293: [Brianna Colon] Faith + Finances: How Spiritual Beliefs Shape Financial Freedom

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>> Brianna Colon: So that's one area just to say, okay, now

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that I realize I'm spending $500 eating

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out in a month, let me see how I can channel that

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back. But secondly is making sure you have a written budget.

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That's that it sounds really simple. But, uh,

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every day we see people who never have had one and they've been

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around. So even though it seems like

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sometimes the problem is not as big as people seem to

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think that it is. Oh, money is tight. Sometimes money

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is not tight. It's how you're managing that's the problem. So

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it's the same. We take the same money that they've already

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had and we turn that around and just free up, uh, cash flow

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so that they can redirect it to more important things that they say

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are their goal.

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>> Anthony Weaver: Welcome back everybody to another exciting show, the about that

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Wallet podcast, where we help the savage generation build strong

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financial habits so that they can spend money,

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talk about money, and enjoy their money with

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confidence. And today I have a person who is

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a three time author, a professional speaker,

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and very passionate about families and helping them achieve

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financial security, which really aligns with

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this podcast. And her name is

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Brianna Colon And I just want to thank

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you so much Rihanna for coming on to the show.

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And how are you doing today?

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>> Brianna Colon: I am doing fantastic. Great to

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hang out with you today.

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>> Anthony Weaver: Yeah, we had a, a, a, um, great laugh.

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>> Brianna Colon: Absolutely.

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>> Anthony Weaver: So one of the things

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uh, that you talk about in your books is about

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religion and also finances.

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What, mhm. Is the common theme that you found

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where the religious piece has really

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made such an impact for someone's

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finances?

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>> Brianna Colon: Well, it's impacted even just for me personally.

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I can speak from experience of uh, how

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uh, having my faith in God has

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absolutely had a direct impact on

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our finances, how we make financial decisions,

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how when we pray for things and you know,

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that are related to finances. Like we, we prayed

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for, um, and we asked God to help us

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to find a new place to live and we moved

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from one part of Maryland to another part of Maryland and

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we had to make a decision. We were selling our house and then we

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had to, you know, when you're in a new area, you want to rent.

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So anyway, long story short, we prayed

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and asked the Lord to help us find a new place to rent. Now this is an

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example of where we didn't listen to God but had the

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importance of the spiritual aspect of it and bring it full

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circle. So we were looking for a place

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to rent and couldn't uh, find anywhere. Everywhere

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was so expensive because where we were moving, the price of

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the houses were like, twice as much. So. But that's

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the beauty of having God the Father, because if

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he can create a whole heaven and earth, what makes us think that he can't

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find us one house that fits within our price range?

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But at the time, we were still growing

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spiritually, which, that's a lifelong journey. But at that

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point, um, we were getting down to the wire because we're a

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military family, and we felt like, oh, we haven't found anything. We just

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got to make a decision. So we signed on a dotted line for this

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house that was $2,700 a month to rent.

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Didn't even like the house. And not even a

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few days later, this lady reached out to us that I

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had inquired with but had not seen pictures of the house. She didn't get

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back to me, so I just assumed it was no, you know, so she got

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back to me and said, oh, I'm sorry I didn't get back to you. Um,

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but here's the pictures of the house. And the house

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was exactly what we were looking for. It was

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1800amonth, which was exactly what our mortgage was

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at the previous house. Had we just waited, we

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prayed, but we didn't wait for God to answer.

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But had we waited, you know, we would have been able to capture that.

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So fast forward a few years. Several, uh, about

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10 or 15 years later, we went to, uh,

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sell the house that we bought later and then, you

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know, buy another house. But anyway, this time around, we learned our

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lesson spiritually. We were like, okay, we're King's

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kids. We understand the power of prayer, and we are going to

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wait. We're not going to be impatient and not be in microwave

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society. So we did. We were determined at the time they told

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us, for real estate, oh, you're probably going to have to overbid to

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get the house and that kind of thing. And so we

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decided, uh, we're not doing that. We're King's kids. We don't.

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We don't have to operate that way. So we didn't. We ended

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up selling our house and had several people overbid

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for our house. But the house that we bought, we did not pay a

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penny over what they asked for and got money back

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at closing. So I'm just saying as

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a personal witness, that's just one of, uh, many accounts that I

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have in my journal of how God has had a direct

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impact in our lives financially. And we have

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seen with our clients, in working with them, one

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on one, many, many Times where they come in

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and they, they feel like they make good money, they don't have enough to

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show for it, but they're coming in trying to be better stewards.

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That is their goal. And as Christians, I

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have watched God bless them to where

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they, before money was tight. And uh,

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as they're making these adjustments and strategies that we're

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asking them to, they just start having blessings out of

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nowhere. People just, uh, they're getting promotions that

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weren't expected or some surprise

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check or something that's happening. And they fully understand

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that it's the power of God working in their life. That because they're

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becoming better stewards and striving for that,

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that leaves the room that, okay, now I can bless you in this

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way because you're going to be able to handle it. You're going to be able to handle what I'm

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trying to give you. So I'm shut up right there.

