it this weekend. And then I think now come on you're better than that. Yeah little bit of self-control is a long red hairs balcony. I'm like, hey, well, you know I sent her DM and I'm just like but she's great. You definitely have to get her on the show. Just so many people that just get on and pull great information and wisdom out of so lastly. What are some new things that you're up to now, I noticed that your page is kind of shifted to bit towards real estate. What's what's next for you? Yes. So right now I'm definitely looking to invest into a rental property and I've been showing a lot of kind of open houses that I go to and after I do the open house, I do the here are the numbers and I share them with Instagram and everybody gets like really excited about them because this is the kind of thought process that you have to have any time you invest into anything. Yes, you have to kind of weigh out the pros and cons. You have to really think about what can go wrong before you can make a very smart decision on it. So I've been saving for a while for a property specifically for a rental property. And now I'm hoping to really make it happen. Then hopefully within I don't know maybe the next year. I have no specific brush to do it. Yeah, I don't need but right now I'm learning as much as I can and I am going to as many open houses as I can just to get well versed in the whole real estate world because I personally do love to negotiate successfully negotiate anything is to really know your stuff packed. Are you cursing on this? No, no, I said fact but oh, yeah, you can curse if you want. I feel like I've been keeping it clean. I don't I think it's because I'm speaking. Dang it man. You guys are so nice. You can swim. I didn't feel appropriate because I'm such a New Yorker. I'm like Crossing all the time. Although I try to decrease but essentially in order for you to be a great negotiator. You definitely have to know what you're talking about. So getting well first before you really pull the trigger, even if those people that are out there on the market looking for a home for themselves and their family I encourage you go to 50 open house. Is before you make a purchase know what is entailed like do as much research as possible. So that's kind of where I'm at now, so I'll definitely keep you posted. You'll see ya I'll thank him for sure. So you're gonna have a nice view of I will are you going to have a nice view of Central Park or my God? No, so, where are you looking though? Like you have any areas? Because I don't I know obviously Manhattan Island and then you've got Long Island, but are there any like which areas are seem reasonable for you? Yes, absolutely. Absolutely. No view of central clearing because I would that would require probably I don't know like ten million dollars minimum and that's like with a tiny window. This isn't like offal floor-to-ceiling window 10, really? Rooney's tiny glimpse of the Park. Yeah, but but no I II Westchester which is right above the city it's like 30 minutes north of New York City funny enough where I live now, I can see the Empire State Building simply because I live on a hill and the building that I'm in which is a rental. I'm on the top floor of that hill so I see that Empire State Building in the distance every time there's a clear night. I can see the colors on it and you know what? I'm gonna I despite with that that's good. So I do love Westchester because of how green it is and it's a suburb, you know, I really like the quiet life when I'm not in the chaos of work in the city. That's very important to have that balance. And when it is New York City, one of the biggest ones out there. It's like it it makes total sense to be out there and try to take advantage of more green and yeah about it your honor. I've got a view For sure, imagine note of all like kind of the Flatlands of New York. You're probably on one of the few Hills. So that makes a big difference. Yeah. Yeah. Yeah. I love it up here. That's good. And this is where I'm looking. So if you follow me, you'll see that I look for places in throughout lower Westchester. Okay. Well, so for anyone that's in the New York area definitely follow at investing Latina and get your fix on real estate information amazing. So funny. I love it. Awesome. Well, thank you so much for being on the show Julia. Where can people find you. Thank you so much Jordan for having me. I really appreciate it. Thank you for inspiring. At me with all the things that you do, but you can you guys can definitely find me at investing Latino on Instagram. I'll have a my website will be launching soon and my goal is definitely to share like tricks and tips and hacks specifically on things like credit and how to manage taxes and how I invest my money. So if you guys want to follow along on the journey, feel free, I'll be there amazing. You have to go follow. This is hugely important information, and it's all free. Realization recently to like if you have the opportunity to ask someone that has done it and knows versus someone who gets paid always get the second opinion from someone who's done it and who knows, right? Yeah. Absolutely. I think that's why people really ask questions because they really want that first hand experience. Yeah today. It's it's different when you hear it from someone that has emotionally gone through something or Versus someone that just talks about it because it's something that they studied for a long time. Yeah, and they're getting paid. It's so true. It's yeah definitely want to always get a second opinion ask questions. So any any last word of advice that you want to pass on? Yeah, I mean, I hope you guys continue to learn as much as you can from listening to this podcast. Jordan is great. I'm reading his book right now. So hello. Thank you. Good luck. You guys that girl money and make sure that Just a highly invested. I like that. Hey, thank you so much. I wanted to do that for a while the pain name, but it just took me getting over the fear to climb we're doing but it just feels like it feels good. I love it everyone you can find highly invested on Spotify Google podcast breaker radio public and it's now an apple podcast. You can also find it at anchor dot f m / highly invested. I will be trying to figure out a way to have it pasted right on make Mark apple.com. So it's even easier for you guys to access but that is our show thank you so much for coming on again. Julie always applied it. Hi, everyone. Hey, well, we'll be in touch. So everyone thank you for listening. If you like this, please subscribe like share leave a review not in that order. But whatever you can to pass this on to people who might be interested. This has been the episode. Thanks so much for listening and I'm sending off to a highly invested in yourself till next time.
Episode 11 features Jully, the Dominican born, New Yorker who teaches, does business consulting and aims to empower other Latina's to take control of their money with her account on Instagram, @investinglatina. Jully began her debt free journey in her 20's, coming to terms with her spending habits while tackling and completely paying off the consumer debt she had accumulated and began her journey towards financial freedom. This allowed her to construct the lifestyle she confidently lives now, as she takes on the topics of credit, taxes and real estate so she can spread financial awareness and help others save more money and take control. Her website will soon be up and running at www.investinglatina.com Her biggest investments: Her education, her personal finance and ultimately in herself and what she really wanted. This podcast is for anyone who wants to learn about personal  growth, finance, investing and business concepts or feels the need for a mindset shift. My mission is to create a world of financially literate individuals who take responsibility and practice discipline to be the best version of themselves. By openly communicating,  sharing objective information and learning from personal experience, we can spread financial literacy and mental health awareness, reducing stress and improving the quality of life as it helped me. Be the change you want to see and people will notice. It shouldn't be so bad to talk about money so get highly invested in yourself. 