1 00:00:00,029 --> 00:00:03,391 I was spending. A big spender. Money was coming 2 00:00:08,135 --> 00:00:11,457 Obviously having you as a mentor and walking me through some strategies on 3 00:00:12,498 --> 00:00:15,760 It's not also about not spending, is it? Because you spend money still, but 4 00:00:23,106 --> 00:00:26,708 I think it's the fear. The fear of the unknowing. The fear of getting uncomfortable. 5 00:00:29,170 --> 00:00:32,953 Do you think the strategy is complex? No. I'm Lloyd James Ross, seven-figure 6 00:00:32,993 --> 00:00:36,255 investor and entrepreneur, and I've helped thousands of business owners and 7 00:00:36,295 --> 00:00:39,518 professionals turn financial stress into success. If 8 00:00:39,538 --> 00:00:42,880 you're stuck in old money habits, overwhelmed by investing, or unsure where 9 00:00:42,920 --> 00:00:46,223 to start, this is for you. I'll give you the mindset and 10 00:00:46,283 --> 00:00:50,046 strategies to take control, grow your wealth, and achieve financial 11 00:00:50,146 --> 00:00:53,248 freedom. It's time to make your money work for you. All 12 00:00:53,268 --> 00:00:56,950 right, welcome to this very special episode of the Money Grows on Trees podcast. 13 00:00:57,050 --> 00:01:00,351 I'm joined by a very, very, very special guest. You're going to love this 14 00:01:00,411 --> 00:01:03,852 episode. She's flown in all the way from 15 00:01:04,233 --> 00:01:08,614 Canada. And by that I mean Canada. So yeah, 16 00:01:08,675 --> 00:01:12,096 30 hours to get here. We just came off the back of a wonderful event together. 17 00:01:12,476 --> 00:01:16,038 She's now actually a big part of our team. But most importantly, 18 00:01:16,078 --> 00:01:19,219 she's here to share her journey of how she got 19 00:01:19,259 --> 00:01:23,582 her money under control. And it's none other than Melissa Corciato. 20 00:01:24,242 --> 00:01:27,566 Thanks, Lloyd. Good to be here. Great to be here. It's wild that you're in the studio. Absolutely, 21 00:01:28,446 --> 00:01:31,629 We've known each other for just a bit over three years. Yep. 22 00:01:39,171 --> 00:01:42,972 So you come all the way to Australia and we pull you into a studio. Yet 23 00:01:42,992 --> 00:01:47,253 to see a kangaroo, but that'll change today. Excellent. So welcome. 24 00:01:55,519 --> 00:01:59,003 We like to have some fun. So we 25 00:01:59,043 --> 00:02:02,487 just came off the back of an event together these last two days. We had our elite student 26 00:02:02,507 --> 00:02:06,051 event which we were able to fly in for which is awesome. And 27 00:02:06,091 --> 00:02:09,956 so now we are in the studio and I would love to unpack for 28 00:02:09,976 --> 00:02:13,679 the audience to share with them the lessons you've learned on 29 00:02:13,939 --> 00:02:17,102 shifting your entire money, I would say 30 00:02:17,202 --> 00:02:20,365 philosophy, your wealth philosophy, since being with us 31 00:02:20,385 --> 00:02:23,968 for the last three years and how that's impacted your life. So 32 00:02:23,988 --> 00:02:29,232 I'd love to share that with them, if we can impact that wisdom. Because you're 33 00:02:29,252 --> 00:02:33,110 the first Canadian student on the show. ever, 34 00:02:33,150 --> 00:02:36,693 which is cool. So I want to go back and 35 00:02:36,733 --> 00:02:40,256 begin with what was life like 36 00:02:40,336 --> 00:02:43,679 before we got to know each other, before you came into 37 00:02:43,759 --> 00:02:46,841 our circle, into our realm. So go back and 38 00:02:46,861 --> 00:02:50,084 tell us a little bit about who Melissa is, what life was like, what you 39 00:02:55,438 --> 00:02:58,680 Prior to meeting you, I thought life was good. I thought 40 00:02:58,741 --> 00:03:02,984 life was smoothing along. Things are going great. But 41 00:03:03,024 --> 00:03:06,286 it wasn't until I started being 42 00:03:06,306 --> 00:03:09,529 in your circle, being in your realm, seeing other 43 00:03:09,569 --> 00:03:12,891 people and coaching other people where I actually 44 00:03:12,931 --> 00:03:16,394 had to look myself in the mirror and be like, holy man, 45 00:03:17,135 --> 00:03:21,298 I do have issues with my finances. Things aren't perfect. And 46 00:03:21,538 --> 00:03:25,033 that's when I realized that I actually needed help myself. seeing 47 00:03:25,073 --> 00:03:28,617 my clients go through the process and changing their mindset, changing 48 00:03:28,637 --> 00:03:33,061 their behaviors, changing their finances and getting results. I 49 00:03:33,081 --> 00:03:37,124 needed to take control of myself and my finances because they're 50 00:03:40,307 --> 00:03:43,430 Out of control is just not being mindful of what I was doing with my 51 00:03:44,772 --> 00:03:48,095 I was spending. A big spender. Money was coming 52 00:03:50,148 --> 00:03:53,249 So what things, like what, well, firstly, why, 53 00:03:55,809 --> 00:03:59,450 I think it's just, it was happening because 54 00:03:59,470 --> 00:04:02,611 of how I grew up and growing up 55 00:04:02,651 --> 00:04:05,892 with nothing and not having money to go out and spend, not 56 00:04:05,952 --> 00:04:10,433 having money to go out and buy things for myself restricted 57 00:04:10,473 --> 00:04:13,693 me. And then all of a sudden I have money now and 58 00:04:16,741 --> 00:04:20,003 Right, so you had no real control mechanism on it. What are some of the things you spent 59 00:04:21,364 --> 00:04:25,187 Clothes, vehicles, side-by-sides, you 60 00:04:27,008 --> 00:04:30,210 So for those non-Canadian or non-North American listeners, a 61 00:04:33,172 --> 00:04:37,135 Is an off-roading machine that's 62 00:04:39,215 --> 00:04:42,417 It's like this cool off-road like Polaris buggy. We went in 63 00:04:42,497 --> 00:04:46,020 one when we were in Canada. We drove one. A friend of ours had one and they're 64 00:04:49,382 --> 00:04:52,624 Actually I asked him when I was like, how much are they? And he said it's like 65 00:04:53,005 --> 00:04:56,147 Yeah. And it was like we always had to have the next best thing, the 66 00:04:56,327 --> 00:05:00,230 next best thing. So as soon as it got old, well we needed to purchase something new 67 00:05:04,639 --> 00:05:08,000 I don't know. I think it really goes back to again, not 68 00:05:10,701 --> 00:05:14,402 Sure. So you had this like, it's like when you, you 69 00:05:14,422 --> 00:05:17,864 first discover alcohol in your teens, you're like, yes, I can drink a beer. And 70 00:05:17,884 --> 00:05:21,605 then you have no like gauge orders to how many you should have. You 71 00:05:21,625 --> 00:05:24,866 learn the lessons. So, okay, cool. All right. So what 72 00:05:24,886 --> 00:05:28,407 else is going on with your money? Like besides the spending thing, what, what 73 00:05:28,587 --> 00:05:31,989 else, what other habits and behaviors had you picked up or that 74 00:05:34,264 --> 00:05:37,485 I think not looking at my finances, so not looking 75 00:05:37,505 --> 00:05:40,985 at the bank account, not auditing, not being 76 00:05:44,126 --> 00:05:47,606 So those behaviors as you had them going on, like 77 00:05:47,646 --> 00:05:51,007 getting the best new thing and not looking