Financial Feminist - 45. Side Hustle 101 with Jannese Torres (Yo Quiero Dinero)

Episode Date: September 27, 2022

Two financial educators are better than one, so we’re thrilled to be joined by Jannese Torres, the host of the Yo Quiero Dinero Podcast and Latina financial educator. In this episode, Jannese and Tori answer questions from both the Her First $100K and Yo Quiero Dinero communities on everything side hustle and building a small business. You’ll hear their stories of dumping corporate jobs, figuring out their value proposition, and what they wish they had known when starting their side hustle journeys. Get resources mentioned in the show, learn more about our guests, and read episode transcripts: https://herfirst100k.com/financial-feminist-show-notes/side-hustle-101 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Welcome back, financial feminists. Welcome back. Welcome back. We are so excited you are here. Thank you for joining us for yet another week of the podcast. We have been releasing new episodes of the show for six months now in season two, which is absolutely, it's absolutely crazy that we've been releasing six months of new episodes, which was in contrast, season one was six weeks. We are so excited that you're continuing to love the show. As of this recording, we have hit over 6 million lifetime downloads of the show, and we get new listeners constantly. So we are just so thankful for you coming back and listening, re-listening, sharing the show. I don't think we imagined when we launched it back in May 2021 how successful it would become and how valuable

it would be to so many folks in our community. So we just so appreciate your support of the show. If you are new to the podcast, please make sure you're subscribed. It's the best way to continually find the show. And feel free to leave us a review. Reviews are a huge deal to us. We love reading them as a team. And when you subscribe, rate, and review, it really helps us grow our podcast and assist us in being able to get really great guests for you all. So without further ado, today's guest is no exception. Janice Torres, which, oh, hold on one second. We had this whole sidebar. My mother's name is also

named Janice. It's spelled differently, but it's such a unique name that when I found out her name was pronounced Janice, we and I was so, so excited. Like I have met maybe one other Janice other than my mom. And so it was very exciting. Janice Torres is an award-winning Latina money expert. She became an accidental entrepreneur after a job loss led her to create a successful Latin food blog, Delish Delights.

Now she helps her clients and listeners build successful online businesses that allow them to pursue financial independence and freedom. Janice is on a mission to educate marginalized communities on topics like entrepreneurship, investing, and financial independence through her personal finance podcast and platform, Yoquero Dinero. Her forthcoming book, The Financially Lit Latina, will be published by Grand Central Publishing in early 2024. Janice and I sat down and interviewed each other, and then we put our heads together to answer questions sourced from our communities on everything from owning a small business to your biggest personal finance

questions. This is a great episode if you want to learn something new about entrepreneurship or about those frequently asked personal finance questions. And Janice is a total badass and just an incredible financial creator and educator. You'll love this conversation between us. So without further ado, let's get into it. I would say thank you for being here, but also we're trading things. So it's like, it's a mutual, we're excited that both of us are on each other's show. I know, this is so cool. So we're doing a joint podcast recording and just, you know, talking about side hustles, passive income. The thing that people want to know, I think, about side hustles, passive income. The thing that people want to know, I think, about us more than anything is like, how the hell did y'all turn this into this, you know, empire, if you will? And

so I'm so excited to chat with you and connect with you and talk about this today. I'm excited too. So tell us about your journey. Tell us about what was the like catalyst for getting started? Was it always, okay, I'm going to take this full time? Walk me through the full business journey of growing a side hustle into now your full-time hustle. Absolutely. So this was not part of the plan. I always like to preface that and say I had a very specific list of things that I was supposed to do according to my Latino parents.

So they said, graduate from school with good grades, preferably grades high enough to get a full scholarship. So we don't have to pay for school because we can't pay for school anyway. So there's that. And then go and get a good job, preferably one that has a pension, and go live your life, you know, and go, go do the thing, go work for 45 years, buy a house, get married, live the American white picket fence dream. And so, you know, for a long time into my mid 20s, I was on that trajectory, I graduated from college, got a full scholarship for that, got my master's degree in biotech. So I went into the STEM field, because my father was an engineer. So I said, I'm going to do that,

because that sounds like it makes a lot of money. And then by the time I was 27, I was like ready to drive my car off a bridge metaphorically because I just hated my entire life. And I'm like, wait a minute. What was it about it that you really hated? Was it like working corporate? Was it like what for you was like, God, I'm getting up in the morning and I hate doing X. You know what? I think about it now and I feel like this idea of what corporate America is, where it's just like, you know, the majority of your working life of your adult life is dedicated to spending eight plus hours every single day working in a cubicle. I mean, I had no windows like I couldn't even see the sun. I didn't know what time of day it was. I was always in environments where there was a lot of people who did not look like me, a lot of white men. And I always felt like the Latina who somehow tricked people into hiring

me because there's no fucking way I'm actually qualified to be here. There was a lot of imposter syndrome, a lot of microaggressions. I definitely found out I was being underpaid. And for me, it just felt like, is this what I wanted to be an adult for? Because this is not what I signed up for. Yeah. I mean, I'll talk about it, but I had a very similar feeling. Yeah. I would love to hear your story because I feel like I don't know much about your corporate past before you made this business leap. I mean, it was briefer than it felt. Like I look at it on paper and I was like, oh, that wasn't too many years. But like, yeah, I literally and I'm sure people listening, it feels very similar where, yeah, you're getting up every day and you're like, is this it? Like, is this what I'm doing for the next

30, 35, 40, 45 plus years of my entire life? Like, is this what we're doing? Yeah. So I graduated college with degrees in organizational communication, which I like to say is marketing with less math and a degree in theater. And I was like, okay, I'll do social media. I'll do marketing. And so got into my first job out of school.

