Financial Planning: Where Do I Start?

Hello, hello, hello, welcome back. You're listening to on the journey with me coach Erica at the American Family Studio at the award winning 101.7. The truth journey team, I'm glad to be back.

This is the place to be if you want to talk mine said money and real estate. Keep in mind the talk and text line is open at a 3 3 2 1 2 10 17.

Make sure we tap and tune in today because we have an another amazing topic that we're talking about tonight. We are talking about financial planning the perfect time right the new year. We need to get these finances together.

So we're talking financial planning. Where do we start and I think we all can benefit a figuring out where do we start with this financial planning journey so and as always we have some an amazing guest listen.

I can't wait to introduce this couple here but we have an amazing set of guests right here live in the studio to give us insight and perspective so make sure you stay tuned in.

But I got some announcements to get us going. First I wanted to point out you know I always got to like show off the boutique y'all I see the millionaire vibes I'm I'm giving out the millionaire energy we we are manifesting okay so yes this hat you can find this right from boutiques on the go which is your coaches boutique my boutique boutiques on the gold dot online check it out for all the latest t shirts.

Hoodies hats you name it they are there but yes we are manifesting this millionaire energy today but before I dive more into what I'm going to be talking about I was actually this afternoon working and got an email and I got so excited and I could not wait journey team to share this information that was just released so the email that I got it looks like the

for senate district actually released today what's called the first time home buyers act and I'm super excited about this because journey team is 2026 we are leveling up and we're scaling up and so this is a great opportunity to take advantage of this act so you can level up and scale up I would love to see more home buyers more home owners this year in my opinion everybody every family deserves to have a place

that they call home that they own so just to kind of give a little overview of this program this email that I got and I want you to look into it don't miss out it is called the first time home buyers act it just released today and this is for Wisconsin specifically they are looking to get people more

opportunities to be home buyers as well as building up our communities and we know the more people we have buying in communities the better communities are going to be

if we continue to have vacant and abandoned houses guess what our communities are going to continue to go down and that is not what we want journey team so with this program that they release

the criteria you have to be a first time home buyer and or you have to have experience for closure before so those are the two qualifiers there from that standpoint

there's other things that have to go into play with that but the one other thing that I do want to mention out but I want you again to look into this the first time home buyers act

you only have to personally contribute a thousand dollars to your purchase with this act they are not only going to help you with your down payment

costs but they're going to also help you with your closing costs as well as mortgage insurance paying down interest like this is huge journey team so

please make sure you look into this you can do me call in I will love to give you all the information or for it

you the email that I have so you can see the details for yourself but that is the first time home buyers acts remember we

are scaling up and leveling up and we need more homeowners this year so don't let a great thing pass you by if maybe you're already a home

owner share it to a friend share it to a family member as part of this financial journey that we're on right not only do we need to be

educated but we need to share the knowledge and resources that we have so please share this information if you know

somebody looking to be a home owner but I'm going to dive right into what we're talking about this week for those of you

that may just be checking in or maybe this is your first time listening to my show I myself am a real estate investor entrepreneur

the list goes on of all the different hats that I wear but I talk a lot about my story my story when you hear me talk about

and reference the journey because it really has been a journey and my journey is continuing to go on and I share so openly

about my own personal story and real estate how I got started my own personal financial losses because I know for

fact there are several people out there who have experienced the same thing I've experienced and or their experience

and now and I am here to tell you you still have a chance you still have an opportunity it is not over even though it may

feel like it's over and so I when I was thinking about like what do I want to talk about the person that I actually thought about with this

was Rod Wave and his song said racks to riches and I'm like okay racks the riches let me think about it my racks I had

