275: [Charly Stoever] Breaking Free: Make Money Your B!tch

Charly Stoever: 00:00:00

So I'm trans and I'm queer, and I'm actually

Charly Stoever: 00:00:02

estranged from my family, which is another

Charly Stoever: 00:00:05

reason why I am so gung ho about

Charly Stoever: 00:00:08

being financially independent, because I don't have anybody

Charly Stoever: 00:00:11

to really fall back on. Like, my

Charly Stoever: 00:00:14

dad left when I was 14, and he went back to

Charly Stoever: 00:00:16

Mexico, and I honestly don't know if he's alive or dead,

Charly Stoever: 00:00:19

which is something that's very painful for me to talk about and

Charly Stoever: 00:00:22

admit. Even though he was pretty emotionally abusive and

Charly Stoever: 00:00:25

narcissistic, it still sucks to be like, I don't

Charly Stoever: 00:00:27

know what happened to my dad, but I know that some of your listeners

Charly Stoever: 00:00:30

can probably relate to this too. And I haven't seen

Charly Stoever: 00:00:33

my mom in eight years. Uh, so

Charly Stoever: 00:00:36

I. It's like, I don't have to worry about

Charly Stoever: 00:00:39

my parents now, even though I will probably swoop in

Charly Stoever: 00:00:42

if I find out my dad's alive and needs help.

Anthony Weaver: 00:00:48

Welcome everybody back to another exciting show, the

Anthony Weaver: 00:00:51

about that Wallet podcast, where we help you build strong

Anthony Weaver: 00:00:54

financial habits so that you can have the

Anthony Weaver: 00:00:57

confidence on spending money, talking about money,

Anthony Weaver: 00:01:00

and enjoying your money. And I have

Anthony Weaver: 00:01:03

the awesome opportunity to bring on somebody that I met at

Anthony Weaver: 00:01:05

fincon. And if you guys ever heard of

Anthony Weaver: 00:01:08

fincon, it is a financial conference

Anthony Weaver: 00:01:11

that happens every year. But this

Anthony Weaver: 00:01:13

person actually brought in so much joy, and I was

Anthony Weaver: 00:01:16

excited to bring them on because they had so much excitement

Anthony Weaver: 00:01:19

recording their own episode. F and Con.

Anthony Weaver: 00:01:22

And what's going on, Charlie?

Charly Stoever: 00:01:25

Hi, Anthony. Thank you so much for having me and

Charly Stoever: 00:01:28

for manning the podcast booth. I'm super happy that

Charly Stoever: 00:01:31

you got to watch me pop Ms. Chica's cherry.

Charly Stoever: 00:01:34

It was her first podcast interview, and I love how you came up to us,

Charly Stoever: 00:01:37

and you were like, you be on my podcast since

Charly Stoever: 00:01:39

Charlie's popped your cherry. I was like, okay, you can pop my

Charly Stoever: 00:01:42

cherry, too. I need to be on about that wallet. Ah, now. So we're all just

Charly Stoever: 00:01:45

popping each other's cherries.

Anthony Weaver: 00:01:47

I know, right? It's a lot of popping going on over

Anthony Weaver: 00:01:49

here.

Anthony Weaver: 00:01:52

So one of the things that, uh, you know,

Anthony Weaver: 00:01:55

I was doing some research and learning a lot about your story, because

Anthony Weaver: 00:01:58

I didn't know who you were. I was like, okay, well, somebody's over

Anthony Weaver: 00:02:01

here ready to record. And that's

Anthony Weaver: 00:02:04

one thing I love about going to different conferences, that you

Anthony Weaver: 00:02:06

get to meet so many different people, so many different walks of life

Anthony Weaver: 00:02:09

and where they come from and, like, their journeys and

Anthony Weaver: 00:02:12

finance, you know?

Charly Stoever: 00:02:14

M. So, yeah, like, I would never have met you if it weren't

Charly Stoever: 00:02:17

for Fin Con. So it was really nice meeting so many people there

Charly Stoever: 00:02:20

and kind of meeting other people who were like my Internet friends.

Charly Stoever: 00:02:24

Um, and, and yeah, and just connecting in

Charly Stoever: 00:02:27

person with people because it can be really isolating. I've been running my

Charly Stoever: 00:02:30

own money coaching business for four years now,

Charly Stoever: 00:02:33

so it just, it doesn't, it's not the same. You have to

Charly Stoever: 00:02:36

meet people in person. I think fincon was a total reminder

Charly Stoever: 00:02:38

of that.

Anthony Weaver: 00:02:40

Yeah. And they always say like, the sense of

Anthony Weaver: 00:02:43

community is something that we

Anthony Weaver: 00:02:46

have to do as content creators to really make

Anthony Weaver: 00:02:49

it out there. And I'm not sure if I

Anthony Weaver: 00:02:51

totally agree, but I do think you do need

Anthony Weaver: 00:02:54

your tribe for like folks. They just kind

Anthony Weaver: 00:02:57

of do this thing the right way.

Charly Stoever: 00:03:00

Yeah. It's not necessary, but it sure helps me not

Charly Stoever: 00:03:03

feel so burnt out as an ambivert.

Charly Stoever: 00:03:06

I like recharging at night by myself.

Charly Stoever: 00:03:09

But I realized after fincon that I am a lot more

Charly Stoever: 00:03:12

extroverted than I thought I would be. So after

Charly Stoever: 00:03:15

fincon, I wasted no time like booking a we

Charly Stoever: 00:03:18

work to just have a co working space where I could work on my own

Charly Stoever: 00:03:20

shit myself. But, uh, around people.

Charly Stoever: 00:03:23

So yeah, it's not necessary. But depending on your personality type

Charly Stoever: 00:03:26

or how you get to get energy from people, do you

Charly Stoever: 00:03:29

get it but then need to recharge like me? I think for me personally it

Charly Stoever: 00:03:32

is a necessity for me to go to more conferences and be around

Charly Stoever: 00:03:35

other creatives and business owners in person.

Anthony Weaver: 00:03:38

Yeah. So what's the next one you go into?