It was a great job in terms of experience and in terms of like, I, I'll do social media, I'll do marketing. And so got into my first job out of school. It was a great job in terms of experience. And in terms of like, I was getting to fly certain places. I actually went to the Oscars one year, which was crazy. But the most toxic work environment, like very misogynistic, sexual harassment all of the time, blatant alcoholism, like a bunch. It was just it was a really bad environment. And so I was there for about a year and nine months. And I thought when I was getting into corporate, like, oh, I'm going to be climbing the corporate ladder. Like, that's the dream. Like 22 year old me was like pencil skirt, coffee, briefcase, like marching the city like and I know that's a fantasy because I hate pencil skirts. I don't drink coffee. I don't carry a briefcase. It was so obvious now looking back,

that was a complete and total, the rom-com version of what we think the corporate environment is. The Devil Wears Prada looks so glamorous on this big screen, but it's not real. It's not real. I thought that that's what I wanted. And then very quickly was like, I don't like making somebody I don't respect rich. I don't like having to show up even when my work is done. I don't like having to request to go on vacation. And also I only get 10 days off a year or something crazy. And so very quickly realized, okay, I want to be an entrepreneur. And I knew that even before. But I thought, okay, if I can do it by 30, if I can do it by 30, got into another job, quit after 10 weeks,

because it was so toxic without another job lined up. Shout out to emergency funds. I talk more about that in my book of just like the importance of like having money to leave situations you don't want to be in anymore. And then got into what will be my last corporate job, which was at a fintech startup and was running social media content marketing for them and then growing her first 100k on the side. And then it got to the point where her First 100K was unfortunately perceived as a threat. And the success at HFK was perceived as threatening to some individuals at the corporation. And so it was like, OK, I need to quit.

And by then I had momentum. I had money in the bank. And I was still scared to quit. And I'm sure we'll talk about this more. But I was terrified to quit my job. Yeah. And then, of course, everything worked out. So oh, my gosh. I'm feeling all right about it. You know, that's incredible. And I love the fact that both of our journeys started with the frustration in our current lives. Right. And I think it's important for people to realize that, like, when you feel that way, you should not ignore it. I think a lot of us, especially as women, we're just like, just be grateful. Like you made it so far. Well, because we're told that, right? It's the, and I can't speak to, you know, an immigrant or a person of color standpoint, but for my

conversations with friends of color, like it's double, right? And you can probably speak to that where it's like, as a woman, you should just be grateful for your opportunities, right? Or just be grateful you have a job. And then you have all of these expectations on you if you are a person of color from your ancestors, from, you know, if you're first gen, that's a whole other thing. So yeah, I think that that's all too common. Yeah, absolutely. Yeah. I mean, I can't tell you the look on my parents face when I told them I was going to quit my corporate six figure job with the pension at a fortune 50 company and benefits. And they're just like, are you fucking kidding me? Like, do you do you understand what we went through to get you here?

Like, do you really get? And I'm just like, guys, I mean, isn't this the point, though? Like, isn't the point to open the doors so that then we can do reckless shit like quit our job to do tiktoks like isn't that the american dream isn't tiktok the american chinese dream like i think i think to your point it's so beautifully stated of like if you have this feeling i think one observe it don't just bury it but two like i think again we're taught as women to sacrifice everything that we want for other people yeah maybe that's for your kids maybe that's for your partner maybe that's for your family maybe that's for just like society's expectation of what and

who you should be and one of the most powerful things, I would argue, the most powerful thing that we can do as women is realize what is actually serving us and what do we actually want versus what do our parents want? What does our partner want? What is society expecting of me? Because often those things actually aren't aligned, but you owe it to yourself to do the thing that you want to do, even if at least in the beginning, there might not be as much support. Absolutely. I think, you know, it's important to just remember that it's nobody else's job to live your dream. And when you have the opportunity to explore like what you actually want to do, I think that opportunity can come from putting yourself in a financial position where you are not struggling anymore. Right. It's hard to dream. It's hard to imagine starting a business when you're living paycheck to paycheck.

So I think, you know, the first thing to do is really start setting up your money in a way that's going to allow you that financial parachute to take that leap. And I know that's something that we both did in our journeys. Yeah. So let's talk a bit more about that and like the nitty gritty logistics of that. For me, that looked like setting up an automatic transfer of even a small amount of money from my checking to my savings, every single paycheck. And you can do this. I've talked about this so much on this podcast, but you can do this through your payroll platform at work typically, or if that's not offered, you can set it up through your bank. Maybe that's, you know, 20 bucks or $100 or 5% of every paycheck because you want to build that emergency fund, right? That emergency fund is going to give you the ability to have, like you said, a parachute. And that's what I did.

And I'm sure that's what you did as well, or some element of that. Yeah. So when I graduated from my master's program, I had about $30,000 worth of debt. And so I knew that I needed to get rid of this in order to feel comfortable with taking the leap. And so that's honestly why I started side hustling. So I started my food blog in 2013. And I was like, I think this is something I could turn into a business. I saw other people

doing it online. And so when I was able to start monetizing it, instead of using the money to like, you know, buy designer bags or like take trips to Cabo, I'm like, maybe I should just use this money to pay off this debt because the faster that it's gone, the more options that I have. And, you know, student loans are one of those things that even when you die, somebody is going to have to deal with them. So I knew like, if I get rid of any debt, it's going to be this. And so once I became debt free, I was able to use all the money that I was getting from side hustling to fund my emergency fund, to fund an FU fund, which is separate from an emergency fund. And I also started to accelerate my investing because at that point I knew about financial independence.

And I'm like, this is exactly what they say to do. Take all the extra money you have, put it in investing accounts, build your financial parachute. And so by the time I was ready to quit my job in early 2021, I decided to take one last diagnosis, if you will, of my finances by talking to a CFP. I was like, I just want to make sure like somebody else is looking at this, right? It's like, I don't want to perform like the brain surgery without the qualifications. So let me get a professional in here. And, you know, she took a look at my investments, took a look at my emergency fund. She's like, girl, you gotta quit last year. But you know, I a look at my investments took a look at my emergency fund she's like girl you gotta quit last year but you know I love the conservatism yep I had the same thing where I wasn't I wasn't looking at my numbers because I was actually too afraid to quit like I told myself as soon as I was making enough money as much money if not more money than I was making in my nine to five I could quit my job and I purposefully ignored my numbers because I knew that if I got honest with myself, I actually was making enough money and then I would have had to quit. Right. Like I purposely didn't look. Yeah. I don't blame you. You know, accounting is scary, especially as a solopreneur.

