1 00:00:00,000 --> 00:00:01,860 Hey everyone and welcome back to the deep dive. 2 00:00:01,860 --> 00:00:03,240 You know today we're diving into something 3 00:00:03,240 --> 00:00:04,380 I think a lot of us think about. 4 00:00:04,380 --> 00:00:05,220 Yeah. 5 00:00:05,220 --> 00:00:06,060 Building wealth. 6 00:00:06,060 --> 00:00:08,840 And to get into that, we're looking at this YouTube video. 7 00:00:08,840 --> 00:00:09,680 Okay. 8 00:00:09,680 --> 00:00:13,960 Called How I Made My First $1 Million by Age 25. 9 00:00:13,960 --> 00:00:15,340 From Nothing. 10 00:00:15,340 --> 00:00:17,840 Tips on how you can make your millions. 11 00:00:17,840 --> 00:00:19,640 Catchy title. 12 00:00:19,640 --> 00:00:20,480 It is. 13 00:00:20,480 --> 00:00:24,240 And the person who made this video is Odetta Rockhead Kerr. 14 00:00:24,240 --> 00:00:25,280 Interesting. 15 00:00:25,280 --> 00:00:28,300 And she went from like basically nothing 16 00:00:28,300 --> 00:00:30,560 to millionaire status by age 25. 17 00:00:30,560 --> 00:00:31,400 Wow. 18 00:00:31,400 --> 00:00:32,480 That's really impressive. 19 00:00:32,480 --> 00:00:33,320 Yeah. 20 00:00:33,320 --> 00:00:34,160 So we're gonna unpack that story 21 00:00:34,160 --> 00:00:36,080 and really try to get into like what were her strategies 22 00:00:36,080 --> 00:00:37,080 and what were the steps she took. 23 00:00:37,080 --> 00:00:37,920 Yeah. 24 00:00:37,920 --> 00:00:38,760 What can we learn from her experience? 25 00:00:38,760 --> 00:00:39,600 Exactly. 26 00:00:39,600 --> 00:00:41,440 And she starts off by talking about, you know, 27 00:00:41,440 --> 00:00:42,560 kind of her why. 28 00:00:42,560 --> 00:00:44,040 Like why she was so motivated. 29 00:00:44,040 --> 00:00:44,880 Yeah. 30 00:00:44,880 --> 00:00:45,720 The driving force. 31 00:00:45,720 --> 00:00:46,560 Yeah. 32 00:00:46,560 --> 00:00:49,320 And for her was rooted in this pretty intense experience 33 00:00:49,320 --> 00:00:50,720 during Hurricane Gilbert. 34 00:00:50,720 --> 00:00:51,560 Oh wow. 35 00:00:51,560 --> 00:00:52,760 When she was 11 years old. 36 00:00:52,760 --> 00:00:55,360 And the, you know, her family's home was not exactly built 37 00:00:55,360 --> 00:00:56,280 to withstand a hurricane. 38 00:00:56,280 --> 00:00:57,280 Right. 39 00:00:57,280 --> 00:00:58,920 And so she talks about that fear 40 00:00:58,920 --> 00:01:00,800 and that desire for security 41 00:01:00,800 --> 00:01:04,160 and really wanting to build a solid safe home for her family. 42 00:01:04,160 --> 00:01:05,000 Yeah. 43 00:01:05,000 --> 00:01:06,720 That's a powerful motivator for sure. 44 00:01:06,720 --> 00:01:08,720 And it makes you think about like, 45 00:01:08,720 --> 00:01:12,400 what is your why, you know, when it comes to your own finances? 46 00:01:12,400 --> 00:01:13,720 What's that big goal? 47 00:01:13,720 --> 00:01:14,560 Yeah. 48 00:01:14,560 --> 00:01:15,880 What's that big goal that's gonna kind of keep you going 49 00:01:15,880 --> 00:01:16,800 when things get tough? 50 00:01:16,800 --> 00:01:17,640 Yeah. 51 00:01:17,640 --> 00:01:18,560 Absolutely. 52 00:01:18,560 --> 00:01:22,160 So Odetta, she doesn't just stop at the dream. 53 00:01:22,160 --> 00:01:23,800 She actually jumps into action. 54 00:01:23,800 --> 00:01:24,640 Right. 55 00:01:24,640 --> 00:01:25,480 And the first thing she talks about 56 00:01:25,480 --> 00:01:26,760 is diversifying your income. 57 00:01:26,760 --> 00:01:27,600 Okay. 58 00:01:27,600 --> 00:01:29,760 And so she breaks it down into these three types. 59 00:01:29,760 --> 00:01:30,880 So active income. 60 00:01:30,880 --> 00:01:31,720 Okay. 61 00:01:31,720 --> 00:01:33,960 Which is, you know, kind of your typical job passive income, 62 00:01:33,960 --> 00:01:37,160 which is money you're earning without constantly working. 63 00:01:37,160 --> 00:01:38,000 Right. 64 00:01:38,000 --> 00:01:39,360 And then portfolio income. 65 00:01:39,360 --> 00:01:40,880 So things like investments. 66 00:01:40,880 --> 00:01:41,720 Makes sense. 67 00:01:41,720 --> 00:01:42,560 Yeah. 68 00:01:42,560 --> 00:01:43,880 And this is smart because, you know, 69 00:01:43,880 --> 00:01:46,560 if you're just relying on a job, if that disappears. 70 00:01:46,560 --> 00:01:47,760 Yeah, your income's gone. 71 00:01:47,760 --> 00:01:48,600 Exactly. 72 00:01:48,600 --> 00:01:49,440 You're in trouble. 73 00:01:49,440 --> 00:01:50,280 Yeah. 74 00:01:50,280 --> 00:01:51,120 And she talks about how she started hustling 75 00:01:51,120 --> 00:01:52,520 from a really young age. 76 00:01:52,520 --> 00:01:53,440 Really? 77 00:01:53,440 --> 00:01:54,280 Yeah. 78 00:01:54,280 --> 00:01:56,120 She tells the story about selling raffle tickets 79 00:01:56,120 --> 00:01:57,480 for her grandmother's cake. 80 00:01:57,480 --> 00:01:58,320 Oh, wow. 81 00:01:58,320 --> 00:01:59,840 When she was eight years old. 82 00:01:59,840 --> 00:02:00,960 That's adorable. 83 00:02:00,960 --> 00:02:02,000 I know. 84 00:02:02,000 --> 00:02:03,960 And a great way to learn about sales. 85 00:02:03,960 --> 00:02:04,800 It is. 86 00:02:04,800 --> 00:02:06,880 And I think it really shaped her mindset early on 87 00:02:06,880 --> 00:02:09,720 because she learned the value of sales. 88 00:02:09,720 --> 00:02:10,560 Yeah. 89 00:02:10,560 --> 00:02:12,400 And also, you know, not letting pride 90 00:02:12,400 --> 00:02:13,680 get in the way of earning money. 91 00:02:13,680 --> 00:02:14,520 Right. 92 00:02:14,520 --> 00:02:15,520 You gotta do what you gotta do. 93 00:02:15,520 --> 00:02:18,880 She says, and I quote, everyone can sell. 94 00:02:19,720 --> 00:02:20,560 I like that. 95 00:02:20,560 --> 00:02:21,400 Yeah. 96 00:02:21,400 --> 00:02:22,960 We all have that ability to persuade, you know, 97 00:02:22,960 --> 00:02:24,800 we just need to figure out how to apply it. 98 00:02:24,800 --> 00:02:25,640 Absolutely. 