Charly Stoever: 00:03:41

I know that travelcon is going to be in Tucson

Charly Stoever: 00:03:44

in uh, believe March

Charly Stoever: 00:03:47

of 2025. And I'm excited

Charly Stoever: 00:03:50

for that because I'm Traveler Charlie. Right. And my

Charly Stoever: 00:03:53

podcast is called Unicorn Millionaire and

Charly Stoever: 00:03:56

it's heavy on personal finance. But I've also traveled

Charly Stoever: 00:03:58

solo, uh, to 34 countries all over the world while

Charly Stoever: 00:04:01

running my business from as far away as Thailand.

Charly Stoever: 00:04:04

I was in Mexico for seven months and

Charly Stoever: 00:04:07

so I'm excited to go. Uh, just see how

Charly Stoever: 00:04:10

like my, my influencer ness, even though I'm a micro

Charly Stoever: 00:04:13

influencer, I have m less than 10k followers. But I love them. Um, they're

Charly Stoever: 00:04:16

loyal af and honestly, I don't need to go

Charly Stoever: 00:04:19

viral like my nook of the

Charly Stoever: 00:04:21

Internet because I don't know, this election I was not hitting that block button

Charly Stoever: 00:04:24

at all. I was like, these are my people. If anything I gain followers.

Charly Stoever: 00:04:27

But I'm excited to meet more travel creatives as well too in

Charly Stoever: 00:04:30

Arizona. And there must be money coaches and money nerds out

Charly Stoever: 00:04:33

there. Of course, of course.

Anthony Weaver: 00:04:35

Yeah. Because one of the things that I, uh,

Anthony Weaver: 00:04:38

love about your story is that you Didn't.

Anthony Weaver: 00:04:42

It's not like you didn't take. No, you've more.

Anthony Weaver: 00:04:45

More than likely took over. How come?

Anthony Weaver: 00:04:48

And more of a why? And like, your.

Anthony Weaver: 00:04:51

Your story is so curious of, you know,

Anthony Weaver: 00:04:54

just how does money work? And I remember

Anthony Weaver: 00:04:57

you're saying in one of your interviews

Anthony Weaver: 00:05:00

in the past, you were talking about how you

Anthony Weaver: 00:05:02

actually used to be a. If I'm

Anthony Weaver: 00:05:05

not mistaken, was it a

Anthony Weaver: 00:05:09

stockbroker? Yes, a stockbroker. I didn't.

Charly Stoever: 00:05:12

I want to say, like, finance, white men words. Yeah, that was the

Charly Stoever: 00:05:14

one. It was not Wolf of Wall street, y'all. I worked in

Charly Stoever: 00:05:17

a call center in Indianapolis sitting my ass on the phone,

Charly Stoever: 00:05:20

helping people reset their passwords and learning about stocks.

Anthony Weaver: 00:05:23

So, yeah, so talk about.

Charly Stoever: 00:05:25

I was making 45k. I was not rolling in it,

Charly Stoever: 00:05:30

but I felt like it. After doing the Peace Corps and making

Charly Stoever: 00:05:32

30k as a teacher, I was like, oh, I'm gonna buy a sports

Charly Stoever: 00:05:35

car. I did not. I was

Charly Stoever: 00:05:38

just making 45k. I was like.

Anthony Weaver: 00:05:42

But it started, ah, I love the humble story

Anthony Weaver: 00:05:44

is because a lot of people always

Anthony Weaver: 00:05:48

feel bad about getting paid a little

Anthony Weaver: 00:05:50

bit, but in the industry that they want to get

Anthony Weaver: 00:05:53

into, and I don't think you actually really wanted to get into finance, was

Anthony Weaver: 00:05:56

it, at that time?

Charly Stoever: 00:05:57

No, I wanted to teach social studies in high school.

Charly Stoever: 00:06:00

I was a history nerd. I loved learning about

Charly Stoever: 00:06:03

social studies. And I learned quickly

Charly Stoever: 00:06:06

in my 20s that no one wants to hire social studies teachers. Everybody

Charly Stoever: 00:06:09

just wants STEM and math and science to be,

Charly Stoever: 00:06:12

like, productive members of society. And I spent my

Charly Stoever: 00:06:15

20s doing the Peace Corps, AmeriCorps, all the core,

Charly Stoever: 00:06:18

Being overworked and exploited on food stamps, on

Charly Stoever: 00:06:21

Medicaid. And so by the time I was in my

Charly Stoever: 00:06:24

late 20s, I was like, this is not sustainable. I can't

Charly Stoever: 00:06:27

be dog sitting and blogging and side hustling,

Charly Stoever: 00:06:30

uh, all the time. And that's what made me pivot

Charly Stoever: 00:06:32

into personal finance. I didn't even get a

Charly Stoever: 00:06:35

real 401k with a solid match until I

Charly Stoever: 00:06:38

was 29, because I just did not want future me

Charly Stoever: 00:06:41

to work so much about money. And I'm so happy I did that.

Charly Stoever: 00:06:44

Which led me to become a money coach. Once I felt

Charly Stoever: 00:06:47

that relief of, okay, I don't need to worry about my future self.

Charly Stoever: 00:06:50

They're good, which is why I do what I do every day.

Anthony Weaver: 00:06:54

Yeah. So how is that breaking out into your own,

Anthony Weaver: 00:06:57

you know, because a lot of people are wondering about

Anthony Weaver: 00:07:00

their current jobs and trying to take that break

Anthony Weaver: 00:07:02

from, you know, that 9 to 5 and really go

Anthony Weaver: 00:07:05

full time all in, into that passion.

Charly Stoever: 00:07:08

I would say start your side hustle

Charly Stoever: 00:07:11

while you have your job. I like to

Charly Stoever: 00:07:14

see your job as your sugar daddy. In the

Charly Stoever: 00:07:16

meantime, before you peace on out, like, don't just quit

Charly Stoever: 00:07:19

your job and start a business. You have to

Charly Stoever: 00:07:23

start your business problem solve, uh, see what kind

Charly Stoever: 00:07:26

of problem you offer that people want to pay you

Charly Stoever: 00:07:29

to solve. And once you get that consistent income,

Charly Stoever: 00:07:32

then quit. And uh, now I'm saying do as I

Charly Stoever: 00:07:35

say, not as I do. I didn't.