at your bank statement and 78 00:06:08,485 --> 00:06:12,046 I could venture with my family, go on trips, travel. Come 79 00:06:14,287 --> 00:06:17,507 OK. And what other things? Like, what else was, like, when 80 00:06:17,547 --> 00:06:20,928 you went, oh, I can see where my gaps 81 00:06:21,028 --> 00:06:24,229 are here, why, like, what 82 00:06:24,269 --> 00:06:27,450 could you see unfolding if you didn't fix the gaps? So 83 00:06:27,490 --> 00:06:30,871 besides not being able to travel and take your family on vacations and stuff, was there anything 84 00:06:31,863 --> 00:06:35,727 I would have been never be able to retire. I wouldn't 85 00:06:35,747 --> 00:06:39,630 be able to have anything for my children for going to school or nothing 86 00:06:39,670 --> 00:06:43,254 to live on because I had no pension. I had no emergence, 87 00:06:52,290 --> 00:06:56,013 In times, yeah. If something broke down and we needed to fix it, pull 88 00:06:58,275 --> 00:07:01,518 Right. So, and what impact did that have, having the credit card 89 00:07:06,343 --> 00:07:10,026 And so, you got two boys, you're married with two boys, two young 90 00:07:10,046 --> 00:07:13,249 boys, so you're a mom. And 91 00:07:13,309 --> 00:07:16,952 tell us a little bit about like what you do for work and how that had an impact on 92 00:07:17,918 --> 00:07:21,279 I'm a success coach. Um, I do make really good money 93 00:07:24,199 --> 00:07:27,380 In sales. Yeah. So just allow me to spend more 94 00:07:27,400 --> 00:07:31,761 money because I was making lots of money. So I spent it. Um, 95 00:07:35,762 --> 00:07:39,302 No, like what, what are you, so like if we, if we go back, so you're a mom, tell 96 00:07:39,342 --> 00:07:42,583 us a bit about who you are. Like we need to, I want to know, 97 00:07:42,623 --> 00:07:46,044 I want the audience to know like who is Melissa and why 98 00:07:48,382 --> 00:07:53,625 So a mom of two boys, success 99 00:07:53,665 --> 00:07:56,946 coach, passionate about health and wellness. I'm a 100 00:07:56,986 --> 00:08:01,989 bodybuilder, I compete, really 101 00:08:02,009 --> 00:08:05,431 value my family and just 102 00:08:08,152 --> 00:08:11,374 Yeah. So you're a bodybuilding competitor, right? Yes. Like 103 00:08:12,554 --> 00:08:16,036 Yeah. So you have discipline in that area. Did 104 00:08:19,808 --> 00:08:23,155 Not always. Not until probably 105 00:08:24,577 --> 00:08:27,919 Okay. And so what, what, what did you discover in that moment 106 00:08:30,861 --> 00:08:34,944 Yeah. Because how you, how you approach your health is 107 00:08:35,684 --> 00:08:39,027 not always, but mostly how you approach everything else. Right. 108 00:08:39,067 --> 00:08:42,189 Because would you agree to have, to have a good body, to 109 00:08:42,229 --> 00:08:45,631 be healthy requires discipline, like not eating the wrong foods 110 00:08:45,651 --> 00:08:48,833 too much and working out, et cetera. Massive. Right. So what happened to 111 00:08:53,456 --> 00:08:56,539 Coming up from an addiction. and being in a 112 00:09:02,182 --> 00:09:05,484 That's when I decided to change. And I decided to 113 00:09:12,067 --> 00:09:15,789 Eating healthy, looking after my body, working out, fueling 114 00:09:23,095 --> 00:09:26,518 So stop drugs, was 115 00:09:26,558 --> 00:09:29,880 it drugs you're addicted to? Okay, so drugs, you started 116 00:09:31,021 --> 00:09:34,443 eating better, looking after your body and then the impacts 117 00:09:35,444 --> 00:09:38,967 Feeling better, got my family back, got 118 00:09:40,668 --> 00:09:43,830 And so you hit rock bottom in your health and then 119 00:09:43,850 --> 00:09:47,152 you fixed it. Was there a time where you felt you hit rock bottom 120 00:09:49,134 --> 00:09:52,754 Yeah, two times back in 2008. When 121 00:09:52,774 --> 00:09:56,236 I had to claim bankruptcy, that was rock bottom, 122 00:09:56,676 --> 00:10:00,559 handing over everything and being a failure in my 123 00:10:00,599 --> 00:10:03,861 finances. And then got my credit back up, 124 00:10:04,341 --> 00:10:08,343 built my credit back up and kind of went rock bottom again because my 125 00:10:08,383 --> 00:10:11,885 patterns and my habits with my spending didn't change. 126 00:10:18,854 --> 00:10:22,395 who failed once before, you can fail 127 00:10:22,736 --> 00:10:26,877 But what impact was that having on your life, being bankrupt or 128 00:10:28,198 --> 00:10:31,819 It was like an impact because I've already done that with my body 129 00:10:31,839 --> 00:10:35,001 and my being an addict for so long. It was almost like being 130 00:10:37,462 --> 00:10:41,123 And so what was the story you're telling yourself? Like I'm bankrupt? The 131 00:10:55,080 --> 00:10:58,383 And what about going bankrupt and then hitting rock bottom financially again? Like, 132 00:10:59,303 --> 00:11:02,386 what were you, were you seeking answers? Were you wanting to get out of 133 00:11:02,406 --> 00:11:05,708 it? Were you wanting to live a different life financially? Like with more 134 00:11:05,768 --> 00:11:09,111 money, is there anything you had on your, in your mind? Like, I really 135 00:11:09,131 --> 00:11:12,253 would love to do this, but because I have claimed bankruptcy and I can't get 136 00:11:12,273 --> 00:11:15,836 control of my money, I can't do those things. Was there ever that conversation? 137 00:11:21,909 --> 00:11:25,271 just something inside of me changed that there is more to life 138 00:11:26,132 --> 00:11:29,575 than being a failure. There's more to life than hitting rock bottom. 139 00:11:32,697 --> 00:11:35,859 So what are some of the things, once we met, what 140 00:11:35,899 --> 00:11:39,222 are some of the things that you wanted to do but you couldn't because you didn't have the finances 141 00:11:39,960 --> 00:11:43,322 I was thinking like there is so much more 142 00:11:43,362 --> 00:11:46,965 to life and I know that people can change and 143 00:11:46,985 --> 00:11:51,028 I've seen it in people with their finances. I've seen it in myself with 144 00:11:51,388 --> 00:11:54,710 becoming clean and changing and not going 145 00:11:54,770 --> 00:11:57,992 back. But it wasn't like that with my 146 00:11:58,052 --> 00:12:03,236 finances because I kept going back. But I think seeing that 147 00:12:03,256 --> 00:12:07,058 you can change in your health but you can also change in your finances as 148 00:12:12,708 --> 00:12:16,029 Like watching you and Alicia and your life and what you guys 149 00:12:16,069 --> 00:12:19,752 do and how happy you are and where you get to go and there's 150 00:12:19,792 --> 00:12:23,354 no stress, there's no financial strain, 151 00:12:26,856 --> 00:12:29,977 Yeah right, so you saw this vision of like hey well maybe if I have all this in 152 00:12:30,017 --> 00:12:35,039 place and it's I can utilize it more effectively. So 153 00:12:35,359 --> 00:12:38,901 tell us, what are some of the things then, like so you've discovered this, 154 00:12:38,921 --> 00:12:42,242 you're like, I want this. And then what are some of the steps you took 155 00:12:46,543 --> 00:12:49,624 I started working on myself, on 156 00:12:52,305 --> 00:12:55,666 Getting