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All right, so today we're gonna be taking a deep dive

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into some side hustle ideas.

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Specifically ones that might be a good fit for women.

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Awesome.

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And we're gonna be looking at a YouTube video

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called the best side hustle for women

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that nobody talks about make money online.

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Okay.

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And it's from a channel called Launch to Wealth TV.

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And the creator Vanessa makes a really interesting point.

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Okay.

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She says that a lot of the traditional

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side hustle advice out there seems to be geared towards men.

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Yeah.

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And so she's really focusing on filling that gap

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with some fresh perspectives.

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Makes sense.

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And so she throws out a ton of ideas in her video.

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Right.

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But a few of them really caught my eye.

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Okay.

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Mystery shopping, for instance.

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Oh, interesting.

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Sounds kind of fun, right?

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Getting paid to shop.

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Yeah, who wouldn't wanna try that?

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Right.

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And she also talks about ghost writing.

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Okay.

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Which seems like it could be a really creative

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and potentially lucrative option.

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And then a bit unexpectedly,

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she emphasizes investing as a key way

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for women to build wealth.

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Even though it's not a traditional side hustle.

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Right, yeah.

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So it's a really interesting mix, I think.

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Yeah, those are really interesting.

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I love the mystery shopping thing.

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It's kind of like that secret agent appeal.

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Yeah.

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And then the ghost writing world

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just seems so mysterious and so full of intrigue.

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Yeah.

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And I think it's really smart

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that she's highlighting investing.

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I think that that's something that's really overlooked

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in these side hustle conversations.

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Yeah.

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But I think building long term wealth is crucial

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for women's financial security and independence.

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Exactly.

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Investing might not be the most glamorous side hustle,

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but it's definitely one of the most impactful

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in the long run.

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Absolutely.

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So let's start with something a bit more lighthearted though.

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Okay.

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Tell me more about this mystery shopping thing.

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Is it really as good as it sounds?

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Well, the premise is pretty simple.

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Yeah.

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Businesses wanna know how customers experience

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their stores, websites or services.

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Right.

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So they hire mystery shoppers to go incognito,

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make purchases and report back on things like customer

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service, cleanliness, product quality

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and overall satisfaction.

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Okay, that makes sense.

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Yeah.

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But I've always wondered,

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are these opportunities even legit?

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Yeah.

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I mean, it sounds almost too good to be true.

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You're right to be cautious

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because there are definitely scams out there.

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So you have to be careful.

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Okay.

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Look for reputable companies.

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Be wary of anyone asking for upfront fees.

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Okay.

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And do your research before signing up.

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Legitimate mystery shopping companies

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usually get paid by businesses to conduct these evaluations

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and then they pass a portion of that fee on

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to the mystery shopper.

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So it's like being a secret agent

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for customer experience.

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Yeah, exactly.

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I love it.

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You're undercover.

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But let's say you find a reputable gig.

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Yeah.

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Are we talking about serious cash here

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or is it more like earning a few bucks and a free meal?

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Unfortunately, it's not a get rich quick scheme.

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Okay.

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Earnings for mystery shopping tend to be on the modest side.

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You might get reimbursed for specific purchases,

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earn a small fee per assignment,

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or even receive gift cards.

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Okay.

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It was probably not gonna replace your day job.

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Right.

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But it could be a fun way to earn some extra cash,

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try out new products or services,

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and maybe even snag a free meal or movie ticket along the way.

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Okay, so maybe not a full-time income replacement,

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but definitely a fun and flexible option

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for someone looking to dip their toes

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into the side hustle world.

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Definitely a good way to get started.

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Now, what about ghost writing?

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Yeah.

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I have to admit, I'm really intrigued by this one.

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Okay.

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Vanessa even shared a clip in her video

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about a woman making $378,000 a year ghost writing on Fiverr.

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Wow.

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Yeah, right?

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That's a pretty eye-catching figure.

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That's incredible.

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It definitely highlights the potential earning power

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that exists within the world of freelance writing.

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Yeah.

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But it's important to remember

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that this is an exceptional case, not the norm.

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Okay.

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That level of success takes a lot of hard work dedication

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and a bit of luck.

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Right.

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I wouldn't expect to become a six-figure ghost writer

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overnight.

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But I'm curious, what exactly does ghost writing entail?

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Yeah.

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What kind of projects do ghost writers typically work on?

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Ghost writers are the unseen raidsmiths

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behind a wide range of content.

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Okay.

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They might write books, articles, blog posts, website,

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copy speeches, even social media updates,

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all while staying behind the scenes.

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Wow.

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Essentially, they're professional writers

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who create content for others,

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but their names don't appear on the final product.

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So they're like a ghost.

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Exactly.

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They're like a literary ghost,

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crafting words that materialize in someone else's voice.

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Exactly.

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Right.

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I love that.

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The ideas and ownership belong to the client,

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but the ghost writer brings the writing expertise

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to make those ideas shine.

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That's awesome.

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I can imagine you need some serious writing talks

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to pull that off.

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Absolutely.

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What are some of the essential skills or qualities

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that make a successful ghost writer?

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First and foremost, excellent writing ability is a must.

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Okay.

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That includes grammar punctuation storytelling

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the whole nine yards.

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You also need to be incredibly adaptable,

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able to shift your writing style

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to match the client's voice and the project's needs.

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Right.

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And research skills are essential too,

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especially if you're tackling topics

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you're not already familiar with.

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So it's about being a versatile wordsmith,

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a master of research and a chameleon of writing styles.

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Exactly.

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But there's one more thing that struck me as essential.

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You have to be okay with not getting the credit right.

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Exactly.

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That's a key part of the ghost writing world.

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Right.

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Your work exists behind the scenes.

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So if you crave public recognition

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or seeing your name in lights,

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this probably isn't the best fit.

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Yeah.

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Ghost writing is about the joy of crafting words,

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the satisfaction of bringing stories to life

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and the fulfillment of playing a vital role

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in someone else's success.

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That's a really interesting point.

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Yeah.

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It takes a certain type of person

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to find fulfillment in that behind the scenes role.

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Yeah, definitely.

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Okay, so we've explored the intriguing worlds

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of mystery shopping and ghost writing.

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Yeah.

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But now I'm curious to delve into the less glamorous

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but equally important realm of the best.

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Vanessa, the YouTube creator specifically highlighted this

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as a crucial path for women to build wealth.

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Right.

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Even though it's not a traditional side hustle.

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Why do you think she emphasized that point?

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I think she recognizes that investing

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while not a quick money making scheme

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is fundamental to long-term financial well-being.

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Yeah.

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And historically, women have faced more obstacles

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in building wealth, whether it's due to the gender pay gap

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career breaks for caregiving or societal expectations.

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Right.

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Investing can help level the playing field,

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allowing women to take control of their financial futures

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and build security for themselves and their families.

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That makes a lot of sense.

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But I have to admit, I always found the world of investing

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a bit intimidating.

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Yeah.

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It seems so complex and I wouldn't even know where to begin.

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I understand that feeling.

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A lot of people, not just women, feel that way.

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Okay.

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But the good news is it doesn't have to be as complicated

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or scary as it seems.

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Okay.

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The key is to start with the basics,

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learn at your own pace,

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and gradually build your knowledge and confidence.

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Okay, so it's about taking that first step,

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even if it's a small one.

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Exactly.

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But where do you even begin?

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Yeah.

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What are some of the initial steps someone can take

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to dip their toes into the world of investing?

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One of the easiest ways to get started

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is to open an account with an online brokerage firm.

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Okay.

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These platforms make it incredibly simple

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to buy and sell investments like stocks and bonds,

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and they offer a wide range of resources

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and educational tools to help you learn the ropes.

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So it's like having a digital toolbox

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for your investment journey.

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Exactly.

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I like that.

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But I have to admit, one of the things

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that always held me back from investing

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was the fear of losing money.

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It seems so risky.

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I hear you, that's a common concern.

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And it's important to be aware of the risks involved.

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But it's also important to remember

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that avoiding risk altogether

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can actually be detrimental

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to your financial well-being in the long run.

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Okay.

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If you keep all your money in a savings account,

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for instance, inflation will slowly eat away

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at its value over time.

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Investing allows your money to grow

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at a potentially faster rate,

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even after accounting for some level of risk.

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So it's about finding that balance

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between caution and calculated risk-taking.

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Exactly.

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But how do you even know what to invest in?

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There are so many options.

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That's where diversification comes in.

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Okay.

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It's one of the fundamental principles of investing,

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and it's all about not putting all your eggs in one basket.

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Right.

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Instead of investing all your money

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in a single stock, for example,

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you spread your investments

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across a variety of different assets,

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like stocks, bonds, and real estate.

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Okay.

283
00:08:37,200 --> 00:08:38,680
This helps reduce your overall risk,

284
00:08:38,680 --> 00:08:41,440
because if one investment performs poorly,

285
00:08:41,440 --> 00:08:43,400
the others can help cushion the blow.

286
00:08:43,400 --> 00:08:45,720
So it's like creating a safety net for your investments.

287
00:08:45,720 --> 00:08:46,560
Yeah.

288
00:08:46,560 --> 00:08:48,920
So you're not overly reliant on any one particular asset.

289
00:08:48,920 --> 00:08:49,760
Exactly.

290
00:08:49,760 --> 00:08:50,600
And diversification,

291
00:08:50,600 --> 00:08:51,880
that sounds kind of complicated.

292
00:08:51,880 --> 00:08:54,280
It can be, but there are ways to do it simply.

293
00:08:54,280 --> 00:08:57,640
One way is through exchange-treated funds or ETFs.

294
00:08:57,640 --> 00:08:58,480
Okay.

295
00:08:58,480 --> 00:09:00,760
Imagine them as baskets of stocks or bonds

296
00:09:00,760 --> 00:09:03,840
that track a specific market index sector

297
00:09:03,840 --> 00:09:05,280
or investment strategy.

298
00:09:05,280 --> 00:09:07,520
For example, you could invest in an ETF

299
00:09:07,520 --> 00:09:09,520
that tracks the S&P 500,

300
00:09:09,520 --> 00:09:12,080
which represents the 500 largest

301
00:09:12,080 --> 00:09:14,360
publicly traded companies in the US.

302
00:09:14,360 --> 00:09:17,800
So it's like buying a slice of the entire stock market pie,

303
00:09:17,800 --> 00:09:19,960
rather than just betting on one individual stock.

304
00:09:19,960 --> 00:09:20,800
Precisely.

305
00:09:20,800 --> 00:09:21,640
Okay.

306
00:09:21,640 --> 00:09:23,120
ETFs offer built-in diversification

307
00:09:23,120 --> 00:09:25,240
and are generally considered less risky

308
00:09:25,240 --> 00:09:27,200
than investing in individual stocks.

309
00:09:27,200 --> 00:09:29,160
This is all incredibly helpful.

310
00:09:29,160 --> 00:09:30,840
I'm starting to feel much more empowered

311
00:09:30,840 --> 00:09:32,960
to explore my investment options,

312
00:09:32,960 --> 00:09:35,280
even if it's just with small amounts to start.

313
00:09:35,280 --> 00:09:36,520
That's fantastic.

314
00:09:36,520 --> 00:09:38,920
Remember, the key is to start somewhere.

315
00:09:38,920 --> 00:09:41,040
Learn as you go and gradually build

316
00:09:41,040 --> 00:09:43,000
your investment knowledge and confidence.

317
00:09:43,000 --> 00:09:44,720
But now, before we move on,

318
00:09:44,720 --> 00:09:47,560
I want to circle back to Vanessa's YouTube video.

319
00:09:47,560 --> 00:09:48,400
Okay.

320
00:09:48,400 --> 00:09:50,320
Because she mentioned a bunch of other side hustle ideas

321
00:09:50,320 --> 00:09:51,400
that caught my attention.

322
00:09:51,400 --> 00:09:53,080
Some of them seem pretty unique

323
00:09:53,080 --> 00:09:54,680
and definitely worth exploring further.

324
00:09:54,680 --> 00:09:55,840
Okay. I'm all ears.

325
00:09:55,840 --> 00:09:57,120
What else piqued your interest?

326
00:09:57,120 --> 00:10:00,040
Well, she talked about becoming an Amazon associate,

327
00:10:00,040 --> 00:10:02,600
which seems like a smart way to leverage your online presence

328
00:10:02,600 --> 00:10:05,320
to earn commissions by recommending products you love.

329
00:10:05,320 --> 00:10:07,480
And then there was joining marketing focus crews.

330
00:10:07,480 --> 00:10:08,320
You're okay.

331
00:10:08,320 --> 00:10:10,240
They wouldn't want to get paid for their opinions.

332
00:10:10,240 --> 00:10:11,080
Right.