99 00:02:25,640 --> 00:02:29,000 And think about how good we are at coming up with excuses. 100 00:02:29,000 --> 00:02:29,840 Right. 101 00:02:29,840 --> 00:02:31,400 That's persuasion in action. 102 00:02:31,400 --> 00:02:32,240 Totally. 103 00:02:32,240 --> 00:02:33,080 Yeah. 104 00:02:33,080 --> 00:02:34,480 So let's get into some specifics, you know. 105 00:02:34,480 --> 00:02:36,880 So she had a corporate career. 106 00:02:36,880 --> 00:02:37,800 Okay. 107 00:02:37,800 --> 00:02:41,280 She even reached, you know, VP level by 25. 108 00:02:41,280 --> 00:02:42,160 Wow. 109 00:02:42,160 --> 00:02:43,920 But even with a six figure salary, 110 00:02:43,920 --> 00:02:45,360 she was still hustling. 111 00:02:45,360 --> 00:02:46,240 That's impressive. 112 00:02:46,240 --> 00:02:48,000 I know it's what we call the hustler's mindset. 113 00:02:48,000 --> 00:02:48,840 I love that. 114 00:02:48,840 --> 00:02:51,080 She was constantly looking for new opportunities. 115 00:02:51,080 --> 00:02:51,920 Yeah. 116 00:02:51,920 --> 00:02:54,440 From selling flip flops for a 220% profit. 117 00:02:54,440 --> 00:02:55,280 Wow. 118 00:02:55,280 --> 00:02:56,240 And she was looking at hotels. 119 00:02:56,240 --> 00:02:57,080 Really? 120 00:02:57,080 --> 00:02:59,240 She even taught herself to trade for an exchange. 121 00:02:59,240 --> 00:03:00,480 That's amazing. 122 00:03:00,480 --> 00:03:02,480 I know she was not afraid to try anything, 123 00:03:02,480 --> 00:03:04,840 but was there any kind of method to her madness? 124 00:03:04,840 --> 00:03:05,680 Right. 125 00:03:05,680 --> 00:03:07,720 Was she just jumping at every opportunity? 126 00:03:07,720 --> 00:03:08,880 That's a good question. 127 00:03:08,880 --> 00:03:10,800 Or was she being more strategic? 128 00:03:10,800 --> 00:03:12,840 I think it was a combination of both. 129 00:03:12,840 --> 00:03:13,680 Yeah. 130 00:03:13,680 --> 00:03:14,800 She definitely had that drive to earn, 131 00:03:14,800 --> 00:03:16,720 but she was also strategic about it. 132 00:03:16,720 --> 00:03:17,560 Okay. 133 00:03:17,560 --> 00:03:19,080 She didn't just sell any flip flops. 134 00:03:19,080 --> 00:03:22,400 She found a supplier offering old Navy flip flops 135 00:03:22,400 --> 00:03:23,840 at a deep discount. 136 00:03:23,840 --> 00:03:26,760 Oh, so she was thinking about the profit margins. 137 00:03:26,760 --> 00:03:27,600 Exactly. 138 00:03:27,600 --> 00:03:29,000 And then she sold them at a markup, 139 00:03:29,000 --> 00:03:31,240 so she saw demand and filled it. 140 00:03:31,240 --> 00:03:32,080 Okay. 141 00:03:32,080 --> 00:03:33,760 Which I think is a key takeaway here, 142 00:03:33,760 --> 00:03:36,120 being able to spot those kinds of opportunities. 143 00:03:36,120 --> 00:03:39,080 So being resourceful and seeing the gaps in the market. 144 00:03:39,080 --> 00:03:39,920 Absolutely. 145 00:03:39,920 --> 00:03:41,000 Okay, that's a good takeaway for anyone, 146 00:03:41,000 --> 00:03:42,240 no matter what stage they're at. 147 00:03:42,240 --> 00:03:43,080 Yeah. 148 00:03:43,080 --> 00:03:44,320 Let's shift gears a little bit 149 00:03:44,320 --> 00:03:45,960 and talk about passive income. 150 00:03:45,960 --> 00:03:46,800 Okay. 151 00:03:47,680 --> 00:03:49,560 Making money work for you. 152 00:03:49,560 --> 00:03:50,400 Yes. 153 00:03:50,400 --> 00:03:53,120 So Odetta, she had a taxi business. 154 00:03:53,120 --> 00:03:54,600 Okay, a classic example. 155 00:03:54,600 --> 00:03:55,440 Yeah, right? 156 00:03:55,440 --> 00:03:56,880 She invested in cars. 157 00:03:56,880 --> 00:03:58,880 Her uncle actually managed the day to day. 158 00:03:58,880 --> 00:03:59,720 Okay. 159 00:03:59,720 --> 00:04:01,520 And she received income from the drivers. 160 00:04:01,520 --> 00:04:03,320 So she created leverage. 161 00:04:03,320 --> 00:04:04,160 Exactly. 162 00:04:04,160 --> 00:04:05,480 She wasn't driving the taxis herself. 163 00:04:05,480 --> 00:04:06,320 Right. 164 00:04:06,320 --> 00:04:07,160 Her money was working for her. 165 00:04:07,160 --> 00:04:08,520 Her money was working for her. 166 00:04:08,520 --> 00:04:09,440 I like that. 167 00:04:09,440 --> 00:04:11,280 And then she also got into network marketing. 168 00:04:11,280 --> 00:04:12,120 Okay. 169 00:04:12,120 --> 00:04:13,920 Selling digital telephone adapters. 170 00:04:13,920 --> 00:04:16,200 Which were a hot commodity back then. 171 00:04:16,200 --> 00:04:17,240 Yeah, right. 172 00:04:17,240 --> 00:04:19,040 Because they allowed people to make 173 00:04:19,040 --> 00:04:20,600 affordable international calls. 174 00:04:20,600 --> 00:04:21,440 Right. 175 00:04:21,440 --> 00:04:24,480 So again, it's kind of like tapping into a current need. 176 00:04:24,480 --> 00:04:26,280 Yeah, she wasn't reinventing the wheel. 177 00:04:26,280 --> 00:04:27,120 Right. 178 00:04:27,120 --> 00:04:29,480 She was finding smart ways to meet existing demands. 179 00:04:29,480 --> 00:04:31,200 So it's not always about coming up 180 00:04:31,200 --> 00:04:32,360 with something totally new. 181 00:04:32,360 --> 00:04:33,200 Right. 182 00:04:33,200 --> 00:04:35,400 It's about being able to identify what people need 183 00:04:35,400 --> 00:04:36,920 and finding a way to provide it. 184 00:04:36,920 --> 00:04:38,080 Exactly. 185 00:04:38,080 --> 00:04:42,240 Okay, before we move on to Odetta's portfolio income, 186 00:04:43,440 --> 00:04:46,040 for someone who's new to this whole passive income thing. 