Yeah. Well, and for me, it was more like if I look at the numbers, then I've made the promise to myself and I will have to quit. And I was terrified to quit. So yeah, very similar. Like I could have quit long before I did. Can we talk about the quit story? Because I feel like that's always such a juicy part of this. I have a quit story I've actually never discussed. Oh my god. Can you discuss it? Or is it like a non-disclosure? There is no non-disclosure. Sure. I can talk about it and we can cut it later if we want. Okay. But I do want to, I want to touch on something that you

said before. You said like, okay, I wasn't buying designer bags. I wasn't going to Cabo. I wanted to pay off my debt. And you and I are not about deprivation, like not at all. But I think something key there is you're like, yes, Cabo's great. Yes, designer bags are great. I wanted this other thing more. Right. And it's not like deprivation. It's actually I know that the other side of debt is this things I might want because I know that long term it's going to be better, right? It's self-care. It's like, okay, I'm going to do the hard thing right now because in the future I'm going to be able to take as many fucking trips to Cabo as I want. Absolutely. Like cool. And I was still traveling while doing my debt payoff, but I would travel hack with credit cards. I would do staycations. I would do like a local Airbnb where it wasn't going to cost like

a ton of money. So you have to be creative too. You can be a tourist in your own town while you are, you know, achieving your financial goals too. And I think the value-based spending that we both talk about is like, that's what clicked for me because right. The consumerist capitalist environment that we live in just teaches you to acquire all the things as soon as you can. But it's like, do we really need to be buying a house? Do we really need to be driving the Mercedes? Is that the mark of success? Or is the mark of success being able to walk away from your fucking job in your 20s or your 30s and have all the options in the world? I know what I want. I don't give a shit about the Mercedes. I will drive my 2016 Acura till the fucking wheels fall off. I have a 2014 RAV4. 2014 RAV4.

That's it. Certified pre-owned. Love that car. Love that car. Yes. Okay, quit stories. Do you want to go first? Sure.

You know, because it was funny when you mentioned that your job found out about your side hustle. I had the same thing happen where my coworker outed me to my boss. And then my boss set up a meeting and was like, Hey, I heard you're quitting your job on Instagram. Hello, awkward. But it was about three days before I was planning to quit. So I already had my resignation letter written and was just literally waiting until the day of my birthday to give it to them. So this was like three days before my birthday. And I said, okay, well, I mean, yeah, that's, that's accurate. I was planning to quit on Monday. So it's Friday. So here's my resignation letter. Okay. The most awkward fucking meeting you could have. They didn't know about it before.

Well, I never told anybody directly. But I'm assuming some people just started to follow me because I wasn't necessarily shy, you know, about promoting myself. So yeah. Or, you know, using a fake name or like there's plenty of people, I think, in the personal finance community who I think less and less so now. I remember a couple of years ago, like a bunch of people had avatars. Yeah. And they like blogged under a different name or something like that. Oh, wow. I didn't know that. Well, and we'll let's let's answer that question. Now we have a question from the community of like, should I tell my job about my side hustle? Yeah. Because my job actually knew they knew from the get go. That's actually part of why I was hired, which makes the story really

shitty. But we'll talk about it in a second. Yeah. So I don't know. What's your opinion? Like, should your job know? I think if your side hustle is in direct competition or conflict with your industry, then you might have to tell them, right? Like if you are a certified financial planner, licensed financial advisor, and you are also trying to be a financial influencer, not going to happen. Okay. There are laws, the SAC, regulations, all types of stuff that will prohibit you from giving financial advice outside of your, you know, job. So in that case, I think it makes sense. If you're doing something completely different, where like, you know, I started off as a food blogger, and I was working in like pharmaceuticals, not in any way related. If that's the case, then, you know, you don't necessarily have to disclose. I think it's also important to read the anything that you signed when you got employed, if there's any case then you know you don't necessarily have to disclose I think it's also important to read the anything that you signed when you got employed if there's any you know

thing that says that you can't have a second job that you can't have your own business just make sure to read before you sign yeah and I think for me my my last job knew because they were in fintech and I had a bunch of personal finance contacts. So actually, I think that was part of the reason I got hired was I presented, hey, I have all this, you know, traditional nine to five work experience. But also, I know this industry really well. And I have, you know, contacts, and I have, you know, been able to hit these sorts of milestones with my business that I can duplicate or help duplicate in this. So in that way, it worked great, obviously, until it didn't. So I think it is a case-by-case, situation-by-situation basis. Again, my background's

marketing. If you work in marketing and you do freelance marketing on the side, I think you're probably fine. I think that actually helps boost your resume. I have a ton of friends who work in their nine-to-five and then they do consulting for whatever they do in their nine-to-five right I don't think that's a huge issue however yeah you have to be very careful about how it interacts with your nine-to-five and being really clear because unfortunately a lot of these bosses still are not pro side hustle they are very anti side hustle so while you are, you need to at least perform the act of you working. Yes. And I say perform because there are sometimes I was not working on my thing that I should have been working on.

So at least put on a very good performance. Make sure you're doing your work because the last thing you want is a performance review where they're like, actually, I don't feel like you're proving yourself or doing your work. And then the side hustle becomes the issue. Yeah. Or you get fired and then you got to make this shit profitable ASAP because now you got no choice. And that's a lot harder. Okay. My quit story. So like I said, my 9 to 5 knew about my side hustle. That was part of the reason I was hired. But I was hired in late 2018. Or no, it was early 2018. It was like March of 2018. So HFK didn't really take off to like 2019 when we rebranded. At the time, it was like more of a blog focus, had maybe 4,000 followers on Instagram. Like we were tiny. And then I

rebranded in early 2019 to her first 100K and things started taking off. So I was featured in MarketWatch and CNBC and a bunch of these different places. And one of the things that I really tried to do, which I did not have to do, was incorporate my job into these interviews in order to get them press which again I'm so I'm still bitter clearly about this something I did not have to do but I wanted to do is kind of like my good faith like hi actually this thing is benefiting you as well because it was my like trying to convince them that the side hustle is not a threat to you. So I got all them all these like backlinks, all of this web traffic from my press. And my direct boss still is a huge supporter of me and a huge supporter of what I do. And was very like pro all of this. The other two, there were three co foundersfounders. The other two founders did not like it and saw it as a threat to their business.

These are two straight white men in their 40s. And I, a 23, 24-year-old, am seen as a threat, which I think hysterical. Seriously. So it keeps growing. It keeps growing. It's gaining momentum. it keeps growing it keeps growing it's gaining momentum and it gets to the point where I can't bring it up in the office because it's pissing a lot of people off and I'm going to my boss and I'm like I'm trying to mend this relationship like you know I do good work and he's like I

think just the perception is that like you care more about this other thing which is 100% accurate but like the perception from the other two co founders was that I had one foot out the door, which wasn't entirely inaccurate. But also I was doing good work. It wasn't like I was neglecting my work, right? So I hit my 100k goal. The origin story of her first 100k was me saving 100k at 25. Hit my 100k goal announced it like very quietly in the office to like friends, went on vacation to celebrate and I got the call for Good Morning America while I was on vacation. Came back, did GMA. It was great. Then I have a coworker pull me aside.