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>> Anthony Weaver: Oh, no, that is, I mean, so you keep going

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because it is one of the things that goes back to

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your motto of your, uh, business, which is change your mind,

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change your money and change your life. So can you talk a little bit

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more about that process?

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>> Brianna Colon: Yes, yes. So that is exactly how

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we help our clients. Our mission is to

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empower families to financial freedom

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using mindset and money strategy. So that motto, change

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your mind, change your money, change your life absolutely

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ties directly into the end result. If

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we want to be able to see something different, we got to be willing to do

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some things different. It's one thing to, uh,

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just, oh, I just, I just need to get on a budget and I'll

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be fine. Or I'm going to just file bankruptcy and then I'll

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just start fresh and I'll be good. That's not enough. That's a band

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aid. If we don't change the habits that led

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to the issue of the finances being tight,

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then how do we expect to have a long lasting result? We

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can't. So it's important to get to the root

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issues of why I'm not

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where I feel I need to be financially at this point

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in time. You may have someone that on the surface may

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say, like, I had a client that said, uh,

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well, I was unemployed for

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seven, um, months and so that caused me to get behind on the

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bills and it just caused a ripple effect and

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everything. Now that might have been an additional

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condition. Uh, but the root issue is you're not

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a saver. Because if you were properly saving and

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understood how to save from the beginning, that seven months would

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have Been a welcome vacation. It wouldn't have been a stress out. I can't

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pay my bills. So it's really, really important.

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And this is the reason why people end up filing for bankruptcy

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twice, because it's easy to say, well, they didn't learn their

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lesson the first time. No, they just didn't understand that they needed to

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get to the root issue of the money habits that have

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contributed to them being, in their own

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way, financially.

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>> Anthony Weaver: Because we talking to the sandwich generation here, which means that

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they have kids to take care of and also their care

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takers of their, uh, their parents. What

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strategies for the people who are tight right

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now to look even for retirement, to kind

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of breathe a little bit. Like, what strategies would

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you, um, I would say

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suggest for them because we can't recommend because,

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you know, you have to work with you to get some recommendations.

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But as a suggestion.

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>> Brianna Colon: Right, right. Well, one of the things that I find is very

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common with a lot of people is

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using the debit card. A lot of people have just gotten

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comfortable using the debit card for everything.

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Everything is swipe, swipe, swipe. But the problem is it

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gives us a false sense of what we're spending because

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we tend to get comfortable and feel like, oh, it was just $20,

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it was just $10, it was just 15, and before you know

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it, it was actually 400, it was actually 800. So

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one of the things that's a practical thing that they can do

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is to go back and look. If you're a debit card user and, you know, you don't

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cash and carry, go back and look at two

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months of, uh, bank statements and write down

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the categories for. We're not talking about the bills, we're talking about

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everything else you spent money on. And break it

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down by category. And look, look at how much you spend on

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gas, how much you spent on groceries, on

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shopping, on eating out. And you will

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be surprised, uh, at what you find out. People

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get amazing. Um,

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this is part of the homework process that we have our clients actually go through.

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But this is something practical people can do. But the point is,

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when people do do this, you know, they come back looking at

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it like, oh, my gosh, I can't believe,

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uh, I'm spending this much money in this area.

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What, Uh, I can't believe I gave $300 to

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doggone Starbucks. What was I thinking? You know, they

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just really don't realize. So just that little simple

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exercise raises your awareness

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to say, all right, I'm really tripping. Let me pull back in this Area.

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So that's one area just to say, okay, now that

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I realize I'm spending $500 eating out

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in a month, let me see how I can channel that

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back. But secondly is making sure you have a written budget.

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That's that. It sounds really simple. But, uh,

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every day we see people who never have had one and they've been

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around. So even though it seems like

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sometimes the problem is not as big as people seem to

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think that it is. Oh, money is tight. Sometimes money

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is not tight. It's how you're managing that's the problem.

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So it's the same. We take the same money that

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they've already had and we turn that around and just free

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up cash flow so that they can redirect it to more important things

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that they say are their goals. So sometimes it's just. You're

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so used to seeing it the way you're seeing it, it's hard to

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capture anything different or see the problem. So if they do that, those

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are just two practical things of,

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uh, let me pull two months of bank statements and see what

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I've really been doing and how can I pull back in that area?

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Maybe I actually could free up money that I didn't even know I

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could. Uh, you know, that, that's one thing.

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>> Anthony Weaver: Yeah, yeah, those, those are really good practical tips.

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And I'm trying to think of somebody so

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say if they. Have you ever had anybody

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actually faltered? Like they went through the program, they was like, oh,

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yeah, I love it, doing the thing, and then

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they failed again. What was the reason why they

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relapse?

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>> Brianna Colon: So the, the money behavior

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would be the reason. We have had, uh, maybe

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a couple, couple people, few people that, that have

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had. That had gotten on a good path and we had gotten to where

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I was only seeing them maybe every three months or every

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six months. You know, we have a graduation process here.