187 00:04:46,040 --> 00:04:46,880 Yeah. 188 00:04:46,880 --> 00:04:48,720 What would be a good first step? 189 00:04:48,720 --> 00:04:51,600 Like how do you even start to explore those opportunities? 190 00:04:51,600 --> 00:04:52,800 That's a great question. 191 00:04:52,800 --> 00:04:53,640 Yeah. 192 00:04:53,640 --> 00:04:54,640 I would say a good starting point 193 00:04:54,640 --> 00:04:57,080 is to analyze your skills and interests. 194 00:04:57,080 --> 00:04:57,920 Okay. 195 00:04:57,920 --> 00:04:58,760 What are you good at? 196 00:04:58,760 --> 00:04:59,600 What do you enjoy doing? 197 00:04:59,600 --> 00:05:00,440 Right. 198 00:05:00,440 --> 00:05:02,120 And then think about how you can leverage 199 00:05:02,120 --> 00:05:04,920 those skills or interests to create a product 200 00:05:04,920 --> 00:05:06,840 or service that people would pay for. 201 00:05:06,840 --> 00:05:09,640 It could be anything from online courses 202 00:05:09,640 --> 00:05:12,760 to freelance writing to even starting a blog 203 00:05:12,760 --> 00:05:14,400 about something you're passionate about. 204 00:05:14,400 --> 00:05:15,240 Okay. 205 00:05:15,240 --> 00:05:17,960 The key is to be creative and think outside the box. 206 00:05:17,960 --> 00:05:19,560 So finding that sweet spot. 207 00:05:19,560 --> 00:05:20,400 Yeah. 208 00:05:20,400 --> 00:05:22,000 Where your passion meets a need in the market. 209 00:05:22,000 --> 00:05:22,840 Exactly. 210 00:05:22,840 --> 00:05:23,680 Okay. 211 00:05:23,680 --> 00:05:25,560 All right, so let's get into portfolio income. 212 00:05:25,560 --> 00:05:26,400 All right. 213 00:05:26,400 --> 00:05:28,600 This is where things get really interesting 214 00:05:28,600 --> 00:05:31,840 because Odetta's approach might surprise some people. 215 00:05:31,840 --> 00:05:32,680 Okay. 216 00:05:32,680 --> 00:05:33,520 I'm intrigued. 217 00:05:33,520 --> 00:05:34,360 Yeah. 218 00:05:34,360 --> 00:05:37,960 So she prefers investments like bonds and unit trusts. 219 00:05:37,960 --> 00:05:38,800 Okay. 220 00:05:38,800 --> 00:05:40,680 Which are similar to mutual funds, 221 00:05:40,680 --> 00:05:43,840 but they typically invest in a fixed portfolio of assets. 222 00:05:43,840 --> 00:05:44,680 Okay. 223 00:05:44,680 --> 00:05:45,500 Over real estate. 224 00:05:45,500 --> 00:05:46,340 Interesting. 225 00:05:46,340 --> 00:05:47,240 A lot of people see real estate 226 00:05:47,240 --> 00:05:48,880 as like the ultimate investment. 227 00:05:48,880 --> 00:05:49,720 Right. 228 00:05:49,720 --> 00:05:52,720 But she felt like it took too long to see a good ROI. 229 00:05:52,720 --> 00:05:53,880 Return on investment. 230 00:05:53,880 --> 00:05:54,720 Yeah. 231 00:05:54,720 --> 00:05:55,560 Basically the profit you make back 232 00:05:55,560 --> 00:05:56,720 on your initial investment. 233 00:05:56,720 --> 00:05:57,560 Right. 234 00:05:57,560 --> 00:06:00,640 And so she was all about maximizing returns 235 00:06:00,640 --> 00:06:02,880 and making her money work harder and faster. 236 00:06:02,880 --> 00:06:03,720 I see. 237 00:06:03,720 --> 00:06:04,540 So she's playing the long game, 238 00:06:04,540 --> 00:06:06,400 but she also wants to see results. 239 00:06:06,400 --> 00:06:07,240 Exactly. 240 00:06:07,240 --> 00:06:10,680 And she focuses on US dollars, bonds, unit trusts, 241 00:06:10,680 --> 00:06:12,320 and a bit of stock market action. 242 00:06:12,320 --> 00:06:13,160 Got it. 243 00:06:13,160 --> 00:06:15,160 And she gives this really compelling example 244 00:06:15,160 --> 00:06:17,120 of the power of compound interest. 245 00:06:17,120 --> 00:06:18,080 Oh yeah. 246 00:06:18,080 --> 00:06:18,920 That's a game changer. 247 00:06:18,920 --> 00:06:19,760 It is. 248 00:06:19,760 --> 00:06:23,040 She says if you invest just $70 per month from age 20 249 00:06:23,040 --> 00:06:25,960 with a 10% average annual return, 250 00:06:25,960 --> 00:06:28,200 you can become a millionaire by 65. 251 00:06:28,200 --> 00:06:29,160 That's amazing. 252 00:06:29,160 --> 00:06:30,000 Yeah. 253 00:06:30,000 --> 00:06:31,760 It's the magic of compound interest. 254 00:06:31,760 --> 00:06:32,960 Your money owns interest 255 00:06:32,960 --> 00:06:34,720 and then that interest earns interest. 256 00:06:34,720 --> 00:06:35,920 That's like a snowball effect. 257 00:06:35,920 --> 00:06:36,760 Exactly. 258 00:06:36,760 --> 00:06:38,200 The earlier you start, the bigger it gets. 259 00:06:38,200 --> 00:06:39,160 The more it snowballs. 260 00:06:39,160 --> 00:06:40,080 Exactly. 261 00:06:40,080 --> 00:06:41,160 But I have to ask, 262 00:06:41,160 --> 00:06:45,240 is 10% a realistic return to expect? 263 00:06:45,240 --> 00:06:46,320 That's a really good question. 264 00:06:46,320 --> 00:06:48,800 And while 10% is a good long-term average 265 00:06:48,800 --> 00:06:51,040 for the stock market, it's not guaranteed. 266 00:06:51,040 --> 00:06:53,520 Some years will be higher, some years will be lower. 267 00:06:53,520 --> 00:06:56,600 But Odetta likely diversified her investments 268 00:06:56,600 --> 00:06:58,640 to achieve that kind of return, 269 00:06:58,640 --> 00:07:00,040 which is a key takeaway here. 270 00:07:00,040 --> 00:07:01,840 Don't put all your eggs in one basket. 271 00:07:01,840 --> 00:07:02,680 Exactly. 272 00:07:02,680 --> 00:07:05,200 Spread your investments across different asset classes 273 00:07:05,200 --> 00:07:08,800 to manage risk and potentially maximize returns. 274 00:07:08,800 --> 00:07:10,720 So it's all about playing the long game 275 00:07:10,720 --> 00:07:12,560 and being strategic with your investments. 276 00:07:12,560 --> 00:07:13,400 Absolutely. 