333
00:10:11,080 --> 00:10:12,280
She even mentioned house sitting

334
00:10:12,280 --> 00:10:13,800
as a potential side hustle.

335
00:10:13,800 --> 00:10:14,720
Wow.

336
00:10:14,720 --> 00:10:18,360
Imagine getting paid to enjoy luxurious accommodations

337
00:10:18,360 --> 00:10:20,080
while caring for someone's home.

338
00:10:20,080 --> 00:10:22,840
Those are all really interesting possibilities.

339
00:10:22,840 --> 00:10:25,880
And they highlight the incredible diversity of options

340
00:10:25,880 --> 00:10:27,680
available in the world of side hustles.

341
00:10:27,680 --> 00:10:28,520
Yeah.

342
00:10:28,520 --> 00:10:30,080
It's all about finding the right fit

343
00:10:30,080 --> 00:10:32,320
for your skills, interests, and lifestyle.

344
00:10:32,320 --> 00:10:33,160
Exactly.

345
00:10:33,160 --> 00:10:34,880
It's not a one size fits all approach.

346
00:10:34,880 --> 00:10:35,720
Right.

347
00:10:35,720 --> 00:10:37,160
There's a side hustle out there for everyone.

348
00:10:37,160 --> 00:10:40,240
And it's all about finding the one that sparks your passion

349
00:10:40,240 --> 00:10:41,520
and aligns with your goals.

350
00:10:41,520 --> 00:10:42,520
Well said.

351
00:10:42,520 --> 00:10:44,800
And sometimes the most unexpected paths

352
00:10:44,800 --> 00:10:47,680
can lead to the most rewarding experiences.

353
00:10:47,680 --> 00:10:48,520
I love that.

354
00:10:48,520 --> 00:10:49,360
Yeah.

355
00:10:49,360 --> 00:10:50,800
It's amazing how many different ways there are

356
00:10:50,800 --> 00:10:52,880
to create a side hustle these days.

357
00:10:52,880 --> 00:10:53,720
I know, right.

358
00:10:53,720 --> 00:10:56,680
We've talked about being a secret shopper,

359
00:10:56,680 --> 00:10:58,520
writing for others as a ghost writer,

360
00:10:58,520 --> 00:11:02,000
even dipping our toes into the world of investing.

361
00:11:02,000 --> 00:11:02,840
Yeah.

362
00:11:02,840 --> 00:11:05,640
And there are still so many more possibilities to explore.

363
00:11:05,640 --> 00:11:07,600
Right, it's like a whole universe of side hustles

364
00:11:07,600 --> 00:11:09,120
out there just waiting to be discovered.

365
00:11:09,120 --> 00:11:10,040
Exactly.

366
00:11:10,040 --> 00:11:11,960
But before we get too far ahead of ourselves,

367
00:11:11,960 --> 00:11:14,320
I wanted to leap back to that ghost writing example

368
00:11:14,320 --> 00:11:14,840
for a minute.

369
00:11:14,840 --> 00:11:16,000
OK.

370
00:11:16,000 --> 00:11:19,040
Vanessa, the YouTube creator, mentioned a woman making

371
00:11:19,040 --> 00:11:23,040
$378,000 a year on Fiverr.

372
00:11:23,040 --> 00:11:24,000
Right.

373
00:11:24,000 --> 00:11:25,560
That's a pretty incredible number.

374
00:11:25,560 --> 00:11:28,640
And I'm curious to know more about how she achieved

375
00:11:28,640 --> 00:11:29,960
that level of success.

376
00:11:29,960 --> 00:11:30,360
Yeah.

377
00:11:30,360 --> 00:11:31,640
Was it just pure luck?

378
00:11:31,640 --> 00:11:33,680
Or were there specific strategies

379
00:11:33,680 --> 00:11:36,760
she used to build her ghost writing business?

380
00:11:36,760 --> 00:11:39,800
It's definitely inspiring to hear stories like that.

381
00:11:39,800 --> 00:11:41,760
But as we talked about earlier, it's

382
00:11:41,760 --> 00:11:43,920
important to remember that those kinds of results

383
00:11:43,920 --> 00:11:44,880
aren't typical.

384
00:11:44,880 --> 00:11:46,920
Right, of course.

385
00:11:46,920 --> 00:11:49,000
That being said, there are definitely things we can learn

386
00:11:49,000 --> 00:11:49,920
from her journey.

387
00:11:49,920 --> 00:11:50,520
OK.

388
00:11:50,520 --> 00:11:54,120
She mentioned in the clip that she used to earn less than $50,000

389
00:11:54,120 --> 00:11:55,680
a year in a full-time job.

390
00:11:55,680 --> 00:11:56,000
Right.

391
00:11:56,000 --> 00:11:58,440
So there was a major shift that happened for her.

392
00:11:58,440 --> 00:11:58,800
Yeah.

393
00:11:58,800 --> 00:12:01,720
First of all, she clearly had a strong foundation in writing.

394
00:12:01,720 --> 00:12:02,000
Yeah.

395
00:12:02,000 --> 00:12:04,120
You can't expect to command those kinds of rates

396
00:12:04,120 --> 00:12:07,040
if you're not already a skilled and experienced writer.

397
00:12:07,040 --> 00:12:07,680
That makes sense.

398
00:12:07,680 --> 00:12:09,000
You have to have the writing chops

399
00:12:09,000 --> 00:12:11,120
before you can even think about making that kind of money.

400
00:12:11,120 --> 00:12:11,880
Exactly.

401
00:12:11,880 --> 00:12:13,760
But assuming you've got the talent,

402
00:12:13,760 --> 00:12:15,720
what else contributed to her success?

403
00:12:15,720 --> 00:12:18,840
Well, she also mentioned that she went all in on her ghost

404
00:12:18,840 --> 00:12:21,880
writing business, meaning she quit her full-time job

405
00:12:21,880 --> 00:12:23,480
to focus on it entirely.

406
00:12:23,480 --> 00:12:24,040
Wow.

407
00:12:24,040 --> 00:12:28,200
And that level of dedication and commitment

408
00:12:28,200 --> 00:12:31,240
is crucial for any entrepreneurial endeavor.

409
00:12:31,240 --> 00:12:31,960
Yeah.

410
00:12:31,960 --> 00:12:35,200
Building a successful side hustle, especially one

411
00:12:35,200 --> 00:12:38,240
with high earning potential, often requires

412
00:12:38,240 --> 00:12:42,280
treating it like a real business with dedicated work hours,

413
00:12:42,280 --> 00:12:44,840
a marketing strategy, and a commitment

414
00:12:44,840 --> 00:12:47,040
to ongoing learning and improvement.

415
00:12:47,040 --> 00:12:48,960
So it's not just about being a good writer.

416
00:12:48,960 --> 00:12:51,400
It's about having the entrepreneurial mindset

417
00:12:51,400 --> 00:12:52,920
and the hustle to make it work.

418
00:12:52,920 --> 00:12:53,440
Exactly.

419
00:12:53,440 --> 00:12:55,200
But even with talent and hard work,

420
00:12:55,200 --> 00:12:55,720
Yeah.

421
00:12:55,720 --> 00:12:57,080
there must have been other factors that

422
00:12:57,080 --> 00:12:58,440
played a role in her success.

423
00:12:58,440 --> 00:12:58,840
Yeah.

424
00:12:58,840 --> 00:13:02,400
I mean, $378,000 is a serious income,

425
00:13:02,400 --> 00:13:04,320
even for the most experienced writers.

426
00:13:04,320 --> 00:13:05,200
You're absolutely right.

427
00:13:05,200 --> 00:13:07,160
There's always an element of luck involved

428
00:13:07,160 --> 00:13:08,720
in any success story.

429
00:13:08,720 --> 00:13:12,440
Maybe she stumbled upon a niche that was in high demand,

430
00:13:12,440 --> 00:13:15,200
connected with the right clients at the perfect time,

431
00:13:15,200 --> 00:13:18,760
or developed a reputation for delivering exceptional work

432
00:13:18,760 --> 00:13:21,560
that spread through word of mouth referrals.

433
00:13:21,560 --> 00:13:27,600
So it sounds like a combination of factors, talent,

434
00:13:27,600 --> 00:13:29,760
hard work, a bit of luck, and maybe

435
00:13:29,760 --> 00:13:31,280
some strategic networking.

436
00:13:31,280 --> 00:13:32,200
Exactly.

437
00:13:32,200 --> 00:13:34,680
And it's important to remember that success

438
00:13:34,680 --> 00:13:35,840
doesn't happen overnight.

439
00:13:35,840 --> 00:13:36,360
Right.

440
00:13:36,360 --> 00:13:39,440
Building a thriving side hustle takes time, effort,

441
00:13:39,440 --> 00:13:42,160
and a willingness to learn and adapt along the way.

442
00:13:42,160 --> 00:13:42,640
Yeah.

443
00:13:42,640 --> 00:13:44,080
But stories like hers demonstrate

444
00:13:44,080 --> 00:13:45,440
that the potential is there.

445
00:13:45,440 --> 00:13:45,800
Yeah.

446
00:13:45,800 --> 00:13:47,880
And with the right approach, you can achieve

447
00:13:47,880 --> 00:13:49,440
remarkable results.

448
00:13:49,440 --> 00:13:52,400
It's inspiring to see that it's possible to turn your passion

449
00:13:52,400 --> 00:13:55,000
for writing into a substantial income stream.

450
00:13:55,000 --> 00:13:55,720
Absolutely.

451
00:13:55,720 --> 00:13:57,720
Speaking of inspiring possibilities,

452
00:13:57,720 --> 00:14:00,440
I wanted to circle back to our conversation about investing.

453
00:14:00,440 --> 00:14:00,880
OK.

454
00:14:00,880 --> 00:14:03,480
You mentioned earlier that many women feel intimidated

455
00:14:03,480 --> 00:14:04,520
by the world of finance.

456
00:14:04,520 --> 00:14:04,960
Right.

457
00:14:04,960 --> 00:14:06,880
And I definitely experienced that myself.

458
00:14:06,880 --> 00:14:07,360
Yeah.

459
00:14:07,360 --> 00:14:09,240
What are some of the specific roadblocks

460
00:14:09,240 --> 00:14:11,480
that women tend to face when it comes to investing?

461
00:14:11,480 --> 00:14:14,960
One of the biggest hurdles is a lack of confidence.

462
00:14:14,960 --> 00:14:17,760
Many women feel like they don't know enough about investing,

463
00:14:17,760 --> 00:14:20,680
or that it's too complicated for them to understand.

464
00:14:20,680 --> 00:14:23,880
This can lead to inaction or reliance on others

465
00:14:23,880 --> 00:14:25,600
to manage their finances.

466
00:14:25,600 --> 00:14:25,880
Right.

467
00:14:25,880 --> 00:14:29,360
Which can ultimately limit their financial growth potential.

468
00:14:29,360 --> 00:14:29,640
Yeah.

469
00:14:29,640 --> 00:14:31,040
I've definitely seen that play out

470
00:14:31,040 --> 00:14:32,480
among my own friends and family.

471
00:14:32,480 --> 00:14:32,760
Yeah.

472
00:14:32,760 --> 00:14:36,320
So many women I know are brilliant and capable

473
00:14:36,320 --> 00:14:39,040
in their careers, but hesitate to take

474
00:14:39,040 --> 00:14:40,680
control of their investments.

475
00:14:40,680 --> 00:14:41,040
Right.

476
00:14:41,040 --> 00:14:43,080
It's like there's this mental barrier

477
00:14:43,080 --> 00:14:44,880
that prevents them from fully engaging

478
00:14:44,880 --> 00:14:46,240
with their financial future.

479
00:14:46,240 --> 00:14:46,880
Absolutely.

480
00:14:46,880 --> 00:14:50,760
And it's often reinforced by societal messages and stereotypes

481
00:14:50,760 --> 00:14:53,920
that portray women as less financially savvy than men.

482
00:14:53,920 --> 00:14:54,440
Right.

483
00:14:54,440 --> 00:14:56,640
This can create a self-fulfilling prophecy

484
00:14:56,640 --> 00:14:59,280
where women internalize these messages

485
00:14:59,280 --> 00:15:02,000
and shy away from taking charge of their investments.

486
00:15:02,000 --> 00:15:02,360
Yeah.

487
00:15:02,360 --> 00:15:05,480
It's frustrating to see these outdated stereotypes persisting.

488
00:15:05,480 --> 00:15:06,480
Yeah, for sure.

489
00:15:06,480 --> 00:15:08,480
But I'm curious, are there any other factors that

490
00:15:08,480 --> 00:15:11,080
contribute to this hesitancy among women

491
00:15:11,080 --> 00:15:12,480
when it comes to investing?