Anthony Weaver: 00:07:39

I like the disclaimer there.

Charly Stoever: 00:07:40

Yeah, so don't come after

Charly Stoever: 00:07:43

me. But in

Charly Stoever: 00:07:46

2020, I quit my job

Charly Stoever: 00:07:49

when Covid, uh, was in full effect

Charly Stoever: 00:07:52

in August because I was ecstatic for the stock

Charly Stoever: 00:07:55

market to crash when Covid hit. Even though I was only making

Charly Stoever: 00:07:57

45k. I probably had like a

Charly Stoever: 00:08:00

50k net worth to my name, but I was like

Charly Stoever: 00:08:03

salivating that the stock market was crashing because stocks are on

Charly Stoever: 00:08:05

sale. And I was like, this is fucked up that I'm

Charly Stoever: 00:08:08

excited. I'm not even making that much money. And

Charly Stoever: 00:08:11

so I finally knew what I wanted to write my

Charly Stoever: 00:08:14

master's degree essay on because I kind of was like, well, I should

Charly Stoever: 00:08:17

get a master's because this 45k crap is

Charly Stoever: 00:08:19

not like paying the bills and stacking my

Charly Stoever: 00:08:22

401k that much. So I got a full ride to an

Charly Stoever: 00:08:25

MBA from Brandeis and then

Charly Stoever: 00:08:27

I quit my job and I moved to Mexico,

Charly Stoever: 00:08:30

which has a much lower cost of living. And I'm a dual

Charly Stoever: 00:08:33

citizen. I was born in Mexico, I was undocumented, did not

Charly Stoever: 00:08:36

become a US citizen until I was 21. And

Charly Stoever: 00:08:39

so I used my stocks, my savings

Charly Stoever: 00:08:42

to help me make that confident decision.

Charly Stoever: 00:08:45

And having an apartment that was 400 bucks a month, like a

Charly Stoever: 00:08:48

five minute walk from the beach, definitely helped me not

Charly Stoever: 00:08:51

stress out so much about money, which is

Charly Stoever: 00:08:54

how I was able to start my business. By the

Charly Stoever: 00:08:56

time I ended up having my MBA a year and a half later, I

Charly Stoever: 00:08:59

was like, I'm just going to keep working for myself this whole

Charly Stoever: 00:09:02

time because I never fit in at the 9 to 5.

Anthony Weaver: 00:09:06

That is amazing from

Anthony Weaver: 00:09:09

just using your stocks. Like, who would have thought to use your

Anthony Weaver: 00:09:11

investments now? Because right now a lot of people

Anthony Weaver: 00:09:14

keep thinking like, hey, you should stock your

Anthony Weaver: 00:09:17

money away until you're retired. Uh, instead

Anthony Weaver: 00:09:20

of looking at it like, hey, you can actually utilize it while

Anthony Weaver: 00:09:23

you're alive and

Anthony Weaver: 00:09:25

well and still young enough to

Anthony Weaver: 00:09:28

enjoy it, to travel. Because I know you've seen the

Anthony Weaver: 00:09:31

memes where it's like too old couple. That's like,

Anthony Weaver: 00:09:34

oh, we finally able to Retire and

Anthony Weaver: 00:09:38

we can't even do anything right.

Charly Stoever: 00:09:40

We fall asleep, right?

Charly Stoever: 00:09:45

Yeah.

Anthony Weaver: 00:09:46

How was that?

Charly Stoever: 00:09:48

I love breaking people's brains about that. I didn't

Charly Stoever: 00:09:51

know that you could just like, sell stock without paying a

Charly Stoever: 00:09:54

penalty to fund your life. But because I worked as a

Charly Stoever: 00:09:57

stockbroker and I saw how many casual millionaires are

Charly Stoever: 00:10:00

in this country, and I saw how mostly the

Charly Stoever: 00:10:03

middle class or wealthy white people were moving their money

Charly Stoever: 00:10:05

around for just daily expenses. They would

Charly Stoever: 00:10:08

call us and be like, I have to drop 20 GS

Charly Stoever: 00:10:11

on a down payment. Let me sell some stock in my brokerage

Charly Stoever: 00:10:14

account. They knew exactly what to do and from which

Charly Stoever: 00:10:17

account. They were not liquidating their 401ks. They were not

Charly Stoever: 00:10:20

touching their retirement accounts. They were touching the taxable

Charly Stoever: 00:10:23

brokerage accounts that are basically like high yield savings

Charly Stoever: 00:10:26

accounts on steroids where the gains are

Charly Stoever: 00:10:29

a lot higher. But also, if you're not

Charly Stoever: 00:10:31

careful, the dips can be a lot more dramatic.

Charly Stoever: 00:10:34

So you can't just like go in any day and expect

Charly Stoever: 00:10:37

to liquidate. You have to watch what the stock market's

Charly Stoever: 00:10:40

doing. But that's a pattern that I noticed these rich people

Charly Stoever: 00:10:43

do. They were using these accounts to grow their

Charly Stoever: 00:10:45

money way more than they would in a high yield savings

Charly Stoever: 00:10:48

account. Because the high yield savings account, you're just not losing

Charly Stoever: 00:10:51

money as quickly to inflation. That shit's not growing your money even if

Charly Stoever: 00:10:54

you're making thousands of dollars in interest in a month. And

Charly Stoever: 00:10:57

so that's something that, that I did

Charly Stoever: 00:11:00

again, as somebody who never made more than 45k, I stacked

Charly Stoever: 00:11:03

my brokerage account so that when I realized

Charly Stoever: 00:11:06

my master's degree was not helping me start my business at all. The

Charly Stoever: 00:11:09

master's degree just helps you become, uh, a toy in the

Charly Stoever: 00:11:11

system even better. And use fancy words to get the job. It

Charly Stoever: 00:11:14

does not teach you the skills for entrepreneurship. So I hired

Charly Stoever: 00:11:17

my business coach, Kat Del Carmen, a Latina business coach.