277 00:07:13,400 --> 00:07:14,480 But what about debt? 278 00:07:14,480 --> 00:07:17,880 Yeah, did she take on any debt to achieve her goals? 279 00:07:17,880 --> 00:07:20,000 Because it seems like she had a unique approach 280 00:07:20,000 --> 00:07:20,840 to this as well. 281 00:07:20,840 --> 00:07:21,840 Okay, let's dive into that. 282 00:07:21,840 --> 00:07:24,080 So she calls it dominating debt. 283 00:07:24,080 --> 00:07:25,600 Dominating debt, I like that. 284 00:07:25,600 --> 00:07:27,160 And what she means by that 285 00:07:27,160 --> 00:07:29,120 is not letting debt control your life. 286 00:07:29,120 --> 00:07:29,960 Okay. 287 00:07:29,960 --> 00:07:33,480 She's a big believer in borrowing as little as possible 288 00:07:33,480 --> 00:07:35,320 and paying it off as quickly as possible. 289 00:07:35,320 --> 00:07:36,320 That makes sense. 290 00:07:36,320 --> 00:07:38,840 She often negotiated lower interest rates. 291 00:07:38,840 --> 00:07:39,680 Really? 292 00:07:39,680 --> 00:07:41,120 Sometimes even playing institutions 293 00:07:41,120 --> 00:07:42,920 against each other to get the best deal. 294 00:07:42,920 --> 00:07:44,880 Wow, she's a financial ninja. 295 00:07:44,880 --> 00:07:45,720 She is. 296 00:07:45,720 --> 00:07:46,840 And when she did borrow money, 297 00:07:46,840 --> 00:07:48,760 she made sure to pay off her loans 298 00:07:48,760 --> 00:07:50,880 in a quarter of the allotted time. 299 00:07:50,880 --> 00:07:52,440 That's incredible. 300 00:07:52,440 --> 00:07:54,640 Yeah, I can't even imagine being that disciplined. 301 00:07:54,640 --> 00:07:56,440 It definitely takes commitment. 302 00:07:56,440 --> 00:07:58,720 But the payoff is significant. 303 00:07:58,720 --> 00:08:01,960 She built her first house completely mortgage-free by 25. 304 00:08:01,960 --> 00:08:02,800 Wow. 305 00:08:02,800 --> 00:08:05,680 And she always bought her cars with cash. 306 00:08:05,680 --> 00:08:06,880 That's impressive. 307 00:08:06,880 --> 00:08:08,120 Okay, before we move on, 308 00:08:08,120 --> 00:08:10,480 I think this is a good time to pause and ask, 309 00:08:10,480 --> 00:08:12,040 what are your thoughts so far? 310 00:08:12,040 --> 00:08:12,880 Yeah. 311 00:08:12,880 --> 00:08:14,120 Anything standing out to you 312 00:08:14,120 --> 00:08:17,080 about Odetta's approach to finances? 313 00:08:17,080 --> 00:08:18,600 Yeah, what resonates with you? 314 00:08:18,600 --> 00:08:21,000 Or maybe even challenges your current thinking. 315 00:08:22,200 --> 00:08:24,000 Well, I think what really stands out to me 316 00:08:24,000 --> 00:08:26,560 is her proactiveness. 317 00:08:26,560 --> 00:08:27,400 Yeah. 318 00:08:27,400 --> 00:08:30,360 She wasn't waiting for opportunities 319 00:08:30,360 --> 00:08:31,520 to fall into her lap. 320 00:08:31,520 --> 00:08:32,360 Right. 321 00:08:32,360 --> 00:08:33,760 She was actively creating them. 322 00:08:33,760 --> 00:08:34,600 Yeah. 323 00:08:34,600 --> 00:08:36,160 And that kind of ties into her philosophy 324 00:08:36,160 --> 00:08:37,560 on savings and investing. 325 00:08:37,560 --> 00:08:38,400 Okay. 326 00:08:38,400 --> 00:08:40,920 She had a goal to save 50% of her earnings. 327 00:08:40,920 --> 00:08:42,000 50%? 328 00:08:42,000 --> 00:08:42,840 Yeah. 329 00:08:42,840 --> 00:08:44,800 That takes serious dedication. 330 00:08:44,800 --> 00:08:46,840 I can barely manage 10% some months. 331 00:08:46,840 --> 00:08:47,680 Right. 332 00:08:47,680 --> 00:08:48,720 It requires discipline, 333 00:08:48,720 --> 00:08:50,520 but it's more attainable than you might think. 334 00:08:50,520 --> 00:08:51,360 Okay. 335 00:08:51,360 --> 00:08:52,720 It all comes down to budgeting 336 00:08:52,720 --> 00:08:54,880 and prioritizing your financial goals. 337 00:08:54,880 --> 00:08:55,720 Right. 338 00:08:55,720 --> 00:08:57,440 Odetta was known for being frugal. 339 00:08:57,440 --> 00:08:58,280 Okay. 340 00:08:58,280 --> 00:08:59,640 She shopped at discount stores, 341 00:08:59,640 --> 00:09:01,600 bought in bulk whenever possible. 342 00:09:01,600 --> 00:09:02,440 Okay. 343 00:09:02,440 --> 00:09:03,880 And was master of finding deals. 344 00:09:03,880 --> 00:09:04,760 Wow. 345 00:09:04,760 --> 00:09:07,080 She even mentions turning off lights religiously 346 00:09:07,080 --> 00:09:08,400 to save on electricity. 347 00:09:08,400 --> 00:09:10,800 So she was really mindful of her spending habits. 348 00:09:10,800 --> 00:09:11,720 Oh, absolutely. 349 00:09:11,720 --> 00:09:15,120 But I'm curious, did she only focus on cutting back? 350 00:09:15,120 --> 00:09:17,080 Or were there other strategies she used 351 00:09:17,080 --> 00:09:19,360 to reach that 50% savings target? 352 00:09:19,360 --> 00:09:20,400 That's a really good point. 353 00:09:20,400 --> 00:09:21,240 Yeah. 354 00:09:21,240 --> 00:09:23,640 While she was definitely mindful of her spending, 355 00:09:23,640 --> 00:09:26,600 she also emphasizes the importance of finding ways 356 00:09:26,600 --> 00:09:28,040 to increase your income. 357 00:09:28,040 --> 00:09:28,880 Oh, okay. 358 00:09:28,880 --> 00:09:30,280 So it's not just about cutting back. 359 00:09:30,280 --> 00:09:31,120 Exactly. 360 00:09:31,120 --> 00:09:32,200 It's about bringing in more money. 361 00:09:32,200 --> 00:09:34,160 Instead of constantly trying to cut back, 362 00:09:34,160 --> 00:09:35,960 think about how you can bring in more money. 363 00:09:35,960 --> 00:09:36,800 Okay. 364 00:09:36,800 --> 00:09:37,640 This goes back to her belief 365 00:09:37,640 --> 00:09:39,320 in having multiple income streams. 366 00:09:39,320 --> 00:09:43,200 So it's about thinking bigger than just our current salary. 