The Get Ready Money Podcast

Accelerate Your Wealth Growth Now!

• Tony Steuer

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On this episode of The Get Ready Money Podcast, I spoke with Tanya Taylor, author, TedX speaker and Founder of Grow Your Wealth about changing the way we think about money and growing your wealth.

In this episode we discussed:

  • Dreams to Disability.
  • Every woman can take control of their money.
  • Don’t be fearful.
  • Why we need to shift our mind completely about our money stories.
  • Align our spending with our goals.
  • The importance of a safety net with the right amount of disability insurance. 

Tanya Taylor, CPA, MBA. With over two decades of helping people improve their financial lives, Tanya is on a mission to stop the cycle of poverty and build generational wealth.  She is an author, TEDx speaker, and the founder and CEO of Grow Your Wealth. This financial education platform empowers women to achieve confidence in managing their finances so that they can retire worry-free. 

Tanya infuses her knowledge from learning and teaching about wealth building, wealth with her 24 years on Wall Street in the banking and insurance industries. She has been featured in publications such as Business Insider and Black Enterprise, sharing her story from an undocumented immigrant as an impoverished Jamaican traveling to the U.S. alone at 16 to capitalizing on the opportunity to build wealth and changing the trajectory of her and her family’s lives.  Tanya’s core belief relies on the balance of wealth building and personal goals, in which she continues to jet-set the world with more than 60 countries visited.

Connect with Tanya Taylor: 


Books:

  • Broke to Wealth: How To Build a Strong Financial Foundation, Implement Effective Strategies, and Sustain Financial Growth (Amazon)
  • Broke to Wealth Companion Workbook: How to Build a Strong Financial Foundation, Implement Effective Strategies, and Sustain Financial Growth (Amazon)
  • Limitations To Limitless: Seven Proven Strategies to Protect Your Finances From Life's Curveballs (Amazon)
  • Your Roadmap to 850: The Ultimate 6-Step Guide to a Perfect Credit Score (Amazon)


Mentioned in this episode

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The Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.

Speaker 1:

Are you looking to get ready, be prepared and transform your financial future? Then you've come to the right place. This is the Get Ready Money Podcast with Tony Stewart, where Tony has insightful conversations with financial experts who are changing the way we think about money. Catch up on the latest financial trends and hear practical advice from Tony and his expert guests so you can build healthy habits that work, Be empowered with tips for implementing small changes that can have a big impact on your financial future. So sit back and get ready to hear from today's guest. So sit back and get ready to hear from today's guest.

Speaker 2:

Welcome to the Get Ready Money podcast changing the way we think about money. I'm pleased to be joined today by Tanya Taylor. Tanya is an author, tedx speaker and the founder of Grow your Wealth. In this episode, we'll be discussing Tanya's insights on how we change the way we think about money and growing our wealth. Tanya, welcome to the Get Ready Money podcast. Thanks for joining us today.

Speaker 3:

Thank you so much for having me, Tony. I'm looking forward to our conversation.

Speaker 2:

Yeah, me too. I'm excited to share your story with everyone. So you know, to start out, tell us a little bit about yourself. What is your origin story?

Speaker 3:

Yeah. So my origin story is that at 16, I left my homeland of Jamaica, grew up in very extreme poverty, one would say, and I had just finished high school. My parents didn't know what would happen to me after high school, so I got the opportunity to, came to America and so I ended up coming here. I was alone. I had $100. I was hoping someone in a family friend would allow me to stay with them, and they did allow me to stay.

Speaker 3:

But you know, being here as a 16 year old on my own, I had to navigate everything on my own and I knew I wanted to change the trajectory of my life. So I ended up going back to high school for a year and then going on to college. But one of the things that I observed when I came here was that everyone was sort of living, was living paycheck to paycheck. They had multiple jobs and that wasn't what I envisioned when I left Jamaica. I thought everyone was living a life of luxury and one thing that I told myself was that I really wanted to change the trajectory of my life and not live like that. So I wanted to have a career and I wanted to be able to help my family back home. So I ended up graduating college at 25.

