CBI 1-09 | Language problems and talking about which languages you speak

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And listens of this show will get a $75 sponsor job credit to help you get your job. The premium stats it deserves at indeed.com/podcast. Terms and conditions apply. Need to hire? This is a job for indeed sponsor jobs. Welcome to the show. I'm Richard McDonald, the host of Money Making Conversations Masterclass. Where we encourage people to stop reading other people's success stories and start planning their own. Now, you don't want to miss an episode of Money Making Conversations Masterclass. So right now, follow or subscribe to Money Making Conversations. It's free. And you can find it on the iHeartRadio app, Spotify, Apple Podcast or wherever you get your podcast. Now, sit back and listen as we unlock the secrets to their success on Money Making Conversations Masterclass. My guess is a fiduciary financial professional. Speaker and strategist with more than 10 years of experience, helping individuals, families, entrepreneurs and business owners create intentional wealth strategies. Design for long term financial confidence and flexibility. I have not spoken to her in a long time and I've been chasing her down for like two years to get her back on my show. Please work with the Money Making Conversations Masterclass. Laura Finney, I had to put that out there Laura. I mean, I've been chasing, I've been chasing, the last time we talked, you used an invest fast. You said, "Resha, I'm going to invest fast." And, "Oh, okay, I'll make some time to talk to you." And you have not made time to invest fast. Two years ago, the talk to Richard McDonnell, I've been running reruns on your podcast. I've been running reruns on your episode. I'm so happy. So, if you heard people say, "Scary Sean is interviewing me." You go, "Girl, that was two years ago." That's me, my friend. That's me, Laura. I've been running repeats of you. That's how I impressed I am by you. You are fantastic. Thank you for coming back on my show and making time for Little Low Reshawn Macdonnell and Money Making Conversations Masterclass. How are you doing, Laura? You're doing wonderful, wonderful. So good to be back connected with you. Well, you know, I would say, the reason I always enjoy my interview with you two years ago was that you were a straight shooter. And you tell, you broke it down to people because nobody wants to hear the truth. It's her ages. And, you know, at the 23rd, you really don't hear anything about financial planning. You try to get the next car, the next clothes, the next hamburger. You don't hear nothing because I didn't hear anything. Now, I'm gonna tell you something. I started rolling them up on 40. I started listening a little bit, but I was caught in the middle. I'm gonna just tell you I was caught because I was kind of mad. I didn't start earlier in my 20s and 30s, but I wasn't. I didn't understand it. We saw you can start anywhere. You can start anywhere making your financial dream come true. Come true. Talk to us, Laura. You can't start anywhere at any age in your right. Our 20s and 30s. It's about the career. It's about the grind. It's about keeping up with our social lifestyles. It's all of the things except retirement or saving for the future. And that's always been a big deal in our community. But I am thankful that I am seeing more younger people take it a lot more serious than what you and I probably did at that age. Mainly because there are more resources available for them to learn that this is what they should be doing. So I'm excited about it. I really am. Cool. Now, because it's interesting because I think that, you know, first of all, in our 20s and 30s, we didn't have an internet. We didn't have YouTube. We didn't have every social media for sure. And we didn't have cell phones. So you have the ability to see success, to research success. But that can also lead to problems because we have these wannabe people you might be watching on social media who aren't licensed. Talking about all this wealth and how to flip this and flip that. You are a professional. When you see that, does it make you mad or are you just or forces you don't want to get in front of more people so they can see what you bring to the table and the reality of what you bring is authenticity and experience. That's true on both points. I get very angry. I don't and we typically don't talk about other people's things. But I just recently heard a 72-year-old call in who's on an oxygen tank and so security son pays a mortgage. And she's already in her words live in very forego. You know what they told her to do, which is also what her son told her to do. Based on her investments, you're going to run out of money in seven years, so you need to get a job. 72. Yeah, on oxygen has limited income. Seven years worth of investment, supporting to their numbers, her son and this person she called in to and they told her she needed to give her job, get a job and they gave her the resources. So it makes me angry because one you