I had a chapter seven bankruptcy that I filed I filed chapter 13 bankruptcy I had student loan debt and I'm not talking about 10

thousand 20 thousand I had over a hundred thousand dollars in student loan debt because I went to two private schools for

undergrad and graduate school I had to do a short sale on my very first investment property that I bought when I first

got into real estate I did not have any savings I had bad credit and I was financially literate yes because I did not have the

information I needed to help me flourish and make those smart financial choices that I needed to make so when we talk about

racks the riches that's a few of my racks we all got racks we might not have them right now but at some point you've

had some racks or you might be getting some racks that's coming that you don't know about but then I want to talk about

the riches because it is a point to that racks to riches here's my riches I didn't let what I went through

discouraged me I did not let it stop me I did not let or allow failure to haunt me what I did was I turned it into

riches and how I turned it into riches is because I I continue with my real estate journey I learned what I

needed to know I talked to I needed to talk to I network I educated myself I became financial literate and

knew what I needed to know along this journey and I got back into real estate and not only did I get back

into real estate guess what in my riches I paid all my debt off using my real estate income all of

it's right when we talk about these riches I have savings now right I have investment accounts my

money is working for me in my sleep and I always tell you journey team if your money is not working for

you on a daily hourly second basis it does not make sense okay I have no more student loan debt when

we talk about these resources you know we get a little leery but let me tell you the public service

long forgiveness program it helped your coach out my student loan debt is gone zero I went from over

a hundred K and student loan debt and it is gone so when they put in resources out here don't be like

oh yeah that's not true don't feed into the negativity look into it for yourself get the facts get

the information because it definitely could be something that could potentially help you it helped

my credit is no longer bad okay I want us journey team to be at that position where you walk in the

dealership the same day approve miss Odom here's your keys to the car we want you to be in position with

credit where you walk in and you get approvals but you get good rates okay when we talk about these

riches we want you to be financially well versed we want you to be at so well versed on your journey

that you are educating and impacting everybody around you when we talk about these riches and

we got to make investments in ourselves and one thing I've learned journey team I'm not afraid to

invest in myself I watch so many people you are quick I'mma just put it out here we quick to buy

a Louis back and I got a Louis back I'm guilty of it too but there's a difference I can buy a Louis

back but I'm not afraid to invest into myself I make investments into myself I make investments into

my business that is making me grow making us grow taking us to the next level but then I come into

contact people come into contact with people journey team and I'm like so you mean to tell me

you're willing to invest into that bag that purse but you don't want to pay this $25 $30 to go

to a workshop that's going to help you that's going to be an opportunity for you to network to come

into contact with people to give you fruitful information not information that's invaluable but

valuable come on now journey team it's 2026 and yes I'm going home hard on you all today because

I want us to be great I want us to what skill up and I want us to level up and with that we have

to understand how to do that so I thought again when I was thinking like oh right way rags

the riches yes your coach has had a lot of rags and I'mma just be real I'm probably gonna have

some rags again in the future because in this life that we call life right it's always life and

and nobody's exempt from it it doesn't matter who you are what your status is nobody but the key

thing if you don't take anything else away you can have all the rags all the colors all types of

rags right but guess what the riches will come if you stay consistent on your journey if you believe

if you keep pushing if you make the necessary changes okay so we are going to continue to push

on this journey I've given you a little insight about me a little cap about me I want you to remember

that money this thing that some of us like so much money it is a tool we gotta know how to make

this tool work for us we have to know how to use this tool and we have to make sure that the

tool is not working against us but coming up next we're talking financial planning where do I start

you are listening to on the journey with coach Erica on 101 seven the truth

okay I like that rags the riches right feeling the energy here okay okay welcome back

listening to on the journey with me coach Erica the talking text line is open at a 3 3 2 1 2 10 17

journey team tap in we are talking everything today about financial planning the new year has

started and I know that's a big thing for most people it's financial planning amongst other things

I want to get my finances right I want to get my bag right I want to get my money right right

but where do we start is the question and that's a valid question I don't expect everybody to have

the person answer and the reason why I say that journey team because when it comes the finances

at least my take on it is that our financial profiles are exclusively to us what may be for one

person may not be for the next so you really have to look at yours individually but at promise

we have some amazing guests here and I want to make sure we have enough time to be able to get

insight and perspective for them not only do we have amazing guests we have what I like to call

a true black power couple in the studio and I love it love it love it I am going to start by

introducing first let me tell you about Jeffrey Webster not only is he a lifetime banker and a bank

manager with us bank with over 15 years experience in the financial industry he's also a real estate

investor and owner of live well properties and then listen we talk about the power couple

he walked in here with his amazing wife that's how you do it you walk in as a team okay stop

playing with them y'all he walked in with his beautiful wife who misjasmine Webster who's a

guy fearing woman she's a devoted wife a mother a branch manager and she also is backing up

and assisting her husband with live well properties that's how we do it y'all team ship partnership okay

but I'm gonna start with Jeff hey Jeff how you doing doing good how are you good I'm so glad

to have y'all here I want to just kind of start by letting the viewers and listeners know just a

little bit you know more about you who you are what it is that you do yeah absolutely so I'm Jeff

