297: [Darla Bishop] Take Advantage: How To Afford Everything

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>> Dr. Darla Bishop: And it's. It's also easy. I think it's

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easier to listen to someone who starts with love, right? I always

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start with love. Instead of like, I can't believe you made

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that choice. Like the books, right? The full

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circle going back to the earlier in this conversation, like, instead of

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me, like, I can't believe you got into credit card debt. I can't believe you took out

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that kind of loan. I can't believe you chose that apartment. It's so expensive. It's like,

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oh, well, why'd you choose that? Okay, what made you make that decision

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is that is this choice hurting other things

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in your life? And how do we make the adjustment? Like, starting with love,

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and that makes a big difference. And people

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willingness to listen.

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

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that Wallet podcast, where we help the sandwich

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generation build strong financial habits where

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they can spend money, talk about money,

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and even enjoy their money with confidence.

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Today I have somebody who has been doing such

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an amazing job, even came up with a book on how

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to afford everything. And you know what, you

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sandwich generation folks, it is very

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important that you know that

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it is tight with your money, dealing with your kids,

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and also dealing with your parents. And the person I have

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in on today is Dr. Dollar Bishop. How

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you doing today?

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>> Dr. Darla Bishop: I'm excellent. I'm so excited to talk with you.

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You know, in the pre show, we talked about how we were at Fincon together this,

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um, in 2024, and how I'm just super

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thrilled to be with you today. Thank you for having me.

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>> Anthony: No problem. Are you going to fincon this year?

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>> Dr. Darla Bishop: Yes, I bought my ticket. I've been watching, um,

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flights, but I think it's too early to buy. Um,

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I'm really trying to get a speaking gig so that way the trip can be

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funded slash sponsored by somebody else.

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>> Anthony: I know, right?

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>> Dr. Darla Bishop: One of the ways to afford everything. Okay, there you go.

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>> Anthony: It's, uh, it's not what they say. It's not who

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me, it's not what, not how, but who

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to figure out. Because I'm trying to do the same thing. And I was like,

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if I become a speaker, I'm like, who is going to sponsor my slides?

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Like, I want to put their. Their branding across the slides. Like,

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we can make this work.

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>> Dr. Darla Bishop: Yes. And like, my mama gonna be mad when I say this, but I'm

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for sale. Dr. Darla Bishop is for sale.

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Sponsor me.

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>> Anthony: That's how we gonna start this show off. Okay, so she's up

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for sale.

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Um, but one of the things so you come

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up with the title, such a bold title on how

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to afford everything. Uh, what was the

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idea behind it, and what do you hope people to get away from it?

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>> Dr. Darla Bishop: Yeah, that's exactly it. I wanted to make a bold promise to

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readers because I really

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wanted people who were either

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scared to pick up a book about money or who

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had previously been hurt by a book about money

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to pick this one up. And

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if you've ever worked on a big project, you know,

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like, when it came to this book, I was waiting

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for the book to tell me its title, right?

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I was like, okay, we're working through the chapter. I had a great editor.

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We were working through the chapters one by one. She's like, okay,

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we got to start working on the COVID art. Uh, what's the title going to be? I'm

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like, I'm waiting for the book to tell us. I'm waiting for the book to tell us.

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And the book didn't quite tell us. She was like, well, I need you to tell

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me, because we got to make this cover.

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And so I just, like, got real quiet one day and

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thought, well, what. What is the promise of this book?

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What is it that I want people to see when they see the

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COVID and think about.

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And I thought about all the conversations I had had with

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friends, family, co workers,

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people on the street who, like, let me get in business a little

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bit. And so much of what would come up is

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like, I just want to know how to afford everything. Like, I just want to know how to

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do. I just want to know how to. But that everything

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wasn't like yachts and trips to Bali

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for some. A couple people, it was. But it was like, I want to just

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be able to put the bills on autopay. I want to be able to. When

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my kid is at the store and they ask for something that I

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want them to have to be able to say, yes. When my mom

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or my auntie or my uncle has a small

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problem that a little bit of money could solve, I want to just be able to

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solve the problem. Like, I just want to be able to do everything.

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And I was like, you know what? That's. That's the title.

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How to afford everything. Because everything for you

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right now might be as simple as, I just want to be able to put these bills on

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auto pay.

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>> Anthony: Yeah. I mean, sometimes even just getting to that level,

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it's a lot. And I like that the title is

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so bold that you actually providing a way,

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like, hey, you can actually do this.

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Um, so you also mentioned that you read over, like, a hundred

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books in finances. So

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what were the, like, the major things behind that? Like, what

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even drove you to even do that many books in

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finance?