Speaker 3:

It took me a little bit longer for various reasons, but by then I had also bought a home and also started a small business. And I just kept setting goals after that because I wanted to have a solid financial foundation where I feel like my children wouldn't grow up the way that I did. And I learned personal finance along the way. And as I learned, I began teaching people because I wanted to help them as well to get out of poverty and spent 24 years in corporate. But alongside that I was teaching personal finance and decided a little over three years ago maybe four years now that I just wanted to start my own business for your wealth and full time. Teach people, teach women in particular personal finance and learning to manage your money.

Speaker 2:

That's awesome. That's quite a journey. So, you know, one of the things you mentioned is coming out of poverty and I know that some of the people who listen to the show sometimes you know they feel, you know, like it's really hard to get started. You know they're living paycheck to paycheck. You know they may not be making much money is you know they're living paycheck to paycheck, you know they may not be making much money. Are there a couple quick keys that you can give them to inspire them, maybe to help them find their own way?

Speaker 3:

Absolutely, You're talking to the right person. So I've always believed in a budget, and the reason for that is so. When I came here at 16, I was making $75 a week and I had to pay my little rent out of it, send money back home to my family and just live. So I realized that I had to know where every dollar was going, Because that would be the only way for me to be able to and I couldn't. It's not like I could get into debt because I didn't have credit card able to, and I couldn't. It's not like I could get into debt because I didn't have credit card.

Speaker 3:

So one of the things that I always tell people, especially those who are struggling, is that having a budget is not a restriction, but it tells you exactly how every dollar is being spent and it tells you, it shows you patterns in your spending. So if you have a budget, you could see whether or not you're spending way too much on Uber Eats or on Uber rides or on subscription, and hone in on the things that's really important for you and that's usually your necessities. And also, I feel like we we no matter how hard life is, there's something that we enjoy, Right. So also to me that's a necessity. So finding that one thing that you say, okay, this is what I enjoy, this is what I'm going to splurge on, and do that and then cut out the other things that are not really meaningful to you or really things that is necessary for you to have, and you find that balance there.

Speaker 2:

Well, that's, that's awesome advice, and I think that's important for people to hear is that you don't have to cut out the things that really bring you joy. You just have to prioritize so you don't have to necessarily give up your daily coffee if that's something that brings you a lot of joy. So that's, I think that's good advice for people and I think you know hearing your story is important for people to you know, take to heart is that you're talking about knowing your resources and just being careful with your resources. So that's great advice. So you know you've also shared your journey. This is your TEDx Talks Dreams to Disability. Tell us a little bit about that. What is Dreams to Disability?

Speaker 3:

Absolutely so I view myself just the path that I took right. I felt like I did all the right things and I'll put that in quotes you know, building my emergency fund, building my retirement to seven figures, having a great career on Wall Street and I did make a decent income, you know, having a home, having passive income and I felt like I was at this good spot where you kind of go, okay, I got this. Was at this good spot where you kind of go, okay, I got this. And in 2021, august 2021, I was in the middle of making a decision. I had just had this firm recruiter called me and said hey, we have your dream job. Do you want to interview for it?

Speaker 3:

But while I was doing that, at the same time I had started my business and was deciding if I should leave my job at the Federal Reserve to do my business. And so I'm going through this sort of like decision making process and here I am, august 28, 2021, my daughter asked me to take her on an errand and bam, we're driving down the street, had a car accident and my entire world completely changed. And in those moments, which I am still going through right now, even though it's three years later, I realized that, as much as I thought I was prepared, there was so much that I was not prepared for both physically, mentally and financially. I had almost a year of emergency fund, and that was because I had planned to leave my job and do my business full time, but I had always kept at least six months probably even more in general, of emergency fund. What happened, though, is that when I had taken my short term disability from my job, I didn't have much left, so when I became disabled from the car accident, I had only two weeks of disability left short-term disability so the only thing that I had to fund my life and my lifestyle was my emergency fund, and I did have rental income, so passive rental income, but what ended up happening is my tenant decided to stop paying rent, my daughter became ill, and she had large medical bills that were not covered by insurance. I couldn't cook, so I ended up relying a lot on Uber Eats. So all the things that I felt like. I have my emergency fund. It will cover me, even though my short-term disability is sort of non-existent.