Webster I look at myself as just a regular individual I'm a father I'm a husband I am a musician I'm

a bank manager I'm a real estate owner I'm an uncle I'm a son okay all the hats I'm so

many it's so many different different hats that I wear I'm a servant of the Lord just so many

different things so yeah that that's who I am I have three beautiful daughters okay when I think

about like live well properties and I know we'll kind of get into it but a lot of that it's for

them absolutely you know so when we think about the journey and we think about legacy and things

of that nature that's what I think about like that's truly my wise my family my daughters my wife

that's my why that's why I get up live and that's what gives me the drive to get after every day

to go to work to like you said to to manage to manage at the bank and to work on my real estate

and things of that nature it's for my family and I'm I'm I'm really really deeply rooted in family

and if there's any of my family listening you know hashtag loyalty they'll get it okay but yeah

I like that okay no nice thank you Jasmine did you want to add anything to our viewers a little

bit about who you are yes hello my name is Jasmine Webster and first I want to say how much

of a privilege and honor it is to be on this platform you guys have an amazing coach I think I just

got me a new coach she is a inspiration she is sharing the wealth and we thank her for what she's

doing and how she's doing it with humility and grace at the same time so big kudos to you thank you

again my name is Jasmine Webster I also am a servant of the Lord love me some Jesus but I also love

what he's allowed me to steward which is my three children my amazing husband also managing

and developing others around me I enjoyed that very much and I am just excited to dig deeper and

explore more and talk more and educate the people about how to get started we'll talk more about it

and to get excited about it thank you thank you so I want to kind of like dive right in so journey

team let me tell you how I came across this wonderful couple couple I want to say a couple months

back in 2025 like early fall late fall ish I was at a speaking engagement and Jeff was also at the

same speaking engagement we were presenting and I heard his story with him and his wife and everything

that they done and I was so amazed and so intrigued and that's why you know when I talk about like

don't get discouraged don't get discouraged because we all have stories and there is hope in

everyone's story and so I'm listening to this story and I'm like wow that is amazing so I'm

going to dive right in for the sake of time can you just kind of give a quick highlight of live

well properties how many properties do you have what do you do what type of properties do you

specialize in yeah absolutely um so live well properties is it's simply just my real estate

company or our real estate company is strictly for owning real estate okay managing the real estate

that we all okay portfolio consists of all multi-family properties awesome yeah so from duplexes

to um couple apartment buildings in the townhouse uh live well properties started I would say it

started probably when I was a kid not that I really think about it like when I really deeply think

about it like live well property started when I was a kid so funny story is my my sister growing

up her and her husband had properties okay so they would have me to do work on their properties

so whether it's like painting cleaning when they were acquiring properties that they were moving

ten inside things of that nature so it started literally when I was a kid I didn't realize it

you know high inside of Sunni Tony but I don't I didn't necessarily realize it but they'd probably

started when I was a kid I would help them and support my uh brother-in-law support my sister

with their real estate ventures and endeavors um when I got older I want to say maybe around

18 or 19 God gave me this this acronym okay live so I don't share this often but live well

actually is an acronym so live with the live part is an acronym and it stands for Liberated

Innovative Vibrant and Educated I like that yeah so I created this acronym and it was just

something that kind of stuck with me when I initially thought about it was just a a thought of

creating a network of people um because I was going to I was going to start something called

Live Well Alliance and the whole idea behind it was just to be able to create a network of

good people okay to be able to connect with right but the live part stuck with me so

later in our journey okay in my journey um as I got older as I'm working um I'm working in

at U.S. Bank okay um I want to say maybe around 2020 yeah so during the pandemic

during the pandemic you know everybody was everybody was on a hustle during the pandemic

let's get that same energy back to our team everybody was creating businesses uh what have you

during the pandemic well my my first little business venture wasn't live well it was actually