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>> Dr. Darla Bishop: Yeah, so I did. I think the last count. I'm up to, like,

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140something now, because it's. Now it's also just

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my favorite thing to read. Um, what

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really got me started is when I went to college,

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I got there on a prayer and a scholarship, not because I wasn't

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smart. Oh, I'm smart. Okay. Like, I have a whole doctorate to

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prove, in case you ever wondered if I'm smart. But

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we had so many family things going on that

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financially, I wasn't sure I could even

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physically get to school by the day I needed to be there. Although I

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had a scholarship and although I had,

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um, the acceptance and the dorm

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assigned to me, it was like, can I even get a ride? Can I

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physically get to school on the day

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I'm supposed to be there? Because I don't even know if we have the money

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for that, right? And I. And. But then I

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had classmates who had parents who, during the

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move in, were with us the whole week,

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taking us to dinner, you know, make.

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Asking us all about our lives, you know,

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taking us to the big box store and like, oh, get whatever

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you need. Um, and I had a classmate with a Range

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Rover, and I was like, okay, their lives are

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completely different than mine. I barely made it to

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school by the day I needed to be here.

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And their parents dropped them off with their Range

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Rover and writing checks for tuition,

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and I'm here with them. And so I

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just got to learn the money part because I'm at smart,

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possibly even smarter than these kids, because

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I had to navigate a whole bunch of other stuff to get here

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at this educational institution. And so I can learn the

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money part. And let me tell you, as a poor kid, we spent a lot of time in the

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library. So me and the library go. Go together

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real bad. So I was like, there got to be a book about this. There's a book

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about everything. So I went. And that campus

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had seven libraries. Plus, because we. If you lived

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on campus, you also had access to the city library.

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I was like, I got access to seven, eight libraries.

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So I started checking out books about

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money. I think one of the first books I read was Girl, get

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your credit straight. And, like, I didn't even have any credit, but I was like,

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it's a black author, is a black author.

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Michelle Singletary wrote the. You know, the comment

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on the back, And I was like, she's huge. She walked. She writes money

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columns for the Washington Post, a national newspaper.

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Like, let me read this book. I think I read Personal Finance for

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Dummies. And then Susie Orman was big at that

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time. So I was like, oh, Susie Orman is my girl.

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And so I just kept reading books because one,

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every book had a slightly different

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angle and a slightly different order

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and a slightly different set of stories and examples.

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And one of the things that drove me to read so many

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is so none of them

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had what I needed. So I kept looking for what I needed.

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I was looking for a book that would tell

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me how to contribute to my family at home

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because I was contributing to my family back home. How

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could I do that and secure my own future

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without like, um, without

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saying no to them or myself? Like, how could I do both?

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And none of the books told me how to do that. The other

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thing is a lot of the books talk to me bad.

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Like I picked up, I, I took my time, I went to the far

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library, I put this book on hold,

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it finally became available. I get the book. I'm excited to

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finally read it because I've been waiting and one of the first things you tell me

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is I'm stupid, I'm dumb, I made bad choices. And I'm like, hold up,

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that's not, that's actually not my reality.

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I'm out here doing the work,

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literally and figuratively to figure money out and you want to talk

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bad to me? And I was like, mhm. I'm going to write a book

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that has that love in it

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and that celebrates wherever

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it, whatever it took you to get to the point of picking up a book

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or listening to this podcast because

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I didn't like books made me mad. I would still read

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it, but I would be mad as I was reading it. Like, don't talk to me like this.

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Don't nobody talk to me like this.

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>> Anthony: You don't talk to me like this. You know who I am. Like

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you don't know me, you don't know where I came from.

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So um, but having that ah, understanding

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of what the love and care for the people. Because

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you know, I grew up in the Pirates neighborhood as well

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and figuring things out is interesting,

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uh, because we had to, you know, with the bare minimum.

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And it's funny that I can thrive in any

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environment. Like if we just say like, hey,

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as a leader who, you know, when you switch

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jobs, they'd be like, hey, well we're just going to throw you in this pile. We're

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just going to Give you everything that we don't feel like dealing with.

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I'm like, cool. I pretty it up, make it

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look good, send it back, automate everything

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because I don't feel like doing it myself. And then they

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was like, well, good job paddling back,

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maybe get 25 cent raise.

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Okay. But I don't get upset with the raised part.

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I was like, at least I learned a new skill, move

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on to that next level.

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And it seems as though you took a lot of

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this information that you've gained

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and try to, not try to, but you actually

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did turn this into a medium that

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is something that people can actually gravitate towards

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and actually build from your experiences

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to take themselves to the next level.

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So like, how has your parents

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like help with, I guess you could say

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the, the drive for everything that

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you're doing today?

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>> Dr. Darla Bishop: Yeah, I mean part of it was,

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I remember thinking it shouldn't take this many books.

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It should not take this many books. Like, and I,

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I love to read, right? Like reading and now

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listening to audiobooks and listening. I love

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consuming new information and learning things.

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But I know it's a lot of people who, if they never had to pick up a book

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again in their life, they would be fine. Right?