Charly Stoever: 00:11:20

And she at the time was only charging $3,000 for

Charly Stoever: 00:11:23

three months of coaching. And I was like, I'm not going to take out my

Charly Stoever: 00:11:26

emergency fund for this. So I, uh, sold $3,000 of

Charly Stoever: 00:11:29

Tesla stock because I hated Elon Musk. Anyway, while I was

Charly Stoever: 00:11:31

chilling on the beach at like 6pm and after hours

Charly Stoever: 00:11:34

trading, and I just moved money around and paid

Charly Stoever: 00:11:37

her. And then the next month I doubled my investment and made

Charly Stoever: 00:11:40

$7,500 in revenue through my

Charly Stoever: 00:11:42

money coaching business with very minimal

Charly Stoever: 00:11:45

expenses as an online business owner. I didn't have employees.

Charly Stoever: 00:11:48

I have to pay for a building or anything. So

Charly Stoever: 00:11:51

that's like. And uh, my clients,

Charly Stoever: 00:11:54

I love showing them how little cash I have. I have

Charly Stoever: 00:11:56

$0 in my checking account. You have no business

Charly Stoever: 00:11:59

storing cash in your checking account with this crappy interest rate, even

Charly Stoever: 00:12:02

an ally. And I have like 2k in cash at a

Charly Stoever: 00:12:05

time. And my clients just like, uh, who have like

Charly Stoever: 00:12:08

hundreds of thousands or tens of thousands in cash. And I show

Charly Stoever: 00:12:11

them I only have like 2k in cash at a time because of all the

Charly Stoever: 00:12:14

other levers I know where to pull from. It's

Charly Stoever: 00:12:17

really enlightening for them to see how,

Charly Stoever: 00:12:20

how differently people manage their finances. As long as you

Charly Stoever: 00:12:22

understand why you're doing it and like your reasons.

Anthony Weaver: 00:12:25

Yeah. So what is it something that somebody can

Anthony Weaver: 00:12:28

do now that are listening and they got, uh, super excited about your

Anthony Weaver: 00:12:31

story to say, like, hey, where can I start as far

Anthony Weaver: 00:12:34

as investing? What should they do?

Charly Stoever: 00:12:37

Listen to, uh, this podcast, Listen

Charly Stoever: 00:12:40

to my podcast. Don't go on Reddit,

Charly Stoever: 00:12:43

don't just listen to random ass people on TikTok, because they're just going to

Charly Stoever: 00:12:46

tell you what you need to hear, what you want to hear, not what you

Charly Stoever: 00:12:48

need to hear. Right. And

Charly Stoever: 00:12:51

even for the month of November, I'm offering one off calls, which

Charly Stoever: 00:12:54

I don't usually do. If you want to do those

Charly Stoever: 00:12:57

annoying things that you know you need to get done, like break up with

Charly Stoever: 00:13:00

Wells Fargo and their crappy interest rates or dump

Charly Stoever: 00:13:03

bank of America and leave that toxic relationship and

Charly Stoever: 00:13:06

open a high yield savings account. It's

Charly Stoever: 00:13:09

urgent now more than ever to be on top of your finances

Charly Stoever: 00:13:12

before the new year even starts. So that's why I'm doing,

Charly Stoever: 00:13:15

I call them, um, November money makeover calls

Charly Stoever: 00:13:18

for just 75 minutes. I can give you a

Charly Stoever: 00:13:20

Queer Eye makeover on your finances

Charly Stoever: 00:13:23

too. And if you like what I do, you can use

Charly Stoever: 00:13:26

that credit to add that to my

Charly Stoever: 00:13:29

six month money coaching program. Because I usually work with folks for

Charly Stoever: 00:13:32

only six months at a time, minimum. Some of my clients have been

Charly Stoever: 00:13:35

working with me for over a year because there's always more and

Charly Stoever: 00:13:38

more to build off. So that's my advice. Stop trying to do

Charly Stoever: 00:13:40

it yourself and find the free tips and the hacks.

Charly Stoever: 00:13:43

There's so much conflicting information out there from people that don't know

Charly Stoever: 00:13:46

what they're doing or who might not relate to your

Charly Stoever: 00:13:49

experience either. And like hire

Charly Stoever: 00:13:52

a coach or pay somebody to hold your hand through

Charly Stoever: 00:13:55

it for that accountability. So you make sure you actually get

Charly Stoever: 00:13:57

these things done because money can be scary and it's nice to have

Charly Stoever: 00:14:00

somebody walk you through it.

Anthony Weaver: 00:14:03

Yeah. And especially if they have that, like you Said that same background,

Anthony Weaver: 00:14:05

that experience because. Or at least

Anthony Weaver: 00:14:08

can relate to something. Because there's a

Anthony Weaver: 00:14:11

huge disconnect if you can't even speak the same language.

Charly Stoever: 00:14:14

Yeah, yeah.

Anthony Weaver: 00:14:17

And because, you know, my target audience

Anthony Weaver: 00:14:19

is the sandwich generation, so they have kids and also

Anthony Weaver: 00:14:22

they're taking care of their parents as well. So

Anthony Weaver: 00:14:25

what is it, um, something that you've been

Anthony Weaver: 00:14:28

doing to kind of prepare

Anthony Weaver: 00:14:31

yourself to deal with your parents as they get

Anthony Weaver: 00:14:33

older?

Charly Stoever: 00:14:35

So I'm. I'm trans and I'm queer and I'm actually

Charly Stoever: 00:14:37

estranged from my family, which is another

Charly Stoever: 00:14:40

reason why I am so gung ho about

Charly Stoever: 00:14:43

being financially independent, because I don't have anybody

Charly Stoever: 00:14:46

to really fall back on. Like, my

Charly Stoever: 00:14:49

dad left when I was 14 and he went back to

Charly Stoever: 00:14:51

Mexico. And I honestly don't know if he's alive or dead,

Charly Stoever: 00:14:54

which is something that's very painful for me to talk about and

Charly Stoever: 00:14:57

admit. Even though he was pretty emotionally abusive and narcissistic,

Charly Stoever: 00:15:00

uh, it still sucks to be like, I don't know

Charly Stoever: 00:15:03

what happened to my dad. But I know that some of your listeners can

Charly Stoever: 00:15:06

probably relate to this too. And I haven't seen my

Charly Stoever: 00:15:08

mom in eight years. Um, so

Charly Stoever: 00:15:11

I. It's like I don't have to worry about

Charly Stoever: 00:15:14

my parents now. Even though I will probably swoop in

Charly Stoever: 00:15:17

if I find out my dad's alive and needs help. I don't know.

