Listen As Lisa Smith Teaches Us How to Be Confident In Early Retirement. You Can Do This Too!
Tyke and Tina Adventures
[{'start': '3.200', 'end': '12.960', 'text': 'hello we are here today joining us is Lisa Smith\xa0\nlisa is my investment retirement guru is what I'}, {'start': '12.960', 'end': '18.080', 'text': 'like to call her she probably has a way better\xa0\nway of introducing herself and I will let her do'}, {'start': '18.080', 'end': '26.560', 'text': 'that right now i am so excited to be here tina um\xa0\nI work with men and women all over the world and'}, {'start': '26.560', 'end': '34.480', 'text': 'teach them how to invest and retire early and I\xa0\nmyself retired at 45 super exciting and um and now'}, {'start': '34.480', 'end': '42.000', 'text': 'I teach I was actually fully retired for six years\xa0\nand now I um have decided to come back and um pay'}, {'start': '42.000', 'end': '50.080', 'text': 'it forward and teach other people how to um not\xa0\nbelieve that they have to work until age 65 and'}, {'start': '50.080', 'end': '55.680', 'text': 'be kind of in that that lane of oh I have to work\xa0\nuntil a certain time but really I believe anybody'}, {'start': '55.680', 'end': '62.720', 'text': 'can retire early with the right tools awesome and\xa0\nI am so grateful that you decided to give back and'}, {'start': '62.720', 'end': '70.800', 'text': 'do this as your second career or retirement fun\xa0\nthing that you do because I was just able after'}, {'start': '70.800', 'end': '76.560', 'text': 'signing up for your program a little over a year\xa0\nand a half ago was just able to retire from my job'}, {'start': '76.560', 'end': '82.880', 'text': "and I'm sure some of our viewers we love the wins\xa0\ndon't we i'm sure some of our viewers have seen my"}, {'start': '82.880', 'end': '88.560', 'text': "video posting about my retirement notice at work\xa0\nlike I said it was just this week and I'm working"}, {'start': '88.560', 'end': '94.800', 'text': 'for a couple more weeks and then I am leaving\xa0\nout of the country to go travel and enjoy our'}, {'start': '94.800', 'end': '102.320', 'text': 'retirement lifestyle so so grateful to Lisa um I\xa0\nthink what she does is amazing and the favorite'}, {'start': '102.320', 'end': '108.880', 'text': "thing I like about what Lisa's program does is\xa0\nit's so simple it's easy enough that anyone can"}, {'start': '108.880', 'end': '116.080', 'text': "do it she started by teaching college kids she's\xa0\ntaught her nieces and nephews it's so simple that"}, {'start': '116.080', 'end': '122.080', 'text': 'anyone can take this and run with it so Lisa\xa0\nkind of give us a breakdown of what you call'}, {'start': '122.080', 'end': '128.560', 'text': 'the set it and forget it system happy to first\xa0\nof all I want to say congratulations Tina this'}, {'start': '128.560', 'end': '133.360', 'text': "is so exciting so I've been able to watch Tina\xa0\ngo from hey I don't really know what's going"}, {'start': '133.360', 'end': '139.840', 'text': "on in the stock market to I just gave notice at\xa0\nwork and I'm living my dreams so this is a huge"}, {'start': '139.840', 'end': '146.720', 'text': "um success story and I just want to congratulate\xa0\nyou and I'm so happy for for updates i'm I'm just"}, {'start': '146.720', 'end': '154.800', 'text': 'happy for you guys to have the freedom so um what\xa0\nfor investing I feel like we can take sometimes we'}, {'start': '154.800', 'end': '160.720', 'text': "complicate this and there's a lot of um like\xa0\nmumbo jumbo out there that just makes people"}, {'start': '160.720', 'end': '166.640', 'text': "feel like they're not um smart enough or they\xa0\ndon't have enough money i've heard all sorts of"}, {'start': '166.640', 'end': '172.240', 'text': 'stories that people have been told by actual\xa0\nfinancial planners and then the unfortunate'}, {'start': '172.240', 'end': '177.360', 'text': 'thing is most people feel like disempowered\xa0\nwith their money or with investments and it'}, {'start': '177.360', 'end': '182.640', 'text': 'um I want to take something that seemingly is\xa0\ncomplex and make it very simple to understand and'}, {'start': '182.640', 'end': '190.000', 'text': "so when I work with people clients they're usually\xa0\ngetting about a a 3 to a 6% return in whatever"}, {'start': '190.000', 'end': '194.160', 'text': 'investment accounts that could be in a retirement\xa0\naccount or that could be a brokerage account'}, {'start': '194.160', 'end': '199.360', 'text': "um because they don't teach this in schools and\xa0\nparents don't know what to teach it to their kids"}, {'start': '199.360', 'end': '204.000', 'text': 'so one of the things we do is I want parents to\xa0\nteach it to their kids so kids grow up saying'}, {'start': '204.000', 'end': '209.440', 'text': 'I know how to invest and I feel confident about\xa0\ninvesting so most people are getting about a 3 to'}, {'start': '209.440', 'end': '217.280', 'text': '6% return in their um 401k or in their investment\xa0\nvehicles when they could be getting at least a 12%'}, {'start': '217.280', 'end': '222.560', 'text': "the problem with getting a 3 to 6% return is that\xa0\nthey're the average fee for a financial planner"}, {'start': '222.560', 'end': '231.120', 'text': 'in the US every year is between two um or excuse\xa0\nme 2,000 and 12,000 so some people actually have'}, {'start': '231.120', 'end': '235.600', 'text': "a negative return in their 401k and they don't\xa0\neven realize it or in their brokerage account"}, {'start': '235.600', 'end': '239.920', 'text': 'and they think "Oh my financial planner has this\xa0\nunder control." But when they look at their real'}, {'start': '239.920', 'end': '245.120', 'text': 'returns and I would have all of your viewers Tina\xa0\ngo into their account and find um sometimes it'}, {'start': '245.120', 'end': '252.480', 'text': 'they they put it three pages back but try to find\xa0\nyour your your one year back 12 months of what'}, {'start': '252.480', 'end': '259.920', 'text': 'is your return and just by investing in a lowcost\xa0\nindex fund you can get something like a 12% return'}, {'start': '259.920', 'end': '265.520', 'text': "so if you can triple