Speaker 3:

At this point in time, I realized that my expenses became so insurmountable that my emergency fund was depleting really really fast, a lot faster than I thought.

Speaker 3:

The saving grace, though and this is something that I anyone that's listening to this, I would encourage them to look more into is that I had a long-term disability policy from my job, but that doesn't kick in for six months, and that's mainly the case for most individuals, so, anyone who is listening to this, you want to find out from your job how long is it before your long-term disability kicks in, and even how long your short-term disability lasts.

Speaker 3:

One of the things that I had done to prepare myself, though, is that I had bought a supplemental long-term disability policy, because the long-term disability policy through my job only covers 60% of my income, and that is the case for most people, so the supplemental policy would cover the almost 40% remaining, and when I purchased it, it kicks in in three months, not six months, so I was able to, after three months being disabled, to apply for that supplemental policy, which was able to help me to finance my expenses, so I didn't get too deep into debt, and the reason I named my TEDx Talk Dreams to Disability was just to show you can be someone who thinks that you've had it all figured out, that you've had really all the scaffolding around you and risk managed everything, but one thing could really send you into bankruptcy.

Speaker 3:

And you know just being taking that extra precaution to prepare because even that supplemental policy most people don't realize that they could even get a supplemental policy and that is so critical. And most people also don't know what their long term disability through their job offers and if you're self employed, you definitely want to also have a supplemental long term disability policy to cover your income.

Speaker 2:

And that's what the TED talk was really about that's awesome and you know I'm so sorry that you went through that and I'm just thinking of your daughter and I hope that your daughter's doing well. You know that's so hard with your kids yes, it's really hard.

Speaker 3:

She'll get there eventually, I believe, but you know we're still. We're still both going through it that's yeah.

Speaker 2:

Unfortunately, that's life. So I wish your daughter the best, and you the best.

Speaker 2:

Yeah, because kids are always, you know, the bigger thing. But I'm really glad you highlighted the importance of disability insurance. It's something I've talked about a little bit on the podcast. I've talked about in my career that group long-term disability is not sufficient for the majority of people. It also has monthly caps on earnings and, as you pointed out, it has a percentage cap. And if most group LTD policies are issued on a pre-tax basis, which means that that's also cuts into your after-tax income, so there's a lot of things where you may think you have your safety net, but until you really get out there and review each of these things, you're not going to know for sure. And it sounds like you really had it set up. You knew the different tiers of your safety net and took each level and shored it up, and I think that's important for people. This is just. You know, it's not just 90 days of emergency fund, it's like you had a full risk protection program.

Speaker 2:

So when the worst thing happened. You had a multi-tiered approach and solution to address it, and that's pretty cool.

Speaker 3:

Yeah, and that was the whole idea. And even when I work with my client like clients, like those are the things that we talk about, right, like we want to risk manage whatever we have in place. We want to do certain scenarios Like what if this happened? What if this happened? And see how we can risk manage what we have and whether or not we can still survive on the resources that we have if these different things happen. Now, if you asked me, I would have never thought like the bottom of the bucket would come falling off, because it just felt like everything that could have just hit me just hit at the same time. And you know, like, even though I didn't fully plan for all of them to hit at the same time, at least I was able to adjust right, like, okay, this happened.

Speaker 3:

Now let me go back to my budget, because I have my budget and I know what's inside of, and maybe I need to adjust this, maybe I need to adjust that so that I'm not going deep into debt. And I did end up going taking on debt because the expenses were just so enormous, but there was this window where I got some funds in. So the first thing that I started to do was to shore back up my emergency fund and also pay off some of those debt. So there are those times, too, that you don't want to be in debt, but you have to take on that strategically, because I also did not want to use up all of my cash that I was getting in just in case. So those are some of the things that needs to be negotiated too, as you're thinking through.