Charly Stoever: 00:15:20

Or if he, um, isn't alive. I don't

Charly Stoever: 00:15:23

know either. So I know that regardless

Charly Stoever: 00:15:26

of if they need my help, I'm setting myself up

Charly Stoever: 00:15:29

first and making sure I'm good and not just

Charly Stoever: 00:15:32

living in emergency mode than the scarcity mode

Charly Stoever: 00:15:35

anymore. So regardless of if I know I'm going to have to

Charly Stoever: 00:15:38

take care of somebody or not, I have to take care of myself

Charly Stoever: 00:15:40

first. And I also don't have kids

Charly Stoever: 00:15:43

because honestly, I'm still reparenting myself

Charly Stoever: 00:15:46

and, like, healing my own

Charly Stoever: 00:15:48

traumas and finding out who I am.

Charly Stoever: 00:15:51

At 34, I feel like my life is still barely beginning

Charly Stoever: 00:15:54

because I have the money to allow me to dive

Charly Stoever: 00:15:57

into more fulfilling things instead of just living in

Charly Stoever: 00:15:59

survival mode. I'm able to be like, okay, who am I

Charly Stoever: 00:16:02

really? I'm an artist too. I love to paint and draw. If money

Charly Stoever: 00:16:05

weren't a thing, I would be out in the woods in a cabin,

Charly Stoever: 00:16:08

painting the trees with, like,

Charly Stoever: 00:16:11

goats and chickens and shit, but also close enough to go to

Charly Stoever: 00:16:14

the gay club and Zumba class to twerk my ass

Charly Stoever: 00:16:17

off.

Charly Stoever: 00:16:19

So, um, I think regardless of your situation, you

Charly Stoever: 00:16:22

got to take care of yourself first. And especially if you have parents

Charly Stoever: 00:16:25

and kids and all these people that you got to take care of. You have to

Charly Stoever: 00:16:28

prioritize yourself so you're not burnt out and

Charly Stoever: 00:16:31

just grasping

Charly Stoever: 00:16:33

because that really will affect your loved ones too.

Anthony Weaver: 00:16:37

Yeah. And that's one of the things that I notice a

Anthony Weaver: 00:16:40

lot of financial, as

Anthony Weaver: 00:16:43

you can say, um, not influencers,

Anthony Weaver: 00:16:46

but people who are providing the information. They don't

Anthony Weaver: 00:16:49

put into consideration of the people who don't have

Anthony Weaver: 00:16:52

a legacy to leave on. Besides, like, you know, for

Anthony Weaver: 00:16:55

me, like, I'm not going to have any children either.

Anthony Weaver: 00:16:58

And one of the things is that from

Anthony Weaver: 00:17:01

my piece, this is my Baby, the

Anthony Weaver: 00:17:03

podcast, this is my gift to the world. It's like,

Anthony Weaver: 00:17:06

hey, if this is my journey, these are the people

Anthony Weaver: 00:17:09

that I've met and had awesome opportunities, um,

Anthony Weaver: 00:17:13

to kind of have this great conversation with,

Anthony Weaver: 00:17:15

but that's it. Like financially, I'm, uh, like

Anthony Weaver: 00:17:18

this. For me, you can take what

Anthony Weaver: 00:17:21

you want because, you know, we only live

Anthony Weaver: 00:17:24

once and let's enjoy it.

Charly Stoever: 00:17:27

But yeah, and I know some people leave their money to their pets

Charly Stoever: 00:17:29

too. You can leave your money to a, uh, foundation or a

Charly Stoever: 00:17:32

nonprofit that you care about as well. Or if you're

Charly Stoever: 00:17:35

like queer like me and have chosen family,

Charly Stoever: 00:17:38

your beneficiaries, people you leave your money to does not have to

Charly Stoever: 00:17:41

be blood related as well too. So there's lots

Charly Stoever: 00:17:44

of options to leave a legacy. It just doesn't always have to

Charly Stoever: 00:17:47

be your kids.

Anthony Weaver: 00:17:49

I, um, like that. Yes. That is so true.

Anthony Weaver: 00:17:51

Thank you for bringing that on.

Charly Stoever: 00:17:53

Of course.

Anthony Weaver: 00:17:54

So for you, we're gonna slide on over to

Anthony Weaver: 00:17:58

the third segment here, which is the

Anthony Weaver: 00:18:00

futures. What skills or habits do

Anthony Weaver: 00:18:03

you feel is going to take you to that next level?

Charly Stoever: 00:18:07

Me personally?

Anthony Weaver: 00:18:08

Yeah.

Charly Stoever: 00:18:08

Uh, oh my God. I just thought of fincon and

Charly Stoever: 00:18:11

how I absolutely crushed it

Charly Stoever: 00:18:14

with all my skills that I've learned as

Charly Stoever: 00:18:17

a business owner. You have to market yourself.

Charly Stoever: 00:18:20

You have to hype yourself up. You have to talk about

Charly Stoever: 00:18:23

yourself because you're not Pepsi with a billion dollar

Charly Stoever: 00:18:26

marketing team reminding people to get

Charly Stoever: 00:18:29

in on this. You have to celebrate

Charly Stoever: 00:18:32

yourself and constantly introduce yourself.

Charly Stoever: 00:18:35

And as a business owner, that's something that has been ingrained in me.

Charly Stoever: 00:18:37

Whenever I hop on my Instagram at Traveler,

Charly Stoever: 00:18:40

Charlie with a Y come to work along with me.

Charly Stoever: 00:18:43

I start every single live, even some of my stories.