to the root cause of why I've spent money, 157 00:12:56,146 --> 00:12:59,968 where that originated from, why I needed 158 00:13:02,930 --> 00:13:07,875 Because it fulfilled me, because I never had it when I was younger. But 159 00:13:09,237 --> 00:13:12,720 So when did your mindset flip? When you were working on your mindset, what 160 00:13:12,800 --> 00:13:16,324 thing did you do that went, okay, I'm now ready to shift 161 00:13:16,885 --> 00:13:20,108 I think just looking back to my past and seeing all the patterns and seeing all, 162 00:13:20,349 --> 00:13:23,694 nothing was changing. and I knew I needed to 163 00:13:23,734 --> 00:13:27,396 change it, just like I changed it with my health and becoming 164 00:13:30,857 --> 00:13:34,679 Great, so what's the first step you did to change? The practical, tactical 165 00:13:34,759 --> 00:13:37,860 step in your finances that you recall, okay, this is 166 00:13:37,900 --> 00:13:41,361 a practical step. So you got your mindset going, hey, I'm aware, because 167 00:13:41,381 --> 00:13:45,283 awareness is the first step of transformation, so now I'm aware of these patterns, I 168 00:13:45,343 --> 00:13:49,358 now see a juicier life that I wanna get to, Tactically, 169 00:13:49,859 --> 00:13:53,200 physically, what did you then do to start 170 00:14:05,327 --> 00:14:08,508 Because of all the outgoings, all the debits, all the debits, all the debits and 171 00:14:12,568 --> 00:14:15,653 So then what did you do when you looked at it? Okay, lots of debits, lots of 172 00:14:15,713 --> 00:14:18,897 outgoings. What was going on then? What did 173 00:14:19,758 --> 00:14:23,183 Then I realized I needed to cut back and I just start saying no to 174 00:14:27,665 --> 00:14:30,806 And no to my husband. That 175 00:14:30,846 --> 00:14:35,448 was hard because as a mom, you want to give your kids everything. 176 00:14:36,628 --> 00:14:40,610 But at the same time, it's not teaching them anything either because they're 177 00:14:44,711 --> 00:14:47,892 So you made a decision, you're like, you know what, I'm just going 178 00:14:47,912 --> 00:14:51,513 to start saying no more. And 179 00:14:53,496 --> 00:14:57,438 The spending stopped. More money was in the account. There 180 00:15:03,581 --> 00:15:07,884 Then I started paying myself first. I 181 00:15:07,904 --> 00:15:11,606 started putting money aside for an emergency fund. I 182 00:15:11,626 --> 00:15:15,588 learned how to invest, where to put my money. I 183 00:15:18,191 --> 00:15:22,173 Yeah. So let's go recap the steps. So you looked at your bank statement. Awesome. 184 00:15:22,673 --> 00:15:25,815 Too much going out, not enough coming in or some coming in, not too 185 00:15:25,835 --> 00:15:28,976 much going out. So say no more often, bup, bup, bup. You put a 186 00:15:29,036 --> 00:15:32,138 plug in the hole. You kind of plug the hole in the boat. So it 187 00:15:32,158 --> 00:15:35,219 stops sinking. And all of a sudden, bup, bup, bup, money starts appearing in 188 00:15:35,240 --> 00:15:38,481 the account, right? Yeah. Then you said emergency fund. Why 189 00:15:39,402 --> 00:15:43,063 Because if I have an emergency happen, I don't have to put onto a credit card. Right. 190 00:15:48,338 --> 00:15:51,519 Right, without relying on credit. Right. Which could build up and 191 00:15:52,659 --> 00:15:56,001 So that's a good step. So look at the bank accounts, start saying no more, 192 00:16:02,963 --> 00:16:06,485 So when I pay myself 10%, that 10% goes into my investment. 193 00:16:22,583 --> 00:16:26,385 That's okay. It's the beginning. Have you been paid passive income? Yes. Wonderful. 194 00:16:26,525 --> 00:16:29,766 It's funny when you see people, they come on the show and I say, have you been 195 00:16:29,786 --> 00:16:33,947 paid passive income? And their smile goes. What's 196 00:16:40,590 --> 00:16:43,771 It's like, wow. my future is 197 00:16:46,152 --> 00:16:51,654 Sure, yeah, so your money's falling off the tree. Great. So, anything 198 00:16:51,734 --> 00:16:55,075 else? So, you've put in these steps and like if you listen to our show 199 00:16:55,515 --> 00:16:58,656 and you read our books, you can see these steps in action, right? And that's what you saw 200 00:16:58,696 --> 00:17:01,817 with our students. You're like, oh, I can see these steps getting put in place and 201 00:17:01,837 --> 00:17:05,038 it makes so much sense because there's financial pieces not as far away as I thought 202 00:17:05,058 --> 00:17:08,399 it would be. So, you start doing it. And so, you're shifting things, 203 00:17:08,459 --> 00:17:11,620 right? And what was happening then? How did you feel then? What was going on? 204 00:17:12,794 --> 00:17:16,315 I felt in control of my life, like my destiny. 205 00:17:16,616 --> 00:17:20,397 And not only being able to shift these behaviors 206 00:17:20,437 --> 00:17:23,698 and these habits, it also allowed 207 00:17:23,738 --> 00:17:26,999 me to pay off all of my credit card debt, all of my personal loans, which 208 00:17:27,019 --> 00:17:32,532 was $150,000. You had $150,000 in debt? Yes. 209 00:17:33,033 --> 00:17:36,597 Just quickly, if you're ready to take control of your finances but feel stuck on 210 00:17:36,617 --> 00:17:40,301 where to start, I have a solution. My book Money Bias Happiness 211 00:17:40,762 --> 00:17:43,965 simplifies investing and wealth building with practical steps to help 212 00:17:43,985 --> 00:17:47,089 you achieve financial peace. Get your copy via the 213 00:17:47,129 --> 00:17:50,413 link in the show notes and let's get your money working for you. Now back 214 00:17:56,387 --> 00:17:59,768 The truck, your truck. I had a truck. And just credit 215 00:18:02,589 --> 00:18:05,710 You also notice in North America, I see, because I see 216 00:18:05,750 --> 00:18:09,031 students, you know, set ups all the time, financial situations all 217 00:18:09,051 --> 00:18:12,293 the time, every day. And notice in North America, they will keep giving 218 00:18:12,313 --> 00:18:15,774 you credit card beyond six figures. It is wild. Like in North America, 219 00:18:15,794 --> 00:18:19,016 so it could be Canada and America, but generally in the States, they 220 00:18:19,036 --> 00:18:22,217 just throw credit card debt, like, until it's 221 00:18:22,237 --> 00:18:26,119 just insurmountable. So that was happening to you had car debt, toy 222 00:18:26,159 --> 00:18:30,081 debt, which is side by side, credit card debt. And 223 00:18:30,121 --> 00:18:33,542 then, so how did you pay it off? I know that's the audience is thinking, how 224 00:18:36,115 --> 00:18:40,163 Well, obviously having you as a mentor and walking me through some strategies 225 00:18:43,028 --> 00:18:46,409 Do you think the strategy is complex? People 226 00:18:46,429 --> 00:18:49,910 are going to be, how do I pay credit card debt off? Well, first thing is, have an emergency fund 227 00:18:49,930 --> 00:18:53,592 so you don't get any more of it, look at your bank statements, and then start shifting 228 00:18:53,632 --> 00:18:57,533 the money from toys and other things into paying 229 00:18:57,573 --> 00:19:00,694 it off. What was it like? Did you