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So, um, but then they had had a relapse

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and. And it really was the one. I'll give

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one example. For the family, it was a money

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behavior issue of, uh, emotional

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spending. Making major financial decisions

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from an emotional state of mind is an

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issue for some people. And trying to overcome

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that habit, it takes time, which is why this

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is like a long process because you didn't get where you were overnight. So

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you're not going to get out of it overnight, but you have to have

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enough, uh, life circumstances happen

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to practice, uh, that new habit that you're

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trying to create and one of, in this case, emotional

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spending. So for that particular family, they had a family

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a Major family event where a family member had gotten

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sick and was in the hospital for an extended period of time.

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And that caused them to, oh, I'm just dropping everything,

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because the person, the family member was in the hospital in a

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different location, and it wasn't, uh, feasible for them

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to just be driving back and forth. So then it became, well, now we need

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to get an Airbnb. Now we need to. We need to, you know, so without

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even really sitting down to say, let me use my planning

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tool. Let me not forget all the stuff that I just spent a year or two

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learning. It was just the emotion of,

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oh, I got to be there. I'm going to do whatever's necessary, you

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know. And so that caused them to quickly

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start draining the savings that we had built and, you

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know, having more credit debt again, and so those

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types of things. And so now, you know, they. They, you

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know, were able to come back, of course, and we were able to address that and kind of

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get back on track. But that's just, you know, one example that

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can cause a person to be derailed if they just

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haven't. If they don't take a minute and just say, let me. Let me

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just hold up. Wait, wait, wait, wait, wait. Don't just. And

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do stuff. Um, I did learn some things.

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>> Anthony Weaver: Yeah. Because it goes back to the emergency fund.

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What are your thoughts on that? Common theme from the one person

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with glasses as ballheaded like to say that you only need

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$1,000 to, uh, for your

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emergency fund. So what are your thoughts on that?

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>> Brianna Colon: I disagree. I object, your

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honor. So

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it's $1,000 is the first goal. If you don't

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have any money saved, people have the right

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idea of, I know I should save money,

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but we don't always do good with saving with

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intention. Knowing what is the number I should be

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striving for. What's the magic number? Sometimes we can

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get to 10,000 and think we've done something that's an accomplishment,

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but that's not enough. So the first goal should be

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$1,000. If you have no money saved at all, I got to at

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least get to a thousand as soon as possible.

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Uh, the next goal after that would be to look at,

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again, going back to the budget, which is your planning tool, to see

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how much money do I bring in, what against, what are all my

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expenses, subtracting that. And so when you're looking at all of

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that, how much money does it take to run

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your house? We know your lifestyle number is what you're used

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to living off of the full amount of the check. But what is

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your necessity number? If you were laying out all of

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the bills, the groceries, the gas, everything that needs to be

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paid for, that has to be paid for in a given month and you

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lost your job tomorrow, what is that number?

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And whatever that number is, that becomes your next goal.

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That is my one month cash reserve goal.

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So once you have gotten to that goal, then you keep going two

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months cash reserve and it allows people again to

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start saving with intention. Because now that I understand

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that, now I can figure out how much money can I

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allocate to savings consistently every month

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and now I can set a goal date. People don't set goal dates like

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they should, which they make savings optional. Oh well, yeah, I'm

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not going to save this month because I had to take care of so and so and so and

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so they devalue savings. But saving

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money is just as important as getting out of debt.

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And you know, when people get a lump sum of money, what do they do most of the time

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they oh, I'm gonna pay off this, this and this, and I'm gonna spend this,

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this and this and I might save $50.

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What? That's backwards. No, if we

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get a lump sum of money and we don't have any money saved, we better be

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thinking about the savings because we don't know when an

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emergency is going to come. We don't get a heads up advance

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that the emergency is coming. So what happens if we put all

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this money on the debt and now an emergency comes, we didn't

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save nothing and now we're right back in debt again and then the cycle

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continues and we see that a lot with people. So

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anyway, the point is that you continue and

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so I used to say a six month

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cash reserve, but now that we've seen clients that

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have been out of work for extended periods, now

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we say 12 months. I call it the peace of mind package.

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And it sounds like a lot of money, but that doesn't mean you got to have it all

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in uh, in a savings account, earning point nothing percent.

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It just means that you have liquid cash that's accessible to

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you. If you're making a hundred thousand dollars a year, you should have

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way more than $10,000 sitting in your account.

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That's a great start if you used to saving, but you got to keep going.

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If you start thinking about that. Wait a minute, if I'm used to taking

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home six to $8,000 a month, how long

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is uh, $10,000 gonna last me? A

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minute, a short minute.

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>> Anthony Weaver: You Got that right.

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>> Brianna Colon: Yeah. You know, but people don't think about it

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from that perspective because many are not

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used to having lots of money. Like sometimes I tell

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clients, sometimes you got to give yourself permission that it's

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okay for you to have $50,000 just

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sitting up. It's okay for you to have 75,000.

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Like it's okay you making 100,000 a year. Why can't

Speaker: 00:15:58

you have 75,000 saved up, you know, and some.

Speaker: 00:16:01

But it's sometimes it's that simple. For it to click in people's minds,

Speaker: 00:16:04

change your mind is just giving yourself

Speaker: 00:16:07

permission. It's okay for me to have a lot of money. It really is okay.

Speaker: 00:16:10

I'm not working just to pay bills.

Speaker: 00:16:12

>> Anthony Weaver: Love it.