This literally feels like an interrogation. This coworker takes me to a coffee shop and is like, so I heard from someone that you have been stealing our PR contacts for your own business. Oh, one hundred percent not true to insulting because the assumption was, oh oh the only reason she's getting this press is our resources wow and three super hr shitty because this did not come to my boss to discuss or this did not come to me directly it was this co-worker and one of the co-founders getting drunk at a weekend retreat and him saying too much. Lord Jesus. I am in complete panic. I don't like being in trouble. I'm going like, did I? I don't remember. I don't think I did because I was managing the PR team for the startup. And I am in complete and utter crisis. I'm just like so stressed out.

I'm not sleeping. My boss is actually on vacation. And I'm wondering like when he gets back, is there going to be a whole conversation? So I headed off. I asked him for his time. I'm thinking he's going to be like, we're firing you or like some sort of thing. I go in, he has not heard any of this, has not heard about any of it. Because again, it's like rumor mill grapevine shit. No HR processes, no any of that. And I go, hey, well, here's what I've heard. And he's like, and I was like, I didn't do that.

That's not what happened. And we had a really honest conversation for an hour where he was like, what do you want to do? And I was like, I don't see this getting any better. Like I have gone above and beyond to prove myself. I've got above and beyond to like leverage my work for the company. And like, I don't know how it gets better. And he's like, are you saying you want to quit?

And I was like, I just don't know. Like, I like it here, but like, I don't know. And he beautifully, like so helpful was like, okay, entrepreneur to entrepreneur, you have money in the bank, you have momentum in your business and you're profitable. Now is the time. Yeah. And that was the permission slip I needed to quit. Wow. And turned in my resignation the next day. He got me three weeks of severance, which was amazing. And then the co-founder who made up a bunch of lies about me messaged me on Slack and he was like,

hey, I'm really proud of you for going for it. Good for you. Oh my God. I was like, fuck you, dude. But I was just like, thanks. I appreciate it. Thanks so much. The funny thing about this company

is they're now requesting to work with us. Oh, my God. The karma. The ultimate fucking karma. And again, I love my boss very much. I don't think they'll ever listen to this, but I loved my direct contact. I loved my boss. Just the rest of it was a startup.

That was just like there was no HR. There was no anything. And the fact that a 25-year-old woman was seen as a threat, I was like, was no HR, there was no anything. And the fact that a 25 year old woman was seen as a threat. I was like, yeah, sounds about right. You should if that's how you feel like great. Okay, I'll rise to that occasion. That was that took a while. But that was my quit story. It was like it was a lot. Oh, my God. You know, that's an incredible story. And it's funny because you know, they do say if your best marketing tactic is having a shit on somebody else, how solid is your product anyway? So there's that. Incredible. because I was like, the only reason you think I got this opportunity is because of your resources. Like, it couldn't be my own prowess.

It couldn't be my own intelligence. It couldn't be my own hard work. Like, in their universe, or at least this person's universe, his only perspective was, oh, she got this opportunity because of, you know, our labor. Oh, God.

Crazy. Crazy. Yeah. Madness. I'm so glad you got out of there. I'm so glad we both figured out that we are capable of so much more. And I think it's time for us to give folks some tips for them to also figure out what their secret sauce is going to be. So let's talk about that.

Let's talk about like, how did you figure out how to actually make money? Right. Because we have a lot of cool ideas, but not all of them are going to make money. What was your first like, you know, striking of gold in your business? Yeah. I mean, I walk people through what I call the three T's when you're side hustling or when you decide in a side hustle, because this is a question that I get all the time, which is like, I want a side hustle, but I don't know what I should pick. Like I have a bunch of,

a bunch of passions. First is time. How much time do you realistically have to give to this thing in a way that doesn't completely deprive yourself of everything good in life, right? The term side hustle is a very like marketing term. I'm not a hustle, like grind till you die, hustle your ass off person. Like that's not it. And I don't think you are either. Like time is really important. Like how much time are you willing to dedicate to this thing? And not how much time are you willing, but also how much time do you realistically have? So one of my practices that I do with folks is literally take your calendar, take a random week and be like, okay, if I were to put a side hustle into this current calendar, where would it go?

And maybe you have 10 hours, maybe you have two hours, right? And so you have to figure out like realistically, what does this look like? And in addition, is this the sort of thing, is this a sort of side hustle where you like work at a gym and you have to show up at a specific time? You know, you're a barista and you have to show up at this specific time? Or is it if you run your own business, if you're a freelancer, like, okay, I have more flexibility on when I can work on this as long as I turn it in on time. Yeah. So I think time is the first one. Second is treasure. Do you want to make money? I'm assuming you do, right? Some people just want to have like a hobby on the side. If that's it, cool, no worries. But with treasure too, how quickly do you want to see money? Because for me, I didn't see substantial money for at least two years. And that was a specific decision.

I didn't see substantial money for at least two years and that was a specific decision oh my god thank you I had the same exact experience and I'm like what the fuck is with these like Instagram gurus that are talking about million dollar businesses in two weeks because the shit ain't half it's not real no no that's a scam it's a fucking scam like again I didn't make money for a while like at least substantial money and so for for me, it was, okay, I'm willing to, you know, pace myself in order to see hopefully stratospheric growth later, which is what happened. If you're starting a business, that's probably what's going to happen is you're going to have a period of time where you're not either going to make any money or at least good money. So also, if you're the person out here who's just like, I'm going to start a business and I'm going to quit my job, please, God, don't do that. Like, bad idea. If you're somebody who's like, I need to make money now, I have debt to pay off, I, you know, side hustle isn't a privilege for you and a side hustle is a second job,

that's going to be a different decision than, okay, I have a little more time to grow. job, that's going to be a different decision than, okay, I have a little more time to grow. And the third thing for me is talent. That's your third T. What sort of talent do you already have? What can you leverage? For me, I was a social media marketer. It made sense to do something related to social media on the side because I was good at that. If I was like, I'm going to go teach ice skating, bad idea. Can't do that, right? So you have to decide, is this something that I want to do in my side hustle? Is this something that I want to do more of? Or do I want to teach myself this other thing in order to do it on a side hustle? So I think for me, when I started making money, I got really clear about my vision for the company. I got really clear about who I