think, I'm ever going 230 00:19:00,714 --> 00:19:03,875 to pay this off? Or did it feel like a struggle? Or did you do it 231 00:19:03,935 --> 00:19:07,256 quickly? Because you're able to earn money. So that's 232 00:19:07,296 --> 00:19:10,657 a big bonus. Because a lot of people I see, too, they go, 233 00:19:10,677 --> 00:19:13,818 I want to pay my debts off. And they're earning like a pittance, like $40,000 a year. I'm like, 234 00:19:14,258 --> 00:19:17,540 you need to make more money. Right? But you're already making enough 235 00:19:17,580 --> 00:19:20,721 money to do that. You're just sending it the wrong places. So once 236 00:19:20,741 --> 00:19:23,942 you shifted and started sending it, I think I remember the conversation we 237 00:19:23,962 --> 00:19:27,243 were having, like, I'm gonna pay, I forget what it was, 238 00:19:27,283 --> 00:19:30,584 and I'm like, well, you could pay all that off. It's almost like people 239 00:19:30,684 --> 00:19:33,765 don't realize, you mean I can pay it off now, I don't have to 240 00:19:37,006 --> 00:19:40,728 Yeah, we had, well, firstly, 241 00:19:40,768 --> 00:19:44,269 we had way too many vehicles. And so having a conversation with 242 00:19:44,309 --> 00:19:47,577 you and overcoming that we don't need to have, shifting that 243 00:19:47,617 --> 00:19:51,019 mindset, we don't need to have all the new things and all of these things. 244 00:19:51,939 --> 00:19:55,240 So we sold a vehicle, which ultimately gave us cash 245 00:19:55,260 --> 00:19:58,682 in our hand, which paid off our trailer, our 246 00:19:58,702 --> 00:20:01,843 motorhome. And so that 247 00:20:01,883 --> 00:20:05,185 was nice to have that. But yeah, just the strategy of being mindful of 248 00:20:05,205 --> 00:20:08,266 where my money went, knowing I had a goal that I 249 00:20:08,286 --> 00:20:12,984 wanted to reach, paying this off in two years, I did it in 17 months. but 250 00:20:13,024 --> 00:20:16,566 just sticking to that and devoting, 251 00:20:18,087 --> 00:20:21,329 Was it a bit like, it's a slippery slope. So when you were coming 252 00:20:21,369 --> 00:20:25,052 into more money, was it a very like challenging mental 253 00:20:25,572 --> 00:20:28,754 place to be? Like, were you having a fight mentally about, well, 254 00:20:28,774 --> 00:20:32,356 I'd like to get another car, or I'd like to do, and 255 00:20:35,785 --> 00:20:39,007 It was tricky. Yep. Because I, I seen the money, I 256 00:20:40,127 --> 00:20:43,509 could have spent it. So it was, it was hard not 257 00:20:43,549 --> 00:20:47,091 to spend it, but it's like, I don't know if anybody else 258 00:20:47,131 --> 00:20:50,773 that goes through your program, it's like when you go through Lloyd's program, 259 00:20:50,813 --> 00:20:53,855 it's like Lloyd's in your mind all the time. It's like, no 260 00:20:53,975 --> 00:20:58,077 matter if I went out shopping or if I was going to make a money decision online, 261 00:20:59,568 --> 00:21:03,630 Lloyd was always there, do you need this? Do 262 00:21:03,650 --> 00:21:07,052 you really need this? So that 263 00:21:07,092 --> 00:21:10,293 helped because obviously the habit wanted to 264 00:21:10,333 --> 00:21:13,475 be there to spend it, but I knew I finally had 265 00:21:13,495 --> 00:21:17,077 a financial goal that I wanted to reach. And I was disciplined in 266 00:21:22,281 --> 00:21:25,864 Because you had this, you've won bodybuilding competitions, you've 267 00:21:25,904 --> 00:21:29,346 got discipline in all these other areas. Relationships, relationships with 268 00:21:29,366 --> 00:21:32,769 your boys, and your body, and your health, and 269 00:21:33,069 --> 00:21:36,211 work. You have discipline. It's just not in 270 00:21:36,272 --> 00:21:39,374 that area. Yeah. So you did find that you're able to apply it, 271 00:21:42,336 --> 00:21:45,619 Once I had financial goals because I have goals in my health, 272 00:21:45,659 --> 00:21:49,302 I have goals in my relationship, but I never had goals financially. 273 00:21:49,582 --> 00:21:53,025 Got it. So it's not also about 274 00:21:53,085 --> 00:21:56,248 not spending, is it? Because you spend money still, but 275 00:21:56,729 --> 00:21:59,811 It goes to things that are purposeful and that are just going to 276 00:22:01,673 --> 00:22:05,315 So you're still a spender. That's 277 00:22:05,355 --> 00:22:08,756 why I think, too, I'm like, well, I'm a spender. I just spend a ton on 278 00:22:08,916 --> 00:22:12,577 income-producing activities. And I spend a ton on assets. And 279 00:22:12,597 --> 00:22:15,798 I spend a ton on experiences. And I expect, you 280 00:22:19,680 --> 00:22:22,901 Yeah. So it's not like toys and things that depreciate. It's actually things 281 00:22:22,921 --> 00:22:26,322 that appreciate. So as you said, you've spent $25,000 or 282 00:22:26,462 --> 00:22:30,523 whatever, probably less than that because it's grown, but on assets. You've 283 00:22:30,543 --> 00:22:34,196 now spent some money from your side hustle to come here. So 284 00:22:36,598 --> 00:22:40,001 In different areas. Things that are going to progress me forward, 285 00:22:45,726 --> 00:22:48,968 Marvelous. Excellent. So have you had slip ups along the 286 00:22:54,013 --> 00:22:57,255 Where? Just a little, like, where do you think you've had slip ups? 287 00:22:57,415 --> 00:23:00,920 Well, definitely. We needed it. 288 00:23:02,881 --> 00:23:07,263 A slip up of purchasing a vehicle. But 289 00:23:10,184 --> 00:23:13,905 So what'd you buy? Because I will never buy a vehicle on financing ever 290 00:23:19,087 --> 00:23:22,128 Right. So you set up some rules about your spending, right? So at least you did it. And I 291 00:23:22,168 --> 00:23:25,629 remember we had the conversation. You went, I just bought a Jeep. I'm like, you what? 292 00:23:26,369 --> 00:23:30,986 Like, I just bought a Jeep you like out of the commercial. I was like, why? Anyway, 293 00:23:38,150 --> 00:23:41,311 That's a good thing. And then what else? The other day, I wanted to talk about 294 00:23:41,331 --> 00:23:44,613 what happened the other day. You learned a lesson when you talked about how 295 00:23:46,414 --> 00:23:50,036 Oh, yes. So I got my emergency fund. 296 00:23:50,256 --> 00:23:53,557 It's sitting there. I never touch it. But our hot 297 00:23:53,577 --> 00:23:58,090 tub broke. And I'm like, oh, this is an emergency. I'm 298 00:23:58,130 --> 00:24:02,216 in Canada. We need this heated or else it's going to freeze. And I 299 00:24:02,236 --> 00:24:05,702 was all excited. I went and got the part 300 00:24:10,134 --> 00:24:13,295 And I remember saying, I don't think hot tubs are an emergency. And you're like, oh, 301 00:24:13,315 --> 00:24:16,476 I'm sure they are. In Canada, they are. But what you're saying, and you 302 00:24:16,496 --> 00:24:20,237 might be right here, is if you don't actually have your hot tub heated, 303 00:24:20,757 --> 00:24:24,218 the water will actually freeze in it and break it. So 304 00:24:24,258 --> 00:24:28,479 we could probably agree that if it wasn't fixed, it was going to break. But 305 00:24:28,599 --> 00:24:32,001 if it had of, it still would have been OK. Like it's 306 00:24:32,041 --> 00:24:36,045 safe broken for 20 years and it wouldn't probably impact your life. So 307 00:24:36,506 --> 00:24:40,410 where do you think now knowing that an emergency fund is really helpful for besides 308 00:24:46,764 --> 00:24:50,067 Right. So something where like, yeah, you that you need right now that 309 00:24:50,107 --> 00:24:53,510 you really need. Yeah. It's going to make a huge difference in the next day or two. Yeah. Right. 