367 00:09:43,200 --> 00:09:44,040 Yes. 368 00:09:44,040 --> 00:09:46,840 And kind of exploring different avenues for earning. 369 00:09:46,840 --> 00:09:49,320 Be resourceful, be creative. 370 00:09:49,320 --> 00:09:50,560 Kind of like those flip flops. 371 00:09:50,560 --> 00:09:51,400 Exactly. 372 00:09:51,400 --> 00:09:53,680 But with that aggressive savings goal, 373 00:09:53,680 --> 00:09:56,680 did she ever allow herself any fun? 374 00:09:56,680 --> 00:09:57,520 Yeah. 375 00:09:57,520 --> 00:09:59,120 Did she just like deprive herself? 376 00:09:59,120 --> 00:09:59,960 Yeah. 377 00:09:59,960 --> 00:10:00,800 It seems like she might've missed out 378 00:10:00,800 --> 00:10:02,320 on some of the joys of life. 379 00:10:02,320 --> 00:10:03,160 It's true. 380 00:10:03,160 --> 00:10:04,240 She did make sacrifices. 381 00:10:04,240 --> 00:10:05,080 Okay. 382 00:10:05,080 --> 00:10:07,320 She talks about not buying new clothes or shoes 383 00:10:07,320 --> 00:10:09,720 for three years while she was saving for her house. 384 00:10:09,720 --> 00:10:10,560 Wow. 385 00:10:10,560 --> 00:10:13,280 But she stresses that it wasn't about deprivation. 386 00:10:13,280 --> 00:10:16,280 It was about prioritizing her long-term goal. 387 00:10:16,280 --> 00:10:17,120 Okay. 388 00:10:17,120 --> 00:10:18,720 And once she achieved that goal, 389 00:10:18,720 --> 00:10:21,320 she was able to enjoy the fruits of her labor. 390 00:10:21,320 --> 00:10:23,280 She also emphasizes the importance 391 00:10:23,280 --> 00:10:25,600 of finding joy in the process. 392 00:10:25,600 --> 00:10:26,440 Oh, okay. 393 00:10:26,440 --> 00:10:28,720 It's not just about the destination. 394 00:10:28,720 --> 00:10:29,560 Right. 395 00:10:29,560 --> 00:10:31,040 It's about finding fulfillment along the way. 396 00:10:31,040 --> 00:10:32,880 So it's about making choices that are aligned 397 00:10:32,880 --> 00:10:33,840 with your values. 398 00:10:33,840 --> 00:10:34,880 Exactly. 399 00:10:34,880 --> 00:10:35,720 And your goals. 400 00:10:35,720 --> 00:10:37,840 And speaking of making choices, 401 00:10:37,840 --> 00:10:40,200 one area where Odetta really stands out 402 00:10:40,200 --> 00:10:42,720 is her approach to insurance. 403 00:10:42,720 --> 00:10:43,560 Okay. 404 00:10:43,560 --> 00:10:46,600 She seems to be a big advocate for having a safety net. 405 00:10:46,600 --> 00:10:47,480 Absolutely. 406 00:10:47,480 --> 00:10:48,320 Yeah. 407 00:10:48,320 --> 00:10:51,040 She believes in protecting her hard-earned wealth 408 00:10:51,040 --> 00:10:52,440 from unforeseen events. 409 00:10:52,440 --> 00:10:53,280 Okay. 410 00:10:53,280 --> 00:10:55,000 She wasn't just content with basic coverage. 411 00:10:55,000 --> 00:10:55,840 Right. 412 00:10:55,840 --> 00:10:58,400 She was proactive about finding the best rates 413 00:10:58,400 --> 00:11:00,400 and making sure she had adequate protection. 414 00:11:00,400 --> 00:11:01,240 Okay. 415 00:11:01,240 --> 00:11:02,080 So she was doing her research. 416 00:11:02,080 --> 00:11:02,920 Yes. 417 00:11:02,920 --> 00:11:04,080 And this includes home vehicle 418 00:11:04,080 --> 00:11:05,800 and critical illness insurance. 419 00:11:05,800 --> 00:11:07,840 It's interesting because a lot of people, 420 00:11:07,840 --> 00:11:11,000 myself included, kind of view insurance as an expense. 421 00:11:11,000 --> 00:11:11,840 Right. 422 00:11:11,840 --> 00:11:13,880 But she sees it as an investment. 423 00:11:13,880 --> 00:11:14,720 Yeah. 424 00:11:14,720 --> 00:11:16,360 In her peace of mind and financial security. 425 00:11:16,360 --> 00:11:17,960 So it's about mitigating risk. 426 00:11:17,960 --> 00:11:18,800 Exactly. 427 00:11:18,800 --> 00:11:21,080 And ensuring that one unexpected event 428 00:11:21,080 --> 00:11:23,720 doesn't derail all your progress. 429 00:11:23,720 --> 00:11:24,560 Exactly. 430 00:11:24,560 --> 00:11:25,400 She even says, 431 00:11:25,400 --> 00:11:27,760 when you have insurance, nothing happens. 432 00:11:27,760 --> 00:11:30,080 But when you don't, everything happens. 433 00:11:30,080 --> 00:11:30,960 Wow. 434 00:11:30,960 --> 00:11:32,240 It's a powerful reminder 435 00:11:32,240 --> 00:11:34,040 that we can't control everything. 436 00:11:34,040 --> 00:11:34,880 Right. 437 00:11:34,880 --> 00:11:36,960 But we can take steps to protect ourselves 438 00:11:36,960 --> 00:11:38,080 from the unexpected. 439 00:11:38,080 --> 00:11:38,920 Okay. 440 00:11:38,920 --> 00:11:41,520 So we've covered a lot of Odetta's core strategies. 441 00:11:41,520 --> 00:11:42,360 Yeah. 442 00:11:42,360 --> 00:11:45,440 Diversifying income, dominating debt, 443 00:11:45,440 --> 00:11:46,640 aggressive savings. 444 00:11:46,640 --> 00:11:47,480 Right. 445 00:11:47,480 --> 00:11:50,040 Optimizing spending and protecting your wealth. 446 00:11:50,040 --> 00:11:50,960 It's a lot. 447 00:11:50,960 --> 00:11:51,800 But in her video, 448 00:11:51,800 --> 00:11:53,560 she mentions that there's even more to her story. 449 00:11:53,560 --> 00:11:54,400 Oh, there's more. 450 00:11:54,400 --> 00:11:55,240 Right. 451 00:11:55,240 --> 00:11:56,440 She teases additional strategies 452 00:11:56,440 --> 00:11:57,880 that she covers in her course. 453 00:11:57,880 --> 00:11:58,720 Okay. 454 00:11:58,720 --> 00:12:00,400 And some of them are really intriguing. 455 00:12:00,400 --> 00:12:01,360 Like what? 456 00:12:01,360 --> 00:12:03,280 One that caught my attention was the idea 457 00:12:03,280 --> 00:12:05,640 of choosing the right college major 458 00:12:05,640 --> 00:12:07,800 for financial success. 459 00:12:07,800 --> 00:12:09,320 That's interesting because it's not something 460 00:12:09,320 --> 00:12:11,480 you typically hear in personal finance advice. 