Speaker: 00:16:13

So we're going to move into the third segment here, which is the

Speaker: 00:16:16

futures. And what do you

Speaker: 00:16:18

see has been like in the

Speaker: 00:16:21

trajectory, the way how things are going? How do

Speaker: 00:16:24

you see that the sandwich generation can move to a

Speaker: 00:16:27

place where they have the most confidence? Um,

Speaker: 00:16:30

like, are there any strategies, AI tools,

Speaker: 00:16:33

like any new systems that you can think of that could kind

Speaker: 00:16:36

of help people solidify their

Speaker: 00:16:38

features?

Speaker: 00:16:40

>> Brianna Colon: M. That's a good one. How

Speaker: 00:16:43

to solidify their future.

Speaker: 00:16:48

I don't know of any AI

Speaker: 00:16:50

tools. I'm still getting into the AI

Speaker: 00:16:53

portion of the world, but technology.

Speaker: 00:16:56

But uh, in general, the best

Speaker: 00:16:59

way that you can solidify your future is to make sure you have

Speaker: 00:17:02

a solid financial plan. Because you have a

Speaker: 00:17:05

financial plan, then you also have peace of mind. You know

Speaker: 00:17:08

where you are now, you know where you're headed, you know where you're going.

Speaker: 00:17:11

And it allows you to

Speaker: 00:17:14

position yourself to always have a choice.

Speaker: 00:17:17

You know, when people start planning towards future as

Speaker: 00:17:20

far as like retirement and whatnot,

Speaker: 00:17:23

um, they. Again, this is another

Speaker: 00:17:26

area where people have the right idea but don't always know

Speaker: 00:17:28

how to do things properly. So we have the right idea of, uh,

Speaker: 00:17:31

we know we should put money aside so we can have money in the

Speaker: 00:17:34

future. Whether we're investing it, uh, outside of

Speaker: 00:17:37

retirement or whether we're just putting money aside for

Speaker: 00:17:40

retirement, but we don't always know if what

Speaker: 00:17:43

we're doing is going to get us where we need to be. That's a whole

Speaker: 00:17:45

different thing. It's one thing to have an investment account or a

Speaker: 00:17:48

retirement account, but if you don't have a retirement

Speaker: 00:17:51

plan, then what, what are we doing? You're just throwing money in and

Speaker: 00:17:54

hoping for an end result. We don't have to hope for the end result.

Speaker: 00:17:57

We can actually plan and know what the result is going to

Speaker: 00:18:00

Be. So that is, is protecting your

Speaker: 00:18:02

future. That is how you prepare, is let me make

Speaker: 00:18:05

sure that I am solid and that I understand.

Speaker: 00:18:08

How do I eliminate debt? How do I move to a

Speaker: 00:18:11

place of financial freedom both now and later? I want

Speaker: 00:18:14

to be able to live life on my own terms.

Speaker: 00:18:16

>> Anthony Weaver: Yeah.

Speaker: 00:18:17

>> Brianna Colon: Do what I want to do when I feel like doing it.

Speaker: 00:18:20

>> Anthony Weaver: Because I mean, like you said, it's having those options to do what you want to

Speaker: 00:18:22

do.

Speaker: 00:18:23

>> Brianna Colon: Yes. Positioning to have the choice.

Speaker: 00:18:26

Oh, key factor right

Speaker: 00:18:29

now.

Speaker: 00:18:30

>> Anthony Weaver: Do you have these conversations with your parents too, or

Speaker: 00:18:33

your husband's parents? Like, far as, like, what are y'all

Speaker: 00:18:36

planning on doing in the future? Like, are they

Speaker: 00:18:39

going to stay with y'all? Are you going to put them in like a

Speaker: 00:18:41

assistant living or you're gonna.

Speaker: 00:18:43

>> Brianna Colon: I'm putting them in the nursing home.

Speaker: 00:18:47

>> Anthony Weaver: Staying over here.

Speaker: 00:18:50

>> Brianna Colon: No, I'm kidding. But now,

Speaker: 00:18:53

yes, we absolutely have, uh, had those

Speaker: 00:18:56

conversations. And, and that's a good point that, that you're making

Speaker: 00:18:59

about the fact that we should have these conversations with our

Speaker: 00:19:02

parents. Sometimes that's the hush, hush conversation,

Speaker: 00:19:05

you know. Oh, I don't know. I don't want to tell you all that because

Speaker: 00:19:08

what, you're trying to kill me off? What's going on

Speaker: 00:19:11

here? So, yes, we did have the conversation

Speaker: 00:19:13

of, um, what do you have in place

Speaker: 00:19:16

for, uh, if you have to go into, well,

Speaker: 00:19:19

a. What type of care do you want to receive? If you get to

Speaker: 00:19:22

a point that you can't take care of yourself? Do you want to go into

Speaker: 00:19:25

assisted living facility? Do you want to have a caregiver come into

Speaker: 00:19:28

the home? And once we know the answer to that, then

Speaker: 00:19:31

the next question is, now we know how much that is going to

Speaker: 00:19:33

cost. Where is that money coming from? Do you have a long term care

Speaker: 00:19:36

policy? Do you have enough in your retirement assets to

Speaker: 00:19:39

cover all of those expenses? Is that going

Speaker: 00:19:42

to come out of my pocket? I need to know in advance

Speaker: 00:19:45

because I didn't plan that in my financial plan. That wasn't in

Speaker: 00:19:48

there.