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And so if it really takes you 70,

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80, 100 books, are you going to learn the

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skill? And so, so what drove me to

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do it was really like, maybe I can save

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somebody some years and some tears. Maybe if I put all

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this information and put it into stories from

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my own life. Somebody who needed stories like

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this reflected to them along with

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the well researched lessons

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that they'll be like, oh, I get it now, I

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get it now. And my parents,

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what I will say is, while we might not have had money,

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you know, the women in my family gave me

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so many deep, wonderful gifts and

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richness in myself.

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Like, you know, some people talk about imposter syndrome. I don't even know what that

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is. I can barely pronounce it. And

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part of that is because from a young age,

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from an early part, the, the people in

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my life told me, oh baby, you can do anything you want to do.

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Follow the rules, watch, pay attention,

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be kind and gracious, and that will get you incredibly

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far. And they were all right, right?

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Like, and if you are. And I remember,

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I can't remember what exactly happened, but there was

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some situation when I was a young child, I think I, oh,

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it came to me. It came to me. I won a contest, I won

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an art contest for third graders. And

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the, my art was going to be in the Detroit

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Institute of Art. This is a world

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renowned, um,

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art institution, right? Like, it's constantly on the

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list of the best art institutions in the world. And I remember

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being like, nervous, like, well, why did they pick my picture? I didn't even

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think my picture was that good. And my mom told me,

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baby, anywhere in this life

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that you get invited to that you

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accidentally happen on, you're supposed to be there. So

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go and be happy and introduce yourself.

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And so I've carried that with me everywhere.

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And so if we can teach people

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at every stage in their life that like, actually if you ended up

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somewhere, even if you ended up there by accident, you're supposed to

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be there and take advantage. Because, you know, take advantage has two meanings.

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Take advantage means to take more than maybe you should,

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but it also means to be present

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and fully participate in the

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experience. So take advantage.

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>> Anthony: I like that because it's like how you said we

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both went to fincon, but it's like, did we really

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take full advantage of what they had to offer? And I

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think yes, because obviously we're meeting now. Um,

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we taking advantage of the network, we took advantage of

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the space branding,

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um, getting connections with other financial folks that

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we didn't even know were possible or even out there.

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Um, shucks. I think

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without fincon, I don't think I would have gotten this far

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with the podcast. Honestly, I probably would have stopped a long time

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ago, but who knows? Um, and

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when it comes to taking event, um, Oh, I might

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call that the episode title. Like this.

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>> Dr. Darla Bishop: Oh, I love it. Yay. The episode told us it's

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title, right?

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>> Anthony: Uh, because it's like, how do you take advantage

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of, like, what does really taking advantage

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mean to you? Almost like. But I mean, you already gave me your

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answer. But I'm thinking for the person that's listening right now, what does

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really taking advantage? Are you really taking advantage of your work,

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of your job, of

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uh, your living space, of your, your car,

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your vehicles, like whatever it is, Are you really taking full

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advantage of that?

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>> Dr. Darla Bishop: Yeah. Are you making full use? And

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one of the things that I've been working to, a part of my

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business I've been working to grow is doing financial, well,

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talks and workshops at, at employment,

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at companies for their employees. Because

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what I figured out is even in the company I work

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for, people are not taking full advantage

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of their benefits, right? They might participate

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in their, their health insurance, their life insurance,

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they might be doing the, the savings accounts

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for, um, you know, child care or

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for health. But

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many companies, especially if you work For a mid size or larger

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company, you have a ton of benefits available to

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you that could make your life work smoother,

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could reduce your out of pocket costs, could

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reduce your tax liability, and it's right there in the

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handbook. So are you reading the handbook? Are you

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checking when there's changes? Are you making sure that you're

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getting the full match? Are you taking advantage of the fact

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that when you have the life insurance, you can

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get a basic will made through the life insurance company?

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Are you taking advantage of the enrollee, I'm sorry, the

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employee assistance program. Are you

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making full use of the different programs

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and discounts that your company has arranged

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for you? Because if you're not, did you know you're giving yourself a pay cut that's part of

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your compensation? And you not taking full advantage

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is almost like giving yourself a pay cut. And do we do

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that? I don't think we do that.

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>> Anthony: We don't do that enough, I'll say that. Because the cool

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thing about the employee assistance program is that, ah,

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it renews every year. So if you need

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therapy, you can go to therapy that I think they give you 12

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sessions. So once a month you go and

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then you can just re up next year. Like at least

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let me get south. Yeah.

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>> Dr. Darla Bishop: And I'm a military spouse and so we move

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every. Our average will go up a little bit, but we move every

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2.7 years. And so that

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means that I have to have all new helpers, right?

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I have to get a new therapist sometimes. I have to get a

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new hairdresser, I have to find a new nail shop. I have to find new

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doctors for myself, for my kids. Kids.