Speaker 3:

Okay, if I become disabled, what do I do? And I like that. You explained the long-term disability a little bit more than I did, and the other piece that listeners should know, too, is that your medical benefits is also deducted from that long-term disability benefit too. So technically, even if it covers 60% of your income, by the time they take taxes out and they take the medical benefits deduction from it we're talking about, you'd be lucky if you're getting 40% of your income after all those deductions.

Speaker 2:

Yeah, and those are some of the things you know that impact group disability but don't impact individual disability insurance, which is what's used to supplement it. And people are oftentimes surprised at the premiums for individual disability insurance. But that's exactly why is because it does provide this coverage. It's not provided elsewhere and the insurance companies do know how to price their coverage. If they think they're going to be paying out a premium, they are going to charge you appropriately, whether you like the premium.

Speaker 2:

But I was wondering if you could define something for us, because you know, we hear the term Federal Reserve and people think, oh, the Federal Reserve is doing this and Federal Reserve is doing that. But if you ask the average person they're all like what is the Federal Reserve? They're not gonna know. So could you just give us a quick definition of what is the Federal Reserve and what do they do?

Speaker 3:

Well, the Federal Reserve does so much, but it's sort of like the Bank of the United States and it sets monetary policies, but it also regulates the regular commercial banks and I'm really simplifying what they do because there's so many other things that the Federal Reserve does. But, yeah, it regulates the banks and it's the Bank of the United States. So, like when interest rate is, decisions are going to be made. There are some, you know, discussions within the Fed which people are always asking me are they going to increase interest rate? And I'm like I don't work in that department. I have no idea what's going on?

Speaker 3:

And even if I did, I couldn't say. But even with things like making decisions, like some of the things that I was working on before I left the Federal Reserve was climate change, climate justice. What does that look like? What does that look like for things? There are insurance companies that are, let's say, in Florida. They're no longer insuring a lot of homes. What does that look like? What kind of policies can regulators set in order to force whether it's insurers? They really regulate banks, though. I just want to be clear on that. But from a climate change perspective, just like, are there regulations that we could put in force where companies not just insurance companies and banks, but companies are abiding by certain policies so that they're trying to make for a cleaner, more efficient earth and then just making sure that banks remain stable and not we don't have something like what happened before, where all those banks folded. So the Federal Reserve does a lot of those things. It's really there to ensure that our economic engine of the country runs effectively and that banks are not failing.

Speaker 2:

That's awesome and I appreciate that, because I think people get so focused on, like you said, is everybody's talking about well, what is the Federal Reserve going to do about interest rates? Well, that doesn't even impact most of us and that's actually a very small part of the job that the Federal Reserve does, so that's great. I appreciate the definition on it. So you know, you created something called the One Million Strong Movement. What is the One Million Strong Movement?

Speaker 3:

So my goal is to the people that I work with is mostly female, professional women, and my goal is to empower at a minimum 1 million women to become more confident in managing their finances, because what we have found is that most women shy away from personal finance, and I cannot tell you how many clients I've had come to me and the just like the fear, the idea that, oh my god, I even just as simple as creating a budget, let alone talking about investing. There's this deep fear in them that they feel like they cannot do it, and so my goal is to help every woman to know that they can take control of their finances, they can effectively manage their finances, they can learn to invest in the stock market and they can plan for retirement. And yeah, I just. I'm on a on a mission to ensure that women feel confident, and I must say these are women across all different income, demographics and and also all across different races as well, where there is just this fear that they can't do it because it's money and money is scary.

Speaker 2:

Yeah, and for people watching and listening to the show. You know that I've had on a lot of guests who've talked about this issue and that it's especially challenging for women. You know to do it, so I'm glad that this is another resource, because I think women so often feel that you know that they're behind on this or that they're intimidated because it is a very male dominated industry. So that's, that's awesome.