Speaker: 00:19:50

>> Anthony Weaver: Right.

Speaker: 00:19:50

>> Brianna Colon: All right. It's not in my retirement plan. But we are,

Speaker: 00:19:53

uh, planning as far as in our

Speaker: 00:19:56

home having a suite on the main

Speaker: 00:19:59

floor so that if any of our parents need to come and live with

Speaker: 00:20:01

us, then we're, we're prepared from that standpoint to be

Speaker: 00:20:04

able to take care of our family. And actually my father, he

Speaker: 00:20:07

passed away a couple of years ago. I actually did have to have him come and

Speaker: 00:20:10

live with me. Um, but prior to that, years

Speaker: 00:20:13

prior to that, I actually sat down with him as well.

Speaker: 00:20:16

And said, hey, you know, do you have a will? You know,

Speaker: 00:20:19

what do you have? And he had none of that in place. He was

Speaker: 00:20:22

doing great financially. He didn't have any debt, but

Speaker: 00:20:25

did not have a will in place. So I helped him to get a will. That's another

Speaker: 00:20:27

area that we need to know as, uh, the, you know, the

Speaker: 00:20:30

ones that are taking care of our parents in the future. Those

Speaker: 00:20:33

are hard questions to ask sometimes, depending on the nature

Speaker: 00:20:36

of your relationship, but. But an important question to ask because

Speaker: 00:20:39

we don't want to be scrambling. It's enough to already be grieving when you

Speaker: 00:20:42

lose a loved one, but it would be nice for them to have their

Speaker: 00:20:45

stuff in order, get the estate planning done, do everything that you

Speaker: 00:20:48

need to do so that all of your finances are in

Speaker: 00:20:51

order. Do you know what life insurance your parents have? You

Speaker: 00:20:53

know, are you. Are they putting an executive executor on

Speaker: 00:20:56

the estate? And sometimes even when they have life insurance policies,

Speaker: 00:20:59

they don't always. Not all of them have had good policies.

Speaker: 00:21:02

>> Anthony Weaver: That's true.

Speaker: 00:21:03

>> Brianna Colon: We had a lady that. Her, um, A

Speaker: 00:21:06

client of mine whose mother was 79 at the

Speaker: 00:21:09

time, and they were trying. Her and her siblings had been trying to have conversation

Speaker: 00:21:12

with her about her important papers, if you will. And she was

Speaker: 00:21:15

not really trying to talk to them about it. It was, you know, one of them things. The

Speaker: 00:21:18

briefcases in the back, on the back porch. Don't touch it and don't

Speaker: 00:21:21

ask me. So, um, so anyway, she had been working

Speaker: 00:21:24

with me and asked her mom if she would be open to talking to me.

Speaker: 00:21:27

And so mom was open to meeting with me.

Speaker: 00:21:29

And we sat down and looked and went through all of her stuff and come to find

Speaker: 00:21:32

out her insurance policy was going to expire at 80 years

Speaker: 00:21:35

old. And she was 79. And we were like,

Speaker: 00:21:38

are you serious right now? That was such a blessing

Speaker: 00:21:41

and God's timing on, uh, me meeting

Speaker: 00:21:44

with her because, you know, who wants to be finding out at 80?

Speaker: 00:21:47

Oh, yeah, by the way, sorry, your policy is done. Sorry,

Speaker: 00:21:49

Sorry. Or if we let you keep it, you're gonna have to pay

Speaker: 00:21:52

$1,000 now instead of maybe the hundred dollars you were paying

Speaker: 00:21:55

before.

Speaker: 00:21:56

So we were able to fix that and get it all switched around.

Speaker: 00:21:59

But I'm just again stressing the importance

Speaker: 00:22:01

of having people that, um,

Speaker: 00:22:04

that, uh, making sure that you look at your parents stuff and make sure

Speaker: 00:22:07

they understand what they have. Because some of it they got a long time ago.

Speaker: 00:22:10

They got it from, you know, brother such and such who was selling

Speaker: 00:22:13

insurance, and they were just Doing, you know, helping them out. And they didn't really

Speaker: 00:22:16

understand everything. In fact, I got one more example, and I shut

Speaker: 00:22:19

up. I have a, um, client

Speaker: 00:22:22

that just reached out to me within the last week,

Speaker: 00:22:25

whose father is 84 years old,

Speaker: 00:22:27

and they're now having to keep paying more

Speaker: 00:22:30

into the insurance. The policy keeps, uh, going up,

Speaker: 00:22:33

keeps going up, and, uh, there's no end in sight. Uh,

Speaker: 00:22:36

it's going to keep going up every year. And they were trying to

Speaker: 00:22:39

decide, we put all this money into it. Do we keep it

Speaker: 00:22:42

at this point, or do we just, you know, try to suffer

Speaker: 00:22:45

through and keep paying on it? Like, you shouldn't have to be

Speaker: 00:22:48

making those kind of decisions with your parents at, uh, 84

Speaker: 00:22:51

years old. What in the world? So please have

Speaker: 00:22:53

that conversation hard or not hard, because eventually

Speaker: 00:22:56

you become the parents to your parent. So it's important to open

Speaker: 00:22:59

up that dialogue. Hey, I'm just trying to look out for you

Speaker: 00:23:02

and want to make sure that if there's any areas of deficiency,

Speaker: 00:23:05

that we address that together so that we make sure you have all

Speaker: 00:23:08

your stuff in a row. I got all my stuff in a row. And we're all doing

Speaker: 00:23:11

great financially.