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And the amazing thing that the

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EAP helps with every time we move is

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it gives me a shortcut to a therapist. And a lot

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of times I can, through the health insurance I can say, hey, our address

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is changing. Could you please help me find a

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new primary care doctor for my kids

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so that it saves me some of the stress of doing that by

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myself? Like I can ask for help. Like,

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please give me a list of pediatricians that are in this

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zip code that can help with this issue and treat

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patients this age. Right. So they're saving me time.

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And time, boy, is the most valuable thing we have.

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>> Anthony: Okay, yeah, that is true. And we don't have much

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of it when you really think about it.

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Um, because you know, tomorrow's never promised. So.

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But the cool thing about it, at least while we're here, we take like

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taking advantage of our time

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by doing these things. And this Is awesome. I like

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this.

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Uh, my mind is going now, but

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let's go back to the family thing because,

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um, when it comes to. Because a

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lot of us, we either dealing with our family, we're dealing with our parents,

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um, and I don't have kids, but most people,

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like, people who have kids, are dealing with their kids

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as well. What is it like,

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um, bringing your kids up into this new

Speaker: 00:17:22

you when it comes to the finance side of the house?

Speaker: 00:17:25

>> Dr. Darla Bishop: Oh, we are so intentional about it, because

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I know that in my own journey, I

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did a lot of reflection on. Okay, what are the

Speaker: 00:17:34

messages and the beliefs that I have in my

Speaker: 00:17:37

brain about money? Which ones have served me

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and continue to serve me, and which ones maybe harmed

Speaker: 00:17:43

me or kept me from doing something that would have been good

Speaker: 00:17:46

for me? Like what, what planted fear or

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hesitation or. And so we're really

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intentional about how we talk about money. And

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our kids are, um, now four and six. And so we're also trying

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to decide, like, how will money

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work in terms of. Are we doing allowance? Is

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the allowance going to be based on

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certain activities they do in our home, certain activities they do

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at school, certain activities they do in the community,

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or will it be an allowance with no strings

Speaker: 00:18:15

attached in terms of how they earn it, but maybe strings

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attached to how they spend it? So we're really doing a lot

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of thought about that because the.

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The things that we learned at 18

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to 22 while we were in college and

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beyond, we're hoping to plant the seeds of those

Speaker: 00:18:32

lessons now and make it age

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appropriate and make it fun so that the

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relationship that my kids grow up with, money is

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one that they would say is healthy

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and. And positive. Right? Like, one of the things that I

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often ask people I'm working with as a coach is like, if

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you had to describe money as a person. Right.

Speaker: 00:18:52

Personify it, how would you describe it? What's their name?

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Are they your friend? Are they your friend of me? Are they your

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enemy? What things do you do together? What things do

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you avoid? Like how? Like, tell me about money as

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a person. If they were a person in your life. And

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I want my kids to be like, oh, money's my best friend. Money

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takes me places I've never been. Money helps me solve

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problems. Money helps me spend time with the people I love

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most. Like, I want that to be their narrative. And

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so we're planting seeds for that. And I, uh. And I think it's

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working, actually. The. This morning I dropped my

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daughter off for school, and she

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noticed. She was like, oh, mommy, did you get new tires? Because I

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told her I wanted to get new tires. She was like, did you get them from.

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Because she's reading really good. And so she read the name of the

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tire. She, oh, did you get them from the store? Because she knows we

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have that store right near our neighborhood. I said, oh, actually, no.

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That company has a tire store, but they also have a

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tire factory, so you can buy the tires from that

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tire store or from the factory at different

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stores. And she said, oh. So I told her I got it at our

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wholesale club. And I'm not saying nobody's names because I don't have

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no sponsors. Right.

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>> Anthony: Not yet. So.

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>> Dr. Darla Bishop: Right. So I told her, oh, I got it from our. The same place we

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get our apple juice. And she said, oh, okay.

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I said, because they had a coupon, and she knows what coupons

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are. I said, so at the tire store. The

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tire store, the tires would have cost $100,

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but with my coupon, I got it for $80.

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She was like, $20. Wow.

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That's a big difference, right? And so, like,

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working in these small examples

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of ways that we use our money and talking about money

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openly because, um. And when they ask for

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stuff, you know, not to be like, we ain't got it. We don't have no

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McDonald's money. We don't have this. No, you can't have it. That's

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too expensive to just be, like, to say, well,

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thank you for telling me you want that toy. That's not what we came to the

Speaker: 00:20:43

store for. Remember, we came for flash. We came for trash

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bags and light bulbs. Is that a trash bag or a light

Speaker: 00:20:49

bulb? It's not. Okay, then. That's not why we're at the store today.

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Right? And so how we talk about

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money, we're very intentional about it because

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we. We want the kids to also have language for it.

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>> Anthony: That is good that you guys are doing that, uh,

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for your child and for your children, actually.