wanted to talk to. And in addition, I was able to, again, leverage those skills I already had as opposed to like going out there and trying to teach myself a bunch of new things that I'd never done before. Yeah. I love that advice. I always tell people to think about what is the problem that you are equipped to solve? Because when we think about a business, that's literally what they do. I mean, Amazon is the business that keeps me from having to leave my house and interact with human beings. Like that's the problem that they're solving for me, right? Instacart allows me to just get groceries delivered to my house. So I don't have to go out and spend hours every week

doing that. So it can be something as mundane as like, you know, who's going to take care of my dog while I'm on vacation? Or how can I start investing? Or how do I start a blog? Or how do I open a restaurant? You know, like there's so many different things, skills that we acquire both personally and professionally throughout our lives. That can be the thing. You know, you're already exchanging your skills to an employer for X amount of money. What if you just cut the employer out and go and give the skills to someone directly? That's what you're doing as an entrepreneur. So it's important to just think about your personal and professional skill set and see what can you solve for people and then just try shit. Because I'm pretty sure

not everything worked out for you. We didn't always strike gold in business. And anybody who tells you that everything they've fucking done was like a million dollar business. No, you're not always going to get it right. No. And you figure out what you're doing by doing it. I want to say that again. You figure out what you're doing by actually doing it. Liz Gilbert, who is like my idol, wrote Eat, Pray, Love, Big Magic, among other things. She talks about perfectionism being a horrible, terrible thing. Perfectionism is not a prize that you should wear on your shirt. You should not be proud of perfectionism.

She says perfectionism is fear and stilettos. It is the fear of getting started, right? Because what if it's not good enough? What if I don't know what I'm doing? I don't know how to make a website. Oh my gosh, what if I build all these other things? So what I think a lot of business owners do or potential business owners is they put so many hoops in front of themselves as they're like, oh, well, I can't get started until I have a logo. I can't get started until I have a logo. I can't get started until I have a website. I can't get started until I have brand colors, right? And all of the intention behind that is good, right? Oh, I want a brand. I want it to look great. I want people to be able to find me. But really what you're doing is you're putting barriers in front of yourself

so that you can take the leap later right it's kind of like what i did of like i'm not gonna look at my money uh that i'm making in my side hustle because then i don't have to quit right like you kind of just have to do it her first 100k was not her first 100k victory media was the original name of her first 100k wow that was tells you nothing about what i do it was like a a play on my name. Like that has no, no like relation to finances. Right. And I learned over time that like, oh, I wanted to talk about money. And so I learned that by doing it. So if you're the person out there who's like, okay, I want to start a business, but like, I have to do all these things. You don't, you make a like logo on Canva

that takes you five minutes. It's going to look like shit. That's okay. It doesn't matter. You'll be able to do this great logo in five years when you have money. Okay, website. Literally, I launched HFK on a random December night because I had three blog posts. I threw them up on Squarespace and I was like, cool, my business is launched. That's it. You have to get started. You really do. And I think it's also important to let go of the idea that you need a guaranteed return on your investment. Ooh. Yeah. Okay. Because if you think that, you know, any effort, any money that you spend on your business that maybe doesn't pop off right away is a waste of time. That's a really terrible perspective to have. The first couple of years is honestly like experimentation. It is trial and error. It is figuring out who you are. What are you talking

about? How are you going to package your services? What is your price point going to be? Who is attracted to your messaging? If you don't give yourself a chance to figure all that shit out, you're going to set yourself up for disappointment, I think. Yeah. And we're talking, of course, about running a business. If you are the person who wants to side hustle. And again, it's like freelancing. I mean, technically running your own business if you're freelancing. But like something that is, you know, truly a side hustle might be a little different than what we're talking about.

But I think the number one, if like literally if you're listening to this and you're like biking or jogging, I need you to stop and write it down. This is like, this is like the best business advice I can give you. There's a thing called a value proposition and it is the thing that you do better than anyone else, right? You were saying it's your secret sauce. It's the same thing. Is your product better than anybody else, right? You were saying it's your secret sauce. It's the same thing. Is your product better than anybody else, right? Like the scrub daddy had a better product than any other product. That was in no way new or novel, right? But he created a sponge that was better than every other sponge on the market. That was his value proposition. For me, my value proposition is really my advice isn't anything new. Truly it isn't, right? You can Google Roth IRA, right? Or

you can Google how to budget. My value proposition is I'm giving it to you in a feminist, like unabashedly feminist way to use money as a form of protest, right? And what is your value proposition? I'm going to put you on the spot. Your value proposition, your secret sauce. Yes. Oh, I love this question. So for me, it's all about giving women of color, specifically Latinas, permission to say, fuck you to the struggle. Because honestly, like, that's just what we've become so accustomed to that it's like the default operating setting for so many of us. And so my whole mission here is to introduce folks to the idea that we are worthy of building wealth. And I'm going to give you the tools to get there because other communities have been using these same exact tools for generations. And there is no damn reason why we can't be doing the exact same thing. Yep. So the value proposition, I think, for both you and I is not necessarily new info, right? We didn't create a better sponge. but what we're doing is we're packaging it in a different way yeah right or we're specifying the audience we're going to talk to and the way we're going to talk to them for

both of us you know it's a lot of yelling the word fuck you know it's like it's it's feminist it's specific to the community we're talking to And so if you don't know your value proposition, one, maybe start and find it and it will evolve over time. But be really clear as to who you're selling to, what is unique about you. And yes, there are a bunch of people out there already doing what you're doing. That's the other question I get all the time where they're like, but there's so many fashion influencers. Yeah, there were so many personal finance experts. However, you and I have both found success because we figured out what our value proposition is. We figured out who our audience is. So figuring out what makes you different, what is going to elevate you, is it your products better? Is it your branding is really on point? Is it you're talking to this

specific audience? Figuring that out is going to be incredibly helpful. Absolutely. I always tell my students, just go to the supermarket and walk around the bread aisle and see how many fucking brands of bread there are and tell me that there's market saturation is a thing. It's bullshit. Okay. And English muffins and French bread and bagels and seven different kinds of bagels yeah everything totally okay one of the most common questions i get taxes as someone who side hustles i think this is yet another barrier people put they're like i don't understand the taxes so i i don't know talk to me about taxes okay so first off the biggest myth that I hear from people is like, I don't want to make