haven't really looked at that person's full financial picture. There's some amazing books out there, some amazing podcasts. But these people don't know your entire financial situation, they just have a clip of it. And then you put that kind of power in someone's hands and by the time they come to me, I have to correct those mistakes. You know, that what scares me nowadays, Laura, is just scams. You know. Yeah. And I'm just gonna say it. I see stuff look like American Express, you know? I see stuff look like Bank of America. I see stuff look like that sometimes on my Facebook. They'll tell me, I don't matter, say I violated the copyright. Click this link here so we can fix it right away. That is really, especially, this is not, this is, I'm pretty alert guy. I'm pretty smart guy. And I'm gonna tell you, I think I'm sharper now, but about two years ago, I was scared to death when these threats came across my screen. And that's really was traumatizing a lot of people of these look alike scams that look very real, but are really like the traps that can suck your bank accounts dry, correct? - It happens quite a bit and unfortunately for those professionals who are licensed and who really do want to help, we are the ones that get looked at, like, you know, side-eyed. We get the side-eyed look because so many people have been burned, you know, they trust someone for whatever reason or another. And especially in our community, because we don't know what it looks like to trust a financial professional that they don't know what that looks like. So when you offer that to them, they look at you as the scam versus that ad that popped up or that 22nd TikTok that popped up. Yeah, when you have someone that's willing to sit in front of you and give them their time and care about you, those are the ones that they typically shy away from sitting down with because again, you go back to being in that microwave society, you know, a sound bite sounds much more appealing than hey, we need to sit down for about 40 minutes and go over everything. - Please don't go anywhere. We'll be right back with more money making conversations, Masterclass, not need for you to do me a favor. Right now, to follow or subscribe to money making conversation, it's free. And you can find it on the iHeartRadio app, Spotify, Apple Podcast, or wherever you get your podcasts. Please do me that favor. Follow or subscribe, money making conversations. Welcome back to money making conversation, Masterclass, with me, Rishan McDonald. - Right, I'm talking Laura Finney of Laura Finney Enterprises. She is helping individuals and business owners create financial security, retirement readiness, and long-term confidence through strategic planning. Here we go. When extra money becomes available, Laura, how would someone decide between paying off debt, saving or investing? - Oh, that's a good question. (laughs) 'Cause that's another misconception. You have people that wanna pay off debt first, right? - That's me. That's me, I'm just doing right there. I would pay off my debt. (laughs) - I just hate seeing that debt, but if that emergency fund is improperly funded, then guess what you're going to do when an emergency happens. - I'm trying to figure out how to get that debt off of that, I'll pay it all back. - Yeah, you have to go back to the debt that you use that extra money for to pay off the emergency that should have been funded in a separate account. So always say, we go back to, you know, pay yourself first. I don't care if it's a short leak and you did work over time, but it's consistency paid. I don't care if it's $10 or $100 or $1,000 that you're putting away. But the more you pay off that debt without having that emergency fund secured, the more likely you are to have to go back into debt to pay for an emergency. - Mm-mm, mm-mm, you know, I haven't told you some Laura. I'm talking to Laura Fenty of Laura Fenty in the process here, I hadn't talked to her in two years 'cause she's been busy. I've been just running reruns of my interview idea with her, just educating the world on her wisdom. So I'm happy to have you back on my show live. And if that not be two years, for I speak to you again, Laura. - It will not be two years yet. - Thank you. Now, I have a daughter, and she listens to all my shows 'cause she's an editor at my company. And so she's a 29, she has a purchased a lovely townhouse and she has a car, no car payments. With that advice, what can advice would you give to my daughter to save or how you approach her about saving money? So when she gets to her 40s, 50s, she's in a good, she's in great shape. What advice would you give her? - Yeah, yeah. I love my 20 something year olds that have that sort of stability in their life and in their finances. It's a big, the world is theirs at that point. She's in an amazing position. She should definitely be talking away pretty much a good portion of it because her biggest debt that car is paid off. Her investment piece, which is her home, if she decides to use it as such, it's still a bit of security there for her. So