492
00:15:12,480 --> 00:15:15,080
Another significant factor is risk aversion.

493
00:15:15,080 --> 00:15:15,720
OK.

494
00:15:15,720 --> 00:15:17,560
Studies have shown that on average, women

495
00:15:17,560 --> 00:15:19,400
tend to be more risk averse than men.

496
00:15:19,400 --> 00:15:19,960
OK.

497
00:15:19,960 --> 00:15:21,960
And this can manifest as a reluctance

498
00:15:21,960 --> 00:15:24,600
to invest in anything perceived as risky,

499
00:15:24,600 --> 00:15:27,760
even if there's potential for substantial rewards.

500
00:15:27,760 --> 00:15:28,720
That makes sense.

501
00:15:28,720 --> 00:15:31,000
But isn't there always some level of risk

502
00:15:31,000 --> 00:15:32,760
involved in any investment?

503
00:15:32,760 --> 00:15:36,120
Of course, every investment carries some degree of risk.

504
00:15:36,120 --> 00:15:36,760
Right.

505
00:15:36,760 --> 00:15:40,040
But it's important to distinguish between healthy risk

506
00:15:40,040 --> 00:15:41,680
and reckless speculation.

507
00:15:41,680 --> 00:15:42,440
OK.

508
00:15:42,440 --> 00:15:44,880
There are ways to manage and mitigate risk

509
00:15:44,880 --> 00:15:47,240
through diversification long-term investing

510
00:15:47,240 --> 00:15:49,440
strategies and thorough research.

511
00:15:49,440 --> 00:15:49,960
Yeah.

512
00:15:49,960 --> 00:15:51,880
Avoiding risk altogether can actually

513
00:15:51,880 --> 00:15:53,920
be detrimental to your financial well-being,

514
00:15:53,920 --> 00:15:55,120
especially in the long run.

515
00:15:55,120 --> 00:15:55,640
OK.

516
00:15:55,640 --> 00:15:57,720
By playing it too safe, you might

517
00:15:57,720 --> 00:16:01,120
miss out on opportunities for growth and wealth accumulation.

518
00:16:01,120 --> 00:16:02,760
So it's about finding that sweet spot

519
00:16:02,760 --> 00:16:05,560
between caution and calculated risk taking.

520
00:16:05,560 --> 00:16:06,320
Exactly.

521
00:16:06,320 --> 00:16:08,320
But I imagine there are other challenges that women

522
00:16:08,320 --> 00:16:11,000
face beyond confidence and risk aversion.

523
00:16:11,000 --> 00:16:11,520
You're right.

524
00:16:11,520 --> 00:16:13,560
Another hurdle is the lack of access

525
00:16:13,560 --> 00:16:15,800
to financial education and resources

526
00:16:15,800 --> 00:16:18,160
that are tailored specifically to women's needs

527
00:16:18,160 --> 00:16:19,160
and experiences.

528
00:16:19,160 --> 00:16:20,000
OK.

529
00:16:20,000 --> 00:16:22,520
Traditional financial advice often overlooks

530
00:16:22,520 --> 00:16:24,880
the unique challenges that women face,

531
00:16:24,880 --> 00:16:27,440
such as the gender pay gap, career

532
00:16:27,440 --> 00:16:30,200
breaks for caregiving, and longer life spans.

533
00:16:30,200 --> 00:16:30,560
Right.

534
00:16:30,560 --> 00:16:32,320
Those are all crucial considerations

535
00:16:32,320 --> 00:16:36,080
that can significantly impact a woman's financial trajectory.

536
00:16:36,080 --> 00:16:36,920
I'm sure.

537
00:16:36,920 --> 00:16:39,280
It seems like we need more financial literacy

538
00:16:39,280 --> 00:16:42,760
initiatives that address these specific challenges

539
00:16:42,760 --> 00:16:45,120
and empower women to make informed decisions

540
00:16:45,120 --> 00:16:46,000
about their money.

541
00:16:46,000 --> 00:16:47,040
I completely agree.

542
00:16:47,040 --> 00:16:49,920
And these initiatives need to start early encouraging girls

543
00:16:49,920 --> 00:16:53,280
and young women to develop a strong financial foundation

544
00:16:53,280 --> 00:16:55,640
and view investing as an essential part

545
00:16:55,640 --> 00:16:56,960
of their overall well-being.

546
00:16:56,960 --> 00:16:57,400
Absolutely.

547
00:16:57,400 --> 00:17:00,280
We need to shift the narrative from fear and uncertainty

548
00:17:00,280 --> 00:17:02,360
to empowerment and opportunity.

549
00:17:02,360 --> 00:17:04,400
Investing should be seen as a tool for achieving

550
00:17:04,400 --> 00:17:06,840
financial independent security and ultimately,

551
00:17:06,840 --> 00:17:08,760
the freedom to pursue your passions

552
00:17:08,760 --> 00:17:10,560
and live life on your own terms.

553
00:17:10,560 --> 00:17:11,240
Well said.

554
00:17:11,240 --> 00:17:14,720
It's about breaking down those barriers, debunking myths,

555
00:17:14,720 --> 00:17:17,040
and providing women with the knowledge, tools,

556
00:17:17,040 --> 00:17:19,840
and support they need to become confident and successful

557
00:17:19,840 --> 00:17:20,640
investors.

558
00:17:20,640 --> 00:17:22,560
Now I want to shift gears for a moment

559
00:17:22,560 --> 00:17:25,240
and talk about some of those other intriguing side hustles

560
00:17:25,240 --> 00:17:27,000
that Vanessa mentioned in her video.

561
00:17:27,000 --> 00:17:27,680
OK.

562
00:17:27,680 --> 00:17:30,360
She talked about becoming an Amazon associate,

563
00:17:30,360 --> 00:17:34,080
which seems like a great way to monetize your online presence,

564
00:17:34,080 --> 00:17:36,120
especially if you have a blog, social media

565
00:17:36,120 --> 00:17:37,600
following, or website.

566
00:17:37,600 --> 00:17:39,640
It's a popular avenue for people

567
00:17:39,640 --> 00:17:42,520
who love to share their recommendations and reviews.

568
00:17:42,520 --> 00:17:45,680
Essentially, you become an affiliate marketer for Amazon,

569
00:17:45,680 --> 00:17:47,960
promoting products you genuinely enjoy,

570
00:17:47,960 --> 00:17:50,640
and earning a commission on any sales generated

571
00:17:50,640 --> 00:17:52,840
through your unique referral links.

572
00:17:52,840 --> 00:17:54,000
It's a win-win.

573
00:17:54,000 --> 00:17:56,160
You get to share your favorite finds,

574
00:17:56,160 --> 00:17:58,640
your audience gets access to products they might love,

575
00:17:58,640 --> 00:18:00,920
and you earn a little extra income in the process.

576
00:18:00,920 --> 00:18:03,960
So it's a way to leverage your existing online platform

577
00:18:03,960 --> 00:18:06,000
and turn your passion for products

578
00:18:06,000 --> 00:18:08,120
into a profitable side hustle.

579
00:18:08,120 --> 00:18:11,160
But I imagine there's more to it than just slapping up

580
00:18:11,160 --> 00:18:13,120
a few affiliate links and hoping for the best.

581
00:18:13,120 --> 00:18:13,680
You're right.

582
00:18:13,680 --> 00:18:17,200
Success as an Amazon associate requires a strategic approach.

583
00:18:17,200 --> 00:18:17,720
OK.

584
00:18:17,720 --> 00:18:20,640
You need to choose products that align with your niche

585
00:18:20,640 --> 00:18:21,920
and audience.

586
00:18:21,920 --> 00:18:24,360
Create compelling content that showcases

587
00:18:24,360 --> 00:18:27,600
the value of those products and promote your affiliate links

588
00:18:27,600 --> 00:18:28,640
effectively.

589
00:18:28,640 --> 00:18:31,320
So it's about building trust with your audience,

590
00:18:31,320 --> 00:18:33,560
providing valuable recommendations,

591
00:18:33,560 --> 00:18:36,080
and seamlessly integrating affiliate marketing

592
00:18:36,080 --> 00:18:38,520
into your existing content strategy.

593
00:18:38,520 --> 00:18:39,360
Exactly.

594
00:18:39,360 --> 00:18:42,880
It's not about bombarding your audience with sales pitches.

595
00:18:42,880 --> 00:18:45,440
It's about authentically sharing your experiences

596
00:18:45,440 --> 00:18:48,600
and recommendations in a way that resonates with your readers

597
00:18:48,600 --> 00:18:49,680
or followers.

598
00:18:49,680 --> 00:18:50,680
That makes sense.

599
00:18:50,680 --> 00:18:52,840
Now, another side hustle that piqued my interest

600
00:18:52,840 --> 00:18:54,880
was joining marketing focus groups.

601
00:18:54,880 --> 00:18:55,600
OK.

602
00:18:55,600 --> 00:18:59,160
I love the idea of getting paid to share my opinions and insights.

603
00:18:59,160 --> 00:19:01,000
It seems like an easy and engaging way

604
00:19:01,000 --> 00:19:02,480
to earn some extra cash.

605
00:19:02,480 --> 00:19:05,200
Marketing focus groups are a valuable way for businesses

606
00:19:05,200 --> 00:19:07,600
to gather feedback on their product for services

607
00:19:07,600 --> 00:19:09,880
directly from their target audience.

608
00:19:09,880 --> 00:19:11,400
It's a win-win situation.

609
00:19:11,400 --> 00:19:13,800
Businesses gain valuable insights.

610
00:19:13,800 --> 00:19:17,280
And participants get compensated for their time and opinions.

611
00:19:17,280 --> 00:19:19,960
So it's a win-win for both businesses and participants.

612
00:19:19,960 --> 00:19:20,600
Exactly.

613
00:19:20,600 --> 00:19:23,640
But I'm curious, how do you actually find and join

614
00:19:23,640 --> 00:19:25,280
these focus groups?

615
00:19:25,280 --> 00:19:26,920
There are a few different ways to get involved.

616
00:19:26,920 --> 00:19:27,440
OK.

617
00:19:27,440 --> 00:19:30,280
You can search online for market research companies

618
00:19:30,280 --> 00:19:33,400
in your area, sign up with focus group databases,

619
00:19:33,400 --> 00:19:35,680
or keep an eye out for recruitment ads.

620
00:19:35,680 --> 00:19:36,400
OK.

621
00:19:36,400 --> 00:19:40,120
Some companies also use social media to find participants.

622
00:19:40,120 --> 00:19:43,880
And what kind of topics do these focus groups typically cover?

623
00:19:43,880 --> 00:19:47,280
The topics vary widely, depending on the needs of the businesses

624
00:19:47,280 --> 00:19:48,440
conducting the research.

625
00:19:48,440 --> 00:19:49,040
OK.

626
00:19:49,040 --> 00:19:51,520
You might be asked about your shopping habits, opinions

627
00:19:51,520 --> 00:19:55,360
on new products, experiences with specific brands,

628
00:19:55,360 --> 00:19:57,720
or even your thoughts on advertising campaigns.

629
00:19:57,720 --> 00:19:59,960
So it's a chance to share your expertise,

630
00:19:59,960 --> 00:20:02,360
provide valuable insights, and maybe even

631
00:20:02,360 --> 00:20:04,200
shape the future of products and services.

632
00:20:04,200 --> 00:20:04,800
Exactly.

633
00:20:04,800 --> 00:20:06,120
It's a way to make your voice heard,

634
00:20:06,120 --> 00:20:08,600
contribute to market research, and earn some extra income

635
00:20:08,600 --> 00:20:09,720
in the process.

636
00:20:09,720 --> 00:20:10,240
OK.

637
00:20:10,240 --> 00:20:12,760
That's definitely going on my list of side hustles to explore.

638
00:20:12,760 --> 00:20:13,360
All right.

639
00:20:13,360 --> 00:20:15,360
Now let's shift gears to a side hustle

640
00:20:15,360 --> 00:20:17,760
that sounds both luxurious and adventurous.

641
00:20:17,760 --> 00:20:18,840
OK.

642
00:20:18,840 --> 00:20:19,480
House sitting.

643
00:20:19,480 --> 00:20:20,440
Ooh.

644
00:20:20,440 --> 00:20:21,480
I like this one.

645
00:20:21,480 --> 00:20:24,800
I've always been intrigued by the idea of caring for someone's

646
00:20:24,800 --> 00:20:27,720
home while they're away, especially if it involves

647
00:20:27,720 --> 00:20:30,440
a beautiful location or unique property.

648
00:20:30,440 --> 00:20:32,160
It can be a really cool experience.

649
00:20:32,160 --> 00:20:32,520
Yeah.