Speaker: 00:23:13

>> Anthony Weaver: Love it.

Speaker: 00:23:14

Um, is there anything you want to leave a, uh, person that's

Speaker: 00:23:17

listening to this right now before we dive into the final

Speaker: 00:23:19

four?

Speaker: 00:23:21

>> Brianna Colon: Anything that you want to

Speaker: 00:23:23

achieve financially is possible.

Speaker: 00:23:26

Sometimes people will, uh, be afraid

Speaker: 00:23:29

to voice the things that they really desire and really

Speaker: 00:23:32

want because they feel it's so far out there that it's not

Speaker: 00:23:35

okay. And I don't know at all, based on my current

Speaker: 00:23:37

situation, when am I going to be able to achieve it? Your current

Speaker: 00:23:40

situation is your current situation. You have the ability to change.

Speaker: 00:23:43

Being broke, um, is optional. You don't have to be in

Speaker: 00:23:46

that particular place. Wherever you're at now financially,

Speaker: 00:23:49

is not where you have to be in the future. Financially, it's

Speaker: 00:23:52

important to get with. If you don't know how to do it on your own, then

Speaker: 00:23:55

it's important for you to get with a financial advisor that you can

Speaker: 00:23:58

trust so that you can get a solid plan. Because I'm

Speaker: 00:24:01

telling you, whatever you want financially is possible

Speaker: 00:24:04

with a good financial plan. You just gotta be

Speaker: 00:24:07

willing to change your mind, change your money, and that

Speaker: 00:24:10

will change your life.

Speaker: 00:24:12

>> Anthony Weaver: I love that. Full circle here.

Speaker: 00:24:16

>> Brianna Colon: That's what I do, you know? Yeah, yeah, yeah.

Speaker: 00:24:19

>> Anthony Weaver: Uh, so you ready for the final four?

Speaker: 00:24:22

>> Brianna Colon: Sure.

Speaker: 00:24:30

>> Anthony Weaver: All right, number one, what does wealth

Speaker: 00:24:33

mean to you?

Speaker: 00:24:35

>> Brianna Colon: Love it.

Speaker: 00:24:37

Wealth to me

Speaker: 00:24:40

means being able

Speaker: 00:24:43

to do what I want to do when I Want to

Speaker: 00:24:46

do it, live life on my own terms

Speaker: 00:24:48

continuously.

Speaker: 00:24:52

Because if I'm doing well continuously, then

Speaker: 00:24:55

that means those that are attached to me will be doing well

Speaker: 00:24:58

continuously because I can't take it with me when I die.

Speaker: 00:25:01

So, uh, but if I want to take a trip

Speaker: 00:25:04

and not have to worry about pinching

Speaker: 00:25:06

pennies, if I want to take a first class trip every time

Speaker: 00:25:09

I want to be able to do that, or making work

Speaker: 00:25:12

optional, all that fits into the same category

Speaker: 00:25:15

where work is optional, but I'm only 50 years old.

Speaker: 00:25:18

You know, like, that's creating wealth, the

Speaker: 00:25:21

ability to live life on your own terms

Speaker: 00:25:23

continuously.

Speaker: 00:25:25

>> Anthony Weaver: I like that number. Ah,

Speaker: 00:25:28

two. What was your worst money mistake?

Speaker: 00:25:32

>> Brianna Colon: Well, that's a good one. Having seven credit cards in

Speaker: 00:25:35

college.

Speaker: 00:25:38

>> Anthony Weaver: Wow.

Speaker: 00:25:38

>> Brianna Colon: Okay. I didn't grow up learning about money.

Speaker: 00:25:41

>> Anthony Weaver: Right.

Speaker: 00:25:41

>> Brianna Colon: And you know, even though my parents were doing fine, you know,

Speaker: 00:25:44

they, that's a cultural thing. We didn't always know

Speaker: 00:25:47

everything that we're supposed to teach. Of course, parents do the best they know how to

Speaker: 00:25:50

do. But, um, the financial area weren't

Speaker: 00:25:53

things that they taught me. So I just

Speaker: 00:25:56

learned on my own and signed up for every credit card they

Speaker: 00:25:59

offered me in college. You know, they offered me free stuff in

Speaker: 00:26:02

exchange for applying. So I just thought it was a good

Speaker: 00:26:04

idea. And before you know it, I had

Speaker: 00:26:07

seven credit cards. But I was working.