Speaker 3:

Yeah, and the scary thing for women too, which the stats are out there, but you have more and more women heading up house, single family households, and they need to understand how to manage the money. And then you have women who are out living their husband. Sorry, guys, but this is just statistics. So so, when you have those two things right, it's important for a woman to understand how her money works so that she could start putting money away for retirement. If she's going to outlive her husband, she needs to know how she's going to survive beyond her husband, and she needs to have certain things in place, because even things as simple as getting a life insurance policy what kind of policy should I get? What happens if something happens to my husband? First, you know, just very basic or things that we may consider to be very basic things to to help you in terms of risk protection. And then other things like okay, I have a job and I want to invest. I don't want to keep my money in an account earning me 1%, and this is the real story.

Speaker 3:

I had a client in her 30s whose money was in an account earning her either one or 2%, and when I asked her, like why wouldn't? Why didn't she put it in like other investments that her company offered? And she was like I was just afraid to lose it. And then I had to explain to her that if it's 2% let's say it was 2% it's going to take her 36 years for each of those dollars to double. Therefore, when she retires at 72, the dollar that she invested at 36 will just have doubled. And empowering her with the tools so that she felt confident enough to go out there and say, okay, I've moved my money into this, now you know, and not be so fearful that she's going to lose all her money.

Speaker 2:

That's. That's powerful. Don't be fearful, because you know you can take on some risk as long as you do it well. And I think for women this is especially important because you have the gender pay gap, you have the racial pay gap you have. Then, as you point out, women live longer, so they're going to have less money in retirement, but they have to make it last longer, correct, you know, for women the financial education becomes even more important because of those factors, absolutely. So that's awesome and I love what you're doing. So let's get into the get ready questions. These are questions that I ask every guest. They're a little bit more quick fire questions. The first one is what basic money concept do you wish people knew?

Speaker 3:

Compounding. And compounding is where you earn interest on interest, and I feel like it's important. Is it just one answer and done, or should I continue?

Speaker 2:

You can continue, that's fine.

Speaker 3:

I feel like it's important for two reasons. If you have debt and the debt is compounding, it's going to multiply so much that you'll never be able to pay off the debt, and if you are investing in its compounding, you're going to watch your money grow so fast. So either way, it's a lose-lose on the debt side and it's a win-win on the investment side. But if you don't know this, you don't know how to take advantage of it.

Speaker 2:

Yeah, that's one of the most popular answers on the podcast is compound interest. So for people watching and listening, this is just another guest mentioning compound interest and, as some of you may know is we did a special episode just about compound interest that I'll link to in the show notes. So I'm glad you brought that up, because that, for me, is the number one answer, so that's awesome. So the next question is what is one habit that people can change when it comes to their money?

Speaker 3:

Yeah, know how much they have coming in and how much they're coming out, which means tracking their spending.

Speaker 2:

I love that. Track your spending. It's so valuable to know your resources. I know you talked about it earlier, but that's important. If you don't know, you can't make any decisions. You're flying blind. When you drive on a trip, you check how much gasoline you have before you leave, so it's important to know how much money is in your tank when it comes to your money. So, tanya what money myth are you trying to break?

Speaker 3:

I'm going to go with the trading one Like you could make like a thousand dollars a day or two thousand dollar a day if you could just go and start trading. Um, I think that more and more people are getting into that, are believing that myth because they want to make money fast and traders actually lose more than they gain. And I think it's important for people who are thinking that they can go make money really fast in trading that it just doesn't happen as fast as they think.

Speaker 2:

I love that. As you know, my son is just became an adult and we were talking about that, and he was talking about, you know how a couple of his friends were buying certain stocks and I go well, think of it this way. I go, think of it like you're playing basketball. You're going to play basketball against a professional who. That's all they do all day. They're trained to be a professional basketball player. They're one of the best in the world. They've gone to school to be a professional basketball player. Do you think you could be a professional basketball player in a game of one-on-one? And he's like, no, I go. Do you think you'd even score a point? And he goes well, maybe not. And so I go. And that's a way to think about the trading is you're working and it's people. I mean, that's all they do all day. They have the most amazing resources. You know they've gone to school.