or quadruple the amount that\xa0\nyou have in your accounts you're actually going to"}, {'start': '265.520', 'end': '271.680', 'text': 'end up with hundreds of thousands or millions of\xa0\ndollars more just by doing that one thing um and'}, {'start': '271.680', 'end': '277.840', 'text': 'so I I view this as an empowerment vehicle i think\xa0\nthat anybody with the right tools can retire early'}, {'start': '277.840', 'end': '285.120', 'text': "and get their finances in order and sometimes we\xa0\nwe've been told things we have um messages like um"}, {'start': '285.120', 'end': '290.960', 'text': "I've had people who just think I'm not good with\xa0\nmath and so I'll never be good at investing and"}, {'start': '290.960', 'end': '296.800', 'text': "I'm just going to say like I'm not that great at\xa0\nmath like I don't I can do math but I don't sit"}, {'start': '296.800', 'end': '304.080', 'text': 'here people think I sit and do like like math in\xa0\nmy head but I have a calculator like on my phone'}, {'start': '304.080', 'end': '310.720', 'text': "so I just do math there you don't actually have\xa0\nto be some kind of a math wiz it's really just"}, {'start': '310.720', 'end': '316.080', 'text': 'um anything that you can do a simple thing on your\xa0\nphone so my message is that anybody can do it um'}, {'start': '316.080', 'end': '322.160', 'text': 'I taught 18 to 24 year olds at the college level\xa0\nfor 11 years how to invest i actually taught them'}, {'start': '322.160', 'end': '329.440', 'text': "how to invest and retire at 35 um but it's really\xa0\njust some mindset shifts and if you're open to um"}, {'start': '329.440', 'end': '335.520', 'text': 'thinking differently about what the possibilities\xa0\nare now Tina has just announced I just gave my'}, {'start': '335.520', 'end': '340.720', 'text': "retirement at work and I'm going like to a foreign\xa0\ncountry and I'm going to travel around and have"}, {'start': '340.720', 'end': '345.360', 'text': 'these adventures and you might think oh I can\xa0\nnever do that like Tina must be something special'}, {'start': '345.360', 'end': '351.680', 'text': 'now Tina is amazing yes and she was willing to\xa0\nput in the work and take action towards it so'}, {'start': '351.680', 'end': '356.960', 'text': "it's really just the belief that it's possible\xa0\nand then things start falling into place so let"}, {'start': '356.960', 'end': '361.840', 'text': 'Tina be an example that this is totally possible\xa0\nuh Tina and I started working together about a'}, {'start': '361.840', 'end': '367.200', 'text': 'year and a half ago and she has accomplished a\xa0\nhuge amount in a short period of time and when'}, {'start': '367.200', 'end': '372.320', 'text': 'people become empowered they just make their own\xa0\ndreams come true and their life changes and they'}, {'start': '372.320', 'end': '377.680', 'text': 'say "I would never have thought this if I look\xa0\nback you know like looking back it\'s like this'}, {'start': '377.680', 'end': '382.720', 'text': "is amazing but 5 years ago two years ago three\xa0\nyears ago you wouldn't have thought that this"}, {'start': '382.720', 'end': '389.840', 'text': 'was a possibility." And just being open to what\xa0\nis it that I want to accomplish because the two'}, {'start': '389.840', 'end': '395.760', 'text': 'things that prevent people from accomplishing\xa0\ntheir life goals is time and money and if we can'}, {'start': '395.760', 'end': '401.360', 'text': 'remove those by becoming financially independent\xa0\nthen you get to spend um your life doing things'}, {'start': '401.360', 'end': '407.760', 'text': "that you love instead of it being drudgery or\xa0\nI've got to um one thing I hear I' I've got"}, {'start': '407.760', 'end': '411.920', 'text': 'to pay the bills and so but you can actually\xa0\nhave fun and pay the bills at the same time'}, {'start': '411.920', 'end': '416.800', 'text': "so I don't think life has to be some kind of\xa0\na prison and if it is it's of our own making"}, {'start': '416.800', 'end': '426.240', 'text': "um because of our our beliefs so true and that's\xa0\none thing I did is I started out with Lisa's"}, {'start': '426.240', 'end': '433.840', 'text': 'uh kind of guy self-guided program and a lot\xa0\nof that was because I had a lot of backstory'}, {'start': '433.840', 'end': '438.480', 'text': 'um I had a investment planner actually tell my\xa0\nhusband and I when we were first married that we'}, {'start': '438.480', 'end': '443.520', 'text': "didn't make enough money for him to even help us\xa0\nso I was worried about approaching someone like"}, {'start': '443.520', 'end': '449.280', 'text': "Lisa because I thought well everybody's just going\xa0\nto tell me I'm helpless so I did her self-guided"}, {'start': '449.280', 'end': '454.560', 'text': 'program first because I thought I can do this\xa0\ni can work through this you know step-by-step'}, {'start': '454.560', 'end': '460.720', 'text': 'guide of how to allocate my investment accounts\xa0\nand what to do to get where I need to go and then'}, {'start': '460.720', 'end': '468.640', 'text': "after it's probably about a year maybe about a\xa0\nyear I realized that I need more help it's not"}, {'start': '468.640', 'end': '476.000', 'text': 'just the stepbystep things that Lisa outlines very\xa0\nwell in her program and gives to you very simply'}, {'start': '476.000', 'end': '483.360', 'text': "it's the mindset it's the community of like-minded\xa0\npeople it's all of that support that you need when"}, {'start': '483.360', 'end': '489.040', 'text': "you're trying to make this huge life change and\xa0\ndesign your life and get to a place where you"}, {'start': '489.040', 'end': '498.000', 'text': "want to be so that's where I really had leaps\xa0\nand bounds is working on the mindset things and"}, {'start': '498.000', 'end': '502.960', 'text': 'um Lisa one of the things that helped me the most\xa0\nis when you taught us about deserve levels can'}, {'start': '502.960', 'end': '509.360', 'text': "you go into that a little bit for our viewers yeah\xa0\nabsolutely um one of the things that I've noticed"}, {'start': '509.360', 'end': '515.200', 'text': 'um when I first started teaching about financial\xa0\nindependence or how to invest I noticed that some'}, {'start': '515.200', 'end': '521.360', 'text': "people would um and I'll I'll give some examples\xa0\nbut some people would get to a certain point"}, {'start': '521.360', 'end': '526.960', 'text': "um either when they receive money like they're\xa0\nokay earning money um there's a couple different"}, {'start': '526.960', 'end': '531.760', 'text': "ways this works out but some people are okay\xa0\nearning money other people's other people are"}, {'start': '531.760', 'end': '538.240', 'text': 'not um but once they get the money then they think\xa0\n"I\'ve got to get rid of this." Like "This this is'}, {'start': '538.240', 'end': '545.520', 'text': 'making me uncomfortable." I\'ve had clients say\xa0\n"Just so you know I am comfortable with debt."'