Mount Man LLC I was out mounting TVs for people okay my beautiful hustle like that's beautiful

hey a hustle with the hustle okay it was it was it was it was my hustle my pandemic hustle that's

what I will describe my man you can literally go to my my Facebook you can search Mount Man

LLC you you'll see I had a decent following and uh I was mounted TVs well during that time period

I said this is cool but like I really I had interest in real estate um especially working in the

bank I went to uh school for business things of that nature I went to UW Parkside I got a business

degree um there and I always had this like this intrigue with real estate like when I was a kid

when I go back to the the thought process of even when I was a kid I will watch the um the

home renovation shows and things that at nature and I would I would watch for hours it was like

one of the things that I enjoyed watching and um another thought process that I think about when

I was a kid my room was my room was in the basement right and I remember one time my my light went

out in my room okay and I went to it used to be it used to be a ace hardware on MLK like maybe

between north and walnut somewhere in that realm I went to the ace hardware store the guy said

and I was I was looking for a light fixture okay and as I'm looking for the light fixture I asked

the gentleman that was working there um you know do you guys sell light fixtures and then he showed

me the light fixture was basically a simple light fixture he said um and I said is it pretty much

easy to to to put this back back up and he pretty much told me like if you can take it apart you

can put it back together okay that was the that was the good his wisdom that he gave me so when I

think about you know like where did live will start it started literally in those moments like when

I was helping my sister when I went to ace hardware store and the guy said if you can and like

this is something that stuck with me like if you can take it apart you can put it back together

and it's something that stuck with me throughout my whole life so leading up to now to my adulthood

it's like okay getting back to what what am I passionate about what is that thing that like

I really really enjoy and and and was intrigued about it was it was real estate so

during that pandemic period I've ventured into that's when we bought our first home okay

okay it's a it's a lot to the story but I'm trying to you know summarize it as best as possible

so we bought our first home during the pandemic like that's a story and it's that yeah that I can

share that I can share uh too but we bought our first home during the pandemic and we were there maybe

a year and two um our first home as a as a family and I wanted to get another home right and I

and I do remember you mentioned this story I want you to hold that thought for one second for

when we come up next um but journey team keep in mind financial freedom starts with one

decision and that decision is yours coming up next we're going to have more on financial planning

stay tuned there's lots more to come

you are listening to on the journey with coach Erica on 101 seven the truth

okay okay I'm really feeling this energy we're the money out okay so welcome back your listening

to on the journey with me coach Erica remember journey team the talk and text line is open at

8 3 3 2 1 2 10 17 we are here today talking about financial planning and where do we start is

the big question we have the opportunity this evening to have our amazing power couple on with

us Jeff and Jasmine Webster they are here from live will properties amongst all the other things

that they're doing here in our community um and so we we started off talking a little bit about

their background the last segment and Jeff was actually just starting to talk about how this all

started with live will properties with their first home so I'm going to dive right back in either

if you want to chime in I kind of want to list let's just dive right into it how do we start where

do we start when it comes to financial planning yeah I will start with saying starting with the

mindset oh yeah I know how I feel about mindset but I'm be quiet go ahead no when I think about um

you know financial planning and when I think about the people that I connect with on a day-to-day

basis whether it's professionally whether it's personally I think about and when I think about

let's say finances like where can we start where is realistic and doable right so it's like starting in

your mind I think the mind is it's such a powerful tool it's such a powerful part of part of like

our makeup yes so really tapping into the thought the thought process the thought life yes I think

that's the starting point if if you can't if you can't see it in your mind is going to be hard

for it to come into fruition absolutely right if you can't see it in your mind is going to be

hard for it to to come into fruition and me personally like I'm a I'm a like a visionary type of

person so a lot of things that I pursue I pursue like it literally started in my mind right you

know at some point so that's what that would be my my first thought or recommendation or

perspective that I would give I like what you said about like everybody's journey financial

journey is unique and different so it's not like a right or wrong answer to it but that's where