650
00:20:32,520 --> 00:20:34,480
House sitting can be a fantastic way

651
00:20:34,480 --> 00:20:37,400
to experience new places, enjoy a change of scenery,

652
00:20:37,400 --> 00:20:39,760
and earn some income while doing so.

653
00:20:39,760 --> 00:20:41,840
You're essentially providing a valuable service

654
00:20:41,840 --> 00:20:46,000
by keeping the home occupied, secure, and well-maintained

655
00:20:46,000 --> 00:20:47,360
while the owners are away.

656
00:20:47,360 --> 00:20:50,920
So it's a perfect fit for someone who enjoys travel,

657
00:20:50,920 --> 00:20:53,720
loves animals if pets are involved,

658
00:20:53,720 --> 00:20:56,240
and is comfortable with household responsibilities.

659
00:20:56,240 --> 00:20:56,680
For sure.

660
00:20:56,680 --> 00:20:59,120
But how do you actually find these house sitting

661
00:20:59,120 --> 00:20:59,800
opportunities?

662
00:20:59,800 --> 00:21:00,280
Yeah.

663
00:21:00,280 --> 00:21:01,160
That's a good question.

664
00:21:01,160 --> 00:21:03,480
There are dedicated websites and platforms

665
00:21:03,480 --> 00:21:05,520
that connect house sitters with homeowners.

666
00:21:05,520 --> 00:21:06,040
OK.

667
00:21:06,040 --> 00:21:09,280
You create a profile, highlight your experience and skills,

668
00:21:09,280 --> 00:21:11,400
and browse available assignments.

669
00:21:11,400 --> 00:21:13,280
So you're saying it's a bit like a dating app?

670
00:21:13,280 --> 00:21:14,200
Yeah, kind of.

671
00:21:14,200 --> 00:21:15,320
For house sitters and homeowners.

672
00:21:15,320 --> 00:21:15,800
Exactly.

673
00:21:15,800 --> 00:21:18,480
You match with people based on your preferences

674
00:21:18,480 --> 00:21:19,560
and their needs.

675
00:21:19,560 --> 00:21:21,320
I love that analogy.

676
00:21:21,320 --> 00:21:23,640
And what are some of the key qualities

677
00:21:23,640 --> 00:21:26,560
that homeowners look for in a house sitter?

678
00:21:26,560 --> 00:21:29,280
Reliability, trustworthiness, and responsibility

679
00:21:29,280 --> 00:21:30,960
are absolutely paramount.

680
00:21:30,960 --> 00:21:31,440
OK.

681
00:21:31,440 --> 00:21:33,960
Homeowners need to feel confident that their home

682
00:21:33,960 --> 00:21:36,160
and belongings are in good hands.

683
00:21:36,160 --> 00:21:36,400
Right.

684
00:21:36,400 --> 00:21:38,880
Good communication skills are also essential,

685
00:21:38,880 --> 00:21:41,680
as is genuine love for animals if pets are involved.

686
00:21:41,680 --> 00:21:45,360
So it's about building trust, demonstrating your competence,

687
00:21:45,360 --> 00:21:48,000
and showcasing your passion for caring for homes and pets.

688
00:21:48,000 --> 00:21:48,520
Exactly.

689
00:21:48,520 --> 00:21:50,800
And of course, a love for travel and a sense of adventure

690
00:21:50,800 --> 00:21:52,040
doesn't hurt either.

691
00:21:52,040 --> 00:21:54,280
Now speaking of in-demand services,

692
00:21:54,280 --> 00:21:56,840
let's talk about virtual assistant work.

693
00:21:56,840 --> 00:21:57,600
OK.

694
00:21:57,600 --> 00:22:00,880
It seems like so many businesses, entrepreneurs,

695
00:22:00,880 --> 00:22:03,800
and even busy individuals are looking for help

696
00:22:03,800 --> 00:22:07,200
with administrative tasks, social media management,

697
00:22:07,200 --> 00:22:09,920
and other essential but time-consuming duties.

698
00:22:09,920 --> 00:22:10,240
Yeah.

699
00:22:10,240 --> 00:22:12,400
The rise of remote work and the gig economy

700
00:22:12,400 --> 00:22:15,760
has definitely fueled the demand for virtual assistants.

701
00:22:15,760 --> 00:22:18,080
It's a flexible and scalable side hustle

702
00:22:18,080 --> 00:22:20,240
that can be tailored to your skills and interests.

703
00:22:20,240 --> 00:22:23,800
So whether you're a whiz at scaling a social media guru,

704
00:22:23,800 --> 00:22:28,120
a customer service expert, or a master of organization,

705
00:22:28,120 --> 00:22:30,240
there's likely a virtual assistant niche

706
00:22:30,240 --> 00:22:31,480
that's a perfect fit for you.

707
00:22:31,480 --> 00:22:32,160
Exactly.

708
00:22:32,160 --> 00:22:34,840
But I'm curious, how do you actually find

709
00:22:34,840 --> 00:22:36,440
virtual assistant clients?

710
00:22:36,440 --> 00:22:39,360
There are tons of online platforms and job boards

711
00:22:39,360 --> 00:22:42,160
that connect virtual assistants with potential clients.

712
00:22:42,160 --> 00:22:42,680
OK.

713
00:22:42,680 --> 00:22:44,720
You can also network with entrepreneurs,

714
00:22:44,720 --> 00:22:46,880
small business owners, and other professionals

715
00:22:46,880 --> 00:22:48,480
who might need your services.

716
00:22:48,480 --> 00:22:50,120
And what are some of the key qualities

717
00:22:50,120 --> 00:22:52,400
that clients look for in a virtual assistant?

718
00:22:52,400 --> 00:22:54,600
Reliability, communication skills, and attention

719
00:22:54,600 --> 00:22:56,960
to detail are absolutely essential.

720
00:22:56,960 --> 00:22:57,240
OK.

721
00:22:57,240 --> 00:22:59,720
Clients need to feel confident that you'll meet deadlines,

722
00:22:59,720 --> 00:23:02,480
follow instructions, and handle their tasks with care

723
00:23:02,480 --> 00:23:03,560
and precision.

724
00:23:03,560 --> 00:23:05,960
So it's about demonstrating your professionalism,

725
00:23:05,960 --> 00:23:08,720
showcasing your skills, and building a reputation

726
00:23:08,720 --> 00:23:10,800
for delivering high quality work.

727
00:23:10,800 --> 00:23:11,360
Exactly.

728
00:23:11,360 --> 00:23:14,800
And of course, a positive attitude and a willingness

729
00:23:14,800 --> 00:23:17,680
to go the extra mile can go a long way in building

730
00:23:17,680 --> 00:23:19,520
strong client relationships.

731
00:23:19,520 --> 00:23:21,000
Now let's move on to a side hustle

732
00:23:21,000 --> 00:23:22,880
that taps into creative talents.

733
00:23:22,880 --> 00:23:23,600
OK.

734
00:23:23,600 --> 00:23:24,640
Designing logos.

735
00:23:24,640 --> 00:23:25,440
Oh, cool.

736
00:23:25,440 --> 00:23:28,840
Vanessa mentioned 99designs.com as a platform

737
00:23:28,840 --> 00:23:30,560
for connecting with potential clients.

738
00:23:30,560 --> 00:23:30,880
Right.

739
00:23:30,880 --> 00:23:32,600
Can you tell us more about how that works?

740
00:23:32,600 --> 00:23:34,920
99designs is a really cool platform

741
00:23:34,920 --> 00:23:37,080
that hosts design contests.

742
00:23:37,080 --> 00:23:37,520
OK.

743
00:23:37,520 --> 00:23:40,200
Businesses can use it to crowdsource logo designs

744
00:23:40,200 --> 00:23:43,440
from a global community of freelance designers.

745
00:23:43,440 --> 00:23:45,160
Designers submit their concepts,

746
00:23:45,160 --> 00:23:47,240
and the business owner chooses the winning design.

747
00:23:47,240 --> 00:23:49,880
So it's a competitive but potentially rewarding way

748
00:23:49,880 --> 00:23:52,920
to showcase your skills, gain exposure,

749
00:23:52,920 --> 00:23:55,880
and earn income from your logo design talents.

750
00:23:55,880 --> 00:23:56,680
Exactly.

751
00:23:56,680 --> 00:23:58,720
But I imagine there's more to it than just submitting

752
00:23:58,720 --> 00:24:00,880
a design and hoping for the best.

753
00:24:00,880 --> 00:24:01,800
You're absolutely right.

754
00:24:01,800 --> 00:24:04,760
Success on 99designs requires a strong understanding

755
00:24:04,760 --> 00:24:05,960
of design principles.

756
00:24:05,960 --> 00:24:06,400
OK.

757
00:24:06,400 --> 00:24:09,760
Branding and the ability to create logos that effectively

758
00:24:09,760 --> 00:24:12,360
communicate a business's message and target audience.

759
00:24:12,360 --> 00:24:14,400
So it's about combining artistic talent

760
00:24:14,400 --> 00:24:17,280
with strategic thinking and a keen eye for what

761
00:24:17,280 --> 00:24:18,800
resonates with clients.

762
00:24:18,800 --> 00:24:19,640
Exactly.

763
00:24:19,640 --> 00:24:21,800
And of course, a strong portfolio that

764
00:24:21,800 --> 00:24:24,760
showcases your best work is essential for attracting

765
00:24:24,760 --> 00:24:26,720
clients and winning contests.

766
00:24:26,720 --> 00:24:28,440
Now last but not least, let's talk

767
00:24:28,440 --> 00:24:30,320
about a side hustle that can make a real difference

768
00:24:30,320 --> 00:24:31,120
in people's lives.

769
00:24:31,120 --> 00:24:31,800
OK.

770
00:24:31,800 --> 00:24:33,760
Resume and cover letter writing.

771
00:24:33,760 --> 00:24:34,320
Yeah.

772
00:24:34,320 --> 00:24:36,120
I know so many people who struggle

773
00:24:36,120 --> 00:24:39,480
with crafting, compelling job application materials.

774
00:24:39,480 --> 00:24:40,000
Right.

775
00:24:40,000 --> 00:24:42,360
And having a skilled writer on their side

776
00:24:42,360 --> 00:24:43,680
can be a game changer.

777
00:24:43,680 --> 00:24:44,800
It can make all the difference.

778
00:24:44,800 --> 00:24:45,360
Yeah.

779
00:24:45,360 --> 00:24:48,240
Resume and cover letter writing is a valuable service

780
00:24:48,240 --> 00:24:51,720
that can help job seekers stand out in a crowded market

781
00:24:51,720 --> 00:24:55,400
and increase their chances of landing their dream jobs.

782
00:24:55,400 --> 00:24:57,400
If you have a knack for writing,

783
00:24:57,400 --> 00:24:59,800
an understanding of what employers are looking for,

784
00:24:59,800 --> 00:25:02,920
and the ability to translate a person's skills and experience

785
00:25:02,920 --> 00:25:04,680
into a compelling narrative, this

786
00:25:04,680 --> 00:25:06,760
could be a rewarding side hustle for you.

787
00:25:06,760 --> 00:25:08,640
So it's about combining writing skills

788
00:25:08,640 --> 00:25:11,920
with career counseling expertise and a genuine desire

789
00:25:11,920 --> 00:25:13,120
to help people succeed.

790
00:25:13,120 --> 00:25:13,800
Definitely.

791
00:25:13,800 --> 00:25:16,240
But I'm curious, where do you find clients

792
00:25:16,240 --> 00:25:18,080
for this type of service?

793
00:25:18,080 --> 00:25:19,560
Networking is key.

794
00:25:19,560 --> 00:25:22,760
You can connect with job seekers through online platforms,

795
00:25:22,760 --> 00:25:26,200
career fairs, and even word of mouth referrals.

796
00:25:26,200 --> 00:25:27,960
Building a strong online presence,

797
00:25:27,960 --> 00:25:31,080
showcasing your expertise, and offering free resources

798
00:25:31,080 --> 00:25:34,440
or tips can also help you attract potential clients.

799
00:25:34,440 --> 00:25:36,520
So it's about building relationships,

800
00:25:36,520 --> 00:25:39,120
establishing your credibility, and demonstrating

801
00:25:39,120 --> 00:25:42,040
your passion for helping people achieve their career goals.

802
00:25:42,040 --> 00:25:42,920
Exactly.

803
00:25:42,920 --> 00:25:45,920
And the satisfaction of seeing your clients land

804
00:25:45,920 --> 00:25:49,960
their dream jobs is a reward that goes beyond any monetary

805
00:25:49,960 --> 00:25:51,200
compensation.

806
00:25:51,200 --> 00:25:53,400
I love that it's a beautiful reminder

807
00:25:53,400 --> 00:25:57,000
that side hustles can be about more than just earning

808
00:25:57,000 --> 00:25:58,360
extra income.