}, {'start': '545.520', 'end': '551.680', 'text': "I've had other people who got to a certain amount\xa0\nin their accounts and for some reason it's it's"}, {'start': '551.680', 'end': '556.560', 'text': 'like the $3 million mark and you may say "Oh I\'m\xa0\nperfectly comfortable with having $3 million in my'}, {'start': '556.560', 'end': '562.240', 'text': 'investment account." But they stopped investing\xa0\nthey literally stopped investing they did not'}, {'start': '562.240', 'end': '568.560', 'text': 'tell me but they stopped investing because they\xa0\nthey believe that their family of origin would'}, {'start': '568.560', 'end': '573.840', 'text': 'not talk to them anymore if they found out how\xa0\nmuch they had in their account and so I see all'}, {'start': '573.840', 'end': '579.680', 'text': "sorts of things like that that that are running\xa0\nactually on a subconscious pattern and so we don't"}, {'start': '579.680', 'end': '584.560', 'text': "realize what's going on we just we see cycles or\xa0\nwe keep kind of repeating things or we feel like"}, {'start': '584.560', 'end': '589.440', 'text': "we're bumping up against a ceiling it's just\xa0\nthese conscious beliefs or these subconscious"}, {'start': '589.440', 'end': '596.480', 'text': 'beliefs um we have they they the studies show\xa0\nout of Cambridge actually show that um kids start'}, {'start': '596.480', 'end': '602.400', 'text': 'picking up on uh money ways to think about money\xa0\nways to act interact with money between ages two'}, {'start': '602.400', 'end': '608.000', 'text': "and three and by seven years old it's formed the\xa0\nway that we're our beliefs about money whether"}, {'start': '608.000', 'end': '613.200', 'text': "we think it's oh it's a it's a grind it's really\xa0\nhard to get money or money is easy or money makes"}, {'start': '613.200', 'end': '619.760', 'text': "um people not like me or whatever the money um the\xa0\nmoney story that gets formed that's formed at age"}, {'start': '619.760', 'end': '623.680', 'text': 'And so we have these little scripts these\xa0\nlittle money scripts that just go in our head'}, {'start': '623.680', 'end': '629.440', 'text': "just constantly cycling and we believe like Tina\xa0\ndid I I can't be helped with money i don't like"}, {'start': '629.440', 'end': '635.040', 'text': "there's no help for me because somebody told you\xa0\nthat early on and so we have these deserve level"}, {'start': '635.040', 'end': '641.200', 'text': "things where and it it comes out in different\xa0\nways for everyone and it's just something that"}, {'start': '641.200', 'end': '646.800', 'text': 'we need to bring to the conscious level so one\xa0\nof the things that I actually recommend if you'}, {'start': '646.800', 'end': '652.560', 'text': "notice that you're going through like I can't\xa0\nI know I'm more capable of earning money right"}, {'start': '652.560', 'end': '656.960', 'text': "i'm I could earn more money but I'm just not\xa0\nor why don't I get a different job that pays"}, {'start': '656.960', 'end': '662.400', 'text': "more or why don't I why do I never take advantage\xa0\nof the opportunities that I have or why do I feel"}, {'start': '662.400', 'end': '667.840', 'text': "that it's impossible to save money or invest\xa0\nmoney or keep money or grow money and all of"}, {'start': '667.840', 'end': '674.800', 'text': 'these have to do with our preset deserve levels\xa0\nwhich are just running on a subconscious script'}, {'start': '674.800', 'end': '681.440', 'text': 'and anytime we get something that goes above that\xa0\nand a little alarm goes off in our head and says'}, {'start': '681.440', 'end': '687.280', 'text': '"Oh you\'re unworthy or undeserving of this amount\xa0\nof money." Now this can be with relationships it'}, {'start': '687.280', 'end': '691.440', 'text': 'can be with love it can be with foreign travel\xa0\nwe have different deserve levels in different'}, {'start': '691.440', 'end': '696.880', 'text': "areas of our lives but money tends to impact all\xa0\nthe other ones and so it's really important that"}, {'start': '696.880', 'end': '702.320', 'text': 'we address this and look at it and part of that is\xa0\njust bringing it to the conscious awareness which'}, {'start': '702.320', 'end': '708.480', 'text': "is if I get money every time I get money I just\xa0\nspend it all or I don't feel like I'm deserving"}, {'start': '708.480', 'end': '715.280', 'text': 'of earning more than my parents did which is\xa0\nsomething I see a lot um then we have an alarm'}, {'start': '715.280', 'end': '722.560', 'text': 'go off and what happens is we start sabotaging so\xa0\nwe might sabotage our future wealth we might go'}, {'start': '722.560', 'end': '728.720', 'text': 'into debt we might spend everything and we think\xa0\n"Oh my gosh why am I repeating this cycle?" It\'s'}, {'start': '728.720', 'end': '733.680', 'text': "because you've triggered your deserve level and\xa0\nyou've hit up against that deserve level of what"}, {'start': '733.680', 'end': '739.600', 'text': 'you feel deserving of and so we just want to sit\xa0\ndown and say "Okay you know what are the money'}, {'start': '739.600', 'end': '745.840', 'text': 'beliefs that I have and what are the cycles or the\xa0\nfrustrations that I continually feel like over and'}, {'start': '745.840', 'end': '750.480', 'text': 'over and over again what\'s the pattern?" And then\xa0\njust