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But how is that conversation happening now with your

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parents? Are they, like, listening to you now or you still got

Speaker: 00:21:14

the diaper syndrome?

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>> Dr. Darla Bishop: Oh, no, the. Um. Luckily, my

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mom has been a pretty good

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listener for, I would say, the last,

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like, 15 or 20 years, she's been a pretty good

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listener about money. Right? And,

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um, like, we actually, when I was in

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graduate school, I put her on a budget. I was

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like, mom, you need to be on a budget. Like, you.

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You are on a budget. You don't realize that, but you don't behave

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that way. So we. We made a money plan for her.

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And she followed it, and things

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ran pretty smoothly on the plan that I made for her. And then when

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my siblings got of age and went to

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college and. And like, I also put. I put everybody.

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Everybody's on a plan. Everybody's on the plan.

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And I was really selfish. It was really a selfish

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end. Right. 1. It was me kind of like

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testing that I actually knew what I was talking about. Because, you know, you

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can do stuff for yourself, but that doesn't mean you can teach other people how to do it. Right.

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But also, too, is my goal was to have none of them

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suckers living in my basement. They are welcome.

Speaker: 00:22:17

They are welcome. There is space.

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If something truly happened, I, um, of course

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will care for my family and help them make the

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adjustments they need to make. And my goal is that they

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don't ever need to pull that lever. Right. And so

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luckily, my sister listened very good. My brother listened

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very good. They're doing, in some ways

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financially better than me because we have children, so we have a

Speaker: 00:22:42

lot of expenses with our children. Our childcare bill.

Speaker: 00:22:45

Our childcare bill is crazy.

Speaker: 00:22:47

>> Anthony: If you can solve that, that's a billion dollar

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industry right there.

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>> Dr. Darla Bishop: If you can solve that, our childcare bill is crazy. And

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so in some ways, my siblings who don't yet have children,

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they are doing differently and

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m. In some ways better than us financially because their

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obligations are just different. And because.

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Because I also caught them early as they were getting those first

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jobs, as they were getting that first, you

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know, student loan. Okay, how do I. How do I pay this off?

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How do I manage it? As they were thinking about opening that first credit

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card, I was there along the way to kind of be like, okay, well, think about

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this. And so they made really good financial

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decisions as young people. So now that they're in their

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30s, it's smooth sailing.

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>> Anthony: Yeah. And that's good that they actually

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listened to because it's. Sometimes

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they don't want to listen because, like, uh, who you

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think you are you better than me or whatever? We grew up in the same

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household. Like, no, you're there to

Speaker: 00:23:42

kind of help each other out like you want to,

Speaker: 00:23:45

but they just don't listen sometimes.

Speaker: 00:23:48

I don't know. But I like the motivation.

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>> Dr. Darla Bishop: Uh, yeah. And it's. It's also easy. I

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think it's easier to listen to someone who starts with love, Right?

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I always start with love. Instead of like, I can't

Speaker: 00:23:59

believe you made that choice. Like the books, right? The

Speaker: 00:24:02

going full circle, going back to earlier in this conversation,

Speaker: 00:24:05

like, instead of me, like, I Can't believe you got into credit card debt. I can't

Speaker: 00:24:08

believe you took out that kind of loan. I can't believe you chose that apartment. It's so

Speaker: 00:24:11

expensive. It's like, oh, well, why'd you choose that? Okay, what made you make

Speaker: 00:24:14

that decision? Is that is this choice

Speaker: 00:24:17

hurting other things in your life? And how do we make the adjustment, like

Speaker: 00:24:20

starting with love. And that makes a big difference

Speaker: 00:24:23

in people's willingness to listen to you.

Speaker: 00:24:26

>> Anthony: Okay. That would be really helpful for people who are listening

Speaker: 00:24:29

right now to start having that conversation with their

Speaker: 00:24:32

family. Thank you for sharing that.

Speaker: 00:24:34

Um, we're going to slide over to the features a little

Speaker: 00:24:37

bit. What do you feel is

Speaker: 00:24:40

really going to help improve your life or even your

Speaker: 00:24:42

career?

Speaker: 00:24:44

>> Dr. Darla Bishop: There's a couple things I'm working on right now.

Speaker: 00:24:47

Um, and part of it is I'm seeking

Speaker: 00:24:50

good advisors. I feel

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like in a lot of places and spaces in my

Speaker: 00:24:56

life, I have been the advisor. I'm

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the oldest child, so I'm the oldest sister. I

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am often seen as a leader at work

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or among my friends groups or in community

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groups. And so I feel like.

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But I need some guidance now. And so I'm really

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working to find a business coach. I'm

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looking to find mentors who

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are going where I think I might be going, even though it might change

Speaker: 00:25:22

by the time we talk. Right. Because I

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recognize the power of having someone who's

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a little bit ahead of you, who can just help you

Speaker: 00:25:31

see the things that you can't see from this side, but they

Speaker: 00:25:34

have already walked through it from the other side.