Speaker 2:

Yep, that's who you're competing against Yep. Yep, what's the saying? You know that, oh gosh, you know that on every trade there's a person selling and a person buying.

Speaker 3:

Yeah, I don't know if you remember that saying, but I don't know if you remember that saying, but I don't know the saying no, that there's a person selling and a person buying. I mean that is the reality of every trade, though, and you always. Everybody wants to win at the same time, too, and there is going to be a winner and a loser.

Speaker 2:

Yeah, I have to look up, try to look up that saying, but it's essentially just what you said is that when you're buying a stock, there's somebody selling it and they're selling it for their very own reasons, you know, which are not going to be the same reasons that you're buying it. And they may know more than you know.

Speaker 3:

Yeah.

Speaker 2:

And that's why they're ready to sell. So that's awesome advice. And that's why they're ready to sell. So that's awesome advice. What is one simple thing people can do each year to set themselves up for financial success.

Speaker 3:

This is something that most people don't do, and I always say it doesn't matter what your income bracket is. Get a tax advisor. Talk to them before the new year starts. You could be making $20,000 a year, or you could be making $200,000 a year, because that tax person can really help to guide you with making certain decisions that you need to make. Most people overlook that and they go to their tax person just at the end of the year, and that's not the best decision.

Speaker 2:

Definitely.

Speaker 3:

Financial wise.

Speaker 2:

Yeah, so here's the second part to that question, and I think you got to it Is tax planning for everyone.

Speaker 3:

It is. It is because someone who makes $20,000 or $30,000 may say I don't need a tax advisor because of X, y, z, right. But you take that same person who maybe they're not ending up paying anything in taxes, but they're having a lot of money coming out at the beginning of the year and they're getting into debt If their tax advisor sit with them and say, look, you're not going to have any taxes at the end of the year.

Speaker 3:

You need to set your W-4 form like this Put this on your W four form. Even something as simple as that. It doesn't have to be in depth tax planning for that person. It could just be as simple as what does your W four look like? How much can we put in your retirement? Because you're you're not putting anything now, but maybe if you do this, we could put a little bit of this. And then for someone who makes a lot, for obvious reasons, there are so many strategies that can be put in place to ensure that you're keeping in your pocket as much as you legally can.

Speaker 2:

That's awesome. And just a quick word, the W-4 is your withholding calculator, and most employers have a withholding calculator on their employee benefit portal on their employee benefit portal. The IRS has one on their website and, despite the IRS's reputation, they do have some really good resources on their website, so I'd encourage you to check out I'd actually encourage you to check out the IRS website as a resource.

Speaker 2:

But I'll put a link to the IRS W-4 calculator because that is such an important thing is to check your withholding every year. So, tanya, let's get out the time machine. Now We'll go back to 16-year-old Tanya. What advice would you give your younger self if he could go back in time, knowing what you know now about money?

Speaker 3:

Wow, that's a really good question. I would. I guess I would probably start investing earlier. Yeah, because of compounding that word is like the magical word I think I would have started investing earlier because I did have a budget and I didn't have debt. So I can't really speak to those things. But I also didn't know about investing and I feel like if I knew enough about it and I started earlier, then I could have retired. I could retire earlier than my planned retirement. So I think that's the one that I'll stick with.

Speaker 2:

That's cool and that's great advice and again, viewers and listeners you've probably heard this from other guests is there's a reason. As you point out, compound interest helps you starting early but, as you point out, part of it was you didn't know about investing, so part of it is you have to listen to this podcast is a great first step. Reach out to people you hear on the podcast, like Tanya, and follow them. Learn about these things like saving and investing, so that you can do it yourself. So, tanya, on that vein, what is your number one absolute go-to favorite money resource for yourself, whether it's a podcast, book, newsletter app or website?

Speaker 3:

So I go on MarketWatch a lot and I also go on CNBC. I always confuse both of them the money one, cnbc, but I consume. I'm like a personal finance junkie, to be quite honest with you. There's another site that a lot of the materials used to be free, but not as much anymore, and that's Motley Fool, but there's also nerd wallet. There are like so many different websites out there that you can get so much information, whether it's just for budgeting or if you want something more towards gear, towards investing or retirement.