sitting down with that and just journaling'}, {'start': '750.480', 'end': '754.800', 'text': 'being willing to do the deep work that it takes\xa0\nto move up the deserve level because the good'}, {'start': '754.800', 'end': '760.480', 'text': 'news is you can actually increase your deserve\xa0\nlevels and so just saying um you know writing'}, {'start': '760.480', 'end': '767.360', 'text': 'down what you want and what would make you really\xa0\nhappy with money and you can go crazy and say I I'}, {'start': '767.360', 'end': '770.560', 'text': "would be really happy with $100 million in\xa0\nmy bank account but your brain's not going"}, {'start': '770.560', 'end': '776.560', 'text': "to work with that so you need to kind of go step\xa0\nby step like what's realistic a lot of people um"}, {'start': '776.560', 'end': '783.600', 'text': 'in order to purposely trigger the desert level I\xa0\nsay "Are you comfortable making $30,000 a month?"'}, {'start': '783.600', 'end': '790.480', 'text': 'Some people will say "Oh yeah." And other people\xa0\nare like "Uh no i no." And they and they freeze'}, {'start': '790.480', 'end': '797.280', 'text': "so we've just surpassed the deserve level now in\xa0\nsome cases I'm talking to people who may actually"}, {'start': '797.280', 'end': '802.800', 'text': 'be really close to that number 30,000 a month\xa0\nand I I just picked that one because it seems to'}, {'start': '802.800', 'end': '809.280', 'text': 'um kind of make the point with people most people\xa0\nthink I would be okay I would be super comfortable'}, {'start': '809.280', 'end': '814.640', 'text': "with earning a million dollars a month or we can\xa0\neven start at 100,000 a month that's not actually"}, {'start': '814.640', 'end': '821.600', 'text': "true you can't go from whatever you're earning to\xa0\nin multiples of millions or hundreds of thousands"}, {'start': '821.600', 'end': '827.120', 'text': "your brain won't accept it and you'll be sitting\xa0\non the couch in the fetal position after a month"}, {'start': '827.120', 'end': '832.800', 'text': 'or two thinking "I don\'t deserve this i\'ve got to\xa0\nstop this i\'ve got to get rid of this and so the'}, {'start': '832.800', 'end': '837.280', 'text': "deserve level is actually a fascinating thing\xa0\nthat most people don't even know about but if"}, {'start': '837.280', 'end': '842.720', 'text': 'you exceed your deserve level you will sabotage\xa0\nyour success and so we want to continually push'}, {'start': '842.720', 'end': '848.720', 'text': "that deserve level up and it's not about chasing\xa0\nriches it's about maxing out your capacity and"}, {'start': '848.720', 'end': '855.840', 'text': "your ability to like what is your true capacity\xa0\nif you didn't have um false beliefs about money"}, {'start': '855.840', 'end': '861.680', 'text': "what's your true capacity it's really reaching\xa0\nthat level of happiness um and that level of"}, {'start': '861.680', 'end': '869.440', 'text': 'accomplishment and oftentimes money follows that\xa0\nyeah that is so true i mean even 6 months ago I'}, {'start': '869.440', 'end': '875.040', 'text': "would have never posted that I retired on Facebook\xa0\ni wouldn't have done a YouTube video i would have"}, {'start': '875.040', 'end': '880.240', 'text': "felt like oh everybody's going to be jealous\xa0\neverybody's going to be mad at me and because"}, {'start': '880.240', 'end': '886.880', 'text': "my deserve level wasn't there yet so I had to work\xa0\non it and now I'm I know I deserve to retire i'm"}, {'start': '886.880', 'end': '892.880', 'text': "happy I'm going to retire and I want to share that\xa0\nwith everyone else too because if it's that simple"}, {'start': '892.880', 'end': '898.880', 'text': "a year and a half worth of hard work and working\xa0\non mindset and working on the planning and it's"}, {'start': '898.880', 'end': '906.800', 'text': 'there so we can do this we can do this people just\xa0\nlisten to Lisa follow her steps do the things that'}, {'start': '906.800', 'end': '912.400', 'text': "she's telling you to do if you want to reach out\xa0\nto her and have her work with you oneonone or with"}, {'start': '912.400', 'end': '919.440', 'text': "the group of mastermind it's an amazing group and\xa0\nI'll be in there with you so it'll be a fun time"}, {'start': '919.440', 'end': '925.840', 'text': "so Lisa there's a couple other things I wanted to\xa0\ntouch on if you have a few more minutes um you are"}, {'start': '925.840', 'end': '933.120', 'text': 'really a good proponent of celebrating the wins\xa0\nwhy is it so important for us to celebrate even'}, {'start': '933.120', 'end': '941.680', 'text': "little tiny wins i think for me everything's about\xa0\nthe neuroscience like um well a it makes us feel"}, {'start': '941.680', 'end': '947.200', 'text': "really good right and sometimes we focus on if\xa0\nyou've read Benjamin Hardy's um gap versus the"}, {'start': '947.200', 'end': '953.600', 'text': 'game gain sometimes we focus on our shortcomings\xa0\nto where we want to be but we continually move the'}, {'start': '953.600', 'end': '960.320', 'text': "goalpost so we're always in a shortcoming versus\xa0\nlike wow I got a lot done today or I've been you"}, {'start': '960.320', 'end': '964.800', 'text': "know I just accomplished something that I've been\xa0\nthinking about doing for a really long time And it"}, {'start': '964.800', 'end': '970.640', 'text': 'puts us in a a state of gratitude and it actually\xa0\nso if we celebrate our wins and every night before'}, {'start': '970.640', 'end': '974.720', 'text': "I go to bed I always go through at least three\xa0\nwins that I had and sometimes it's like a list"}, {'start': '974.720', 'end': '980.480', 'text': "of 15 if it's a really good day um but I always\xa0\ncelebrate my wins because it elevates I think"}, {'start': '980.480', 'end': '986.000', 'text': "our energy and where we're at and our thinking\xa0\npattern and gratitude has been shown to put us"}, {'start': '986.000', 'end': '992.400', 'text': "in kind of that higher vibration of thinking and\xa0\nfeeling we're open to we're just open to a lot"}, {'start': '992.400', 'end': '999.920', 'text': "more things so that's the first