I was I would say it starts in your mind and then from there you can take the next step and I'll

let jazz speak to anything I am in complete agreement just kind of thinking about what that looks

like when we first started we're young we just had a baby and we are now have the stimulus check

so we can choose to one change our mindset from a poverty mindset and get scared to be fearful

and as believers we walked by faith not by sight so what it looked like right now wasn't our

portion and we believed together and we stood in agreement with God being our foundation that he's

going to see us through this so we then went back to your great recommendation your coaching to say

let's shift our mindset and let's invest in ourselves and that was the beginning of our journey

and anyone's journey yes it looks fearful at the time it's just you maybe or you don't know what

that looks like so my recommendation would be to start with the mindset shift and then take action

be purposeful on your next steps so what that looked like for me right is now we've invested

this money we've invested this stimulus check let me start saving the mindset I had was tithing

so I'm going to tie 10% in myself just like I tied 10% in the Lord and that savings is building

up for me absolutely touching that I'm being intentional about putting it there and not touching it

and then getting the vision right the vision down make it plain this is where we want to be

in the next couple years we want generational wealth yes what that looks like is small and minor

sacrifices in your I may not be able to go out to eat today I may not be able to get that full set

but you can go get that dollar press on and save the rest of that money okay so it was literally

a shift in mindset and then believing and having faith that God will work it out and that's exactly

what we did and those were the first steps so I got into that savings account saved that 10%

mindful of how I did it and I found a good bank I worked with coaches I learned I listened

tap into podcasts axe coach my pride had to go aside to get to where we are today and it was

coaches like yourself visionaries like Jeffrey and then just having faith to say I'm going to

take this journey I'm going to invest in myself and I know what's going to come back to me so

those were some steps that we took together listen journey team I hope you did not just miss that

that would listen okay it's so much I can say that but this is what I'm going to say if you are

just tuning in we have Jeff and Jasmine Webster of live well properties and I want to highlight the

fact that not only are they doing real estate but they got multi-family units and I got so many

people out here that I encountered that's afraid to just make the home buyer purchase and move

but we got two people right here that is showing you yes not only can you buy but you don't have

to be afraid you can buy multi-family units as well it is doable it is possible so can we extend

a little bit more on we obviously know the mind is a powerful thing right and it starts with that

but what are some other recommendations I heard you talking about sacrifice that is huge you got to

be willing to sacrifice you got to be willing to put your pride down but some other recommendations

that you have on where do we start on this financial journey yeah so the next thing I would I think

about is shortening any knowledge gaps or just learning and connecting with resources

so like in 2026 almost at 2025 but in 2026 like to be able to you know go on to the internet

or to be able to connect with someone and gain insight like knowledge is at our fingertips

literally at our fingertips so it's it's a matter of pursuing pursuing the knowledge so that's

the next thing I would say is look to pursue the knowledge so once you have the mind piece figured

I'll look to pursue additional knowledge and more knowledge just literally what I did I connected

with people with in my with in my network whether it was through through work people that I might

have new personally I research I follow people on social media is like Instagram I follow

a bunch of real estate people like people that like resonated with me everybody might not necessarily

resonate with you but began to you know gain some sort of followership for people that are doing

what it is that you're looking to do right right so I will start start with connecting making the

the connections and building just that the knowledge gap piece absolutely and that might just simply be

like if you were to connect with me like I'm gonna give you free game every time like if anybody

asks me anything real estate related it's free game like all the time right and if it's just

action one or two questions I can't tell you the amount of conversations that I've had with

individuals and I just was picking a brain and I was just this is be this is before we bought our

first property after we might have bought our next property and their after like just talking to

people gaining knowledge gaining valuable insight from individuals who who are doing what what it is

that you're looking to do yeah no absolutely and I just want to point out journey seen just in

case if you're just tuning in or maybe you've been here the whole time Jeff is a bank manager so if