Speaker 3:

I would also say don't underestimate even websites like the Charles Schwab's and Fidelity, because you can also get certain information. I must caveat that by saying I'm usually logged in, so perhaps you have to be, you have to have an account. I'm not 100% sure, but you know those are all sites that I go to to consume personal finance information. And then there are so many podcasts I couldn't even begin to name them, but you know just you can just go in and just search personal finance podcast. The thing that I like about podcasts is that you get to hear real people share real stories and share, like real money, tips and things that you could just kind of take away like oh, I never thought of that. Maybe I can do that instead, because this person was able to do it definitely, definitely, and I've interviewed a lot of different podcasters on this app.

Speaker 2:

so you know, uh, on this podcast, you can go back through and listen to some of the old episodes and check out the podcasters and find the podcasters that resonate with you Because, like you said, they get very personal. So you have to find somebody who's aligned with who you are as a person, with your mindset and your values. And those are great suggestions for websites. I'll put all of them in a show notes so people can check them out. So, to wrap up, tanya, what is your number one tip on changing the way we think about money?

Speaker 3:

Mindset, and that wasn't something I talked about initially, but I really believe that, in order for us to change our thoughts about money, we have to shift our mindset completely with the stories that we grew thoughts about money. We have to shift our mindset completely about, with the stories that we grew up about money, scarcity of money or, you know, I can't make enough, or whatever the case is, because once we shift our mindset, we can now start making goals and then, once we make the goals, our spending will align with those goals. And I found with the clients that I've worked with, once we do the mindset work, like everything just starts lining up because now they're ready to go like, oh my goodness, I can't do this, so so yeah.

Speaker 2:

That's awesome. That's great advice. I love it. You know, shift your mindset and think about your money stories. As you talked about, money stories are a big part and once you deal with that is you can move forward, as you point out, because that's a blocker.

Speaker 1:

That keeps you from achieving your goals.

Speaker 2:

So that's, that's awesome advice. Well, tanya, where can people find out more about you and connect with you? Pick up a copy of your book and check out what you're up to.

Speaker 3:

Yeah, so thank you for asking. My website is growyourwealth, with the number 10 and X at the endcom, and I'm also on LinkedIn at Tanya Taylor, cpa, mba. That's the easiest way to find me because there's so many Tanya Taylor and I'm also on Instagram at growyourwealth10x and I have two books that I wrote that are on Amazon. One is called I actually have them right behind me here Broke to Wealth, and this is really for someone who, if you're starting out or if you have some financial knowledge, it's excellent. I've had teenage college students and 65 year olds says this book has really helped them.

Speaker 3:

And then this other book, limitations to limitless, is one that I wrote after I had the car accident and went through the entire process of what happened to me how to file claims, some of the things to look out, for it's a very, very complex process if you ever get become disabled.

Speaker 3:

So it walks you through how to prepare and then what happens if you ever get become disabled. So it walks you through how to prepare and then what happens if you do become disabled. So I always say to people it's not a book that you get after you're disabled, even though it will help you, but it's a book that you get to prepare yourself, so that you you know, if something unfortunately were to happen, you are prepared. And I would love for people to check out the TED talk because I think it's very impactful and when people listen to it, you'll often hear oh my God, I never thought about having that supplemental long-term disability, I need to go get it. And if that's one thing that you could take away from the TED Talk after you listen to it, then I want you to do that so that you can be prepared.

Speaker 2:

That's awesome. Well, thank you so much for your time and for sharing your insights today on the Get Ready Money podcast.

Speaker 3:

Thank you so much for having me. It was a pleasure.

Speaker 2:

Yeah, this is a lot of fun and, as always, thank you everyone for tuning in to this episode of the Get Ready Money podcast. If you learned something today to change the way you think about money, please be sure to subscribe and to tell a friend. Until next time let's change the way we think about money. Thank you.

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Tony Steuer

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