Speaker: 00:25:37

Um, and that will help me. That will help me

Speaker: 00:25:40

a lot. And then the other thing is,

Speaker: 00:25:43

I'm checking in on my friends at the time we're recording

Speaker: 00:25:46

this. Um, there's a ton of uncertainty

Speaker: 00:25:49

because there's a new federal administration

Speaker: 00:25:52

and they are reshaping the federal government.

Speaker: 00:25:55

And I work in three industries

Speaker: 00:25:58

that are going to be shaped likely. First,

Speaker: 00:26:02

I work in health insurance. I work for a Medicaid health

Speaker: 00:26:05

plan. And so government insurance programs

Speaker: 00:26:07

are likely to be reshaped pretty quickly.

Speaker: 00:26:11

My background. And so almost all of my colleagues, all the people

Speaker: 00:26:13

I went to graduate school with and worked with at other

Speaker: 00:26:16

places work in public health being

Speaker: 00:26:19

reshaped. And I'm a professor, so I work in education.

Speaker: 00:26:22

So between federal grant changes and changes to

Speaker: 00:26:25

the Department of Education, I'm

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seeing that a lot of the people in my life are

Speaker: 00:26:31

experiencing, uh, one, uncertainty, but

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also trying to figure out, well, what do I do? What will I

Speaker: 00:26:37

do? And so One of the things that I'm really

Speaker: 00:26:40

boiling down in the way that I'm posting

Speaker: 00:26:42

content online and talking with folks is,

Speaker: 00:26:45

okay, what do you have control over when it comes to your money?

Speaker: 00:26:49

Let's exert that control to your full

Speaker: 00:26:52

potential right now while things are uncertain.

Speaker: 00:26:55

Because one, having that control will help

Speaker: 00:26:58

you feel better as all this stuff happens around

Speaker: 00:27:01

you. And two, by exerting the control

Speaker: 00:27:03

you do have, it may mean you can weather the

Speaker: 00:27:06

storms that are coming a little bit

Speaker: 00:27:09

more smoothly or perhaps even longer because you

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took stock of what money you

Speaker: 00:27:15

had, what money you didn't, what things could be

Speaker: 00:27:18

shifted, delayed, cut, um,

Speaker: 00:27:21

what things needed to be increased to make, make

Speaker: 00:27:23

it just run smoothly, what things could come

Speaker: 00:27:26

or go, what order to do things. And doing

Speaker: 00:27:29

that work at the very

Speaker: 00:27:32

beginning, when you have a big change or slightly before,

Speaker: 00:27:35

if you anticipate a change to your income is coming,

Speaker: 00:27:38

can just make you feel better.

Speaker: 00:27:42

>> Anthony: I like that.

Speaker: 00:27:43

Is there anything that you want to leave the audience with before we

Speaker: 00:27:46

dive into the final four questions?

Speaker: 00:27:50

>> Dr. Darla Bishop: No. I'm so excited for these questions.

Speaker: 00:27:54

>> Anthony: Awesome. Alrighty.

Speaker: 00:28:03

Question number one. What does wealth

Speaker: 00:28:06

mean to you?

Speaker: 00:28:08

>> Dr. Darla Bishop: Wealth means I have choices. It

Speaker: 00:28:11

means that if a problem arises,

Speaker: 00:28:14

if there's something I want to do, that I have

Speaker: 00:28:16

choices for solving that problem or

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doing the thing that I want to do. Wealth is

Speaker: 00:28:22

choices.

Speaker: 00:28:24

>> Anthony: Number two, what was your worst money

Speaker: 00:28:27

mistake?

Speaker: 00:28:30

>> Dr. Darla Bishop: So when I, you know,

Speaker: 00:28:33

it's about to be good. So this is so. So buckle up.

Speaker: 00:28:36

So when I was in graduate school the second time, when I was working on

Speaker: 00:28:39

my doctorate, I was in graduate school for eight years.

Speaker: 00:28:42

Eight years. Okay. And I had a small student

Speaker: 00:28:45

loan balance from my master's degree, something

Speaker: 00:28:48

really like 10 or

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$12,000. And because I was

Speaker: 00:28:54

always registered for classes, my

Speaker: 00:28:57

loans were deferred. So for eight years my

Speaker: 00:29:00

loans were deferred and I should have just been making payments on

Speaker: 00:29:03

them because then my student loans would have been gone and

Speaker: 00:29:06

my payments on that 10 or $12,000 of debt

Speaker: 00:29:09

were like 150amonth. So why I

Speaker: 00:29:11

didn't continue making my student loan payments while I was in

Speaker: 00:29:14

graduate school, I still have no idea

Speaker: 00:29:17

why I didn't. And I'm still

Speaker: 00:29:20

mad at myself because those loans could have been gone.

Speaker: 00:29:24

Gone. Yeah.