extra money because I'm going to pay more in taxes. Okay. That shit triggers the fuck out of me. Cause I'm just like, wait, that's like saying I'm not going to lose any weight because then I got to go and buy new clothes. I'm sorry. What? Like cut it out. Okay. That's the number one. What I need y'all to know is that the minute that you open a business you have unlocked a secret portal into the irs tax code that w-2 employees do not get okay and i'm going to give you a very very specific example of how i am hacking the shit out of this tax system every single day. My business reimburses me for a portion of my rent, water, electricity, gas, housekeeping, maintenance, and then some. Okay. Whose fucking job is reimbursing you? You know, those people that are listening to this right now that are working from

home. I want to know, is your boss paying for your internet? Is your boss paying a portion of your rent? Are they reimbursing you tax-free? I don't think so, but my business is doing that. So let's get out of this bullshit narrative of like, oh my God, more money, more problems. No, honey, more money, more options. That's it. I spent $500 at the plant store the other day because these plants are going in my home office. There you go. We joke at HFK that business money, anything that goes on the business credit card isn't real money because we get to write it off. I took my team, my core full-time team, I took them to Disneyland, VIP Disneyland for team retreat. Oh my gosh. I don't even want to tell you how much this costs.

This is, it was so expensive. However, it was a team bonding experience and also something personally that I have always wanted to do. And it's my own company. So I decided we're going to Disneyland on team retreat and we're doing VIP Disneyland. And it was fantastic. We skipped all the lines. Steven, our lovely tour guide, guided through all of it. And we wrote it off as a business expense. Yeah, I can't I mean, I don't know what to I don't know what to tell y'all. But I will say, I made a huge mistake as a side hustler for many years, because I for some reason didn't interpret the fact that this was like actual money that I would have to pay taxes on. And so I did not pay my estimated taxes, I would get hit with huge tax bills every year. And after five years of doing that, I was like, I think I'm not doing this right. And I finally got a CPA, she told me

about, you know, paying your quarterly taxes. And so now I set aside at least 15% of all of my revenue for taxes. There are ways you can optimize too. I would even recommend 30. I would recommend even more for folks listening. We do 30 to 40. It depends on how much you're making, but set aside money for taxes every single month before you pay anything. I did the same thing. First time I ever side hustled, I was like, oh my God, I made $30,000. That's so much money. And then it came to be April. And I was like, oh, I mean, I made 70% of 30, which is still a lot of money. But like that was a lot less. So set aside in a separate high yield savings account than all of your other high yield

savings accounts, specifically money for your taxes. And you live in Washington state, right? So you're getting a tax out the ass. That's why I to Florida I'm like you know what there's no state income tax here so I get a little bit of a break I know I know many many uh things I'm looking into currently about about adjusting that I would say the other thing with taxes is if you do run your own business you are a business owner so you are now not operating under a W-2. A W-2 is the tax document for a nine to five employee. You are rather, if you're a freelancer, you're probably doing some contracting work. You're like a 1099, right? You probably do need a business license. A business license takes

like two seconds, guys. Like truly takes two seconds. You just go to your state Department of Revenue website. like it's so easy so again a lot of people think like oh i need a business license i'm like yeah that'll take you two seconds and like two hundred dollars like and that's a business expense you get to write off so if you're thinking if like getting a business license setting that up is is the barriers you're putting in front of yourself i promise you so easy yeah absolutely i think it's just important to find a professional that can help you in your state, right? Because the laws are going to be different depending on where you're incorporating. And so, you know, when all else fails, call up your Secretary of State's department,

call up the Small Business Association for your state. Like your taxpayer dollars are funding those departments. So use them for what they are worth. I had a situation when I was changing my business, um, operating location from New Jersey to Florida. I got a bunch of paperwork from the state and they're like, you have to pay sales tax. And I'm like, wait, what? I'm not even selling like actual physical stuff. So I called them up and they said, no, they just sent that to you by accident. You don't have to collect sales tax because of your specific business model. So ask the questions. There's no such thing as a dumb question, especially when you're doing something

as novel as starting a business. I love it. Okay. One last question, I think, before we move into some rapid fire. Okay. It is for the people out there who are like, okay, I think I'm on the precipice of quitting my job. What is the quick and dirty to-do list of things that you went through, and then I'll share mine, of the things I needed to feel secure before I quit? Number one, becoming debt-. Like that might not be a realistic possibility for folks, you know, especially if you have a mortgage, if you have a lot of student loans. But for me, I knew that I could not comfortably take the leap without being

debt free because I'm like, I don't have someone I can go and rely on. I can't have my parents go and start paying my rent. And so for me, becoming debt free, funding my emergency fund up to 12 months, because as an entrepreneur, you know, that steady paycheck ain't coming no more, at least for the beginning parts of things. And even still to this day, you know, I still have peaks and valleys with my income, but I've been able to create enough of a cash cushion that that stuff doesn't stress me out anymore. but I've been able to create enough of a cash cushion that that stuff doesn't stress me out anymore. Another thing too, figuring out what you're going to do for health insurance, right? The fact that this country is so damn ghetto that we tie health insurance benefits to employment makes it hard for a lot of folks to make that decision, especially if you're a single person, you're not married, you can't leverage a partner's insurance plan. So thinking about that. I love it. I talk about what I call the ramen noodle number. I would echo everything you just said. That was that was my that was my

thing. I actually still had a car loan, but it was like nothing in interest. And I almost paid it off before I paid it off, like quit my job in November. I was done paying it off by February. So it was like it was quick. OK. Ramen noodle number. It is like your bare bones living on ramen noodle. Like what is the number that you need to be making in your business in order to afford your life? Now this ramen noodle number is twofold. Personal ramen noodle number and your business ramen noodle number. What is the bare amount of money you need to be making in order to cover your own personal, your rent, your insurance, your, you know, whatever, your daycare? Second, what is your business ramen noodle number? What do you need to be making to afford your business, your canvas subscription? Maybe you're paying somebody else as well. You're hosting website fees, right? hosting website fees, right? And if you are consistently making at least as much money in both of those, that might be a sign you're ready to go. And that's consistent. That does assume,

this is not sushi numbers. This is like your ramen noodle number, right? This assumes you're not spending a bunch of money on the fun things in life or that you're not able to grow your business necessarily. This is more just like, what is the bare amount of money that I need to make in order to afford my life and keep the lights on? And so if you haven't done those numbers, that's your next step as well is figuring out, okay, what am I making? What is my life expenses? Am I willing to actually, to your point earlier, like cut down on some of the luxuries in my life to hit my goal sooner if you're not no worries but for a lot of people i'm like i don't want to stay in this job for another goddamn minute okay cool then make temporary sacrifices in order for you to live