thing we're also\xa0\ntraining our brain to focus on and recognize the"}, {'start': '999.920', 'end': '1005.520', 'text': 'positive and the wins and so we because what\xa0\nwe focus on grows so if I focus on everything'}, {'start': '1005.520', 'end': '1011.200', 'text': "I'm not doing then more is not getting done like\xa0\nI'm going to be doing less and less because I'm"}, {'start': '1011.200', 'end': '1018.160', 'text': "focusing on that but if I focus on the winds we\xa0\nwe I mean energy goes where we're where focus is"}, {'start': '1018.160', 'end': '1024.160', 'text': "and so if I focus on the winds I'm going to have\xa0\nmore wins and it becomes this cycle of success and"}, {'start': '1024.160', 'end': '1030.240', 'text': "you're just training basically the neuropathways\xa0\nof your brain to be more and more successful and I"}, {'start': '1030.240', 'end': '1034.080', 'text': "think Tina that's what you've done as you've gone\xa0\nover because you've actually done all of this in"}, {'start': '1034.080', 'end': '1038.560', 'text': 'a relatively short period of time but you were\xa0\nwilling to do the work if you focus on the wins'}, {'start': '1038.560', 'end': '1043.600', 'text': 'and your progress because you had a clear goal\xa0\nyou knew where you were in regard and that goal'}, {'start': '1043.600', 'end': '1050.480', 'text': "wasn't changing it was it stayed the same so you\xa0\nhad a date you had a time you have a goal you have"}, {'start': '1050.480', 'end': '1055.600', 'text': "a location and you knew what you're doing so this\xa0\ngoal post stayed the same and you were able to see"}, {'start': '1055.600', 'end': '1062.240', 'text': "your own progress and com everything compounds\xa0\nwhether it's good or bad and so you compounded"}, {'start': '1062.240', 'end': '1067.760', 'text': "your wins and just created more momentum it's like\xa0\nkind of getting in shape it's easier to stay in"}, {'start': '1067.760', 'end': '1073.120', 'text': 'shape than it is to get in shape and you actually\xa0\ncreate this positive momentum and in finance you'}, {'start': '1073.120', 'end': '1078.880', 'text': 'know we call that compound like compound interest\xa0\nor compounding and I think that sharing wins'}, {'start': '1078.880', 'end': '1084.720', 'text': 'and celebrating wins um does that same thing it\xa0\ncompounds all of the good and it gives you more'}, {'start': '1084.720', 'end': '1089.920', 'text': 'of that and it just trains your brain to focus\xa0\non what more of what you actually want instead'}, {'start': '1089.920', 'end': '1094.160', 'text': "of oh you know I did everything right except for\xa0\nthis like one little thing and I'm going to focus"}, {'start': '1094.160', 'end': '1098.480', 'text': "on that one little thing that's not going to get\xa0\nyou faster it's not going to get you any you know"}, {'start': '1098.480', 'end': '1103.760', 'text': 'faster to your goals but focusing on the positive\xa0\njust trains your brain to focus on you know the'}, {'start': '1103.760', 'end': '1112.960', 'text': 'positive and what you really want that is awesome\xa0\ni was just before we came onto this call to do'}, {'start': '1112.960', 'end': '1119.120', 'text': 'this video for you I was at work and they just\xa0\nannounced that four people at my job are getting'}, {'start': '1119.120', 'end': '1125.920', 'text': 'laid off like instantly clean out your desk\xa0\ngoodbye and I was so grateful that I had this plan'}, {'start': '1125.920', 'end': '1133.280', 'text': "in place so it's so important to do your lifestyle\xa0\ndesign to plan for your future to plan for your"}, {'start': '1133.280', 'end': '1139.040', 'text': "retirement and have it ready to go so that if\xa0\nsomething happens and it doesn't happen your"}, {'start': '1139.040', 'end': '1147.360', 'text': "way you're still protected and on the way to your\xa0\ngoal um one thing I wanted to talk to I know some"}, {'start': '1147.360', 'end': '1153.280', 'text': 'people might be out there thinking I know I did\xa0\nwhen I first started your class you encourage us'}, {'start': '1153.280', 'end': '1161.040', 'text': "to have an extra $500 a month to invest and that's\xa0\npart of growing our retirement account is having"}, {'start': '1161.040', 'end': '1167.200', 'text': "constant money to put into it when I first started\xa0\nI was like I I don't know if I can find $500 to"}, {'start': '1167.200', 'end': '1173.120', 'text': 'put into this so can you talk to us a little\xa0\nbit about that about finding ways to have that'}, {'start': '1173.120', 'end': '1180.560', 'text': 'extra money yes and the cool thing about um the\xa0\ninvesting now is you can actually buy fractional'}, {'start': '1180.560', 'end': '1185.760', 'text': 'shares so I think the most important thing is to\xa0\neducate yourself and getting started because once'}, {'start': '1185.760', 'end': '1191.200', 'text': "you start seeing success even if you're putting\xa0\nin $25 or $50 or $100 a month and you start to"}, {'start': '1191.200', 'end': '1196.800', 'text': 'see that grow and you think "Oh I didn\'t have to\xa0\ndo anything except set this up right and now it\'s'}, {'start': '1196.800', 'end': '1201.120', 'text': 'just growing on its own that actually becomes\xa0\na really positive thing in and of itself." And'}, {'start': '1201.120', 'end': '1206.240', 'text': 'people start thinking "Wait now what if I put\xa0\n200 in there or what if I put 300 in there or'}, {'start': '1206.240', 'end': '1213.360', 'text': 'whatever they have?" And so I think that learning\xa0\nis the most important thing and just doing it you'}, {'start': '1213.360', 'end': '1217.760', 'text': "don't know have to you don't know have you don't\xa0\nhave to know how everything works before you get"}, {'start': '1217.760', 'end': '1223.760', 'text': 'started because the momentum is going to carry\xa0\nyou so once you learn how to invest and realize'}, {'start': '1223.760', 'end': '1228.000', 'text': 'how it works then you automatically your brain\xa0\nstarts opening up to now wait a minute how can'}, {'start': '1228.000', 'end': '1234.160', 'text': 'I make some more money to put in here because if I\xa0\nput more money in then I can retire even