Speaker: 00:29:29

>> Anthony: That's a whole nother episode. Okay.

Speaker: 00:29:30

>> Dr. Darla Bishop: Yeah. But it's okay. I did, I did do

Speaker: 00:29:33

that. Eight years. And George Washington University

Speaker: 00:29:36

had let me leave with a degree, but I left

Speaker: 00:29:39

with zero new debt.

Speaker: 00:29:41

>> Anthony: That's, uh, so.

Speaker: 00:29:44

>> Dr. Darla Bishop: So that's how I redeemed Myself a little bit is that I got that

Speaker: 00:29:47

doctorate with zero new debt, even though I

Speaker: 00:29:49

foolishly did not continue making the payments on

Speaker: 00:29:53

the little bit of debt I had for my master's degree.

Speaker: 00:29:56

Mad. Still mad. As you see, I'm still mad. You heard

Speaker: 00:29:58

that at the beginning.

Speaker: 00:30:00

>> Anthony: Yes.

Speaker: 00:30:04

With you.

Speaker: 00:30:06

Uh, number three, is there a

Speaker: 00:30:08

book that inspired your journey or changed your

Speaker: 00:30:11

perspective?

Speaker: 00:30:12

>> Dr. Darla Bishop: Uh, well, we're going to talk about how to afford

Speaker: 00:30:15

everything.

Speaker: 00:30:17

>> Anthony: You know, eyebrows. Eyebrows. Okay.

Speaker: 00:30:19

>> Dr. Darla Bishop: Right, Right. You know, the, um. The.

Speaker: 00:30:23

The journey to writing this book was

Speaker: 00:30:26

10 years in the making. You know, like, after

Speaker: 00:30:29

I read, like, 20 books, I was like, I could probably write a book.

Speaker: 00:30:32

After I read 40 books, I was like, I definitely can write a book.

Speaker: 00:30:35

Books. I was like, why haven't I write a book? And one day, my

Speaker: 00:30:38

husband. I had just finished yet another personal finance book, and we were

Speaker: 00:30:41

sitting on the couch, and he noticed I'd finished. I think I was listening to one.

Speaker: 00:30:44

He noticed I finished it. He's like, oh, how'd you like that? I was like, man, I could have

Speaker: 00:30:47

wrote this book. He was like, you know, you've been saying that for a few years.

Speaker: 00:30:51

Um, you're done with school. I think we have our childcare set

Speaker: 00:30:54

up really solid right now. What. What would it take for you to

Speaker: 00:30:57

write a book? And I was like, I think I need an editor because I have too

Speaker: 00:31:00

many ideas in my brain. I need

Speaker: 00:31:02

somebody to help me kind of untangle them, because it's

Speaker: 00:31:05

probably two or three books in my br. But you can't write one

Speaker: 00:31:08

book that's really two or three. You'll lose people. So I need somebody to help

Speaker: 00:31:11

me, like, untie what's book one

Speaker: 00:31:14

and what's book two and what's book three so that people can get

Speaker: 00:31:17

something from it. He was like, okay, go find an editor. So I find an

Speaker: 00:31:19

editor. I interviewed, I think eight.

Speaker: 00:31:22

And, you know, in the one or two that I like

Speaker: 00:31:25

the best, I said, you know, could I buy an hour of your time? And we

Speaker: 00:31:28

do a sample work session. I just want to make sure we'll be working well together,

Speaker: 00:31:31

because this project has been on my heart for a decade. And

Speaker: 00:31:34

so I need it to go well because I'm finally, like, committing to

Speaker: 00:31:37

doing it. And so the

Speaker: 00:31:40

editor I ended up going with, we

Speaker: 00:31:43

outlined all 10 chapters

Speaker: 00:31:46

in 37 minutes. And she was like, okay,

Speaker: 00:31:49

so we. We didn't use the whole hour.

Speaker: 00:31:52

What are you thinking? How do you want to use the last, uh, 20

Speaker: 00:31:54

minutes of our call? And I was like, actually, I think I'M good. Thank

Speaker: 00:31:57

you for the outline. She was like, so are you thinking you're gonna move forward? I was

Speaker: 00:32:00

like, I am. Please send me the contract and the agreement. And.

Speaker: 00:32:03

And I'll pay from the time I paid

Speaker: 00:32:06

my deposit for her fees to

Speaker: 00:32:09

the time I was holding. And this is the actual one, the first

Speaker: 00:32:12

one I took out of the box. This is my emotional support copy of how to

Speaker: 00:32:15

afford everything was

Speaker: 00:32:17

127 days. That's, uh,

Speaker: 00:32:20

quick, because between the

Speaker: 00:32:23

outline and having the path,

Speaker: 00:32:26

it poured out of me. And so

Speaker: 00:32:29

this. This is why. That's the book that changed everything.

Speaker: 00:32:32

>> Anthony: Got you.