461 00:12:11,480 --> 00:12:12,320 Right. 462 00:12:12,320 --> 00:12:14,680 Most people focus on budgeting, investing, and saving. 463 00:12:14,680 --> 00:12:15,520 Yeah. 464 00:12:15,520 --> 00:12:17,960 But, you know, your education can have a huge impact 465 00:12:17,960 --> 00:12:19,200 on your earning potential. 466 00:12:19,200 --> 00:12:20,040 Absolutely. 467 00:12:20,040 --> 00:12:20,880 Right. 468 00:12:20,880 --> 00:12:23,520 Odetta herself initially wanted to be an architect. 469 00:12:23,520 --> 00:12:25,200 But after facing some challenges, 470 00:12:25,200 --> 00:12:26,880 she pivoted to business. 471 00:12:26,880 --> 00:12:27,720 Okay. 472 00:12:27,720 --> 00:12:30,560 And this decision aligned with her entrepreneurial spirit. 473 00:12:30,560 --> 00:12:31,300 Right. 474 00:12:31,300 --> 00:12:32,720 And she put her a solid foundation 475 00:12:32,720 --> 00:12:34,160 for her future ventures. 476 00:12:34,160 --> 00:12:36,840 So it's not just about following your passion blindly. 477 00:12:36,840 --> 00:12:40,280 It's about finding a path that combines your interests 478 00:12:40,280 --> 00:12:42,160 with real world practicality. 479 00:12:42,160 --> 00:12:43,000 Exactly. 480 00:12:43,000 --> 00:12:45,320 Be strategic, be adaptable. 481 00:12:45,320 --> 00:12:46,560 And speaking of adapting. 482 00:12:46,560 --> 00:12:47,440 Yes. 483 00:12:47,440 --> 00:12:49,560 Odetta also emphasizes the importance 484 00:12:49,560 --> 00:12:52,640 of developing strategies for overcoming adversity. 485 00:12:52,640 --> 00:12:53,880 Oh, that's so important. 486 00:12:53,880 --> 00:12:54,720 Right. 487 00:12:54,720 --> 00:12:57,080 She acknowledges that life is rarely a smooth ride. 488 00:12:57,080 --> 00:12:57,920 Yeah. 489 00:12:57,920 --> 00:12:59,160 And that setbacks are inevitable. 490 00:12:59,160 --> 00:13:00,000 They are. 491 00:13:00,000 --> 00:13:01,840 But it's how we respond to those challenges. 492 00:13:01,840 --> 00:13:02,680 Right. 493 00:13:02,680 --> 00:13:04,280 That ultimately defines our success. 494 00:13:04,280 --> 00:13:05,360 Our resilience. 495 00:13:05,360 --> 00:13:06,200 Exactly. 496 00:13:06,200 --> 00:13:08,800 She mentions having to overcome a victim mentality. 497 00:13:08,800 --> 00:13:09,640 Yeah. 498 00:13:09,640 --> 00:13:10,880 And take control of her own destiny. 499 00:13:10,880 --> 00:13:12,080 Taking ownership. 500 00:13:12,080 --> 00:13:12,920 Yeah. 501 00:13:12,920 --> 00:13:14,280 It's about taking ownership of your choices. 502 00:13:14,280 --> 00:13:15,120 Absolutely. 503 00:13:15,120 --> 00:13:17,840 And finding solutions instead of dwelling on problems. 504 00:13:17,840 --> 00:13:18,760 Love that. 505 00:13:18,760 --> 00:13:21,160 And that ties into another intriguing topic. 506 00:13:21,160 --> 00:13:22,720 She mentions mindset shifts. 507 00:13:22,720 --> 00:13:23,560 Okay. 508 00:13:23,560 --> 00:13:24,440 This is where it gets really interesting. 509 00:13:24,440 --> 00:13:26,720 So she's not just talking about financial strategies. 510 00:13:26,720 --> 00:13:27,560 Right. 511 00:13:27,560 --> 00:13:29,720 She's delving into the power of our thoughts and beliefs. 512 00:13:29,720 --> 00:13:30,680 The inner game. 513 00:13:30,680 --> 00:13:31,480 Yeah. 514 00:13:31,480 --> 00:13:35,440 How does she connect mindset to financial success? 515 00:13:35,440 --> 00:13:38,560 She believes that cultivating positive character traits 516 00:13:38,560 --> 00:13:41,560 like forgiveness, gratitude, and kindness 517 00:13:41,560 --> 00:13:43,960 can actually contribute to financial abundance. 518 00:13:43,960 --> 00:13:44,800 Really? 519 00:13:44,800 --> 00:13:46,640 She shares a story about a young man 520 00:13:46,640 --> 00:13:48,080 who had wronged her in the past. 521 00:13:48,080 --> 00:13:49,000 Oh, wow. 522 00:13:49,000 --> 00:13:52,960 Years later, she hired him to work on her second house. 523 00:13:52,960 --> 00:13:55,720 And he ended up saving her a significant amount of money. 524 00:13:55,720 --> 00:13:57,360 So it's like letting go of resentment 525 00:13:57,360 --> 00:13:58,920 can actually create opportunities. 526 00:13:58,920 --> 00:14:00,400 It's like a karmic boomerang. 527 00:14:00,400 --> 00:14:01,360 Totally. 528 00:14:01,360 --> 00:14:03,120 But I'm curious, does she dive deeper 529 00:14:03,120 --> 00:14:05,520 into how these positive qualities actually 530 00:14:05,520 --> 00:14:07,960 translate into financial success? 531 00:14:07,960 --> 00:14:09,840 She explains that when you approach life 532 00:14:09,840 --> 00:14:11,840 with a spirit of generosity and abundance, 533 00:14:11,840 --> 00:14:15,120 it shifts your energy and attracts more positive experiences. 534 00:14:15,120 --> 00:14:15,560 Okay. 535 00:14:15,560 --> 00:14:17,800 It's not about expecting something in return 536 00:14:17,800 --> 00:14:19,400 for every act of kindness. 537 00:14:19,400 --> 00:14:19,800 Right. 538 00:14:19,800 --> 00:14:23,000 But about cultivating a mindset that is open to receiving. 539 00:14:23,000 --> 00:14:23,480 Okay. 540 00:14:23,480 --> 00:14:25,480 She emphasizes giving from the heart 541 00:14:25,480 --> 00:14:28,120 and avoiding showy displays of charity. 542 00:14:28,120 --> 00:14:29,920 So it's about genuine generosity. 543 00:14:29,920 --> 00:14:30,600 Exactly. 544 00:14:30,600 --> 00:14:32,520 Not just using it as a means to an end. 545 00:14:32,520 --> 00:14:33,960 Without expecting anything in return. 546 00:14:33,960 --> 00:14:34,460 Okay. 547 00:14:34,460 --> 00:14:37,640 So aligning your internal world with your external goals. 