310 00:24:53,830 --> 00:24:57,593 So that's really more what it's for. However, you 311 00:24:57,613 --> 00:25:01,456 did have it there. You need to use it. And then what's 312 00:25:01,476 --> 00:25:04,639 next? You're going to replenish it, right? Yeah. Awesome. So you would 313 00:25:04,659 --> 00:25:07,961 have, how would you approach that before, before credit 314 00:25:12,318 --> 00:25:15,662 Fast, easy, accessible. And what's the knock-on effect 315 00:25:18,407 --> 00:25:22,309 You just keep doing it, and the interest. You're paying interest. You're growing 316 00:25:23,409 --> 00:25:26,591 Right. Yeah. Excellent. So you seem to 317 00:25:26,631 --> 00:25:29,872 have kind of drawn this line in the sand now, where you're not 318 00:25:30,473 --> 00:25:33,854 like a credit junkie where you're just spending money on credit card and personal loans 319 00:25:34,294 --> 00:25:37,776 for these depreciating assets. So that's definitely 320 00:25:37,916 --> 00:25:41,098 shifted. You've moved some money into building assets and 321 00:25:44,249 --> 00:25:48,470 My kids. I've been able to set aside over 15,000 for 322 00:25:50,270 --> 00:25:53,491 For, you know, whether to grow their 323 00:25:53,531 --> 00:25:57,872 investments. And so they have something for when I 324 00:25:59,692 --> 00:26:03,393 Yeah. And so how do you think their attitude has changed? Cause 325 00:26:08,954 --> 00:26:12,055 Sorry. The other way. Yeah. Gee, he was seven. Like the nine year old was seven and 326 00:26:12,931 --> 00:26:17,173 Okay. So you've got 12 and nine. And so how do you think they're, have 327 00:26:18,073 --> 00:26:21,434 Huh? You have no idea how much they've changed, especially my 328 00:26:21,795 --> 00:26:25,316 youngest one. So when I went through your program and on the lessons, he 329 00:26:25,456 --> 00:26:28,577 always sat in the room, not always, but the majority of the time he 330 00:26:28,637 --> 00:26:32,519 sat there and he literally took notes as you were speaking and 331 00:26:33,239 --> 00:26:36,520 he learned all my behaviors. He was a big spender. Soon 332 00:26:36,540 --> 00:26:39,742 as he got his allowance or as soon as he got money in his hand, he had to go to the store to 333 00:26:40,976 --> 00:26:44,119 Immediately all of it. Yeah, and then some well, yes what 334 00:26:44,139 --> 00:26:47,983 you do when you're nine Yeah, so him 335 00:26:48,063 --> 00:26:51,726 listening to you and seeing me going through the process myself 336 00:26:52,627 --> 00:26:55,830 He's nine. He started his own business He 337 00:27:01,255 --> 00:27:06,540 He bought his own 360 bucks go him. Yeah, nice and Yeah, 338 00:27:09,083 --> 00:27:13,328 Yeah, he gave me a gift the other day. He printed 339 00:27:13,568 --> 00:27:16,812 us this eagle, because we have another business with the team, which is called 340 00:27:16,832 --> 00:27:20,076 Team Eagle. And so he printed this eagle and a nice other thing. So two things, 341 00:27:20,096 --> 00:27:23,240 he gave us a gift. I was like, how did he do this? And he was like, he 3D printed it. 342 00:27:23,260 --> 00:27:26,443 I was like. And I was wondering how he bought it. So he saved the money and 343 00:27:30,906 --> 00:27:34,388 Well, now he has his little tracker where he tracks 344 00:27:34,688 --> 00:27:38,251 how much his things are worth so he knows what to sell them for. When 345 00:27:38,271 --> 00:27:41,813 he makes money, he replenishes it back into the business to buy more filament. 346 00:27:42,194 --> 00:27:45,456 So he's got that all set up and now he's saving up to 347 00:27:51,943 --> 00:27:55,266 So that's fantastic. So obviously you've had an impact on them, right? 348 00:27:55,307 --> 00:27:58,550 So this is flowing through to your boys, right? 349 00:27:59,030 --> 00:28:02,454 And I know that because I've spoken to it on the phone a couple of times. They come on to the call sometimes 350 00:28:04,756 --> 00:28:08,921 Yeah. So that's really great. So you're setting the example at home. And 351 00:28:11,283 --> 00:28:15,167 And it's even changed for my husband too because his behavior 352 00:28:15,207 --> 00:28:18,730 about needing, like he's got a different aspect around buying 353 00:28:18,770 --> 00:28:22,233 things. He doesn't buy things anymore. He used to, but he 354 00:28:22,253 --> 00:28:25,937 only buys things if it's going to appreciate in value. So 355 00:28:26,397 --> 00:28:29,540 like what I mean by that is buys something, fixes it up 356 00:28:30,341 --> 00:28:35,094 Oh, so it's just more thoughtful and intelligent. If 357 00:28:35,134 --> 00:28:38,297 I do this, then I can have both. I can have my thing and fix it and make 358 00:28:38,337 --> 00:28:42,320 money. So instead of a win-lose, it's a win-win. Awesome. 359 00:28:42,480 --> 00:28:46,103 I love it. Fantastic. And now, how did you get to Australia? How 360 00:28:46,964 --> 00:28:50,246 My side hustle. How did I? I flew here. 361 00:28:55,511 --> 00:28:59,874 Yeah, yeah. Swim. So you side hustle. 362 00:29:14,647 --> 00:29:17,929 And so tell us a little bit about the success there, how that's 363 00:29:17,969 --> 00:29:22,393 had an impact on your life. How is that? How 364 00:29:26,502 --> 00:29:30,144 So again, prior to meeting you, I was in so many different network marketing 365 00:29:30,184 --> 00:29:33,425 businesses, was never successful at all, 366 00:29:37,827 --> 00:29:40,928 I never believed in myself that I would actually be successful in 367 00:29:40,988 --> 00:29:44,089 it, but never having the roadmap, never having the 368 00:29:44,129 --> 00:29:47,411 guidance, never having someone backing me up is 369 00:29:49,952 --> 00:29:53,053 And now I've got the right mentorship. I've got the 370 00:29:53,093 --> 00:29:57,070 right system. I've got the right, community 371 00:29:57,871 --> 00:30:01,073 and since for last three years, since I started doing 372 00:30:01,533 --> 00:30:05,095 this business, I've not missed a week of pay. I've 373 00:30:10,338 --> 00:30:15,803 Okay, perfect. Now, I want to touch on There 374 00:30:15,823 --> 00:30:19,024 was a time there where you wanted to come to 375 00:30:19,085 --> 00:30:22,186 Australia because we have events here and you 376 00:30:22,206 --> 00:30:26,128 want to attend an event or you wanted to come out here, right? It's on your bucket list. So 377 00:30:26,188 --> 00:30:30,269 what changed in your mindset that got you here from 378 00:30:33,171 --> 00:30:37,032 Whatever I earned in my business went into an account to 379 00:30:38,233 --> 00:30:41,634 help me grow as a person to 380 00:30:43,106 --> 00:30:46,948 Right. Cause we had a conversation and you said to me, I'd like to go to Australia. I'm