Charly Stoever: 00:18:46

I assume that there's constantly new people

Charly Stoever: 00:18:49

jumping into my radar and I'm always like, I'm

Charly Stoever: 00:18:51

Charlie. I'm a non binary Latinx money coach helping

Charly Stoever: 00:18:54

LGBT bipoc. And I took those

Charly Stoever: 00:18:57

skills of introducing and marketing and Branding myself with my

Charly Stoever: 00:19:00

bright ass outfits and bright colors to fin

Charly Stoever: 00:19:02

con where even people would just come up to me every day and be like,

Charly Stoever: 00:19:05

I love what you're wearing. I have loved watching what you're wearing

Charly Stoever: 00:19:08

every single day. Or they've been like, I love how you

Charly Stoever: 00:19:11

introduce yourself when every time you grab the mic to ask a

Charly Stoever: 00:19:14

question, you introduce yourself. I'm watching, I'm taking

Charly Stoever: 00:19:17

notes. And I think that that has been a skill that

Charly Stoever: 00:19:20

I've developed. And something that I want to work on this year is getting

Charly Stoever: 00:19:23

booked and paid to speak. Um, and do

Charly Stoever: 00:19:26

more. Yes. Public speaking engagements.

Charly Stoever: 00:19:29

And I actually, I'm coordinating with the local library in

Charly Stoever: 00:19:32

Seattle. Um, in the Seattle area, they're

Charly Stoever: 00:19:35

paying me 300 bucks to do a class that I proposed

Charly Stoever: 00:19:38

with just over email. We didn't have like a fancy meeting or anything.

Charly Stoever: 00:19:41

I was just like, I want to teach people about how to financially

Charly Stoever: 00:19:44

prep to buy a home. And they're like, okay,

Charly Stoever: 00:19:47

cool. How much you charge? And I was like, I charge way more than this for the

Charly Stoever: 00:19:49

corporations, but for the libraries. I love

Charly Stoever: 00:19:52

libraries. Like, I charge. I charge $5,000

Charly Stoever: 00:19:55

for a one minute reel for the corporations, but for the libraries,

Charly Stoever: 00:19:58

Like, I love libraries. So yeah, pay me 300 bucks. That's

Charly Stoever: 00:20:01

fine. It's like the price of my

Charly Stoever: 00:20:04

one hour money makeover call. It's fine because I'm trying to

Charly Stoever: 00:20:07

get into the practice of public speaking and I'm looking

Charly Stoever: 00:20:10

into hiring a videographer who will film me

Charly Stoever: 00:20:13

so I can make my speaker real and actually start pitching myself.

Charly Stoever: 00:20:15

Because if I don't have the real to show that I speak,

Charly Stoever: 00:20:18

how can I pitch myself too? So that's something that I'm excited

Charly Stoever: 00:20:21

to currently be working on in 2025. Getting

Charly Stoever: 00:20:24

booked and paid to

Charly Stoever: 00:20:27

speak.

Anthony Weaver: 00:20:28

There we go. I love that. And

Anthony Weaver: 00:20:31

you're very, uh, I guess you could say not

Anthony Weaver: 00:20:34

just throwing it out there, but you throwing it out there with

Anthony Weaver: 00:20:36

a little bit more detail of just like, yeah, I want to speak,

Anthony Weaver: 00:20:39

but I want to get paid too.

Charly Stoever: 00:20:41

I did that last year and it did not work out. Like, you have to make

Charly Stoever: 00:20:44

actions like manifestations cool, but

Charly Stoever: 00:20:47

you got to like, take action.

Anthony Weaver: 00:20:50

Yes. Uh, one of your catchphrases I

Anthony Weaver: 00:20:53

thought was actually pretty cool, which was make

Anthony Weaver: 00:20:55

money. Your your

Anthony Weaver: 00:20:58

bitch. Yeah, there we go.

Charly Stoever: 00:21:03

I can catch on this podcast, right? You're like, yeah, I

Charly Stoever: 00:21:06

don't catch, but you can. I was like, okay, cool.

Anthony Weaver: 00:21:10

Because, like, I want to, uh, do a deeper dive

Anthony Weaver: 00:21:13

into that just before we go to the final four. Because

Anthony Weaver: 00:21:17

what is the whole purpose of that particular phrase,

Anthony Weaver: 00:21:20

where did that come from?

Charly Stoever: 00:21:22

Because I saw so many people when I was starting my business,

Charly Stoever: 00:21:25

when Covid was hitting, people were afraid to talk about money,

Charly Stoever: 00:21:28

but there was still such collective grief and

Charly Stoever: 00:21:31

fear, especially seeing people

Charly Stoever: 00:21:34

wipe out years of savings from their

Charly Stoever: 00:21:36

401ks and selling out of the wrong accounts and

Charly Stoever: 00:21:39

just pulling everything out of the stock market when they saw

Charly Stoever: 00:21:42

red because they didn't understand what was going on, when in

Charly Stoever: 00:21:45

reality, they could have just held for a month or two

Charly Stoever: 00:21:48

and their money would have doubled. And there

Charly Stoever: 00:21:51

was a lot of pain and grief and fear talking about money. Especially

Charly Stoever: 00:21:53

in the queer community. Us queers, we love

Charly Stoever: 00:21:56

being anti, uh, capitalist. But you also

Charly Stoever: 00:21:59

got to be realist. And I think that that's a big pain point

Charly Stoever: 00:22:02

for a lot of queer folks. We're queer. We do things

Charly Stoever: 00:22:05

differently. And we don't like

Charly Stoever: 00:22:08

hoarding wealth. We don't like the idea of billionaires. But,

Charly Stoever: 00:22:10

like, we also, like I keep saying, especially if you're strange from

Charly Stoever: 00:22:13

family, like me, as a trans person, you got to take care of

Charly Stoever: 00:22:16

yourself. And to do that, you need money. And so that's why

Charly Stoever: 00:22:19

I coined that term of let's make money your

Charly Stoever: 00:22:22

instead of the other way around. Because that was the vibe that

Charly Stoever: 00:22:25

I was getting for a lot of people in my community.

Charly Stoever: 00:22:27

Like, let's talk about it. Get that whip out. We

Charly Stoever: 00:22:30

can dominate your money and be happy to watch your

Charly Stoever: 00:22:33

net worth grow.