809
00:25:58,360 --> 00:26:01,320
They can be about making a positive impact

810
00:26:01,320 --> 00:26:03,680
and contributing to something larger than ourselves.

811
00:26:03,680 --> 00:26:04,400
Well said.

812
00:26:04,400 --> 00:26:06,440
And that's what makes exploring the world of side hustle

813
00:26:06,440 --> 00:26:07,400
so exciting.

814
00:26:07,400 --> 00:26:07,920
Yeah.

815
00:26:07,920 --> 00:26:09,760
It's about discovering new possibilities,

816
00:26:09,760 --> 00:26:12,480
unlocking hidden talents, and creating a life that's

817
00:26:12,480 --> 00:26:14,280
both fulfilling and impactful.

818
00:26:14,280 --> 00:26:15,720
We've covered so much ground already.

819
00:26:15,720 --> 00:26:16,880
I know, right?

820
00:26:16,880 --> 00:26:18,520
But I want to circle back to our conversation

821
00:26:18,520 --> 00:26:19,720
about investing for a moment.

822
00:26:19,720 --> 00:26:20,160
OK.

823
00:26:20,160 --> 00:26:22,120
Because you brought up a really important concept,

824
00:26:22,120 --> 00:26:23,880
compound interest.

825
00:26:23,880 --> 00:26:25,960
I know it's a fundamental principle of investing.

826
00:26:25,960 --> 00:26:26,480
Yeah.

827
00:26:26,480 --> 00:26:28,520
But I think it's worth delving into a bit further,

828
00:26:28,520 --> 00:26:32,240
because it can be a bit abstract and difficult to grasp.

829
00:26:32,240 --> 00:26:32,720
I agree.

830
00:26:32,720 --> 00:26:34,720
It can be a little bit confusing at first.

831
00:26:34,720 --> 00:26:34,840
Yeah.

832
00:26:34,840 --> 00:26:36,080
So can you break it down for us?

833
00:26:36,080 --> 00:26:37,120
Yeah, absolutely.

834
00:26:37,120 --> 00:26:39,480
Like what exactly is compound interest?

835
00:26:39,480 --> 00:26:42,600
Compound interest is often called the eighth wonder

836
00:26:42,600 --> 00:26:43,800
of the world.

837
00:26:43,800 --> 00:26:44,320
Wow.

838
00:26:44,320 --> 00:26:48,000
And for good reason, it's like a snowball effect applied

839
00:26:48,000 --> 00:26:48,720
to your money.

840
00:26:48,720 --> 00:26:49,280
OK.

841
00:26:49,280 --> 00:26:52,480
Essentially, it's the concept of earning interest

842
00:26:52,480 --> 00:26:54,040
on your initial investment.

843
00:26:54,040 --> 00:26:54,560
OK.

844
00:26:54,560 --> 00:26:56,840
And then earning interest on that interest.

845
00:26:56,840 --> 00:26:57,400
OK.

846
00:26:57,400 --> 00:26:58,120
And so on.

847
00:26:58,120 --> 00:27:00,760
So it's like your money is working for you,

848
00:27:00,760 --> 00:27:03,080
generating more money even while you sleep.

849
00:27:03,080 --> 00:27:03,880
Exactly.

850
00:27:03,880 --> 00:27:06,760
And the longer you invest, the more powerful this effect

851
00:27:06,760 --> 00:27:07,720
becomes.

852
00:27:07,720 --> 00:27:08,240
Wow.

853
00:27:08,240 --> 00:27:10,880
That's why starting early is so crucial,

854
00:27:10,880 --> 00:27:13,840
even if you can only invest small amounts initially.

855
00:27:13,840 --> 00:27:14,440
Right.

856
00:27:14,440 --> 00:27:18,320
Over time, those small amounts can grow exponentially

857
00:27:18,320 --> 00:27:21,120
thanks to the magic of compound interest.

858
00:27:21,120 --> 00:27:23,160
Can you give us a concrete example of how this works?

859
00:27:23,160 --> 00:27:23,560
Absolutely.

860
00:27:23,560 --> 00:27:26,840
Let's say you invest $1,000 today at an annual interest

861
00:27:26,840 --> 00:27:28,520
rate of 7%.

862
00:27:28,520 --> 00:27:32,040
After one year, you'll earn $70 in interest,

863
00:27:32,040 --> 00:27:34,400
bringing your total to $1,070.

864
00:27:34,400 --> 00:27:35,040
OK.

865
00:27:35,040 --> 00:27:37,440
But here's where compound interest kicks in.

866
00:27:37,440 --> 00:27:37,920
OK.

867
00:27:37,920 --> 00:27:40,640
In the second year, you'll earn 7% interest,

868
00:27:40,640 --> 00:27:46,040
not just on your initial $1,000, but on the entire $1,070.

869
00:27:46,040 --> 00:27:46,880
OK.

870
00:27:46,880 --> 00:27:50,760
So in year two, you'll earn $74.90 in interest.

871
00:27:50,760 --> 00:27:51,240
Got it.

872
00:27:51,240 --> 00:27:57,040
And in year three, you'll earn interest on $11,144.90.

873
00:27:57,040 --> 00:27:57,560
OK.

874
00:27:57,560 --> 00:27:58,320
And so on.

875
00:27:58,320 --> 00:28:00,960
So your earnings are compounding growing faster and faster

876
00:28:00,960 --> 00:28:01,680
over time.

877
00:28:01,680 --> 00:28:02,120
Exactly.

878
00:28:02,120 --> 00:28:04,400
It really is like a snowball gaining momentum

879
00:28:04,400 --> 00:28:05,320
as it rolls downhill.

880
00:28:05,320 --> 00:28:05,880
Exactly.

881
00:28:05,880 --> 00:28:08,240
And the longer you let that snowball roll,

882
00:28:08,240 --> 00:28:09,840
the larger it becomes.

883
00:28:09,840 --> 00:28:10,280
Wow.

884
00:28:10,280 --> 00:28:12,480
That's why time is your greatest ally

885
00:28:12,480 --> 00:28:13,720
when it comes to investing.

886
00:28:13,720 --> 00:28:14,800
Earlier you start.

887
00:28:14,800 --> 00:28:17,280
More time you have to benefit from the power of compound

888
00:28:17,280 --> 00:28:18,000
interest.

889
00:28:18,000 --> 00:28:19,640
This is all starting to make sense now.

890
00:28:19,640 --> 00:28:20,000
Good.

891
00:28:20,000 --> 00:28:22,040
But I imagine there's more to compound interest

892
00:28:22,040 --> 00:28:23,920
than just the basic concept.

893
00:28:23,920 --> 00:28:24,280
Right.

894
00:28:24,280 --> 00:28:26,200
Are there different types of compounding?

895
00:28:26,200 --> 00:28:26,880
Yes.

896
00:28:26,880 --> 00:28:29,240
The frequency of compounding can have a big impact

897
00:28:29,240 --> 00:28:30,400
on your overall returns.

898
00:28:30,400 --> 00:28:30,800
OK.

899
00:28:30,800 --> 00:28:32,720
Compounding can occur annually.

900
00:28:32,720 --> 00:28:33,080
OK.

901
00:28:33,080 --> 00:28:33,840
Semi-annual.

902
00:28:33,840 --> 00:28:36,960
It's quarterly, monthly, or even daily.

903
00:28:36,960 --> 00:28:37,480
Wow.

904
00:28:37,480 --> 00:28:39,920
The more frequently interest is compounded,

905
00:28:39,920 --> 00:28:41,560
the faster your money grows.

906
00:28:41,560 --> 00:28:44,800
So daily compounding would result in faster growth

907
00:28:44,800 --> 00:28:46,000
than annual compounding.

908
00:28:46,000 --> 00:28:46,640
Precisely.

909
00:28:46,640 --> 00:28:49,200
It's like adding a turbocharger to your investment engine.

910
00:28:49,200 --> 00:28:51,280
I love that analogy.

911
00:28:51,280 --> 00:28:53,000
This is all fascinating stuff.

912
00:28:53,000 --> 00:28:53,760
Yeah.

913
00:28:53,760 --> 00:28:56,200
I'm starting to see why compound interest is considered

914
00:28:56,200 --> 00:28:58,160
such a powerful force in wealth building.

915
00:28:58,160 --> 00:28:59,080
It's amazing.

916
00:28:59,080 --> 00:29:01,120
But I imagine there are other factors that

917
00:29:01,120 --> 00:29:03,840
can impact the effectiveness of compound interest.

918
00:29:03,840 --> 00:29:04,240
Right.

919
00:29:04,240 --> 00:29:05,040
Absolutely.

920
00:29:05,040 --> 00:29:07,480
The interest rate you earn on your investments

921
00:29:07,480 --> 00:29:09,960
is a key driver of compound growth.

922
00:29:09,960 --> 00:29:10,400
OK.

923
00:29:10,400 --> 00:29:13,400
Higher interest rates lead to faster compounding

924
00:29:13,400 --> 00:29:14,720
and greater returns over time.

925
00:29:14,720 --> 00:29:15,200
Right.

926
00:29:15,200 --> 00:29:17,760
However, it's important to remember that higher returns often

927
00:29:17,760 --> 00:29:19,080
come with higher risks.

928
00:29:19,080 --> 00:29:21,640
So it's about finding that balance between risk and reward

929
00:29:21,640 --> 00:29:22,760
as we discussed earlier.

930
00:29:22,760 --> 00:29:23,680
Exactly.

931
00:29:23,680 --> 00:29:26,000
And it's also important to factor in inflation.

932
00:29:26,000 --> 00:29:26,320
OK.

933
00:29:26,320 --> 00:29:30,320
Inflation erodes the purchasing power of your money over time.

934
00:29:30,320 --> 00:29:32,440
So while your investments might be growing,

935
00:29:32,440 --> 00:29:36,000
the value of that growth might be diminished by inflation.

936
00:29:36,000 --> 00:29:40,200
So it's essential to consider the real rate of return, which

937
00:29:40,200 --> 00:29:41,800
is the return on your investments

938
00:29:41,800 --> 00:29:43,560
after accounting for inflation.

939
00:29:43,560 --> 00:29:44,240
Precisely.

940
00:29:44,240 --> 00:29:46,560
And that's why it's crucial to choose investments

941
00:29:46,560 --> 00:29:49,120
that have the potential to outpace inflation.

942
00:29:49,120 --> 00:29:49,480
Right.

943
00:29:49,480 --> 00:29:51,920
Preserving the value of your savings

944
00:29:51,920 --> 00:29:54,800
and ensuring that your money continues to grow in real terms.

945
00:29:54,800 --> 00:29:57,520
This is all incredibly valuable information.

946
00:29:57,520 --> 00:29:59,760
I'm feeling much more confident in my understanding

947
00:29:59,760 --> 00:30:03,280
of compound interest and its role in building long-term wealth.

948
00:30:03,280 --> 00:30:04,120
That's great to hear.

949
00:30:04,120 --> 00:30:07,160
And remember, compound interest is a patient game.

950
00:30:07,160 --> 00:30:07,800
OK.

951
00:30:07,800 --> 00:30:09,360
It's not about getting rich quick.

952
00:30:09,360 --> 00:30:09,640
Right.

953
00:30:09,640 --> 00:30:12,880
It's about consistent saving, disciplined investing,

954
00:30:12,880 --> 00:30:15,080
and letting time work its magic.

955
00:30:15,080 --> 00:30:18,320
Now as we wrap up this segment on compound interest,

956
00:30:18,320 --> 00:30:20,440
I'm curious to connect it back to our earlier discussion

957
00:30:20,440 --> 00:30:21,400
about side hustles.

958
00:30:21,400 --> 00:30:22,360
OK.

959
00:30:22,360 --> 00:30:25,600
How can side hustles play a role in maximizing

960
00:30:25,600 --> 00:30:27,280
the benefits of compound interest?

961
00:30:27,280 --> 00:30:28,800
That's a brilliant question.

962
00:30:28,800 --> 00:30:29,160
Thanks.

963
00:30:29,160 --> 00:30:32,280
Side hustles can provide an additional stream of income

964
00:30:32,280 --> 00:30:34,240
that can be directed towards investments

965
00:30:34,240 --> 00:30:36,440
accelerating the power of compounding.

966
00:30:36,440 --> 00:30:40,520
By supplementing your primary income with side hustle earnings,

967
00:30:40,520 --> 00:30:43,080
you can increase your savings rate, invest more money,

968
00:30:43,080 --> 00:30:46,320
and ultimately achieve your financial goals faster.

969
00:30:46,320 --> 00:30:49,160
So it's like a double whammy of financial empowerment.