548 00:14:37,640 --> 00:14:38,320 Exactly. 549 00:14:38,320 --> 00:14:41,920 And that brings us to the final and perhaps the most 550 00:14:41,920 --> 00:14:44,720 important element that Odetta emphasizes, 551 00:14:44,720 --> 00:14:45,960 believing in yourself. 552 00:14:45,960 --> 00:14:48,040 It seems like the foundation for everything else. 553 00:14:48,040 --> 00:14:48,640 It is. 554 00:14:48,640 --> 00:14:50,560 If you don't believe in your own abilities, 555 00:14:50,560 --> 00:14:53,440 it's hard to take risks, pursue opportunities, 556 00:14:53,440 --> 00:14:54,640 and make bold decisions. 557 00:14:54,640 --> 00:14:56,000 Absolutely. 558 00:14:56,000 --> 00:14:58,760 She shares a story about refusing a job offer 559 00:14:58,760 --> 00:15:01,280 because she felt she was being undervalued. 560 00:15:01,280 --> 00:15:01,760 Wow. 561 00:15:01,760 --> 00:15:04,400 This experience taught her the importance of self-worth 562 00:15:04,400 --> 00:15:06,000 and advocating for herself. 563 00:15:06,000 --> 00:15:08,960 So knowing your value and not settling for less. 564 00:15:08,960 --> 00:15:09,480 Exactly. 565 00:15:09,480 --> 00:15:10,480 And you deserve. 566 00:15:10,480 --> 00:15:13,400 It's inspiring to see how Odetta's belief in herself 567 00:15:13,400 --> 00:15:14,960 propelled her forward. 568 00:15:14,960 --> 00:15:15,440 Yeah. 569 00:15:15,440 --> 00:15:18,200 But did she offer any specific advice 570 00:15:18,200 --> 00:15:21,480 on how to cultivate that self-belief when you might 571 00:15:21,480 --> 00:15:25,040 be starting from a place of doubt or insecurity? 572 00:15:25,040 --> 00:15:26,480 That's a great question. 573 00:15:26,480 --> 00:15:27,880 She talks about surrounding yourself 574 00:15:27,880 --> 00:15:29,360 with a supportive community. 575 00:15:29,360 --> 00:15:32,520 She emphasizes the importance of mentors and role models 576 00:15:32,520 --> 00:15:35,360 who can offer guidance and encouragement. 577 00:15:35,360 --> 00:15:37,720 She also talks about celebrating your small wins. 578 00:15:37,720 --> 00:15:38,200 Right. 579 00:15:38,200 --> 00:15:41,080 And acknowledging your progress along the way. 580 00:15:41,080 --> 00:15:42,720 So it's about building momentum. 581 00:15:42,720 --> 00:15:43,240 Yeah. 582 00:15:43,240 --> 00:15:45,800 And reinforcing that belief in your capabilities. 583 00:15:45,800 --> 00:15:46,600 Absolutely. 584 00:15:46,600 --> 00:15:48,960 So it's not just about internal self-talk. 585 00:15:48,960 --> 00:15:52,200 It's also about creating an external environment that 586 00:15:52,200 --> 00:15:53,480 supports your growth. 587 00:15:53,480 --> 00:15:54,880 Yes. 588 00:15:54,880 --> 00:15:56,760 This is all resonating deeply with me. 589 00:15:56,760 --> 00:15:58,640 It's not just about the practical steps. 590 00:15:58,640 --> 00:15:59,840 It's about the inner work. 591 00:15:59,840 --> 00:16:00,120 Right. 592 00:16:00,120 --> 00:16:02,760 The mindset shifts and the belief in yourself. 593 00:16:02,760 --> 00:16:03,920 The whole package. 594 00:16:03,920 --> 00:16:06,920 But I have to admit, all this talk about success 595 00:16:06,920 --> 00:16:08,840 can feel a bit overwhelming. 596 00:16:08,840 --> 00:16:09,520 Yeah. 597 00:16:09,520 --> 00:16:11,960 Where do you even begin to apply all these principles? 598 00:16:11,960 --> 00:16:12,960 That's a valid feeling. 599 00:16:12,960 --> 00:16:16,360 It's important to remember that Odetta's journey was a process. 600 00:16:16,360 --> 00:16:17,000 OK. 601 00:16:17,000 --> 00:16:18,120 And it wasn't always easy. 602 00:16:18,120 --> 00:16:20,800 She faced setbacks and challenges along the way. 603 00:16:20,800 --> 00:16:23,040 So it's not about expecting overnight success 604 00:16:23,040 --> 00:16:24,480 or comparing yourself to others. 605 00:16:24,480 --> 00:16:26,960 It's about focusing on your own unique path. 606 00:16:26,960 --> 00:16:27,600 Right. 607 00:16:27,600 --> 00:16:30,840 And celebrating your progress, no matter how small. 608 00:16:30,840 --> 00:16:31,960 Exactly. 609 00:16:31,960 --> 00:16:33,920 And that brings us to a crucial question. 610 00:16:33,920 --> 00:16:34,880 OK. 611 00:16:34,880 --> 00:16:39,120 What is one small step you can take today 612 00:16:39,120 --> 00:16:41,360 to start moving towards your financial goals? 613 00:16:41,360 --> 00:16:42,160 Yeah. 614 00:16:42,160 --> 00:16:43,760 It doesn't have to be something huge. 615 00:16:43,760 --> 00:16:46,960 It could be as simple as creating a budget, 616 00:16:46,960 --> 00:16:48,960 reading a personal finance book, 617 00:16:48,960 --> 00:16:51,280 or even just having an honest conversation with yourself 618 00:16:51,280 --> 00:16:53,160 about your financial aspirations. 619 00:16:53,160 --> 00:16:54,680 That's a great way to frame it. 620 00:16:54,680 --> 00:16:55,040 Yeah. 621 00:16:55,040 --> 00:16:56,920 It's about breaking down those big goals 622 00:16:56,920 --> 00:16:59,840 into smaller, more manageable steps. 623 00:16:59,840 --> 00:17:01,680 And celebrating each step along the way. 624 00:17:01,680 --> 00:17:02,400 Absolutely. 625 00:17:02,400 --> 00:17:04,720 And remember, it's not just about the destination. 626 00:17:04,720 --> 00:17:06,520 It's about enjoying the journey. 627 00:17:06,520 --> 00:17:07,080 I like that. 628 00:17:07,080 --> 00:17:08,600 Embrace the challenges. 629 00:17:08,600 --> 00:17:11,200 Learn from your mistakes and celebrate your wins. 630 00:17:11,200 --> 00:17:13,800 Odetta's story is truly inspiring. 631 00:17:13,800 --> 00:17:14,560 It is. 632 00:17:14,560 --> 00:17:16,880 And it's filled with so many valuable insights. 