like, why 381 00:30:46,988 --> 00:30:50,350 don't you? And what 382 00:30:51,390 --> 00:30:55,712 I don't remember what I said back, but probably along the lines is I 383 00:30:59,704 --> 00:31:04,186 That conversation with you is what I earn in my business, put 384 00:31:05,407 --> 00:31:08,729 Got it. So what if the money you're earning on the side 385 00:31:08,749 --> 00:31:12,330 that's separate to your income, what if you just built that up to a separate account 386 00:31:12,671 --> 00:31:15,932 and it paid for the $2,000 to come to Australia? Plus 387 00:31:15,992 --> 00:31:19,274 a little bit of, like you can come here on the Canadian dollar and earn a little bit more because 388 00:31:19,314 --> 00:31:22,516 it's more valuable than the Australian dollar. And you can stay here for like 389 00:31:26,158 --> 00:31:29,260 It's not that much where I thought it was going to be a fortune to 390 00:31:29,680 --> 00:31:33,263 Yes. So we, you know, it's almost like we imprison 391 00:31:33,303 --> 00:31:36,586 ourselves in a story that's like, Oh, going to 392 00:31:36,646 --> 00:31:39,948 Australia is a long way. It's going to be so much. 393 00:31:40,108 --> 00:31:43,871 I have to have X, Y, Z before I can get 394 00:31:43,931 --> 00:31:47,173 there. Right. So you probably thinking in your mind, like I have to be so 395 00:31:47,253 --> 00:31:50,336 rich before I get to Australia. So when we had that conversation, I'm like, why 396 00:31:50,376 --> 00:31:53,584 don't you come? And you're like, oh, how can 397 00:31:59,708 --> 00:32:02,831 So diligently having a goal, which is to come to Australia, you 398 00:32:02,851 --> 00:32:07,594 knew then how much it was going to cost. You're like, oh, I looked at flights. They're not $10,000. They're 399 00:32:07,634 --> 00:32:10,797 like 50. Like to fly to America from Australia now, like I've been to 400 00:32:10,837 --> 00:32:14,159 a state three times this year. I'm pretty sure it's $1,400. It's just not 401 00:32:16,761 --> 00:32:20,624 your whole trip here was 3,000. And like, so, I mean, it's so achievable 402 00:32:21,065 --> 00:32:24,167 for someone to fly all halfway around the world. And 403 00:32:24,207 --> 00:32:27,610 now like today, I know you're gonna see kangaroos and koalas and 404 00:32:27,650 --> 00:32:30,833 all that cool stuff. You're gonna do that today, like after this episode. And so 405 00:32:30,873 --> 00:32:34,356 it's like, it's so close. But was 406 00:32:34,396 --> 00:32:37,559 it a mental, was it a personal growth experience to 407 00:32:39,381 --> 00:32:42,623 It was, it was a personal growth, like just to come here, to leave my 408 00:32:43,244 --> 00:32:47,227 family back at home. go through those emotions and jump 409 00:32:47,247 --> 00:32:50,570 on the plane. Oh my god, it's 14 and a half hours. Like, how 410 00:32:50,610 --> 00:32:53,814 am I going to manage that? That's so long on a plane. So that 411 00:32:53,854 --> 00:32:57,438 personal growth there and just being here is personal growth in 412 00:33:05,207 --> 00:33:08,383 Yep. when you said we had 413 00:33:08,403 --> 00:33:12,008 to do 10 steps in the TED talk at 414 00:33:12,488 --> 00:33:15,572 Okay, so we had an event the last couple of days and there's some things to do and it was 415 00:33:15,612 --> 00:33:18,676 more the aspect of speaking that was scaring a 416 00:33:18,697 --> 00:33:22,101 little bit. But like any point in time with your boys, like, mum, don't go, and 417 00:33:24,011 --> 00:33:27,213 Yeah, well, actually last year I wanted to come and I told my 418 00:33:27,473 --> 00:33:30,636 boys, my oldest son, he started crying. He's like, you're gonna 419 00:33:36,680 --> 00:33:40,303 So I decided not to go. I could have come last year, but 420 00:33:40,323 --> 00:33:43,705 I decided not to because the impact on him and seeing him 421 00:33:43,745 --> 00:33:47,488 cry. But this year having the conversation still, 422 00:33:48,769 --> 00:33:52,731 they didn't want me to go, but they 423 00:33:53,803 --> 00:33:57,206 Yeah. There you go. Okay. So you got through that. 424 00:33:57,887 --> 00:34:01,150 So you got through the financial obstacle of actually it's 425 00:34:01,170 --> 00:34:04,434 not that much. Actually, I will start a side hustle. Actually, I will save 426 00:34:04,454 --> 00:34:07,617 some money, which you did intentionally with 427 00:34:07,637 --> 00:34:11,641 the goal. And then it's the, I'm going to leave my kids and 428 00:34:15,905 --> 00:34:19,268 Yeah. And then you just ignored it to do this 429 00:34:19,668 --> 00:34:23,291 and now you're here. And so I just 430 00:34:23,311 --> 00:34:26,774 wanted you to unpack that a little bit because I do know that we've got even three 431 00:34:26,814 --> 00:34:30,037 of our other students are coming. There's a student coming in because we have a Mind & Money event 432 00:34:30,057 --> 00:34:33,180 this weekend that you're here for, right? So my friend Morgan and I run this 433 00:34:33,200 --> 00:34:36,623 three-day Mind & Money event. It's a breakthrough money event, right? And some 434 00:34:36,643 --> 00:34:39,986 of our listeners will have been to it. If you want to come to it, just go search 435 00:34:40,026 --> 00:34:44,169 Mind & Money on Google, come along, right? Yes, you've got to pay a ticket. But 436 00:34:44,789 --> 00:34:47,870 so you're here for that too. And we I 437 00:34:47,910 --> 00:34:51,111 know we've got like Burgess coming from Alaska. Alana is 438 00:34:51,131 --> 00:34:55,091 coming from New York. And it's the same conversation. Because 439 00:34:55,131 --> 00:34:58,312 it's like this. Well, I can't go there. And 440 00:34:58,352 --> 00:35:01,533 I've had the same things too. Like, there was a couple of times like I was wanting 441 00:35:01,573 --> 00:35:05,333 to see Warren Buffett at the Berkshire Hathaway meeting. And 442 00:35:05,894 --> 00:35:09,096 I could go. But I was like, Do 443 00:35:09,116 --> 00:35:12,578 I really want to get on three airplane flights and go to Omaha? Do I really want to? And 444 00:35:12,598 --> 00:35:15,780 you start to kind of just imprison yourself. And then you do need 445 00:35:15,800 --> 00:35:18,982 some guidance, right? So for me, it's Alicia. She's like, if you don't 446 00:35:19,002 --> 00:35:22,264 go, you're going to regret this. I was like, yeah, you're right. 