faster so'}, {'start': '1234.160', 'end': '1239.680', 'text': 'um the positive momentum comes with people having\xa0\nsuccess and building confidence and things that'}, {'start': '1239.680', 'end': '1245.600', 'text': 'build confidence are reducing debt or paying it\xa0\noff altogether and then also investing like buying'}, {'start': '1245.600', 'end': '1252.320', 'text': "shares um and then also tracking so those three\xa0\nthings build confidence if you know where you're"}, {'start': '1252.320', 'end': '1256.560', 'text': "at you know you're putting money towards your\xa0\nown future benefit and growth and then you're"}, {'start': '1256.560', 'end': '1261.120', 'text': 'also eliminating debt which makes us feel free um\xa0\nI had some clients that paid off their house last'}, {'start': '1261.120', 'end': '1267.520', 'text': 'week and they sent me a screenshot paid in full\xa0\nand they were so excited and they said "This is'}, {'start': '1267.520', 'end': '1272.800', 'text': "it's like a huge relief it it we just paid\xa0\noff our house and now we never have to worry"}, {'start': '1272.800', 'end': '1277.520', 'text': 'about that again we own it 100%." And so I think\xa0\nthere\'s these things that are really important'}, {'start': '1277.520', 'end': '1283.600', 'text': "psychologically to us that we don't realize we're\xa0\ncarrying this extra burden or a stress and I want"}, {'start': '1283.600', 'end': '1290.480', 'text': "people to be in a situation where they they're\xa0\njust feel peace about their finances um and so"}, {'start': '1290.480', 'end': '1297.120', 'text': "I've done all sorts of crazy things like build\xa0\nI at my kitchen table I made fishing cleats for"}, {'start': '1297.120', 'end': '1301.680', 'text': "um a year and a half at least i've had an eBay\xa0\nbusiness where I sold designer men's and women's"}, {'start': '1301.680', 'end': '1308.080', 'text': 'clothing i worked an extra job my my day job was\xa0\nfrom 7:00 to 3 and then I went to work again at'}, {'start': '1308.080', 'end': '1314.640', 'text': "4:00 and I worked a part-time job um there's all\xa0\nsorts of things you can do um if you have a drone"}, {'start': '1314.640', 'end': '1319.760', 'text': "you can make about $5,000 a month taking pictures\xa0\nof people's houses and and and doing little"}, {'start': '1319.760', 'end': '1325.360', 'text': "projects like that like there's so many ways to\xa0\ndo side hustles um I think you're only limited by"}, {'start': '1325.360', 'end': '1331.360', 'text': "your own creativity and the analogy I like to use\xa0\nand it's actually true is that there's $3 trillion"}, {'start': '1331.360', 'end': '1336.800', 'text': "that changes hands every single day and I'm just\xa0\ngoing to take my bucket and dip down into that"}, {'start': '1336.800', 'end': '1342.880', 'text': "there's we have this um pi fallacy which is\xa0\nthat if I earn more money then Tina gets less"}, {'start': '1342.880', 'end': '1348.640', 'text': "or if Tina earns more money then I get less and\xa0\nthat's actually not true so if if I take a pie"}, {'start': '1348.640', 'end': '1352.720', 'text': "and cut it into eight pieces and Tina takes two\xa0\nthen there's you know there's only six left for"}, {'start': '1352.720', 'end': '1360.000', 'text': "me that doesn't exist with money so if Tina makes\xa0\nmore money that has zero impact on how much money"}, {'start': '1360.000', 'end': '1364.560', 'text': "anyone else in the whole world is going to get um\xa0\nbut that's a myth that people have in their head"}, {'start': '1364.560', 'end': '1369.760', 'text': "like if I earn more money I'm selfish and greedy\xa0\ni'm taking from this pie it just expands you're"}, {'start': '1369.760', 'end': '1376.000', 'text': "creating value and so I've seen people start\xa0\nbusinesses like Bananagram where they're writing"}, {'start': '1376.000', 'end': '1380.960', 'text': "on bananas messages and they're mailing to each\xa0\nother and they're making millions of dollars so"}, {'start': '1380.960', 'end': '1387.200', 'text': "we're really only limited by your own creativity\xa0\nand I think it's a mindset um problem when we say"}, {'start': '1387.200', 'end': '1393.440', 'text': '"Oh I can\'t earn more than like $5,000 a month or\xa0\n$7,000 a month or $12,000 a month." I think that\'s'}, {'start': '1393.440', 'end': '1399.440', 'text': "a mindset issue honestly where we've put ourselves\xa0\nin a box or we think that that's the case but it's"}, {'start': '1399.440', 'end': '1406.480', 'text': "not actually true it's believing first of all that\xa0\nyou can do it the biggest progress people make is"}, {'start': '1406.480', 'end': '1414.400', 'text': 'if they work on their um their beliefs first then\xa0\nthey kind of have this rocket ship of progress if'}, {'start': '1414.400', 'end': '1420.960', 'text': 'you learn all of the skills but you still have the\xa0\nsame old habits of thinking about money and what'}, {'start': '1420.960', 'end': '1426.400', 'text': "your capacity is it doesn't matter how much you\xa0\nknow about stock investing or the market or trends"}, {'start': '1426.400', 'end': '1432.480', 'text': "and cycles or the set it and forget it system it's\xa0\nnot going to work as well for you because you're"}, {'start': '1432.480', 'end': '1437.520', 'text': "still trying to operate under the old beliefs and\xa0\nit doesn't work you have to have a new paradigm"}, {'start': '1437.520', 'end': '1444.000', 'text': 'you have to believe differently you have to expect\xa0\ndifferently and I see people quadruple their'}, {'start': '1444.000', 'end': '1451.360', 'text': 'income i see people um who went from not knowing\xa0\nhow to invest in the stock market to making more'}, {'start': '1451.360', 'end': '1456.000', 'text': 'in the stock market than they do in their in their\xa0\nget the returns in their stock market or more than'}, {'start': '1456.000', 'end': '1462.080', 'text': 'they make going to work full-time for a year and\xa0\nthis happens in a relatively short period of time'}, {'start': '1462.080', 'end': '1466.880', 'text': "but it matches the work that you're willing\xa0\nto do on your mindset and some people don't"}, {'start': '1466.880', 'end': '1470.960', 