Speaker: 00:26:10

I was working. And so I, um,

Speaker: 00:26:13

figured I got my own money. I was playing. I was a musician and a

Speaker: 00:26:16

choir director. So I was making my own money and figured, oh, I'm

Speaker: 00:26:18

fine. But it almost cost me

Speaker: 00:26:21

marrying my now husband because we went to look

Speaker: 00:26:24

at the finances and said, hey, uh, he was

Speaker: 00:26:27

like, uh, you got a lot going on here.

Speaker: 00:26:30

And he almost didn't marry me because of my debt.

Speaker: 00:26:33

But luckily I had enough of everything else going on

Speaker: 00:26:36

that he married me anyway. And now here we are 30 years

Speaker: 00:26:39

later, but we work together to get out of debt is the point.

Speaker: 00:26:42

So. But 30 years later, we're still together. Be 30 years

Speaker: 00:26:45

this coming July.

Speaker: 00:26:46

>> Anthony Weaver: Congrats. Congrats.

Speaker: 00:26:48

>> Brianna Colon: Thank you. And I'm still 30 years old. Look at that.

Speaker: 00:26:50

>> Anthony Weaver: Yeah. No, right. Flawless over there.

Speaker: 00:26:53

>> Brianna Colon: Amazing.

Speaker: 00:26:55

>> Anthony Weaver: Um, this is a side question though. How important

Speaker: 00:26:58

is are the parents when it comes to the child's

Speaker: 00:27:00

finances?

Speaker: 00:27:02

>> Brianna Colon: It's very important because

Speaker: 00:27:05

if you don't teach them, it's either taught or it's

Speaker: 00:27:07

caught. It's one or the other. Either.

Speaker: 00:27:10

Either they're going to learn by you teaching

Speaker: 00:27:13

them or they're going to catch your bad

Speaker: 00:27:16

habits because they're around you. And they're learning everything

Speaker: 00:27:18

you do. We have seen generational

Speaker: 00:27:22

curses, uh, going on, uh, within our organization

Speaker: 00:27:25

and our families because we, we encourage our families to

Speaker: 00:27:28

make it a, make it a family affair when they start this

Speaker: 00:27:31

process, especially for those living with them. We tell them, look,

Speaker: 00:27:34

uh, you need to go ahead and tell your kids that, uh, you're

Speaker: 00:27:37

going on a financial path and they may be impacted by

Speaker: 00:27:40

these changes, but they need to govern themselves accordingly. So,

Speaker: 00:27:43

yes, it's a very big deal what you

Speaker: 00:27:46

do and how you manage your money is a very big deal as it

Speaker: 00:27:48

pertains to your kids. And there are things that you need to be teaching them along

Speaker: 00:27:51

the way that can help them to learn and be more

Speaker: 00:27:54

open. Sometimes parents aren't open about it, especially if they're not doing

Speaker: 00:27:57

well. But it's important to let the kids see

Speaker: 00:28:01

that helps them learn and prepare for adulthood. And sometimes you'll

Speaker: 00:28:03

find they'll keep you more accountable than you can keep yourself. Ma, you said

Speaker: 00:28:06

you were only spending 200 on the groceries. And you, you

Speaker: 00:28:09

had 260. You better register embarrassed. Like, shut

Speaker: 00:28:12

up.

Speaker: 00:28:12

>> Anthony Weaver: Talk about it.

Speaker: 00:28:13

>> Brianna Colon: Right? But I asked you shut up. But

Speaker: 00:28:16

you said so. Uh, so I think

Speaker: 00:28:19

that's, it's, um, the role that we

Speaker: 00:28:22

play in helping them to learn about money

Speaker: 00:28:25

absolutely impacts how they manage money

Speaker: 00:28:27

as adults. Because I have absolutely seen

Speaker: 00:28:31

moms manage money terribly. And then

Speaker: 00:28:33

it trickled down to the adult children that I meet with,

Speaker: 00:28:36

too, that also manage money terribly. So if we can

Speaker: 00:28:39

make changes and adjustments now, even if it's teaching them

Speaker: 00:28:42

to not do what you're doing, you know, that's still

Speaker: 00:28:45

helpful. That's still teaching. It's still

Speaker: 00:28:47

meaningful.

Speaker: 00:28:48

>> Anthony Weaver: I like that. Thank you.

Speaker: 00:28:51

Uh, number three, Is there a book that inspired your

Speaker: 00:28:53

journey or changed your perspective?

Speaker: 00:28:57

>> Brianna Colon: Think, uh, and grow rich. Napoleon

Speaker: 00:29:00

Hill. You know, our. Our mind, uh, it's

Speaker: 00:29:03

amazing. The brain is amazing. And

Speaker: 00:29:06

the things that we're able to

Speaker: 00:29:08

visualize and eventually,

Speaker: 00:29:11

uh, materialize, cause it to become a reality

Speaker: 00:29:14

later, is amazing. And I think if we really

Speaker: 00:29:17

understood how the brain works and the things that.