Anthony Weaver: 00:22:35

Yeah. Um, because when you say dominate your money, I thought of,

Anthony Weaver: 00:22:38

like, fin dumps, and I was like, oh, uh, that's nice.

Charly Stoever: 00:22:40

Yes. Mask

Charly Stoever: 00:22:43

doms. Non binary doms. Uh, we love it.

Charly Stoever: 00:22:46

I want. I need a fem dom in my life because I'm tired of telling everybody what

Charly Stoever: 00:22:49

to do. So, um, I'm single if you're in the Seattle

Charly Stoever: 00:22:51

area or where are you? Are

Charly Stoever: 00:22:54

you? Where are you?

Anthony Weaver: 00:22:56

This is Maryland. M. But I do have a lot of people that listen

Anthony Weaver: 00:22:59

across the United States.

Charly Stoever: 00:23:00

Okay, good. I love D.C. as well, so

Charly Stoever: 00:23:03

I don't want to do long distance. I have 10 years of that as

Charly Stoever: 00:23:06

a digital nomad. No,

Charly Stoever: 00:23:09

maybe you're Maryland. I have a hot twin in Seattle. Like,

Charly Stoever: 00:23:12

hit me up.

Anthony Weaver: 00:23:14

I mean, hey, I mean, whoever's

Anthony Weaver: 00:23:16

listening, they might be able to travel. Like, you know what? I like to

Anthony Weaver: 00:23:19

travel, too. I'm just here, Maryland, for a hot second, you

Anthony Weaver: 00:23:22

know.

Charly Stoever: 00:23:25

Come on out. I'll show you all the green

Charly Stoever: 00:23:27

spaces in Seattle. Be a good

Charly Stoever: 00:23:30

time.

Anthony Weaver: 00:23:31

You're killing me.

Charly Stoever: 00:23:33

Coming to my wedding. Just saying,

Charly Stoever: 00:23:36

if you find somebody for me.

Anthony Weaver: 00:23:39

Okay, I got you.

Anthony Weaver: 00:23:43

All right, you ready? For the final four questions?

Charly Stoever: 00:23:45

Yes.

Anthony Weaver: 00:23:47

All right,

Anthony Weaver: 00:23:53

number one, what does wealth mean

Anthony Weaver: 00:23:56

to you?

Charly Stoever: 00:23:57

Wealth means options

Charly Stoever: 00:24:01

and self care. Especially with the

Charly Stoever: 00:24:04

selection just this week, the fact that I

Charly Stoever: 00:24:07

help people build wealth and make money. There, bitch. I

Charly Stoever: 00:24:09

realize my work is more important than ever. Just this

Charly Stoever: 00:24:12

week, I've gotten five massages because

Charly Stoever: 00:24:15

I've been so stressed out and I would not have been able to do that

Charly Stoever: 00:24:18

if I didn't have money, if I didn't know where to

Charly Stoever: 00:24:21

pull the money from, uh, and make that work and

Charly Stoever: 00:24:24

take care of myself so that I can keep showing up for my

Charly Stoever: 00:24:27

community. And yeah, money has allowed

Charly Stoever: 00:24:30

me to also cook way less. That was a big takeaway from Fin

Charly Stoever: 00:24:33

con when, uh, I talked to Rachel Rogers,

Charly Stoever: 00:24:35

who was one of the keynote speakers. She's like, y'all need to

Charly Stoever: 00:24:38

outsource more because you're doing these basic tasks like the

Charly Stoever: 00:24:41

laundry and cleaning when you should really be showing up on

Charly Stoever: 00:24:43

podcasts. And, uh, I told her when I got

Charly Stoever: 00:24:46

coached, I was like, I feel like I should cook because I don't have kids.

Charly Stoever: 00:24:49

I don't have a family to take care of. I have all this time, but I'm still drained cooking.

Charly Stoever: 00:24:52

And she's like, outsourced. And so I bought more pre

Charly Stoever: 00:24:55

made meals this week than I ever have in my life. And I have seen

Charly Stoever: 00:24:58

the difference, um, not having to

Charly Stoever: 00:25:01

spend so much time cooking and just getting

Charly Stoever: 00:25:04

back to business, but also resting like clockwork after a long

Charly Stoever: 00:25:07

day. I'm like, all right, time to go get a massage. I'm not

Charly Stoever: 00:25:10

thinking about it as much because especially as a single person, you

Charly Stoever: 00:25:13

got to make all the decisions. I don't have kids and stuff, but

Charly Stoever: 00:25:16

I also don't have a partner that can, like, cook me dinner or tag

Charly Stoever: 00:25:19

team with too. So as a single person,

Charly Stoever: 00:25:21

money helps me make, um, less

Charly Stoever: 00:25:24

decisions. I can rest and be in my zone of genius.

Charly Stoever: 00:25:27

So I love wealth building.

Anthony Weaver: 00:25:30

Love it. Number two, what was your

Anthony Weaver: 00:25:32

worst money mistake?

Charly Stoever: 00:25:35

Buying so many shares of Sorrento

Charly Stoever: 00:25:38

Therapeutics, which was popping in

Charly Stoever: 00:25:41

2020 when all the bros were were

Charly Stoever: 00:25:44

buying it. When I was a stock broker, I was like, what is the

Charly Stoever: 00:25:46

Sorento? Okay, it sounds like pasta,

Charly Stoever: 00:25:49

but I was day trading it too, and I made

Charly Stoever: 00:25:52

a few hundred bucks here and there was cute, but then I held

Charly Stoever: 00:25:55

onto it for way too long, thinking it was going to help me

Charly Stoever: 00:25:58

make money forever. And, um, it went

Charly Stoever: 00:26:01

bankrupt. And I've lost, like, thousands of

Charly Stoever: 00:26:04

dollars. Last year, just alone, I made a

Charly Stoever: 00:26:06

$5,000 stock sale where I lost

Charly Stoever: 00:26:09

that money because I got greedy and held Onto it for

Charly Stoever: 00:26:12

way too long and I had no business investing in it. So

Charly Stoever: 00:26:15

even as a stockbroker, you can make mistakes. Which is why I

Charly Stoever: 00:26:18

share my mistakes and losses with my clients

Charly Stoever: 00:26:21

too. Sometimes you got to pay the cost of market tuition,

Charly Stoever: 00:26:24

but now I know to buy low cost index funds.