447 00:35:22,284 --> 00:35:25,345 So sometimes you need that little bump, that encouragement. And sure enough, I 448 00:35:25,425 --> 00:35:29,288 went to the Berkshire Hathaway meeting. I've always wanted to go to it. I don't know why I never went. Because 449 00:35:29,328 --> 00:35:32,651 Charlie Munger died last year and I'm like, well if I don't go now, Warren's going to die. And Alicia said, 450 00:35:32,752 --> 00:35:35,875 if he dies, you're going to regret it. It's a 451 00:35:35,915 --> 00:35:39,218 weekend. It's like you fly 36 hours to spend four hours or 452 00:35:39,458 --> 00:35:42,782 eight hours on an event and then fly home. So I know what it's like. So 453 00:35:42,822 --> 00:35:46,446 that's when I see others create 454 00:35:46,486 --> 00:35:49,587 these fake barriers in 455 00:35:49,607 --> 00:35:52,910 their mind, like, I can't go. So the question is, well, why 456 00:35:53,390 --> 00:35:57,573 Yeah, I always had that block, like, I can't go to Australia. I've got family here. What 457 00:35:57,593 --> 00:36:00,996 if something happens? And all that negative self-talk just 458 00:36:01,016 --> 00:36:04,659 starts. It takes over, right? Yeah. And I even got extra insurance 459 00:36:04,919 --> 00:36:08,082 on my ticket just in case I had to cancel. Just in case you 460 00:36:08,102 --> 00:36:12,345 die? No, just in case I had to cancel my flight to come 461 00:36:12,505 --> 00:36:16,048 Oh, you're even setting up, like, just in case I've got to cancel, 462 00:36:23,076 --> 00:36:26,177 But you're here, so you must have burned them a little bit in your mind. Make the 463 00:36:26,217 --> 00:36:29,678 decision, move forward. Yeah. So what if you did? For our audience too, 464 00:36:29,938 --> 00:36:33,119 what if you just did it? And also, I 465 00:36:33,139 --> 00:36:36,640 do encounter folks who want to buy. So part 466 00:36:36,660 --> 00:36:40,741 of the big dream of a lot of people financially is I want to buy a house. Now, 467 00:36:40,781 --> 00:36:44,242 if you've been following me on social media, it's not always the most astute 468 00:36:44,262 --> 00:36:47,760 financial decision for everybody to buy a house. Folks 469 00:36:47,780 --> 00:36:50,944 do, and I get it. So my question to them is, which one are you 470 00:36:50,984 --> 00:36:54,128 buying? And they go, huh? Like, which one are you buying? What do 471 00:36:54,148 --> 00:36:57,311 you mean? I'm like, well, if you're going to buy a house, which one 472 00:36:57,371 --> 00:37:01,256 is it? How much is it? How much is the deposit? Where are we at? Because 473 00:37:01,296 --> 00:37:06,072 if there's no actual plan, it's a BS. delusional fantasy, 474 00:37:06,632 --> 00:37:09,734 right? So the same with Australia. Hey Mel, when 475 00:37:09,754 --> 00:37:12,935 are you coming to Australia? I'm going to come. When are you 476 00:37:12,955 --> 00:37:16,777 coming? What dates? What's the flight? Which airline? What's 477 00:37:16,797 --> 00:37:19,919 the price? Where are you staying? How much is it? What's 478 00:37:19,939 --> 00:37:23,341 the price? And you start to build 479 00:37:23,401 --> 00:37:26,742 it, which is what you did, right? Okay, well, I've got the flights and 480 00:37:26,782 --> 00:37:31,360 it's only this. Wow. And I'm staying here. Wow. And 481 00:37:36,602 --> 00:37:39,943 Now you're coming back. Now you're addicted to Australia. I'm coming back again. 482 00:37:39,963 --> 00:37:43,504 I'm coming back again. Because once you unpack that experience and 483 00:37:43,524 --> 00:37:46,945 you build that belief and you build that muscle and the files, you 484 00:37:46,965 --> 00:37:50,287 can reuse it again. So it's never going to be this hard again, is it? No. Same 485 00:37:52,435 --> 00:37:56,016 You've got everything set up. So now, what's life 486 00:37:56,056 --> 00:37:59,836 like now? And what advice 487 00:37:59,856 --> 00:38:03,257 would you give to someone who's in the old Melissa's position? 488 00:38:04,157 --> 00:38:07,318 Life now is absolutely incredible. I have no 489 00:38:07,378 --> 00:38:11,038 stress. I have financial peace. My 490 00:38:11,098 --> 00:38:16,059 family's happy. We got freedom. We got choice. It's 491 00:38:24,962 --> 00:38:28,123 Always have, but it's just at a different level now. It's like, I, I 492 00:38:29,683 --> 00:38:32,904 Okay. So what are some of the things you think you're going to do now that 493 00:38:36,766 --> 00:38:39,947 Travel more. Um, keep putting it 494 00:38:40,087 --> 00:38:43,808 back into myself, going to events, showing 495 00:38:57,378 --> 00:39:01,199 And you're also here for two events this week. So it's a busy, interesting, 496 00:39:04,180 --> 00:39:07,561 So OK, great. So you want to do more experiences with them. And who doesn't, 497 00:39:08,661 --> 00:39:12,282 I've never met a mom who goes, I don't want to spend less time with my kids and 498 00:39:15,103 --> 00:39:18,423 But I have the ability to do it now because I've got the structure in place on 499 00:39:21,504 --> 00:39:24,665 Perfect. Yeah. How to get there without being in debt. Do you think the 500 00:39:29,706 --> 00:39:33,247 The biggest shift. Yeah. Cause I will not be in debt again ever. 501 00:39:33,698 --> 00:39:37,424 That's a big line in the sand. 502 00:39:37,564 --> 00:39:40,748 I still have one credit card but that gets paid off every month. And 503 00:39:44,273 --> 00:39:47,558 Right, so you just kind of use it as a charge card, right? Build your credit rating, keep 504 00:39:51,125 --> 00:39:54,368 Awesome. Fantastic. So what would your advice be to others 505 00:39:54,388 --> 00:39:57,511 who are listening? Because part of the idea of bringing our students on, 506 00:39:57,731 --> 00:40:01,034 and you are also a part of our team too, so you've actually facilitated and 507 00:40:01,074 --> 00:40:04,298 helped. You're part of our education business team. So 508 00:40:04,458 --> 00:40:07,921 you are helping a lot of people start into our programs. So you see everyone. 509 00:40:08,021 --> 00:40:11,585 You see where they start, you see their breakthroughs, you see their results, right? But 510 00:40:11,625 --> 00:40:14,841 part of bringing them on and you on is 511 00:40:14,861 --> 00:40:18,244 to showcase real life everyday people just 512 00:40:18,284 --> 00:40:22,006 doing the basics and transforming things. Because I think when 513 00:40:22,026 --> 00:40:25,609 people say, oh, common sense with financing, what I think they mean is uncommon sense with financing. 514 00:40:25,749 --> 00:40:29,252 Because you weren't ever taught the rules of the game. So what 515 00:40:29,272 --> 00:40:32,554 would be your advice to someone who is listening? Perhaps they were 516 00:40:32,634 --> 00:40:36,097 in your same situation, or they are. What's the 517 00:40:36,237 --> 00:40:39,579 real juicy stuff you could give them? What 518 00:40:41,243 --> 00:40:44,406 just to stop living in old habits and to 519 00:40:44,446 --> 00:40:47,749 take action and that it is possible no matter where you're 520 00:40:47,889 --> 00:40:51,993 at, how deep you are in debt, how deep 521 00:40:52,033 --> 00:40:55,856 you are in, you know, uncontrolled finances, just to 522 00:40:55,896 --> 00:41:00,767 take the first step and take action and get, get help. Because 523 00:41:00,787 --> 00:41:03,829 I never would have been able to do it without your help. I 524 00:41:03,849 --> 00:41:07,430 would have never been able to turn the trajectory of my finances around 525 00:41:07,810 --> 00:41:11,532 without having someone there helping me through the process, someone 526 00:41:14,533 --> 00:41:17,875 So take action, take action, get help to understand the steps, get 527 00:41:17,895 --> 00:41:23,600 encouragement, get support, and then do it. And 528 00:41:23,640 --> 00:41:26,822 overcome the fears, right? What do you 529 00:41:26,842 --> 00:41:30,244 think it is that stops people, though, taking the action 530 00:41:31,365 --> 00:41:34,647 