Speaker: 00:29:20

The control that we do have, the things that we can think

Speaker: 00:29:22

about and visualize,

Speaker: 00:29:25

um, many people would probably be a lot

Speaker: 00:29:27

further than they, than they are. Um, I had

Speaker: 00:29:30

a. I, uh, used to visualize,

Speaker: 00:29:34

um, a, ah, BMW before I bought

Speaker: 00:29:36

one. And not

Speaker: 00:29:39

just visualize like, oh, that's a cute car. But I mean, like,

Speaker: 00:29:42

spend time with my eyes closed thinking

Speaker: 00:29:45

about what it would feel like once I got in the car. I was seeing

Speaker: 00:29:48

myself in the car, like, I had the shades on. I was

Speaker: 00:29:51

looking in the rearview mirror, looking at myself. I had the top down.

Speaker: 00:29:54

I mean, you know, like, I was chilling,

Speaker: 00:29:57

right? And I actually had forgotten because I spent

Speaker: 00:30:00

time, you know, like, just a few minutes a day visualizing,

Speaker: 00:30:03

thinking about it, because I was like, this is on my vision board, and I want

Speaker: 00:30:05

one. And then some. It took some

Speaker: 00:30:08

years before I bought it, but. And by the

Speaker: 00:30:11

time I bought it, I actually had forgotten that I had been thinking about it, actually, because

Speaker: 00:30:14

I had stopped thinking about it and moved on to other stuff. But then it

Speaker: 00:30:17

hit me one day after I had the car, and I was

Speaker: 00:30:20

like, oh, I had been visualizing about

Speaker: 00:30:23

this thing. Oh, my goodness. Oh, look at that. Look at

Speaker: 00:30:25

that. But, you know, this amazing that, you know,

Speaker: 00:30:28

the things that we think about. Everything starts with a

Speaker: 00:30:31

vision. This company I have right now started with a vision. I knew

Speaker: 00:30:34

I wanted to be able to help people with their finances.

Speaker: 00:30:37

Uh, and I wanted to really help the people who would not

Speaker: 00:30:40

ordinarily pick up the phone and say, I need a financial advisor.

Speaker: 00:30:43

The. The. That middle group. So I, um.

Speaker: 00:30:46

And God has done just that. That. This. That we. Has.

Speaker: 00:30:49

Has allowed us to just help people to change their

Speaker: 00:30:52

financial life in ways that they never knew was possible. So that

Speaker: 00:30:55

whole visual thing. Oh, my goodness. Yes.

Speaker: 00:30:59

>> Anthony Weaver: I love it.

Speaker: 00:31:00

>> Brianna Colon: Please do visualization. Yes.

Speaker: 00:31:02

>> Anthony Weaver: Yeah. And to make that.

Speaker: 00:31:03

>> Brianna Colon: Ah, Think and grow rich.

Speaker: 00:31:05

>> Anthony Weaver: There you go.

Speaker: 00:31:06

>> Brianna Colon: Yes. Think and grow rich.

Speaker: 00:31:09

>> Anthony Weaver: Number four, what is your favorite

Speaker: 00:31:12

dish to make?

Speaker: 00:31:15

>> Brianna Colon: Well, that would require you to actually like to cook.

Speaker: 00:31:22

Okay. My favorite dish, okay. Of,

Speaker: 00:31:25

uh, the handful of dishes that I cook

Speaker: 00:31:28

is macaroni and cheese. Uh, you can't touch me on the Mac

Speaker: 00:31:30

and cheese. I mean, you know, I mean, you got to complete

Speaker: 00:31:33

the meal with some baked chicken, maybe some green beans or

Speaker: 00:31:36

something like that. But, uh, but the macaroni and cheese,

Speaker: 00:31:39

you know, not everybody can make good Mac and cheese. But

Speaker: 00:31:42

mine. Oh, can't be

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touched. Can't be touched. I haven't had anyone yet that's like, oh,

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what is this? So if there's

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a competition, you know, for all you macaroni lovers out

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there, sign me up. Okay.

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>> Anthony Weaver: All right. So y'all heard it. I mean, if y'all gonna make some macaroni and

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cheese, look, just tag me in those photos, and then

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I'll tag the rest. Let's make it happen.

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>> Brianna Colon: Yes, we can do that. We can do that. In fact, we're having. We had

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a, uh. We're decided in our worship team at church

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that we were, uh, gonna have a Bake Off Macaroni Bake

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off that we. That's coming up this summer, actually.

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That's how serious it is.

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>> Anthony Weaver: You gotta take video for that one.

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>> Brianna Colon: Because I. I'm gonna have to do it and I'm gonna send it to you because it's

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serious business.

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>> Anthony Weaver: Apparently.

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Uh, so this is the last question of the

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show, which is where can people find out more about

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you?

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>> Brianna Colon: Well, I am on social media on

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Facebook, Instagram

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and LinkedIn. And, uh, my. My

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website is my name

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www.briannacolon. b R

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E A N N A C O L

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O N. Looks like colon, but it's Colon

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Briannacolon.com and, uh, on social

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media, all of my social media, um,

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names are at the at sign at

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Imbrianna M Colon You can find me on any of

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those platforms if you just type in@iambrianna

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colon. Easy to find. And our

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company is integrityfsi.com. that's the website

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for the company. Integrityfsi.com.

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thank you so much for having me. This has been really fun.

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>> Anthony Weaver: Awesome. All right, well, thank you,

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everybody. Y'all be safe. We out. Peace. Bye.