Charly Stoever: 00:26:27

Maybe some Apple companies I've

Charly Stoever: 00:26:29

actually used and heard of instead of

Charly Stoever: 00:26:32

Sorrento and move on and mind

Charly Stoever: 00:26:35

my own business and spend my time money coaching and

Charly Stoever: 00:26:37

doing something more fulfilling.

Anthony Weaver: 00:26:38

So.

Charly Stoever: 00:26:39

So it's okay to make mistakes.

Anthony Weaver: 00:26:41

Love it. Number three,

Anthony Weaver: 00:26:44

what book got you back into reading?

Charly Stoever: 00:26:50

What book got me back into reading?

Charly Stoever: 00:26:53

Um,

Charly Stoever: 00:26:56

there. It has nothing to do with money

Charly Stoever: 00:27:00

because when I read books, I try not to read too many books about money

Charly Stoever: 00:27:02

because that's like my world all day I'm in it. And

Charly Stoever: 00:27:05

so I'm more of like a very creative person. And I just

Charly Stoever: 00:27:08

read a book called World of Wonders.

Charly Stoever: 00:27:11

I like reading about nature too. My inner child

Charly Stoever: 00:27:14

loves nature. As a kid I used to go out in the

Charly Stoever: 00:27:17

fields and like hunt ladybugs and draw them.

Charly Stoever: 00:27:20

And um, that was a book that really. It's a

Charly Stoever: 00:27:23

good storytelling book where she'll come up with like

Charly Stoever: 00:27:26

an animal or a plant and tie it back to her childhood and how it was

Charly Stoever: 00:27:29

significant for her. And I feel like that's something

Charly Stoever: 00:27:32

that I could see myself doing. And I love the

Charly Stoever: 00:27:35

COVID art too. So that book's helped me get

Charly Stoever: 00:27:38

back into reading.

Anthony Weaver: 00:27:40

Love it. Number four,

Anthony Weaver: 00:27:43

what is your favorite dish to make?

Charly Stoever: 00:27:47

I'm like, overcooking now that

Charly Stoever: 00:27:50

I've been going to Trader Joe's and buying all these pre made

Charly Stoever: 00:27:53

meals. I know how to cook, but I don't want

Charly Stoever: 00:27:56

to. So I think I'm more of, um,

Charly Stoever: 00:27:59

yesterday I made some cauliflower

Charly Stoever: 00:28:01

gnocchi with some, um,

Charly Stoever: 00:28:04

kale and pasta.

Charly Stoever: 00:28:07

Um, yeah, pasta is easy to

Charly Stoever: 00:28:10

make. I don't know why I keep thinking of enchiladas.

Charly Stoever: 00:28:13

I never fucking make enchiladas. I think in theory I would

Charly Stoever: 00:28:15

love to make enchiladas

Charly Stoever: 00:28:18

because it sounds easy. We'll just go with

Charly Stoever: 00:28:21

that.

Anthony Weaver: 00:28:24

Like drizzling salsa with some tortillas shells. Yeah, yeah,

Anthony Weaver: 00:28:27

yeah, yeah.

Charly Stoever: 00:28:28

Stick it in the oven, let it cook itself.

Anthony Weaver: 00:28:32

Uh, the last question of the show, which is where

Anthony Weaver: 00:28:35

could people find out more about you?

Charly Stoever: 00:28:38

Yeah, come find me at, uh, Traveler. Charlie

Charly Stoever: 00:28:41

with a Y. I'm mostly on Instagram. I

Charly Stoever: 00:28:44

repurpose myself and put it on TikTok too. But find me on

Charly Stoever: 00:28:46

Instagram and also have a

Charly Stoever: 00:28:49

mailing list and a mailing list series called

Charly Stoever: 00:28:52

Roth Freak Fridays, where every

Charly Stoever: 00:28:55

Friday I drop money gems about

Charly Stoever: 00:28:58

retirement accounts, particular Roth 401ks

Charly Stoever: 00:29:01

Roth IRAs. And I have a blog called

Charly Stoever: 00:29:03

Unicorn Millionaire. And last but not least, my

Charly Stoever: 00:29:06

podcast is called the Unicorn Millionaire

Charly Stoever: 00:29:09

Podcast. And I just celebrating releasing

Charly Stoever: 00:29:12

103 episodes and 5k

Charly Stoever: 00:29:15

downloads. It's just. Thank you about half as much

Charly Stoever: 00:29:18

as you, but like, most people don't make it past six

Charly Stoever: 00:29:21

episodes, y'all gotta celebrate these

Charly Stoever: 00:29:23

wins. Um, shout out to Anthony for having over 200

Charly Stoever: 00:29:26

episodes released. That's a huge fucking deal.

Anthony Weaver: 00:29:29

Thank you. All right, well, I

Anthony Weaver: 00:29:32

mean, it's been a pleasure. I would love to have you on

Anthony Weaver: 00:29:35

to kind of find out more about your adventures and so

Anthony Weaver: 00:29:38

forth. And guys, if you guys are listening to this and just

Anthony Weaver: 00:29:41

want to have, um, have them

Anthony Weaver: 00:29:43

on again, let's go on and make this happen.

Anthony Weaver: 00:29:46

Because, yes, learn more about this

Anthony Weaver: 00:29:49

investment investing side of the house as well

Anthony Weaver: 00:29:52

as quitting a 9 to 5. This is something

Anthony Weaver: 00:29:54

that a lot of people would like to do. And if that's

Anthony Weaver: 00:29:57

you, let's talk about it.

Charly Stoever: 00:29:59

Yeah.

Anthony Weaver: 00:30:00

So, Charlie,

Anthony Weaver: 00:30:03

it's been a pleasure. I can't wait to catch

Anthony Weaver: 00:30:06

up with you again. And thank you so much for coming on the

Anthony Weaver: 00:30:09

show and everybody, thank you so much. We

Anthony Weaver: 00:30:12

out. Peace.

Charly Stoever: 00:30:13

Peace.

Charly Stoever: 00:30:16

This is so much fun.