the life that you want later absolutely yeah this is not that top shelf ramen y'all this is the college ramen yeah this is ramen noodles in the package for like i don't know actually with inflation what they cost now i was about to say 49 cents but are they really i don't know i would i would not be surprised oh i remember where you could get them yeah like two for a buck i don't know if that's still a thing maybe that's jesus okay let's do some rapid fire questions about a variety of different financial topics. Sound all right? I love it. So, all right. Let's start off with some investing questions because I know you love investing and it's one of those topics that I feel like

still intimidates a lot of people. And so for someone who has just left their job and has a 401k, what's the best plan of action to handle it after you leaving your job? Okay, you have two options. You can roll your 401k into a new jobs 401k if you are going from one job to another job, or you can roll it into an IRA. You have these different kind of tax like asterisks, right, with a 401k or an IRA. So we talk more about this on the Financial Feminist side on a couple of previous episodes. But basically, you have a traditional 401k or a Roth 401k or a traditional IRA and a Roth IRA. It gets a little dicey if you have a traditional 401k and you're trying to roll it into a Roth IRA. It's not impossible.

It just takes like it's another step because you're going to now get taxed on that money as opposed to waiting to get taxed later. We have a free tool, again, on the HFK Financial Feminist side called Capitalize. It's literally free that will help you roll this over and do the whole process for you. And it's completely free, which is great. On the other side, again, it takes a couple phone calls. Make it part of your money date, financial self-care time of like, okay, I'm going to set aside a half hour call some people get it rolled over. I would recommend rolling it over as soon as possible, because you will forget about it. And then you'll have like, potentially six different 401ks just like hanging out in the

ether. And that's just not not worth your time trying to manage all of that. No, absolutely. That is money, y'all. You would not abandon a bank account. So you have to treat your investing accounts the exact same way. And a quick hack for entrepreneurs. If you are planning to quit your job and you want to take your 401k with you into your now individual 401k that you're going to set up as a business owner, you can absolutely do that. So when I quit, I rolled over my corporate 401k into an individual 401k and just redistributed the money

that was in there into my own investment portfolio. Amazing. All right. Another question. If I have low expenses, is there such a thing as contributing too much to a 401k or to a brokerage account? A brokerage account is just a general investing account that's not for retirement. Listen, I don't think there's anything wrong with just throwing all of your excess money in the market because with every dollar that you're investing, you're literally buying back your time. You are literally buying your freedom by investing. And so if you do exactly what this person has asked, keep your expenses low and invest the rest. Honey, you will be living your best rich auntie life on a yacht somewhere way sooner than most people. So do it. Yeah. I mean,

if you have high interest debt, 100% pay that off first, right? If you have credit card debt, yes, that is your priority. If you don't have an emergency fund, that is your first priority. But beyond that, I mean, that is what I do. I don't have debt. I keep my expenses relatively low. I make a high amount of money compared to my expenses. And any money that I'm not reinvesting back into my business that becomes mine gets immediately put into my tax advantage retirement accounts, my IRA, my 401k. I do everything I can to max those out. And then if I max those out, I move to a brokerage. Brokerage has no restrictions. You can throw millions of dollars a year into a brokerage account if you have it and want to. So yeah, I think if you've got it and you don't have any other goals that you're saving for, 100%, just go crazy. So what would you say to women who feel like they're never going to reach their first 100K?

Her first 100K, the very name is meant to be flexible. The 100K could be very similar to mine where it was 100K like save slash invested. The 100K could be 100K net worth, which is typically a lot easier for people to get to. Could be 100K debt paid off. Could be 100K earned in your business. The 100K can be whatever you want it to be. And the reason, besides my own story, why we named it her first 100K is because there's the joke that the 100K is the hardest. You start seeing incredible compounding returns in something like an investing account when you have that first 100K.'s so true that's when like you start not having to muscle your way through it right and

it's like somebody grabbing you know the weight that you're lifting and pulling it up a little bit for you and so i think if you are in that that point where you're like oh gosh this like sucks like i'm paying off debt but I don't feel like it's moving the needle. And I'm like trying to invest, but it seems scary. And like the stock market's like shit right now. I totally get it. The thing is to create small habits that will build over time. Again, if it's $20 a month, that is better than nothing. $20 a month set aside in something like a Roth IRA or a 401k or a high yield savings account is better than you being like, well, this is never going to happen. So I'm just going to say like, fuck it and not try. Yeah. Like that's not, that's not the solution. And continue to allow yourself grace, give yourself

grace and kindness, just like learning anything else. It takes time. You're not going to, again, I was doing like a shit example of like learning how to ice skate before. Like I'm not getting out of there and immediately looking like Christy Yamaguchi, right? Like if I'm learning something new, it's going to take months, if not years to get good at this thing. Yeah. And that, that is just going to take, it's going to take some time. It a hundred percent is, and it's going to take a lot of grace for yourself, but we're looking for progress over perfection. I love that. Okay. One of our last questions from our community. Any self-sabotaging message that you have had to overcome in your journey with money? Yeah, I definitely want to

hear your answer on this too because I feel like the mindset work that is required to master money, master entrepreneurship, just master life. I mean, it's an ongoing journey for me. I don't think I realized like how much I was going to confront about my own limiting beliefs in this journey into entrepreneurship, you know, just like things like comparison, things like imposter syndrome, things like just, you know, questioning your intelligence. I mean, you'll confront all of that and more. And for me, I think the biggest roadblock has been the comparison trap of just letting the Instagram real highlights be how I measure up my own success. And I think it's important sometimes

we need to put blinders on. I think it's important for you to maintain perspective that when you follow people, especially on social media, you are following their highlights. You're not seeing the hardship. You're not seeing the crying, the tears, the fear, the holy shit, what the fuck am I doing? Oh my God, I have to call my therapist because this feels ugly, you know, like, and we all have those moments. And so I think it's important. Like when you feel that imposter syndrome, the comparison, you might be paying attention to what everybody's doing too much and not focusing enough on yourself. So I like to practice journaling because what I feel happens to a lot of us is we get caught in the daily minutia of life. And it can just feel like you're on a treadmill that's like going nowhere. But when you actually write shit down, and you go back and look and be like, holy shit, we did all that. Okay, girl, I see you. So you need to like really build those visual reminders in to remind yourself