I can have the bank manager tell me that he's willing to tune in listen seek information that means

you need to do the same thing okay he's surrounded with financial stuff every day all day dealing with

all the things related financially but that just I want to point that out because that goes to show

that nobody's too good to get information we all need information I as your coach I am always

seeking information I am always asking questions I am the queen of clarifying because I want to know

and I know I don't know everything and there's always opportunity for growth and expansion

and how do we grow how do we expand we gotta invest in ourselves but we also have to be willing to

like Jasmine mentioned put that pride to the side ask that person a question have a conversation

you know read a book read a podcast watch something that is going to be fruitful for you you know

we spent so much time scrolling every day okay and putting our energy into things that is really

not bringing value or benefit or growth to us so we have to start right there as of well of

many of places to just really start our our growth journey and getting to where we need to be

financially is there anything else that you want to add as a recommendation

let me see so I talked about starting in the mind and I also talked about making making connections

and so the the the third thing that I would say is take action yes like be willing to take the first

step be willing to this is cliche but bet on yourself in some sense like at some at some point

you have to be action oriented at some point you have to take the first step and the first step

might be just simply walking into the bank and saying hey I'm interested in xyz or the first step

may be I need to get my credit together right like like really really simple things the first step

might be going on to free credit report calm and saying okay it's time for me to get my stuff

together right like so my point is simply just taking some some form of action like you had it in

your mind you started doing some sort of research put those things together and then take some

sort of form of action whether it's connecting with a banker whether it's connected with some sort

of financial planner whether it's connecting with Erica for some sort of coaching but take some

my point is to simply just take some form of action like to begin somewhere literally absolutely

absolutely take action journey team the time is now not tomorrow not later not 2027 right now we

need to start taking action but you know we we've had so much information and there's still more to

come but I want to remind you journey team smart money moves today not tomorrow not next week not

January 31st but smart money moves today will create generational wealth tomorrow and that is

what we want we want generational wealth we want to spread the wealth we want to share the wealth

but stay tuned because coming up next we're going to have more on financial planning and knowing

where to start you are listening to on the journey with coach Erica on 101 seven the truth

oh oh welcome back we are listening to on the journey with me coach Erica remember the

talk and text line is open at 833-212-1017 make sure you tap in share with a friend we're talking

financial planning today where do we start that's what we've been talking about we have our amazing

guest Jasmine and Jeff in the studio who's been giving us lots of great information but we're

going to continue on with that and this is what I want to say journey team I got two words for you

tonight just start just start that's it it's nothing else to talk about just start and as I mentioned

earlier on this journey to success we're talking where do we start with financial planning we're

going to just start and I want you to remember something else your financial situation your

financial profile is exclusive to you so you can't go talk to your mama your sister your boyfriend

your daddy because y'all got different situations so you're not going to get the right information

or right advice likely that you need possibly because your situation is exclusive to you and it's

going to look possibly different from the next person so you need to make the steps exclusively

for you that is needed on your own individual financial planning journey that's just my take on it

but some other closing tips that I wanted to mention when we talk about financial planning where

do we start number one find you aside hustle get you some extra income we always talk about what

we don't have but how do we input more so we can have more you gotta just start you have to take

action and make the move so you can have what you need so if that's a side hustle you heard

Jeff talk about the TV mountain hey we not knocking side hustles but I will say I'm talking legal

side hustles not illegal I'm be clear on that um but we talking side hustles get you some extra

income somehow we live in a world where anything is possible pretty much at this point is 2026

there's money to be made everywhere you can Uber you can do it as you can do whatever that looks

like that works for you but get you some extra income take the sacrifice we heard Jasmine

mentioned sacrifice you gotta be willing to sacrifice I sacrifice on a daily basis this is just a

part of the journey it's a part of the process let the pride go quit being prideful again

rags the riches we all have had rags at some point some of us got rags now let the pride go the

key to focus on is getting out of those rags and turning it into riches so let the pride go do what

you got to do eliminate your debt and again when I talk about exclusive financial profile I will

never tell a person oh you should only do this no do what makes the most sense for your financial

profile you may have enough debt where I'm like yeah you probably want to go talk to an attorney

and consult about bankruptcy that might make the most sense for you to just get a fresh start

or you may be in a position where okay I can do something negotiating I can take a couple months

and pay some things down pay it off it really just depends on your situation and I just want to

tap in on this about bankruptcy because I know it has like such a stigma oh my gosh I got a

file bankruptcy I'm just put it out here for the people don't be afraid to do what you got to do

do what you got to do that makes the most sense for you because it's not about what people think

about you or what they see in that moment it's about the fact that you're taking the steps

and securing for your financial future so you need to do what you got to do don't be afraid

and I'll just add this bankruptcy I filed twice I put that out there openly it has never stopped me

from getting anything that I wanted my life in fact after I filed bankruptcy I had more after