she has that cover. Now she has to look at the long term planning of what my retirement life is going to look like. What do I want to live off of? How do I want to live? And what measures should I have in place for the long term, like when I turned 70, who's going to take care of me tight money? - Now. - Because at 29, most 29 years old that I know want to retire between 40 and 45. - But I'm gonna tell you something. When I was in my 20s, I could see 70. Yeah, I'm being honest with you. It was like 70, 60, I didn't even see 50. So it's really, you really have to be mature. I'm just used that right. I was just very immature. You have to be really mature to sit down and be focused on your future, focus on. Let me tell you something. I did go to college, okay? Got my degree in mathematics, right? It took me seven years. I'm going to be honest with everybody. I wasn't a four year guy because guess what? I was immature at the time I said, yeah. And so, but being a focused person, understanding budgets, understanding finance, understanding longevity, understanding planning and setting aside money. That's the key, setting aside money at the bare minimum. If she's 29, what would you say the bare minimum? She should set aside a month. If you were recommending, you don't know her, just a general conversation. - If I had to take a number off the top of my head, it would be 30% of her income. - Okay, cool. All right. She gonna hear this. - 30%. - Yeah, 'cause I want her to be able to live like her father, 'cause that's the question I'm gonna ask. - I'm going to completely get her out. Be what that age looks like, even getting the example. So they get to choose if they want to live like my mom and daddy. - Absolutely. And I'm gonna tell you something. One day she was, I was sitting down with my wife and she wanted to travel like us. My wife just looked at the girl, really? Oh, now you want to travel like us? But again, we'll be back with more of money making conversation masterclass. Thank you for coming back on my show, Laura. I missed you. You listening to money making conversation masterclass? The one and only, Laura Finney and Laura Finney and the prizes, don't go nowhere. - Stay with us. More of money making conversation masterclass, comment up next. Chad GPT can do more than answer questions. Chad GPT work is built for bigger projects with multiple steps. You bring the goal along with the information it needs. Like notes, files, customer feedback, calendars, project plans, or data. Then Chad GPT can help turn that into a useful work. A marketing grief, a sales tracker, an investment update, a deck outline, an analysis, even a workflow your team can use. It can also work with approved apps and connected tools to help move the project forward. And you stay in control the whole time. You give directions, review the work, approve any access and decide what the final result should be. So instead of spending all your time figuring out where to start, you can start making progress. Put Chad GPT to work on your most ambitious ideas and projects. 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(upbeat music) All right, if you've been putting up a car shopping because it sounds like a whole thing, buying your car online on auto trader makes it way easier. Like almost easier than ordering your coffee easier, really. You can search through tons of cars online, compare prices, check out Financing and Trading Options, all from your couch, your office, wherever. And if you want to start online, but still hit the dealership for a test drive, you can do that too, really. That's what's great about it. It's flexible, start online, finish at the dealer, start at the dealer, finish online, your info stays with you, so you're not starting the process from scratch. And unlike those other sites, you're working with local dealers, so you've got real people helping behind the scenes. And when you're ready, you can pick your car up, I have it delivered, really. So whether you know exactly what you want, or you're scrolling, trying to figure out if you want heated cup holders or more horsepower, auto traders got options to fit how you want to buy. Buy your car online on auto trader, really. Welcome back to Money Making Conversation Masterclass, hosted by me, Roshan McDonnell. Let's get back into it. - Cool, hi, welcome back to Roshan McDonnell, the host of Money Making Conversation Masterclass. I'm seeking the law of finney, a law of print, finney enterprises. Law, how can we get in touch with you? - You can go to my website, which is lawoffinneyinterprises.net, and skinny with an FIN, EY, and Enterprises with an S at the end. Lawoffinneyinterprises.net. There's a really simple form on the page, you just put your name, email address, and a phone number if you want me to call you, and I will definitely get right back to you. - Cool, it's a couple of questions. I'm gonna ask that I know a lot of people listening that didn't see it coming. Like, how can adults support aging parents with our jeopardizing their own financial future? - It