970
00:30:49,160 --> 00:30:49,960
Exactly.

971
00:30:49,960 --> 00:30:51,680
Earning more through side hustles

972
00:30:51,680 --> 00:30:53,960
and then leveraging that extra income

973
00:30:53,960 --> 00:30:56,840
to supercharge your investments through compound interest.

974
00:30:56,840 --> 00:30:57,640
Precisely.

975
00:30:57,640 --> 00:30:59,560
It's a powerful combination that can

976
00:30:59,560 --> 00:31:03,160
help women overcome financial obstacles, build wealth,

977
00:31:03,160 --> 00:31:06,720
and create a more secure and prosperous future.

978
00:31:06,720 --> 00:31:08,960
Now before we move on to our final thoughts,

979
00:31:08,960 --> 00:31:11,960
I'd like to circle back to Vanessa's YouTube video

980
00:31:11,960 --> 00:31:14,960
and highlight one more side hustle that stood out to me.

981
00:31:14,960 --> 00:31:16,440
Resume and cover letter writing.

982
00:31:16,440 --> 00:31:17,360
Right.

983
00:31:17,360 --> 00:31:20,240
I think this is a service that's often overlooked

984
00:31:20,240 --> 00:31:23,320
but can make a huge difference in a job seeker's success.

985
00:31:23,320 --> 00:31:24,280
Absolutely.

986
00:31:24,280 --> 00:31:26,280
A well-crafted resume and cover letter

987
00:31:26,280 --> 00:31:29,400
can be the key to unlocking job opportunities

988
00:31:29,400 --> 00:31:31,920
and setting yourself apart from the competition.

989
00:31:31,920 --> 00:31:34,880
But I imagine many people feel intimidated by the process

990
00:31:34,880 --> 00:31:35,960
of writing these documents.

991
00:31:35,960 --> 00:31:36,760
Yeah, for sure.

992
00:31:36,760 --> 00:31:37,880
Where do you even begin?

993
00:31:37,880 --> 00:31:38,360
Yeah.

994
00:31:38,360 --> 00:31:40,960
What are the key elements that make a resume and cover

995
00:31:40,960 --> 00:31:42,360
letter stand out?

996
00:31:42,360 --> 00:31:45,280
The first step is to understand your audience.

997
00:31:45,280 --> 00:31:46,720
Who are you writing to?

998
00:31:46,720 --> 00:31:47,120
Right.

999
00:31:47,120 --> 00:31:49,160
What are their needs and priorities?

1000
00:31:49,160 --> 00:31:51,040
What are they looking for in a candidate?

1001
00:31:51,040 --> 00:31:51,480
OK.

1002
00:31:51,480 --> 00:31:53,640
Once you have a clear understanding of your target

1003
00:31:53,640 --> 00:31:57,000
audience, you can tailor your resume and cover letter

1004
00:31:57,000 --> 00:31:59,240
to highlight the skills and experiences that

1005
00:31:59,240 --> 00:32:03,280
are most relevant to the specific job you're applying for.

1006
00:32:03,280 --> 00:32:07,080
So it's not about creating a generic one-size-fits-all

1007
00:32:07,080 --> 00:32:07,600
resume.

1008
00:32:07,600 --> 00:32:08,520
Exactly.

1009
00:32:08,520 --> 00:32:10,920
It's about customizing your materials

1010
00:32:10,920 --> 00:32:13,640
to showcase your unique value proposition

1011
00:32:13,640 --> 00:32:15,600
for each specific opportunity.

1012
00:32:15,600 --> 00:32:16,320
Precisely.

1013
00:32:16,320 --> 00:32:18,640
And it's important to remember that a resume is not just

1014
00:32:18,640 --> 00:32:21,640
a list of your previous jobs and responsibilities.

1015
00:32:21,640 --> 00:32:23,240
It's a marketing document designed

1016
00:32:23,240 --> 00:32:26,320
to showcase your achievements, skills, and potential.

1017
00:32:26,320 --> 00:32:26,920
OK.

1018
00:32:26,920 --> 00:32:29,160
Think of it as your personal highlight reel.

1019
00:32:29,160 --> 00:32:31,240
So it's about telling a compelling story,

1020
00:32:31,240 --> 00:32:32,640
highlighting your accomplishments,

1021
00:32:32,640 --> 00:32:35,320
and demonstrating how your skills and experience

1022
00:32:35,320 --> 00:32:37,200
align with the needs of the employer.

1023
00:32:37,200 --> 00:32:37,840
Exactly.

1024
00:32:37,840 --> 00:32:40,040
And your cover letter provides an opportunity

1025
00:32:40,040 --> 00:32:41,720
to expand on your resume.

1026
00:32:41,720 --> 00:32:44,640
Providing context, showcasing your personality,

1027
00:32:44,640 --> 00:32:47,440
and expressing your enthusiasm for the specific role

1028
00:32:47,440 --> 00:32:48,440
in company.

1029
00:32:48,440 --> 00:32:51,760
So it's a chance to connect with the reader on a personal level,

1030
00:32:51,760 --> 00:32:55,040
demonstrate your passion, and make a memorable impression.

1031
00:32:55,040 --> 00:32:56,160
Precisely.

1032
00:32:56,160 --> 00:32:57,840
And a well-written cover letter can

1033
00:32:57,840 --> 00:33:00,240
be the key to securing an interview

1034
00:33:00,240 --> 00:33:01,720
and landing your dream job.

1035
00:33:01,720 --> 00:33:04,120
Now, I know we've talked a lot about the content of resumes

1036
00:33:04,120 --> 00:33:04,920
and cover letters.

1037
00:33:04,920 --> 00:33:05,420
Yeah.

1038
00:33:05,420 --> 00:33:07,640
But I'm also curious about the visual presentation.

1039
00:33:07,640 --> 00:33:08,140
Right.

1040
00:33:08,140 --> 00:33:11,840
Is there a specific format or style that's most effective?

1041
00:33:11,840 --> 00:33:14,400
The visual presentation of your resume and cover letter

1042
00:33:14,400 --> 00:33:16,280
is just as important as the content.

1043
00:33:16,280 --> 00:33:16,720
OK.

1044
00:33:16,720 --> 00:33:19,080
A clean, professional, and easy to read format

1045
00:33:19,080 --> 00:33:21,720
is essential for making a positive first impression.

1046
00:33:21,720 --> 00:33:25,360
So no crazy fonts, distracting colors, or cluttered layouts.

1047
00:33:25,360 --> 00:33:25,800
Exactly.

1048
00:33:25,800 --> 00:33:28,200
Keep it simple, elegant, and professional.

1049
00:33:28,200 --> 00:33:28,840
OK.

1050
00:33:28,840 --> 00:33:31,640
Use a clear and concise font, consistent spacing,

1051
00:33:31,640 --> 00:33:34,600
and bullet points to highlight key information,

1052
00:33:34,600 --> 00:33:36,560
and make sure to proofread carefully

1053
00:33:36,560 --> 00:33:38,960
for any typos or grammatical errors.

1054
00:33:38,960 --> 00:33:40,560
Those are all great tips.

1055
00:33:40,560 --> 00:33:42,640
Now, as we wrap up this segment on resume and cover

1056
00:33:42,640 --> 00:33:45,240
letter writing, I'd love to hear your thoughts on why

1057
00:33:45,240 --> 00:33:48,040
this side hustle can be so rewarding, both for the writer

1058
00:33:48,040 --> 00:33:49,080
and the job seeker.

1059
00:33:49,080 --> 00:33:50,840
For the writer, it's an opportunity

1060
00:33:50,840 --> 00:33:54,440
to use your skills to help people achieve their career goals.

1061
00:33:54,440 --> 00:33:54,960
Right.

1062
00:33:54,960 --> 00:33:58,000
It's a chance to make a tangible difference in someone's life,

1063
00:33:58,000 --> 00:34:01,280
guiding them towards a path of professional fulfillment.

1064
00:34:01,280 --> 00:34:04,040
And for the job seeker, having a skilled writer on their side

1065
00:34:04,040 --> 00:34:08,120
can provide a sense of confidence, clarity, and direction.

1066
00:34:08,120 --> 00:34:10,880
It can help them articulate their value proposition,

1067
00:34:10,880 --> 00:34:13,160
present themselves in the best possible light,

1068
00:34:13,160 --> 00:34:15,760
and ultimately increase their chances of landing their dream

1069
00:34:15,760 --> 00:34:16,600
job.

1070
00:34:16,600 --> 00:34:18,760
That's such a beautiful reminder that side hustles

1071
00:34:18,760 --> 00:34:22,160
can be about more than just earning extra income.

1072
00:34:22,160 --> 00:34:22,760
Absolutely.

1073
00:34:22,760 --> 00:34:25,440
It can be about empowering others, fostering connections,

1074
00:34:25,440 --> 00:34:27,520
and making a positive impact on the world.

1075
00:34:27,520 --> 00:34:28,160
Well said.

1076
00:34:28,160 --> 00:34:30,600
And that's what makes exploring the world of side hustles

1077
00:34:30,600 --> 00:34:32,080
so rewarding.

1078
00:34:32,080 --> 00:34:34,280
It's about discovering new possibilities,

1079
00:34:34,280 --> 00:34:37,880
unleashing your creativity, and contributing your unique talents

1080
00:34:37,880 --> 00:34:39,840
to something larger than yourself.

1081
00:34:39,840 --> 00:34:43,320
Now as we transition into the final part of our deep dive,

1082
00:34:43,320 --> 00:34:46,040
I want to revisit our discussion about financial literacy

1083
00:34:46,040 --> 00:34:47,160
for a moment.

1084
00:34:47,160 --> 00:34:48,600
We touched on it earlier.

1085
00:34:48,600 --> 00:34:52,160
But I think it's a topic that deserves further exploration,

1086
00:34:52,160 --> 00:34:55,560
especially in the context of side hustles and empowering women

1087
00:34:55,560 --> 00:34:57,560
to take control of their financial futures.

1088
00:34:57,560 --> 00:34:58,480
You're absolutely right.

1089
00:34:58,480 --> 00:35:01,440
Financial literacy is crucial for everyone.

1090
00:35:01,440 --> 00:35:03,520
But it's especially important for women,

1091
00:35:03,520 --> 00:35:07,080
given the unique financial challenges they often face.

1092
00:35:07,080 --> 00:35:09,360
Empowering women with the knowledge and skills

1093
00:35:09,360 --> 00:35:11,800
to manage their money, effectively

1094
00:35:11,800 --> 00:35:13,520
make informed financial decisions,

1095
00:35:13,520 --> 00:35:17,160
and build long-term wealth is essential for closing the gender

1096
00:35:17,160 --> 00:35:20,600
wealth gap and creating a more equitable society.

1097
00:35:20,600 --> 00:35:23,240
So it's about equipping women with the tools and resources

1098
00:35:23,240 --> 00:35:25,600
to take control of their financial destinies,

1099
00:35:25,600 --> 00:35:28,240
build a secure future, and achieve their dreams.

1100
00:35:28,240 --> 00:35:29,280
Exactly.

1101
00:35:29,280 --> 00:35:32,560
Financial literacy encompasses a wide range of topics,

1102
00:35:32,560 --> 00:35:36,400
from budgeting and saving to investing and retirement

1103
00:35:36,400 --> 00:35:37,440
planning.

1104
00:35:37,440 --> 00:35:40,520
And it's never too early or too late

1105
00:35:40,520 --> 00:35:43,320
to start learning and developing these essential skills.

1106
00:35:43,320 --> 00:35:46,120
But I imagine that many women feel intimidated

1107
00:35:46,120 --> 00:35:49,080
by the world of finance.

1108
00:35:49,080 --> 00:35:50,240
Where do you even begin?

1109
00:35:50,240 --> 00:35:50,920
Yeah.

1110
00:35:50,920 --> 00:35:53,480
What are some of the first steps towards building

1111
00:35:53,480 --> 00:35:55,040
financial literacy?

1112
00:35:55,040 --> 00:35:58,120
A great starting point is to develop a budget.

1113
00:35:58,120 --> 00:36:01,560
Understanding your income expenses and spending patterns

1114
00:36:01,560 --> 00:36:04,560
is crucial for gaining control of your finances.

1115
00:36:04,560 --> 00:36:06,880
There are lots of online tools and resources

1116
00:36:06,880 --> 00:36:09,360
available to help you create a budget that

1117
00:36:09,360 --> 00:36:11,240
works for your specific situation.

1118
00:36:11,240 --> 00:36:12,960
So it's about tracking your spending,

1119
00:36:12,960 --> 00:36:15,360
identifying areas where you can save,

1120
00:36:15,360 --> 00:36:18,160
and setting financial goals that align with your priorities.