Speaker: 00:32:33

Um, I do have a question, because it's. One of the

Speaker: 00:32:36

listeners actually is looking to write a book, but she is

Speaker: 00:32:39

like, you have so many ideas. Is it best to get an

Speaker: 00:32:42

editor after you wrote your thoughts out, or is it best

Speaker: 00:32:45

to get one early on just to get the outline and then you can hire them

Speaker: 00:32:48

back when you're ready to write the rest of it?

Speaker: 00:32:50

>> Dr. Darla Bishop: Yeah, so there's a different. There's different types of editors. So you can look

Speaker: 00:32:52

for something called a developmental elevator. I'm

Speaker: 00:32:55

sorry, a, uh, developmental editor. And this is an editor

Speaker: 00:32:58

who specializes in helping you develop the story

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and develop the path. And so this could

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be someone who you might have a couple hours of sessions

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with. So it might not be a huge expense because you're

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just. Just talking through what you've been thinking. And they help. They ask

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you, they guide you through how to put that in a

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way that makes sense. So that might just be a couple hours of

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sessions and may not be a huge expense. And

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frankly, once you have that, you might be ready to just write.

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And then you get the editor, a different type of editor,

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someone who's going to check for grammar and for flow

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later once the project is done. And so you can get

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editors for different types of support. And if, you

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know, you only need help with this. This component, you

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can. You know, you can do that at a lower cost

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than hiring an editor for the whole project when you're not fully

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in the project yet.

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>> Anthony: That makes sense. Okay. Thank you for that.

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I was asking for myself, really, but thanks.

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>> Dr. Darla Bishop: Great. Hey, I think that's. That's the.

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The privilege of having a podcast, right? You get people on your

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show you want to talk to because you got problems you working through.

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You want solutions? Heck, yeah. Take Advantage.

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>> Anthony: All right? Take.

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This is the show. Take Advantage. I love it.

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Uh, number four,

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what is your favorite.

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>> Dr. Darla Bishop: Dish to make m.

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Okay, so my kids are in their picky

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food stage, so I haven't been cooking,

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um, the flavorful things that I usually like.

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But a couple months ago, I had this

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hankering for something Indian. And where we're living right now

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are. The Indian restaurants are not that great. Great. They're just. They're just not.

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And that's okay. It's okay. We're gonna move. We're

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gonna move soon, and we'll be in a place where the Indian restaurant is better.

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And so. And the okra at the grocery store just looks

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so beautiful. Like, you ever go to the grocery store and some

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vegetable just looks like, I don't know what I'm gonna do with it, but

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I'm buying that vegetable and I'm gonna do something with. The okra was just

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gorgeous. So I bought, like, two big

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handfuls of okra. I cut it up, and I made

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bendi masala, which is so simple.

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It's just okra, onion,

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tomato, and then all of the seasonings.

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And the tomato makes this little soft

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kind of sauce that comes in with

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all the seasonings. And I put that on top of some rice,

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and it. It hit so hard. Like, the okra

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was perfect. It was seasoned so good. Like,

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I'm gonna make it again. I just been waiting for the okra to look as good.

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The last few times I went to the grocery store, the okra has not looked as

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beautiful as it did that day. Day.

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>> Anthony: Okay, so what kind of rice we looking at? Like,

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basmati.

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>> Dr. Darla Bishop: So that day I had jasmine. Basmati would have

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been better, but I had Jasmine is what I had. So I made

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it work. I made it work.

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>> Anthony: Okay. All right, well, we gotta catch back up and let

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you know. I need to see a picture because it sounds so good

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and simple ingredients. You know, I'll text.

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>> Dr. Darla Bishop: I. I have the picture because I told everybody. I told. I have some.

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I have some Indian friends who are always impressed when I tell

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them I can cook a little bit of Indian food. And so I said. I said, look

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at this bindi masala. And they were like, oh, that looks really good. I was like, see,

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I told you. Okay, so I can send you the

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picture.

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>> Anthony: Yeah, yeah, please send that thing.

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Um, this is the last question of the show,

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which is where could people find out more

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about you?

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>> Dr. Darla Bishop: Oh, please come find

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me@darlabishop.com

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Social. And the reason I have, I have a

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specific landing page, so that way you can just find all the things

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you could ever find without having to look for me. So all the social. Socials are

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there. Um, the links to the different freebies I

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have. So darlabishop.com social

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alrighty.

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>> Anthony: Well, thank you Darla, for so

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much information about really taking

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advantage of, uh, everything that you

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have, whether it's you're coming from poverty or

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coming from, you know, your silver spoon

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background, you have to take advantage of

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those opportunities and actually put your own spin on

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it, put your own stink on it. Some with some say

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this is your opportunity. You have what it takes, everybody.

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And please make sure that if you made it this far,

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just want to say thank you so much for sticking with us

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this long. And you all

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have a wonderful day. Yacht

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peace.