comes down to the conversations about what they can afford to do in supporting that I see it a lot with, especially that sandwich generation as we call them. But now seniors are looking at losing their livelihood with the income that they're bringing in. It's not as much. So when they're leaning on their children for help, the children have to decide or determine if there's a minimal way that they can help their parents every month, or if it's quarterly or something like that. And the dollar amount really is based on what can you afford to help with. And at that point, you're looking at different agencies to see how they can subsidize those needs that the parents may have, which is even tougher because now you have a job of the job of taking care of a parent. - Now, here's the flip side of that. You know, you're sacrificing your retirement savings to pay for your child's education. - Oh, we're showing. (laughing) You know, one of the questions always as clients, you know, when it comes to, you know, how much money you wanna have in the future, are you gonna contribute to your child's education growing up or do you just, you know, wanna let them figure it out on their own, you hop at the side, what's most important to you? How you live in 10 or 20 years or your child's education. And in most cases, kids can take out their own loans these days for that. But it's not something that I would ever recommend because if you got to a point where you have a retirement nested, you can't make it up once you get rid of it, once you use it, once you give it away, you can't make that money up, you can't get it back. - You know, it's really interesting you say that because like I said, you can be hit on both sides. Like I wanted to show that example, you know, your aging parents, you know, you, they are potentially could either way at your retirement nested and then you have your kids, 18, wanna go to college or maybe in college and then you don't want them to get a loan or student loan because guess what, they're indebted for and they will feel that maybe 15, 20 years or longer after depending on the level of the loan that they get or the type of job they get when they get out. So that's a balance. - Well, I have to ask, who's problem is that though? Is it the parent's problem or the kids problem? - Well, it's a little bit of both I think when you, because you know, we as a parent, I'm just picking as a parent, I want my child to have a better life than I had. Okay. And so, you know, that's the American dream. And so, but I think the thing that we never see coming that's happening is taking care of our parents. I don't think we see that. That's the new debt. I wouldn't, let me be call us and say they'll use the word debt that we didn't see coming into the equation. At least I didn't, but I see it more and more because it comes up more and more in conversations. You know, what do you put your mom or your dad retirement home? You know, they get you a certain age. They can't stay at their home by themselves. You have to have a higher caretaker. And if the caretaker can't do the job, you got to put them in a home. All these are expenses that you may have to encounter. And you don't want your mom or dad staying just anywhere. So those decisions and they can come back and eat into your kids' dreams or your dream because of the fact that, you know, you're in a situation where you didn't plan. And so, these are the difficult conversations. You get the key word though. You said the key word plan. And that is so important. The reason that I started to include the word fiduciary is because we do more on the consultation than most people, advisors and the same people in within the industry. And believe it or not, Rashan, that is a question on my intake. Is, do you see yourself having to financially support your parents in the future? And if the answer is yes, the parents have to be included in the entire financial plan. It can't just be in guesstimate. And then I've actually included parents in the equation to say, "What would you want to happen?" For example, if it was your daughter and your dad couldn't take care of himself, you know, Mr. McDonald, what would you want to do? Would you want to live with your daughter or would you rather have someone come in and help her take care? We get down to the nitty gritty. I leave no stone unturned because like you said, it becomes a surprise later on, a surprise, a burden. And then, in the end, I'm going to go to the next one. in many cases, how can I make this up? Because now you're trying to figure out how am I gonna make more money to keep the lifestyle I have and be able to take care of my parents. - And I've learned, you can't turn back the clock to make more money. Once you're at that age, what you make it, what you move forward, what you move forward with. And so that's, then that's why I enjoyed talking to you because you are straight shooting. And a lot of people and myself included need that conversation or they wake up call to go and stop. You're this age, okay, this is what you're