I think it's the fear. The fear of the unknowing, the fear of 531 00:41:36,388 --> 00:41:39,810 What do you think is the story they're telling themselves when the fear takes over? 532 00:41:46,755 --> 00:41:50,037 What do you think would happen if they think it's too hard and it's too much? 533 00:41:57,752 --> 00:42:01,916 Yeah. And what's the underlying, just to finish up, what's 534 00:42:01,976 --> 00:42:05,299 the underlying most important trait? Because we've 535 00:42:05,319 --> 00:42:09,282 had hundreds and thousands of students come through, right? And 536 00:42:09,322 --> 00:42:13,305 so what have you seen is the number one trait that 537 00:42:13,386 --> 00:42:16,909 they have? Because everyone starts, like people don't 538 00:42:17,429 --> 00:42:20,592 want a transformation if they're already happy with where they're at. 539 00:42:21,092 --> 00:42:24,614 There has to be some level of confusion, pain, like 540 00:42:24,874 --> 00:42:27,995 I'm stuck and I know that, like an awareness too, now 541 00:42:28,035 --> 00:42:31,257 I'm ready. But what underlying trait that all 542 00:42:31,317 --> 00:42:34,598 those students have that has been the one thing that's 543 00:42:34,658 --> 00:42:38,180 helped them to get to the other side, from hell to 544 00:42:38,220 --> 00:42:42,362 living in paradise, you know, financial peace, from crisis to 545 00:42:42,642 --> 00:42:46,063 I think it's their investing in themselves. They're 546 00:42:48,086 --> 00:42:52,409 But what's the trait of the students that do and 547 00:42:52,429 --> 00:42:55,611 get results compared to those that don't? What's the underlying trait? What's 548 00:42:55,631 --> 00:42:58,993 the behavior trait? What's the thing that they've got that others don't? Well, 549 00:43:02,195 --> 00:43:05,757 It means that they're open to receive coaching. They're open to receive 550 00:43:10,940 --> 00:43:14,132 And they surrender to it. So they don't say, yeah, I already know 551 00:43:14,172 --> 00:43:17,533 this. I already know that. Yeah, but, yeah, but, yeah, but, yeah. And they just, yeah, butt themselves 552 00:43:17,573 --> 00:43:20,814 into a hole, right? So they're open and coachable. And 553 00:43:21,114 --> 00:43:24,275 anything else that they do that you've seen, because they do that one 554 00:43:27,516 --> 00:43:30,597 They draw the line in the sand, they burn the bows, they say, and that's it. But all of our 555 00:43:30,617 --> 00:43:33,858 students you see, the ones that win, what do they do that others don't? What 556 00:43:33,878 --> 00:43:37,199 do you say to them when they start? No matter what happens, do this one 557 00:43:42,284 --> 00:43:45,546 Yeah, if you show up, you're gonna get 558 00:43:45,586 --> 00:43:50,208 the result. If you show up and lean in, what's 559 00:43:51,469 --> 00:43:55,150 Yeah. It's like easy not to do, easy to do. It's 560 00:43:55,170 --> 00:43:58,772 like, if I don't show up, I can't get the juice. If I show up, I get the juice. And 561 00:43:58,792 --> 00:44:01,974 the more you show up... the more you want to show up. This is like 562 00:44:04,315 --> 00:44:07,417 Because the more you show up, the results are going to start happening, and it's 563 00:44:09,879 --> 00:44:13,140 Yes, momentum. They start to get momentum. Yeah, and you see that, 564 00:44:14,901 --> 00:44:18,423 Yeah, you see it in our students, but you see it probably in bodybuilding. There's 565 00:44:18,443 --> 00:44:21,725 people that don't make it to the stage. There's people that don't make it to the gym. 566 00:44:22,026 --> 00:44:25,227 There's people that don't make it to Australia. There's people that don't make it to the call. There's 567 00:44:25,247 --> 00:44:28,429 people that don't make it. And once 568 00:44:28,469 --> 00:44:31,734 they don't show up once, then the thoughtfulness and the 569 00:44:31,774 --> 00:44:35,275 new story of... And it 570 00:44:35,615 --> 00:44:39,136 also self-perpetuates backwards. So if 571 00:44:39,156 --> 00:44:42,557 you could give our audience one piece of advice, what 572 00:44:46,658 --> 00:44:49,799 Take action, show up. And then... Then 573 00:44:49,819 --> 00:44:53,060 the result happens. Over time the results start to begin, yeah? And 574 00:44:53,200 --> 00:44:56,381 be patient. And be patient. Because why do you say that? 575 00:44:57,688 --> 00:45:01,149 Because it's not overnight success. Nothing in life is overnight success. 576 00:45:07,652 --> 00:45:11,013 So when you go to the gym for the first time, did you walk out with muscles? Nope. So 577 00:45:16,053 --> 00:45:19,316 You can try, but every time you go and try and make money quickly, it blows up in your face, 578 00:45:19,356 --> 00:45:22,658 right? Yeah. Yeah. Excellent. Fantastic. So have you enjoyed 579 00:45:26,362 --> 00:45:30,225 I didn't die. Any 580 00:45:41,328 --> 00:45:44,472 Wonderful. Well, here's for our audience. Thanks for coming to the studio. You come all the way 581 00:45:44,492 --> 00:45:47,776 from Canada. I'm excited about bringing you on because I love your story. It's 582 00:45:47,796 --> 00:45:51,160 just so many parts to it. I'm sure you have inspired a 583 00:45:51,200 --> 00:45:54,903 lot of people. other mums and 584 00:45:54,943 --> 00:45:58,145 people on our show. So if you have got value from this 585 00:45:58,206 --> 00:46:02,349 episode, I'd love you to share it with someone. Perhaps 586 00:46:02,389 --> 00:46:05,631 you need to send it to them because they need to hear it. But 587 00:46:05,711 --> 00:46:08,914 also follow Melissa. Where's the best place for people to find you and follow your 588 00:46:12,381 --> 00:46:16,542 She said Instagram and Facebook. That was 589 00:46:16,562 --> 00:46:19,783 my age. I was like, yes, Facebook is still our number one platform. It's also the biggest 590 00:46:19,823 --> 00:46:23,024 platform still, right? I don't know if people know that. Facebook. So 591 00:46:23,044 --> 00:46:26,285 Melissa Corciato, go follow her, follow her journey. She's 592 00:46:26,325 --> 00:46:29,666 also on Instagram. I'm sure you'll be inspired by watching 593 00:46:29,706 --> 00:46:33,328 her. You'll be able to see her hang out with kangaroos and koalas. But 594 00:46:33,348 --> 00:46:36,631 watch her journey and watch her life just go to another level because she's 595 00:46:36,871 --> 00:46:40,195 built the foundations in all areas of her life now, especially the 596 00:46:40,255 --> 00:46:44,019 financial one, and that's why you're here. So thanks again for coming in. Good 597 00:46:46,381 --> 00:46:50,760 All right. See you on the next episode of the Mega Ocean Trees Podcast. Thanks 598 00:46:50,780 --> 00:46:53,944 for listening to Money Grows on Trees. If you enjoyed the episode, leave a 599 00:46:54,004 --> 00:46:57,708 five-star review on Apple Podcasts and Spotify and subscribe 600 00:46:57,768 --> 00:47:01,131 to us on YouTube so you never miss an episode. And if you're serious about 601 00:47:01,172 --> 00:47:04,515 building wealth, make sure to check out the links in the show notes and follow me 602 00:47:04,795 --> 00:47:08,620 on all social media platforms, at LloydJamesRoss for