I filed than before I started so I'ma just let you sink in on that it will not stop you okay

eliminate unnecessary spending we do too much spending people go back and forth for me oh

coach Erica how do you expect me to do this and I I don't have enough money yes you do because

if I had to go back and look at your day or your week you were at somebody's fast food somebody's

happy hours somebody's mall the list goes on stop spending what you don't have stop spending above

your means take a break take a pause subscriptions I'ma pick on all you Netflix Hulu people guess

what your coach you come to my house I don't have not a subscription I don't have Netflix I don't

have Hulu I don't even know all the list the B to I don't have none of that I don't have cable

and I say that nicely I'm not picking on you guys in a bad way but I really don't have

subscriptions and I don't because in my personal opinion I feel like it's the waste of money

and although you may say well that's just $30 well guess what that $30 adds up over time

and I just personally feel my money can go towards something better so I don't have subscriptions

and some of you have subscriptions like Jim subscriptions and you don't even go to the gym cut

what you don't need okay let's be mindful of those things savings this is my big one

you got to have savings we all need an emergency fund everybody it doesn't matter who you are

you are going to have an emergency that arrives at some point in your life nobody is exempt from that

that is what you call life and you want to be prepared in the best feeling is when you can go into

your account and be like okay let me go ahead and handle that versus having to use a credit card

now you got to use alone now you have to contact a family member and feel shameful because you

had to ask them for some money okay we don't want you to be in that position we want you to be

in position for savings and my biggest take on savings is yes you can just start whether it's $5

$10 $20 just start I always tell people do you want traction or no traction traction makes progress

no traction makes no progress you have no movements so you have no savings no growth but if you

just start you will have traction and your savings will continue to grow over time and I want you

to be aware when I think of money when I'm coaching people and I'm doing workshops I always tell people

are you aware of what you got in your pocket right now are you aware of what's in your bank account

right now do you actually know what you have and we live in this world of swipe swipe swipe swipe

and the weekend has come and you didn't been out all weekend just swiping away living your best

life and now Monday coming you don't have no gas money that's a problem journey team

and this is what I mean by that you have to be aware you have to be aware because you need to know

what you have if you know what you have you know what you have to spend and not spend so we need to

be in tune with our finances and knowing what we actually have to spend that list goes on and on

and on and I can go on and on on my rant about when we talk about this financial planning where do we

start but that's just a few tips to give you some insight of where you need to start but before I go

any further I want to make sure I think Jeff and Jasmine for coming in on to the show out of your

busy schedules being able to talk to us I really appreciate you coming it's been a great

experience and hopefully will sometime in the future connect again on a different event or

whatever is happening in that moment so I just want to thank you for coming on the show

the other announcement um your coach has moved up a little bit in the world I'm on TikTok now

so if you are on TikTok go give your coach a follow I am also still on Instagram Facebook

LinkedIn Erica Odomjourney.com all of the platforms and I'm also on YouTube as well coach Erica

so go give your coach a follow and a subscribe I really appreciate that journey team I want us to be

tuned in and tapped in all year remember the time is now to just start to take action to be

aware to be in the know to be financial literate we are on the journey of leveling up we're on the

journey of scaling up we're on the journey of changing our thinking our mindsets this is time

the time is now not tomorrow not next week we're starting now journey team stop surviving and start

structuring your financial future right now just start until the next show I'll be back February 18th

I'm gonna check on y'all to make sure we just started I'm not letting up but we need to just start

and in the meantime go get you that extra income go get you that side hustle you hear the song

in the background I need you hustling every day I need you out here making moves every day we all

get the same 24 hours in a day the only difference is what you're doing with your 24 hours tomorrow

are you staying stagnant or are you making moves out here for 2026 because you're ready to level

up and you ready to scale up so journey team y'all stay safe out there until next show next month

February 18th be great keep hustling and stay blessed

the proceeding was a paid program advice and opinions expressed on the on the journey show are

solely that of the hosts or guests and not those of one on one seven the truth and good karma

brands Milwaukee LLC