633 00:17:16,880 --> 00:17:18,760 But before we wrap up this deep dive, 634 00:17:18,760 --> 00:17:19,360 Yes. 635 00:17:19,360 --> 00:17:20,840 What's one final thought that you 636 00:17:20,840 --> 00:17:22,280 want to leave our listeners with? 637 00:17:22,280 --> 00:17:23,120 You know, it's funny because I was just 638 00:17:23,120 --> 00:17:23,880 thinking about that. 639 00:17:23,880 --> 00:17:27,400 Like, her story, it's not just about the numbers 640 00:17:27,400 --> 00:17:28,280 and the strategies. 641 00:17:28,280 --> 00:17:28,480 Right. 642 00:17:28,480 --> 00:17:29,440 It's about more than that. 643 00:17:29,440 --> 00:17:30,720 It's about mindset. 644 00:17:30,720 --> 00:17:34,600 It's about resilience and believing in yourself. 645 00:17:34,600 --> 00:17:35,880 And understanding that it's a journey. 646 00:17:35,880 --> 00:17:37,160 It's not a destination. 647 00:17:37,160 --> 00:17:37,920 Absolutely. 648 00:17:37,920 --> 00:17:42,080 And that journey, it requires not just knowledge, 649 00:17:42,080 --> 00:17:43,400 but also courage. 650 00:17:43,400 --> 00:17:44,440 Yeah, to take action. 651 00:17:44,440 --> 00:17:45,240 Yeah. 652 00:17:45,240 --> 00:17:47,960 And I think Odetta's story is a really powerful reminder 653 00:17:47,960 --> 00:17:49,760 that financial freedom. 654 00:17:49,760 --> 00:17:50,520 Yeah. 655 00:17:50,520 --> 00:17:53,400 It is achievable for anyone who's 656 00:17:53,400 --> 00:17:54,960 willing to put in the work. 657 00:17:54,960 --> 00:17:55,360 Yeah. 658 00:17:55,360 --> 00:17:57,200 And embrace the process. 659 00:17:57,200 --> 00:17:58,040 Absolutely. 660 00:17:58,040 --> 00:18:00,200 And I think we've learned so much from her journey. 661 00:18:00,200 --> 00:18:01,080 Yeah, we have. 662 00:18:01,080 --> 00:18:03,160 You know, from the importance of a strong why. 663 00:18:03,160 --> 00:18:03,800 Right. 664 00:18:03,800 --> 00:18:07,280 To the power of, you know, diversifying income. 665 00:18:07,280 --> 00:18:08,640 Multiple streams of income. 666 00:18:08,640 --> 00:18:11,600 From dominating debt to optimizing spending 667 00:18:11,600 --> 00:18:12,560 and protecting our wealth. 668 00:18:12,560 --> 00:18:14,040 Those are all key takeaways. 669 00:18:14,040 --> 00:18:16,360 And, you know, we've also gained those valuable insights 670 00:18:16,360 --> 00:18:18,480 into the mindset shifts. 671 00:18:18,480 --> 00:18:18,880 Right. 672 00:18:18,880 --> 00:18:21,480 You know, for overcoming adversity, believing in ourselves. 673 00:18:21,480 --> 00:18:22,640 Those are so important. 674 00:18:22,640 --> 00:18:25,960 And it's, you know, Odetta's story is a testament to the fact 675 00:18:25,960 --> 00:18:28,160 that success isn't just about luck. 676 00:18:28,160 --> 00:18:28,680 Right. 677 00:18:28,680 --> 00:18:29,560 Or privilege. 678 00:18:29,560 --> 00:18:29,920 Right. 679 00:18:29,920 --> 00:18:30,840 You know, it's about. 680 00:18:30,840 --> 00:18:31,760 Making choices. 681 00:18:31,760 --> 00:18:32,400 Making choices. 682 00:18:32,400 --> 00:18:33,120 Taking action. 683 00:18:33,120 --> 00:18:34,840 And taking consistent action. 684 00:18:34,840 --> 00:18:37,800 Having a clear vision, you know, that drive 685 00:18:37,800 --> 00:18:39,600 and the willingness to learn and grow. 686 00:18:39,600 --> 00:18:40,920 To be a lifelong learner. 687 00:18:40,920 --> 00:18:41,280 Yeah. 688 00:18:41,280 --> 00:18:43,440 And as we wrap up this deep dive, 689 00:18:43,440 --> 00:18:45,240 I want to kind of leave our listeners 690 00:18:45,240 --> 00:18:48,240 with a final thought-provoking question. 691 00:18:48,240 --> 00:18:49,000 OK. 692 00:18:49,000 --> 00:18:50,120 I like this. 693 00:18:50,120 --> 00:18:54,880 What is the one limiting belief that's holding you back 694 00:18:54,880 --> 00:18:56,560 from achieving your financial goals? 695 00:18:56,560 --> 00:18:56,920 Wow. 696 00:18:56,920 --> 00:18:59,600 That's a powerful question to reflect on. 697 00:18:59,600 --> 00:19:01,560 And once you identify those beliefs, 698 00:19:01,560 --> 00:19:03,040 you can start to kind of challenge them. 699 00:19:03,040 --> 00:19:03,240 Right. 700 00:19:03,240 --> 00:19:04,360 Rewrite the story. 701 00:19:04,360 --> 00:19:05,000 Rewrite the story. 702 00:19:05,000 --> 00:19:07,440 Create new empowering stories for ourselves. 703 00:19:07,440 --> 00:19:10,680 And remember, Odetta's journey, it began with a dream 704 00:19:10,680 --> 00:19:11,920 and a burning desire. 705 00:19:11,920 --> 00:19:13,160 Find your why. 706 00:19:13,160 --> 00:19:13,360 Yeah. 707 00:19:13,360 --> 00:19:13,960 Find your why. 708 00:19:13,960 --> 00:19:16,440 Take action, believe in the possibility. 709 00:19:16,440 --> 00:19:18,760 And know it's a testament to the fact that financial freedom 710 00:19:18,760 --> 00:19:19,600 is within reach. 711 00:19:19,600 --> 00:19:20,760 Absolutely. 712 00:19:20,760 --> 00:19:23,040 For anyone who's willing to put in the work, 713 00:19:23,040 --> 00:19:24,560 adopt the right mindset. 714 00:19:24,560 --> 00:19:26,080 And on that empowering note, we'll 715 00:19:26,080 --> 00:19:29,040 wrap up the deep dive into Odetta's incredible journey 716 00:19:29,040 --> 00:19:30,240 to financial freedom. 717 00:19:30,240 --> 00:19:32,160 We hope you've gained some valuable insights. 718 00:19:32,160 --> 00:19:32,680 Yeah. 719 00:19:32,680 --> 00:19:35,840 And are inspired to take action toward your own financial goals. 720 00:19:35,840 --> 00:19:37,800 Until next time, keep learning. 721 00:19:37,800 --> 00:19:38,760 Keep growing. 722 00:19:38,760 --> 00:19:39,160 Yeah. 723 00:19:39,160 --> 00:19:47,400 Keep striving for financial freedom.