making, okay. Now, you can keep flying around this world, flying first class or whatever you want to do, or standing this type of hotel, or you can reconsider other things, because there are options to what you can do and still enjoy life. But somebody got to tell you and you are that person. - With that being said, tell everybody about who exactly Laura Finney is. - You're right. I'm a straight shooter. I'm so glad my friends love me and you still hit me back. I guess, you know, I believe in the truth. - Absolutely. - And the truth, I believe, sets you free and you allow people to make decisions based on that. I'm not gonna sugarcoat everything. I will turn over every stone and rock to make sure that whatever you need as far as info and education, I'm going to give that to you. There's not a whole lot of people that say, I'm gonna patch you on your back and say, hey, give me a call later. I'm not that person, but very caring, very empathetic. And it's probably one of the softest spots I have in this role is caring so much more for people. And the decisions that they make and getting them to understand why that's so important in having, I like to call it a financial coach. Somebody you have on feedback of about the 60 clients I have, I may get, I don't know, four calls a year. - Love it. - From people who are just in a bind or about to make some different decisions and changes and we talk through that. I don't put my clients on a 20 minute timer, never. - Well, you know. - 'Cause the more you talk, the more I'm gonna learn some about what you're doing that you shouldn't be doing it, then we're gonna turn around and this is that. - This is a lot going to be Laura. She's gonna be Laura then. - I'm just saying that. She's the one that calls that if you, if you're over there, you will, you know. And the one I'm saying is that, here's my whole thing about your money. You don't want anybody to have your money or work with your money that don't care about your money. And- - That's right. - That's important. I'm just talking in general. Because I know some people that go ahead and invest 'cause it's rolling, right? But that might not be the person that cares about your money. She uses the word fiduciary. Can you explain to people what that means, Laura? - It means that I'm licensed and, according to the old I took, I have to put my clients needs first. It also means that I don't provide investment and vice. I look at a complete financial picture with the goal of getting you to what your ultimate goal is, whether it's saving, whether it's getting out of debt, whether it's setting up, you know, income in various accounts and being able to tell you what those options are. And knowing that, for me more than anything, is that you understand it. If you don't understand it, I can't help. I'll kind of let people go on their own and probably wouldn't answer their calls, 'cause I don't want my name behind bear mistakes. But it's so important to me that people understand the products that they have. - She's my favorite person. I know, you know, an NPR, you can't say favorite, you can't say you like people. It's a lot of apologize, I apologize. We shall back down here. But when you come across people that, you know, you want the people to hear. And this is what this show is about. You know, the truth about how you should look at your life, prepare your life. We all are gonna get old. That's a ticket we came run from. And we all are gonna die. But we all can get old in a certain way and we all can prepare to die a certain way. That's what this show is about, preparing you for life. Hopefully the information you get, the law offenders of the world are waiting on you out there. Laura, as we close, tell them about your website so we can know how to reach you if some people want to call your contact. - Okay, the website is, again, morethinnieinterprises.net. For my women out there that are listening, it's she prospers with an S at the end.net. That's solely focused on women with financial education, which is huge. And then I can be reached if they want to call me directly at 404-692-1824. - Laura, thank you for taking the time. I'm gonna come and speak to Richard McDonald again. (laughing) I miss you, my friend. We talk soon, okay? - Likewise. - Bye-bye. And thank you everybody for listening the money making conversation masterclass. It's a joy. It's a joy to come on this show. It's a joy to, and a blessing to have WCLK to allow me this hour weekly to be able to tell everybody who's listening to me to keep winning. - Thank you for listening to this episode. Now I need for you to do me a favor. And you can find it on the I Heart Radio app, Spotify, Apple Podcast, or wherever you get your podcasts. Keep winning. Chat GPT can do more than answer questions. If you listen to true crime podcasts, you know that details matter, especially the small, everyday details that might go unnoticed. And with Kroger, you can plan ahead by keeping your kitchen stocked with fresh, quality essentials. 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