1121
00:36:18,160 --> 00:36:18,960
Precisely.

1122
00:36:18,960 --> 00:36:21,400
And once you have a handle on your budget,

1123
00:36:21,400 --> 00:36:24,440
you can start exploring other aspects of financial literacy,

1124
00:36:24,440 --> 00:36:26,880
such as saving, investing, and debt management.

1125
00:36:26,880 --> 00:36:29,760
Are there any specific resources or organizations

1126
00:36:29,760 --> 00:36:32,840
that you recommend for women seeking to enhance

1127
00:36:32,840 --> 00:36:34,240
their financial literacy?

1128
00:36:34,240 --> 00:36:36,240
There are so many great organizations

1129
00:36:36,240 --> 00:36:38,640
dedicated to empowering women financially.

1130
00:36:38,640 --> 00:36:39,440
Oh, that's awesome.

1131
00:36:39,440 --> 00:36:41,600
The Financial Literacy for Women initiative

1132
00:36:41,600 --> 00:36:44,640
offers a wealth of resources and educational programs.

1133
00:36:44,640 --> 00:36:47,040
The Women's Institute for Financial Education

1134
00:36:47,040 --> 00:36:50,200
provides workshops, webinars, and online courses

1135
00:36:50,200 --> 00:36:52,400
on a variety of financial topics.

1136
00:36:52,400 --> 00:36:54,480
And the National Foundation for Credit Counseling

1137
00:36:54,480 --> 00:36:57,760
offers free financial counseling and education services.

1138
00:36:57,760 --> 00:36:59,360
Those are all fantastic resources.

1139
00:36:59,360 --> 00:37:00,120
Yeah, they are.

1140
00:37:00,120 --> 00:37:03,320
And I imagine that local libraries and community centers

1141
00:37:03,320 --> 00:37:06,120
often offer financial literacy workshops and programs

1142
00:37:06,120 --> 00:37:07,080
as well.

1143
00:37:07,080 --> 00:37:08,080
You're absolutely right.

1144
00:37:08,080 --> 00:37:11,120
There are numerous opportunities to learn and develop

1145
00:37:11,120 --> 00:37:15,600
your financial skills, often right within your own community.

1146
00:37:15,600 --> 00:37:17,640
This is all incredibly empowering.

1147
00:37:17,640 --> 00:37:18,280
It is.

1148
00:37:18,280 --> 00:37:21,840
I love the idea of women taking control of their finances,

1149
00:37:21,840 --> 00:37:24,800
building confidence in their financial decision making,

1150
00:37:24,800 --> 00:37:27,440
and creating a more secure and prosperous future.

1151
00:37:27,440 --> 00:37:28,080
Me too.

1152
00:37:28,080 --> 00:37:30,000
Financial literacy is the foundation

1153
00:37:30,000 --> 00:37:31,640
of economic empowerment.

1154
00:37:31,640 --> 00:37:34,120
And it's essential for women to have the knowledge, skills,

1155
00:37:34,120 --> 00:37:37,080
and resources to thrive in today's complex financial

1156
00:37:37,080 --> 00:37:38,000
landscape.

1157
00:37:38,000 --> 00:37:40,840
Now, as we wrap up this segment on financial literacy,

1158
00:37:40,840 --> 00:37:43,480
I'd love to connect it back to our earlier discussion

1159
00:37:43,480 --> 00:37:44,800
about side hustles.

1160
00:37:44,800 --> 00:37:49,000
How can side hustles contribute to a woman's financial literacy

1161
00:37:49,000 --> 00:37:49,680
journey?

1162
00:37:49,680 --> 00:37:51,120
That's a great question.

1163
00:37:51,120 --> 00:37:51,600
Thank you.

1164
00:37:51,600 --> 00:37:53,800
Side hustles can provide a hands-on learning experience

1165
00:37:53,800 --> 00:37:55,240
in financial management.

1166
00:37:55,240 --> 00:37:57,160
But starting and running a side hustle,

1167
00:37:57,160 --> 00:37:59,960
women gain valuable skills in budgeting pricing expense

1168
00:37:59,960 --> 00:38:01,760
tracking and profit management.

1169
00:38:01,760 --> 00:38:03,920
So it's like a mini MBA in financial literacy.

1170
00:38:03,920 --> 00:38:04,680
Exactly.

1171
00:38:04,680 --> 00:38:07,040
But with the added benefit of potentially earning income.

1172
00:38:07,040 --> 00:38:07,720
Exactly.

1173
00:38:07,720 --> 00:38:11,120
And the experience of managing finances on a smaller scale

1174
00:38:11,120 --> 00:38:14,200
through a side hustle can build confidence and prepare women

1175
00:38:14,200 --> 00:38:17,200
to take on more complex financial challenges

1176
00:38:17,200 --> 00:38:19,200
in their personal and professional lives.

1177
00:38:19,200 --> 00:38:20,440
That's so inspiring.

1178
00:38:20,440 --> 00:38:20,880
Yeah.

1179
00:38:20,880 --> 00:38:23,200
I love the idea of side hustles serving

1180
00:38:23,200 --> 00:38:25,840
as a catalyst for financial empowerment,

1181
00:38:25,840 --> 00:38:27,840
not just through the income they generate,

1182
00:38:27,840 --> 00:38:30,280
but also through the valuable skills and experiences

1183
00:38:30,280 --> 00:38:30,920
they provide.

1184
00:38:30,920 --> 00:38:31,600
Well said.

1185
00:38:31,600 --> 00:38:33,480
It's about creating a virtuous cycle

1186
00:38:33,480 --> 00:38:36,440
of learning growth and financial well-being.

1187
00:38:36,440 --> 00:38:38,880
Now, as we transition to our final thoughts,

1188
00:38:38,880 --> 00:38:40,480
I want to take a moment to delve into one

1189
00:38:40,480 --> 00:38:43,680
of the most intriguing side hustles we've discussed today.

1190
00:38:43,680 --> 00:38:44,600
Ghostwriting.

1191
00:38:44,600 --> 00:38:48,600
The idea of crafting compelling content for others

1192
00:38:48,600 --> 00:38:51,840
working behind the scenes and witnessing your words come

1193
00:38:51,840 --> 00:38:54,120
to life through someone else's voice

1194
00:38:54,120 --> 00:38:56,040
is both mysterious and alluring.

1195
00:38:56,040 --> 00:38:56,520
It is.

1196
00:38:56,520 --> 00:38:58,040
It's a fascinating world.

1197
00:38:58,040 --> 00:38:58,360
Yeah.

1198
00:38:58,360 --> 00:39:01,400
Full of creative challenges, intellectual stimulation,

1199
00:39:01,400 --> 00:39:03,920
and the satisfaction of playing a pivotal role

1200
00:39:03,920 --> 00:39:07,040
and bringing someone else's vision to fruition.

1201
00:39:07,040 --> 00:39:08,760
But I imagine it's not for everyone.

1202
00:39:08,760 --> 00:39:09,160
Yeah.

1203
00:39:09,160 --> 00:39:13,280
What kind of person thrives as a ghostwriter?

1204
00:39:13,280 --> 00:39:15,040
What are some of the key qualities

1205
00:39:15,040 --> 00:39:17,600
that are essential for success in this field?

1206
00:39:17,600 --> 00:39:19,240
First and foremost, a ghostwriter

1207
00:39:19,240 --> 00:39:21,320
must be an exceptional writer.

1208
00:39:21,320 --> 00:39:23,640
They need to possess a mastery of language grammar

1209
00:39:23,640 --> 00:39:25,080
and storytelling.

1210
00:39:25,080 --> 00:39:27,000
They should be able to adapt their writing style

1211
00:39:27,000 --> 00:39:30,120
to different voices and genres, seamlessly capturing

1212
00:39:30,120 --> 00:39:32,920
the essence of their client's ideas and intentions.

1213
00:39:32,920 --> 00:39:35,280
So it's about being a chameleon of words,

1214
00:39:35,280 --> 00:39:37,640
seamlessly blending into the background,

1215
00:39:37,640 --> 00:39:40,080
while simultaneously elevating the quality of the content.

1216
00:39:40,080 --> 00:39:40,680
Exactly.

1217
00:39:40,680 --> 00:39:44,120
And beyond technical writing skills, a successful ghostwriter

1218
00:39:44,120 --> 00:39:46,840
must also possess a keen sense of empathy

1219
00:39:46,840 --> 00:39:49,400
and the ability to connect with their clients

1220
00:39:49,400 --> 00:39:50,520
on a deeper level.

1221
00:39:50,520 --> 00:39:51,000
OK.

1222
00:39:51,000 --> 00:39:54,120
They need to understand their client's vision motivations

1223
00:39:54,120 --> 00:39:57,880
and goals in order to craft a narrative that authentically

1224
00:39:57,880 --> 00:39:59,760
reflects their voice and message.

1225
00:39:59,760 --> 00:40:02,520
So it's about being a storyteller, a confidant,

1226
00:40:02,520 --> 00:40:04,920
and a collaborator all rolled into one.

1227
00:40:04,920 --> 00:40:05,800
Precisely.

1228
00:40:05,800 --> 00:40:09,000
And perhaps most importantly, a ghostwriter

1229
00:40:09,000 --> 00:40:11,640
must be comfortable with anonymity.

1230
00:40:11,640 --> 00:40:14,280
Their work exists behind the scenes,

1231
00:40:14,280 --> 00:40:17,640
often without public recognition or attribution.

1232
00:40:17,640 --> 00:40:21,320
They must find fulfillment in the act of creation itself,

1233
00:40:21,320 --> 00:40:24,240
knowing that their words are making a difference,

1234
00:40:24,240 --> 00:40:26,960
even if their name is not attached to the final product.

1235
00:40:26,960 --> 00:40:29,240
That's such a unique and selfless perspective.

1236
00:40:29,240 --> 00:40:31,160
It's about the joy of crafting words,

1237
00:40:31,160 --> 00:40:33,720
the satisfaction of bringing stories to life,

1238
00:40:33,720 --> 00:40:35,680
and the fulfillment of playing a vital role

1239
00:40:35,680 --> 00:40:37,080
in someone else's success.

1240
00:40:37,080 --> 00:40:38,080
Exactly.

1241
00:40:38,080 --> 00:40:39,920
Ghostwriting is a craft that requires

1242
00:40:39,920 --> 00:40:42,560
a special blend of talent, humility,

1243
00:40:42,560 --> 00:40:44,800
and a deep love for the written word.

1244
00:40:44,800 --> 00:40:47,520
Now, I'm curious about the practical aspects of ghostwriting.

1245
00:40:47,520 --> 00:40:48,000
OK.

1246
00:40:48,000 --> 00:40:50,280
Like, how do ghostwriters connect with clients?

1247
00:40:50,280 --> 00:40:52,040
What does the typical workflow look like?

1248
00:40:52,040 --> 00:40:55,920
There are various avenues for finding ghostwriting clients.

1249
00:40:55,920 --> 00:40:58,640
Online platforms and job boards, specifically

1250
00:40:58,640 --> 00:41:02,240
for writers and freelancers, can be valuable resources.

1251
00:41:02,240 --> 00:41:05,320
Networking with authors, publishers, and other professionals

1252
00:41:05,320 --> 00:41:08,360
in the writing world can also lead to opportunities.

1253
00:41:08,360 --> 00:41:10,080
So it's about building relationships,

1254
00:41:10,080 --> 00:41:12,960
showcasing your expertise, and putting yourself out there

1255
00:41:12,960 --> 00:41:14,800
as a talented and reliable ghostwriter.

1256
00:41:14,800 --> 00:41:15,320
Precisely.

1257
00:41:15,320 --> 00:41:18,000
And once you connect with a potential client,

1258
00:41:18,000 --> 00:41:21,360
it's crucial to establish clear communication and expectations

1259
00:41:21,360 --> 00:41:22,160
from the outset.

1260
00:41:22,160 --> 00:41:23,520
So what does that typically involve?

1261
00:41:23,520 --> 00:41:26,000
A thorough discussion of the project's scope.

1262
00:41:26,000 --> 00:41:29,720
Deadlines, payment terms, and ownership rights is essential.

1263
00:41:29,720 --> 00:41:32,000
A written contract that outlines these details

1264
00:41:32,000 --> 00:41:35,240
protects both the ghostwriter and the client

1265
00:41:35,240 --> 00:41:38,240
ensuring a smooth and successful collaboration.

1266
00:41:38,240 --> 00:41:40,560
So it's about setting clear boundaries,

1267
00:41:40,560 --> 00:41:42,000
protecting your intellectual property,

1268
00:41:42,000 --> 00:41:44,240
and ensuring that both parties are on the same page

1269
00:41:44,240 --> 00:41:44,840
from the start.