of like how far that you've come. And I think that is, you know, really powerful place to be. How about you, Tori? I'm a huge journaler. So yeah, I couldn't agree more. I have two. The first I've I talked about of like, I kind of was weirdly resisting the thing I really wanted, because it meant I actually had to do it. And I love my parents, very supportive, very well-intentioned. But when I called them with this whole debacle of what was going on at my corporate job, they were like, well, you can't leave. You need, yeah, you need your health insurance. You need your consistent paycheck. They literally told me, quote, you need to do

anything you need to do in order to keep your job. Oh, damn. Yep. And I not only made the decision that was risky and that I felt was risky, but also kind of directly defied my parents. And of course, you know, I was in my 20s. I was allowed to make decisions for myself. But, you know, it's always a little scary, especially if you're close to your family, to make a decision that, you know, someone close to you is counseling you not to me. Now, of course, now I joke and I call them and I'm like, remember you told me to keep my job when I was going to quit and now I'm like doing great. But I think that that's one thing is really like we were saying before is understanding what you want, what you're capable of and taking counsel when you want to take counsel,

but also trusting that you know best. I would say my second thing, this was especially when I was getting started. You were talking about the kind of, you know, the highlight realist social media. I had a similar thing, but in a different way. I was looking at people's businesses and I was so impatient because I looked at somebody's business and I was like, I can do that. Like, I know I'm capable of doing that. Why am I not getting traction? Like the perfect example who she is now a colleague of mine, which is crazy. I looked at Jenna Kutcher's business, especially back in like 2015, 2016. And I was like, I want that. I know I can do that. I know I can host a podcast. I know I can, you know, have hundreds of thousands of followers, if not millions. Like, I know I can do that. I know I can host a podcast. I know I can have hundreds of

thousands of followers, if not millions. I know I can do that. Why is it not happening? And I got so impatient. But the thing about overnight successes, I put that in quotes, the thing about an overnight success is you discovered them last night. So they feel like overnight success is because you've been there for a night. Jenna Kutcher had been at that for years before I discovered her, right? And people seeing maybe my business now and going, oh, I want that. I've been at this for years. And so I got so impatient because I knew what I was capable of. I knew I was capable of that. I knew I wanted that. I knew I could get there. And I was impatient that it wasn't happening right fucking now.

And the whole thing is that if I had that business, if I had the business I wanted four years ago, I wouldn't have been able to handle it. Because it would have grown way too fast. I wouldn't have had the skills as an entrepreneur to be able to manage it. I wouldn't have known what I was doing because I didn't have those years of slowly climbing stairs. And even now, sometimes I look at somebody else's business and I'm like, I know I'm capable of that. But now I have the mindset and I have the perspective where I go, okay, I'm capable of that. Maybe that's not for another two years. All right, cool. That's what I'm building for in another two years or another five years or another 10 years. So I think I was so ambitious and that ambition

weirdly was like something that was toxic to me because I wasn't willing to be patient and understand, oh, they got to that place because they've been climbing for so many years. They are where I am now, but five years ago. Absolutely. So I think if you are starting a business, starting to grow something, and you are ambitious as fuck, I love it. You have to use that ambition as a tool rather than something that is going to actually like cripple you. Rather than something that's actually going to bite you in the ass, because you're trying to do too much too soon. Yeah. That is a gem, y'all, for real. Tori, this has been an amazing conversation. I know that folks are going to pluck out so many gems from this convo. First off, congratulations on

your forthcoming book, Financial Feminist. I'm so excited. And I'm definitely following you and your journey as now a soon-to-be-published author because I'm definitely like following you and your journey as now a soon to be published author because I'm starting off that journey now. I, I, I'm so scared. I have a laundry list of things to tell you. Like so many things I wish I would have learned. And actually, if maybe we'll do it like a joint episode, if people are curious about getting book deals, about writing a book, maybe we'll come back and that would be fun. You know what? That sounds like a brilliant idea. And I want folks, if they are encountering you on the Yo Quiero Dinero podcast, where can they find out more about you and follow your journey? Sure. So I am at her first 100k on

all the socials, H-E-R-F-I-R-S-T-1-0-0-K. I also host the Financial Feminist Podcast. I'm like you, so lovingly plugged. We also have a book that is available for pre-order now called Financial Feminist, Overcome the Patriarchy's Bullshit to Master Your Money and Build a Life You Love. That's the first time I've said my subtitle on the book without having to look it up. It's the first time I've done it. I'm sure I'll see it many more times in the coming months, but I'm like, yes, I got it. And if you are a financial feminist listener, please tell folks where they can find you. Absolutely. So you can find me everywhere at Yo Quiero Dinero podcast. You can find me at YoQuieroDineroPodcast.com. And if you just want to learn money in an unpretentious way that really addresses systemic inequalities, I mean,

you know, we both do that. So pick your flavor. You know, I think the more the merrier, we need so many more voices in this space. And I'm a firm believer that we will accomplish so much more together as community than we will trying to compete with each other. So I just want to thank you, Tori, for the work that you do to, you know, empower us to be badasses with our dinero because I mean, we really, we are unstoppable. And we have to have the tools to make that a reality. So thanks for what you do. Thank you for what you do. I'm so excited. Thank you. Thank you again to Janice for joining us for this episode. Please make sure to give her a follow

over on her podcast, Yo Quiero Dinero, and check out all of her socials as well under the same name. We've linked all of that in our show notes. September 15th to October 15th is Hispanic Heritage Month. And one of the best ways we can support heritage months like this is not just limiting them to certain months or days throughout the year, but to prioritize spending money with minority-owned businesses all year long and supporting those creators all year long. So please head over and support her work and her work specifically in the Hispanic community. Thank you as always for your support of the show. Thank you for being here and we will catch you next week. Thank you for listening to Financial Feminist, a Her First 100K podcast. Financial Feminist is hosted by me, Tori Dunlap,

produced by Kristen Fields, marketing and administration by Karina Patel, Olivia Koning, Sharice Wade, Alina Hilzer, Paulina Isaac, Sophia Cohen, Valerie Oresko, Jack Koning,

and Ana Alexandra. Research by Ariel Johnson. Audio engineering by Austin Fields. Promotional graphics by Mary Stratton. Photography by Sarah Wolf. And theme music by Jonah Cohen Sound. A huge thanks to the entire Her First 100K team and community for supporting the show. For more information about

Financial Feminist, Her First 100K, our guests, episode show notes, and our upcoming book, also titled Financial Feminist, visit herfirst100k.com.