'text': 'like this term mindset but I find it one of the\xa0\nmost powerful things you have to have the skills'}, {'start': '1470.960', 'end': '1476.240', 'text': 'and you have to have the mindset and as those two\xa0\nincrease then you automatically just increase and'}, {'start': '1476.240', 'end': '1481.200', 'text': 'the amount of money that you have your confidence\xa0\nall of that your empowerment all of that increases'}, {'start': '1481.200', 'end': '1488.880', 'text': "together so if you find yourself thinking I can't\xa0\nand whatever is behind that you that's actually"}, {'start': '1488.880', 'end': '1493.920', 'text': 'true until you believe nope I know this is going\xa0\nto be possible so I was a teacher a school teacher'}, {'start': '1493.920', 'end': '1498.480', 'text': "and they don't overpay school teachers and I said\xa0\nI'm going to retire at 45 and everyone said that's"}, {'start': '1498.480', 'end': '1504.560', 'text': 'impossible and I\'m like so I\'m still going to do\xa0\nit and my own mother said "I don\'t think that\'s'}, {'start': '1504.560', 'end': '1510.960', 'text': 'a good idea." And she still thinks that today and\xa0\nI\'m like "Well too bad that\'s already happened."'}, {'start': '1510.960', 'end': '1518.720', 'text': "But I don't let other people's limiting beliefs\xa0\nabout money impact what I can or cannot do because"}, {'start': '1518.720', 'end': '1523.360', 'text': "that's there when people speak about money they're\xa0\nspeaking through the lens of their own perception"}, {'start': '1523.360', 'end': '1527.440', 'text': "they're not speaking about your capacity so if\xa0\nsomebody is saying something I don't have to take"}, {'start': '1527.440', 'end': '1532.400', 'text': "that on personally because that's just their view\xa0\nthat's their personal limitation and that's their"}, {'start': '1532.400', 'end': '1537.200', 'text': 'work to do you can believe whatever you want\xa0\nand what you believe is possible is generally'}, {'start': '1537.200', 'end': '1542.000', 'text': "possible so it's really about upleveling your\xa0\nmindset as well of your as well as your skill"}, {'start': '1542.000', 'end': '1549.040', 'text': "set at the same time what's the phrase you\xa0\nlike to say about not allowing anyone else to"}, {'start': '1549.040', 'end': '1558.800', 'text': 'um which one Tina is it say something about you i\xa0\nyeah I I I have a really uh hard and fast rule and'}, {'start': '1558.800', 'end': '1565.040', 'text': "that's I never allow anyone to say anything about\xa0\nme that I don't want to become true um and so I'll"}, {'start': '1565.040', 'end': '1569.520', 'text': 'just stop them and say that might be true for\xa0\nyou but that is not true for me and some people'}, {'start': '1569.520', 'end': '1575.280', 'text': 'try to group me in their own limitations or their\xa0\nown limiting beliefs and I refuse to cooperate so'}, {'start': '1575.280', 'end': '1580.320', 'text': 'I want to be inverse paranoid and believe that the\xa0\nuniverse and every person I meet is for a purpose'}, {'start': '1580.320', 'end': '1585.440', 'text': "and a reason that that it's all for my good and\xa0\nso I don't um I'm not going to go down the road"}, {'start': '1585.440', 'end': '1591.840', 'text': "of I'm going to be operating my life under your\xa0\nlimited perceptions um and most people are don't"}, {'start': '1591.840', 'end': '1596.720', 'text': 'actually think that they should be or could be\xa0\nworking on their mindset um or their beliefs'}, {'start': '1596.720', 'end': '1600.960', 'text': "around money and it's the one thing that changes\xa0\neverything because money is something that we use"}, {'start': '1600.960', 'end': '1605.040', 'text': 'um every day and it impacts so many different\xa0\nareas of our lives and so if we have a really'}, {'start': '1605.040', 'end': '1609.280', 'text': "healthy relationship with money it's a keystone\xa0\nhabit and that just bleeds out happiness and"}, {'start': '1609.280', 'end': '1615.920', 'text': 'success into all other areas of your life yeah and\xa0\nyou talk about I love that you when we join the'}, {'start': '1615.920', 'end': '1624.000', 'text': 'mastermind our children also get access to your\xa0\nprogram so you talk about your legacy of wealth'}, {'start': '1624.000', 'end': '1628.800', 'text': 'is there anything you want to share about that yes\xa0\ni think that if you are going to teach your kids'}, {'start': '1628.800', 'end': '1634.800', 'text': 'to ski or ride horses or whatever you do whatever\xa0\nyour hobbies are we automatically teach our kids'}, {'start': '1634.800', 'end': '1641.760', 'text': "that and so kids learn to ski at 2 or 3 years old\xa0\nand they they're like fearless because you know my"}, {'start': '1641.760', 'end': '1647.920', 'text': "mom and dad taught me this this is normal well if\xa0\nyou teach them how to invest when they're little"}, {'start': '1647.920', 'end': '1652.480', 'text': "then they think it's normal just to have money\xa0\nand wealth and have money growing in investment"}, {'start': '1652.480', 'end': '1659.040', 'text': 'accounts so I started investing with um I I one of\xa0\nmy nieces was three months old when we started an'}, {'start': '1659.040', 'end': '1666.720', 'text': "investment account for her she's 13 now and she's\xa0\ngot um a nice little bundle of it's not cash cuz"}, {'start': '1666.720', 'end': '1672.160', 'text': "it's invested but she has a nice bundle um a nest\xa0\negg there and I've taught a lot of my nieces and"}, {'start': '1672.160', 'end': '1677.200', 'text': "nephews how to invest because I feel like it's\xa0\nthey have so much time for compounding to take"}, {'start': '1677.200', 'end': '1682.480', 'text': "place um and it's very important to me that we\xa0\npass this on to the next generation so you can't"}, {'start': '1682.480', 'end': '1689.200', 'text': "teach what you don't know so a lot of people the\xa0\nbest that they've been taught is to save money and"}, {'start': '1689.200', 'end': '1696.560', 'text': 'to stay out of debt but the money is in a you know\xa0\n0 point nothing percentage savings account and so'}, {'start': '1696.560', 'end': '1702.000', 'text': "it's not growing so