1270
00:41:44,840 --> 00:41:45,560
Exactly.

1271
00:41:45,560 --> 00:41:47,440
But I imagine the actual writing process

1272
00:41:47,440 --> 00:41:50,080
can vary depending on the project and the client.

1273
00:41:50,080 --> 00:41:50,640
Absolutely.

1274
00:41:50,640 --> 00:41:53,480
Some ghostwriting projects involve extensive research

1275
00:41:53,480 --> 00:41:56,360
and interviews, while others rely more on the client's

1276
00:41:56,360 --> 00:41:58,120
existing materials and guidance.

1277
00:41:58,120 --> 00:41:58,640
Yeah.

1278
00:41:58,640 --> 00:42:01,520
The key is to be adaptable, organized, and meticulous

1279
00:42:01,520 --> 00:42:03,240
in your approach.

1280
00:42:03,240 --> 00:42:05,840
So it's about balancing creativity with structure,

1281
00:42:05,840 --> 00:42:08,680
ensuring that the final product meets the client's needs

1282
00:42:08,680 --> 00:42:11,040
while staying true to their voice and vision.

1283
00:42:11,040 --> 00:42:11,760
Precisely.

1284
00:42:11,760 --> 00:42:13,280
And throughout the writing process,

1285
00:42:13,280 --> 00:42:15,200
regular communication with the client

1286
00:42:15,200 --> 00:42:18,000
is essential for feedback, revisions,

1287
00:42:18,000 --> 00:42:20,440
and ensuring that the project is on track.

1288
00:42:20,440 --> 00:42:22,800
So it's a collaborative journey with both the ghostwriter

1289
00:42:22,800 --> 00:42:25,160
and the client, playing vital roles

1290
00:42:25,160 --> 00:42:26,480
in shaping the final product.

1291
00:42:26,480 --> 00:42:27,280
Exactly.

1292
00:42:27,280 --> 00:42:28,880
It sounds like a really intricate dance

1293
00:42:28,880 --> 00:42:32,320
between the ghostwriter's expertise and the client's vision.

1294
00:42:32,320 --> 00:42:33,360
Yeah, it is.

1295
00:42:33,360 --> 00:42:35,440
And at the end of the day, the ghostwriter steps back

1296
00:42:35,440 --> 00:42:37,960
and lets the client take full ownership of the work.

1297
00:42:37,960 --> 00:42:38,680
Exactly.

1298
00:42:38,680 --> 00:42:40,440
It's a unique form of collaboration

1299
00:42:40,440 --> 00:42:43,000
that requires a certain level of detachment

1300
00:42:43,000 --> 00:42:45,800
and a genuine desire to see your client succeed.

1301
00:42:45,800 --> 00:42:48,480
Thinking about the bigger picture of this deep dive,

1302
00:42:48,480 --> 00:42:50,760
I'm curious to hear your perspective on ghostwriting

1303
00:42:50,760 --> 00:42:53,880
as a side hustle, specifically for women.

1304
00:42:53,880 --> 00:42:54,400
OK.

1305
00:42:54,400 --> 00:42:57,520
Do you see any unique advantages or challenges there?

1306
00:42:57,520 --> 00:43:00,880
I think ghostwriting can be a particularly empowering

1307
00:43:00,880 --> 00:43:03,120
side hustle for women for a few reasons.

1308
00:43:03,120 --> 00:43:03,680
OK.

1309
00:43:03,680 --> 00:43:06,760
First of all, it offers a tremendous amount of flexibility.

1310
00:43:06,760 --> 00:43:07,200
OK.

1311
00:43:07,200 --> 00:43:11,240
You can often work from anywhere, set your own hours,

1312
00:43:11,240 --> 00:43:14,480
and choose projects that align with your interests and values.

1313
00:43:14,480 --> 00:43:15,000
Right.

1314
00:43:15,000 --> 00:43:16,880
This can be especially appealing for women

1315
00:43:16,880 --> 00:43:19,680
who are juggling multiple responsibilities,

1316
00:43:19,680 --> 00:43:22,640
whether it's family caregiving or other commitments.

1317
00:43:22,640 --> 00:43:23,600
That makes a lot of sense.

1318
00:43:23,600 --> 00:43:25,800
Flexibility is often at the top of the list

1319
00:43:25,800 --> 00:43:27,200
for women seeking side hustles.

1320
00:43:27,200 --> 00:43:28,000
Absolutely.

1321
00:43:28,000 --> 00:43:29,480
But what about the financial aspect?

1322
00:43:29,480 --> 00:43:29,980
Yeah.

1323
00:43:29,980 --> 00:43:31,520
Ghostwriting can, for most people,

1324
00:43:31,520 --> 00:43:33,840
be a viable source of income for women.

1325
00:43:33,840 --> 00:43:35,200
Absolutely.

1326
00:43:35,200 --> 00:43:37,240
The earning potential for ghostwriters

1327
00:43:37,240 --> 00:43:41,880
can vary widely, depending on factors like experience,

1328
00:43:41,880 --> 00:43:44,040
niche, and the types of projects you take on.

1329
00:43:44,040 --> 00:43:44,520
OK.

1330
00:43:44,520 --> 00:43:47,280
But as we saw in that example from Vanessa's video,

1331
00:43:47,280 --> 00:43:49,360
there's definitely potential to earn

1332
00:43:49,360 --> 00:43:51,400
a substantial income from ghostwriting.

1333
00:43:51,400 --> 00:43:51,880
Yeah.

1334
00:43:51,880 --> 00:43:54,640
And the beauty of it is you can scale your business

1335
00:43:54,640 --> 00:43:55,840
at your own pace.

1336
00:43:55,840 --> 00:43:56,480
OK.

1337
00:43:56,480 --> 00:43:58,440
You might start with smaller projects

1338
00:43:58,440 --> 00:43:59,720
to build your portfolio.

1339
00:43:59,720 --> 00:44:02,680
And then gradually take on larger, more complex assignments

1340
00:44:02,680 --> 00:44:04,880
as your skills and confidence grow.

1341
00:44:04,880 --> 00:44:08,320
It's inspiring to see how side hustles can create pathways

1342
00:44:08,320 --> 00:44:11,560
for women to achieve both financial independence

1343
00:44:11,560 --> 00:44:12,800
and creative fulfillment.

1344
00:44:12,800 --> 00:44:14,000
Yeah, definitely.

1345
00:44:14,000 --> 00:44:16,760
And ghostwriting in particular seems to beautifully blend

1346
00:44:16,760 --> 00:44:17,800
those two aspects.

1347
00:44:17,800 --> 00:44:18,300
Yeah.

1348
00:44:18,300 --> 00:44:18,800
I agree.

1349
00:44:18,800 --> 00:44:22,600
It's a side hustle that allows you to use your words

1350
00:44:22,600 --> 00:44:24,160
to make a real difference in the world,

1351
00:44:24,160 --> 00:44:26,520
whether it's helping someone share their story,

1352
00:44:26,520 --> 00:44:29,760
building a brand, or promoting a cause you believe in.

1353
00:44:29,760 --> 00:44:33,200
As we wrap up this deep dive into the world of side hustles

1354
00:44:33,200 --> 00:44:37,000
for women, I'm feeling a surge of excitement and possibility.

1355
00:44:37,000 --> 00:44:37,680
Oh, too.

1356
00:44:37,680 --> 00:44:40,280
We've explored so many amazing options

1357
00:44:40,280 --> 00:44:42,960
from the mystery and intrigue of secret shopping

1358
00:44:42,960 --> 00:44:45,360
to the creative fulfillment of ghostwriting

1359
00:44:45,360 --> 00:44:47,840
and the long-term financial power of investing.

1360
00:44:47,840 --> 00:44:49,280
It's been really fascinating.

1361
00:44:49,280 --> 00:44:51,480
It's clear that there's a side hustle out there for everyone.

1362
00:44:51,480 --> 00:44:51,960
Yeah.

1363
00:44:51,960 --> 00:44:56,640
And it's all about finding the one that sparks your passion

1364
00:44:56,640 --> 00:44:57,680
and aligns with your goals.

1365
00:44:57,680 --> 00:44:58,560
I couldn't agree more.

1366
00:44:58,560 --> 00:45:01,080
The world of side hustles is constantly evolving

1367
00:45:01,080 --> 00:45:03,800
with new opportunities emerging all the time.

1368
00:45:03,800 --> 00:45:08,360
The key is to stay curious, explore your options,

1369
00:45:08,360 --> 00:45:11,080
and never be afraid to step outside your comfort zone

1370
00:45:11,080 --> 00:45:12,520
and try something new.

1371
00:45:12,520 --> 00:45:15,080
And remember, building a successful side hustle

1372
00:45:15,080 --> 00:45:17,200
takes time, effort, and a willingness

1373
00:45:17,200 --> 00:45:19,080
to learn and adapt along the way.

1374
00:45:19,080 --> 00:45:19,840
Absolutely.

1375
00:45:19,840 --> 00:45:22,360
But the rewards, both financial and personal,

1376
00:45:22,360 --> 00:45:24,040
can be truly transformative.

1377
00:45:24,040 --> 00:45:24,920
Absolutely.

1378
00:45:24,920 --> 00:45:27,800
Side hustles can be a catalyst for personal growth,

1379
00:45:27,800 --> 00:45:30,880
financial empowerment, and creative expression.

1380
00:45:30,880 --> 00:45:32,840
They can help you discover hidden talents,

1381
00:45:32,840 --> 00:45:35,200
built confidence, and create a life that's

1382
00:45:35,200 --> 00:45:37,080
both fulfilling and impactful.

1383
00:45:37,080 --> 00:45:38,720
So for all the women out there listening,

1384
00:45:38,720 --> 00:45:41,560
we encourage you to embrace the entrepreneurial spirit.

1385
00:45:41,560 --> 00:45:42,080
Yes.

1386
00:45:42,080 --> 00:45:43,640
Explore the world of side hustles

1387
00:45:43,640 --> 00:45:45,760
and never stop pursuing your dreams.

1388
00:45:45,760 --> 00:45:47,960
And remember, you're not alone on this journey.

1389
00:45:47,960 --> 00:45:48,160
Yeah.

1390
00:45:48,160 --> 00:45:50,320
There's a vibrant community of women out there who

1391
00:45:50,320 --> 00:45:52,880
are building businesses, pursuing their passions,

1392
00:45:52,880 --> 00:45:55,240
and supporting each other every step of the way.

1393
00:45:55,240 --> 00:45:57,960
Connect with those communities, share your experiences,

1394
00:45:57,960 --> 00:46:01,200
and never be afraid to ask for help or advice.

1395
00:46:01,200 --> 00:46:03,560
Those are such powerful words of encouragement.

1396
00:46:03,560 --> 00:46:04,120
Thank you.

1397
00:46:04,120 --> 00:46:06,360
And as we bring this episode to a close,

1398
00:46:06,360 --> 00:46:08,680
I'd like to leave our listeners with one final thought

1399
00:46:08,680 --> 00:46:10,320
provoking question to Ponder.

1400
00:46:10,320 --> 00:46:11,800
OK.

1401
00:46:11,800 --> 00:46:15,640
If you could design your ideal side hustle, one that perfectly

1402
00:46:15,640 --> 00:46:20,320
blends your passions, skills, and values, what would it be?

1403
00:46:20,320 --> 00:46:22,520
What steps can you take today to start bringing

1404
00:46:22,520 --> 00:46:24,240
that vision to life?

1405
00:46:24,240 --> 00:46:27,600
The possibilities are truly limitless.

1406
00:46:27,600 --> 00:46:30,080
Thank you so much for joining us on this deep dive

1407
00:46:30,080 --> 00:46:31,880
into the world of side hustles for women.

1408
00:46:31,880 --> 00:46:33,000
It's been a pleasure.

1409
00:46:33,000 --> 00:46:35,040
We hope you've found it insightful, inspiring,

1410
00:46:35,040 --> 00:46:35,680
and empowering.

1411
00:46:35,680 --> 00:46:36,280
Yeah.

1412
00:46:36,280 --> 00:46:37,800
We'd love to hear your thoughts and continue

1413
00:46:37,800 --> 00:46:39,480
the conversation on social media.

1414
00:46:39,480 --> 00:46:40,400
Yeah, let us know.

1415
00:46:40,400 --> 00:46:43,160
Share your side hustle stories, ask your questions,

1416
00:46:43,160 --> 00:46:45,080
and let's keep the inspiration flowing.

1417
00:46:45,080 --> 00:46:45,960
Definitely.

1418
00:46:45,960 --> 00:46:48,280
Until next time, keep learning, keep growing,

1419
00:46:48,280 --> 00:47:16,360
and keep hustling towards your dreams.