inflation is eroding that it's\xa0\nnot they don't know how to invest they might be in"}, {'start': '1702.000', 'end': '1707.920', 'text': "a good financial situation but their money is not\xa0\ngrowing and that's um a couple generations ago you"}, {'start': '1707.920', 'end': '1714.160', 'text': 'would save the money and then try not to outlive\xa0\nit what we should have happen is the older you get'}, {'start': '1714.160', 'end': '1718.400', 'text': "the more money you have because it's compounding\xa0\nover time and we're going to use a safe withdrawal"}, {'start': '1718.400', 'end': '1722.800', 'text': "rate which is 4% which means you'll never if you\xa0\ntake out 4% of your nest egg you'll never run out"}, {'start': '1722.800', 'end': '1730.480', 'text': 'of money and with that idea then 96% of your nest\xa0\negg is still growing so you can always pull out 4%'}, {'start': '1730.480', 'end': '1736.880', 'text': 'but I I have seen um women who\'ve come to me um\xa0\nmen who\'ve come to me and they say "My financial'}, {'start': '1736.880', 'end': '1743.440', 'text': 'planner says, "I have a plan and at 80 years\xa0\nold I\'m at zero I\'ve run out of money at 80."'}, {'start': '1743.440', 'end': '1750.000', 'text': 'I\'m like "That is the worst possible plan that\'s\xa0\nthe most vulnerable age you do not want to run'}, {'start': '1750.000', 'end': '1756.160', 'text': 'out of money at 80 years old you should have\xa0\ncompounded you should have like $15 million at'}, {'start': '1756.160', 'end': '1763.840', 'text': "80 years old you shouldn't be down to zero that's\xa0\nnot a plan that's bad um and I've literally had"}, {'start': '1763.840', 'end': '1769.040', 'text': "several clients who've said that to me so over\xa0\ntime it should get easier and easier so if you"}, {'start': '1769.040', 'end': '1774.480', 'text': "start investing with a 5-year-old or six-year-old\xa0\nthey're going to be a millionaire if they if they"}, {'start': '1774.480', 'end': '1779.280', 'text': "have birthday money that's put in their Christmas\xa0\nmoney whatever kind of money that's put in there"}, {'start': '1779.280', 'end': '1784.160', 'text': 'and showing them and using this account that would\xa0\nbe set up with an adult and showing them this is'}, {'start': '1784.160', 'end': '1789.280', 'text': "how it works we put in money and we invest it and\xa0\nwe don't spend everything right now but we put it"}, {'start': '1789.280', 'end': '1796.320', 'text': "in there and we let it grow and so our kids trust\xa0\nus and it's an easy way to make it so that we can"}, {'start': '1796.320', 'end': '1802.800', 'text': "pass on this legacy of wealth rather than like hey\xa0\ngood luck hope you make it and I don't think any"}, {'start': '1802.800', 'end': '1809.040', 'text': "parent wants that for their kids but we don't know\xa0\nhow to teach them and so if we have that education"}, {'start': '1809.040', 'end': '1814.960', 'text': 'ourselves I think one of the biggest payouts in\xa0\nthe long term besides the piece that you have is'}, {'start': '1814.960', 'end': '1820.960', 'text': 'also passing this on to your children and creating\xa0\nthis legacy of wealth within your family and so it'}, {'start': '1820.960', 'end': '1826.880', 'text': 'empowers your children empowers you and we um\xa0\nin the program we have all of the kids whether'}, {'start': '1826.880', 'end': '1832.880', 'text': "they're six i think one of our youngest investors\xa0\nlike four and then um we have you know 24 year"}, {'start': '1832.880', 'end': '1838.400', 'text': "olds 21 year olds 10 year olds who are reading\xa0\ninvesting books and they're interested they"}, {'start': '1838.400', 'end': '1845.120', 'text': "they're like sponges and if you show a child an\xa0\ninvestment calculator they're all in and another"}, {'start': '1845.120', 'end': '1849.040', 'text': "thing I recommend for kids is matching anything\xa0\nthey're willing to invest so if they put in"}, {'start': '1849.040', 'end': '1853.280', 'text': '$50 from grandma then you put in $50 and all\xa0\nof a sudden they\'re like "I just doubled my'}, {'start': '1853.280', 'end': '1858.640', 'text': 'money." And so kids are very easy um to teach and\xa0\nthey\'re very they understand quickly the power'}, {'start': '1858.640', 'end': '1863.760', 'text': "of compound interest so I think it's one of the\xa0\nbiggest gifts that you can give your children i"}, {'start': '1863.760', 'end': '1870.640', 'text': 'love that so much well you are the biggest gift\xa0\nthat I gave myself and I really appreciate the'}, {'start': '1870.640', 'end': '1877.280', 'text': 'fact that you are willing to teach us these\xa0\nthings and help us to build our wealth and'}, {'start': '1877.280', 'end': '1883.520', 'text': 'legacy of wealth generations of wealth is there\xa0\nanything else Lisa that you would want to say'}, {'start': '1883.520', 'end': '1891.680', 'text': 'before we say goodbye today yes I would say that\xa0\num give yourself permission to live your dreams'}, {'start': '1892.320', 'end': '1897.760', 'text': 'um you talked about people um at work losing\xa0\ntheir job we also have people who have lost'}, {'start': '1897.760', 'end': '1905.920', 'text': 'siblings and like you know instantly and they\xa0\nrealize how precious life is and so when you'}, {'start': '1905.920', 'end': '1911.040', 'text': 'get to the end of your life what are the things\xa0\nthat you are going to cherish and what are the'}, {'start': '1911.040', 'end': '1916.160', 'text': 'things that are going to be important to you so\xa0\njust go for it just give yourself permission to'}, {'start': '1916.160', 'end': '1923.920', 'text': "live the best life that you possibly can i love\xa0\nthat thank you Lisa i'm going to put some of your"}, {'start': '1923.920', 'end': '1927.440', 'text': "links in but is there just a quick way that\xa0\npeople can get in touch with you if they're"}, {'start': '1927.440', 'end': '1933.600', 'text': "interested in studs yeah website's probably the\xa0\neasiest lisasmith.com and all the social media is"}, {'start': '1933.600', 'end': '1941.920', 'text': 'on there um and a contact form as well okay all\xa0\nright thank you so much Lisa bye bye everybody'}]