298: [Petra-Ann Brown] Breaking Barriers: Embracing Island Money

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Petra-Ann Brown: They're migrating, starting from scratch, right? You have to

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learn the culture. You got to learn the new financial system, everything. And

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some of us come from a system that raise corruption. We don't trust

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it. Some of us come from a system where it's just like the United States. We can

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easily transition system. There's a lot of barriers that we need to think

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about. Don't know anything about credit. Some of us come from a cash system.

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But the most important thing is that we work

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like several jobs.

Anthony Weaver: 00:00:29

Welcome back, everybody, to another exciting show, Are they About

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that Wallet Podcast? I am your host, Anthony

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Weaver, and we focus on

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the sandwich generation to help you build strong financial

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habits so that you can spend money, talk about

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money, and enjoy your money with confidence.

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And today I have somebody who

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is, uh, I guess you could say

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a force to reckon with when it comes to

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the outreach perspective. She has

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always looking for the right ways and

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the right tools to make sure that she's providing the

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greatest information for our audience. Um, and

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when, I mean, like, she's a force that's going out the way, she's cold

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calling people. She is not only cold calling, she

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will show up on the door and knock people down, you know what I'm saying?

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To get what she needs to get to make sure that

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she's providing the best information.

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And I just want to thank you so much for coming on the show, Petra.

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And how are you doing today?

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Petra-Ann Brown: Thank you, Anthony. I am great. I'm so happy to be

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here.

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It.

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Petra-Ann Brown: And now I want to be happy with my money. I want to happily

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spend my money.

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So let's talk about how we can happily

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spend our money.

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Well, let's talk about it. Like, what was the most, uh, let's see.

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What is the one thing that you're so happy that you

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purchased it that you still use today?

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Petra-Ann Brown: Oh, I don't know if I still use it, but I recently I

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attended a event, um, of one of the Caribbean events

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that we have here in Connecticut. Um, Caribbean connections.

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It's called Ann, since,

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you know, I'm a financial coach, so, and

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money conscious. So I really, I really spend money

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in terms of these things. I spend money on, like,

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vacation. That's where that's what my value is.

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Right.

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Petra-Ann Brown: So I had to go buy a dress and I went to

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Macy's. Okay, I don't build Macy's. I went to

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Macy's. My, uh, mom had some coupons because she loved

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Macy's. So she had those star points. I was like,

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everybody got coupons. I went there

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I saw this dress, it was beautiful. I didn't want any black because

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everybody wear black togethers. And I was like, I don't want to wear black. And

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I walked in, saw this beautiful, um,

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burgundy kind of dress. And I just

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picked it up, I tried it on for my side. Tried on, looked beautiful on

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me. I said, this is it. My husband was with me. They look at the

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price tag.

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I went to the red, it was like 100 and something

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dollars. I look at my husband, I was like, what?

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He was like, let's buy. Wasn't there. I

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was like 100 some dollars for a dress I'm gonna wear one time.

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He was like, you better find another use for it, but

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you should buy it. And I bought it. It had a

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great time. It was a beautiful dress. I felt so beautiful in it.

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But I mean I would not have.

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It's not just. That's not what I do, you know, I'm a

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couponer. I don't buy anything at full

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price. I did not distress.

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Anyway, I did get um, like $60

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off. I paid well originally two something and I end up paying one

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something for it. So. But it was a great purchase.

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The reason why, because I enjoyed it. I had fun.

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I just went in there and bought something without thinking about it, which is

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so not me.

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Well, I mean, but that is amazing thing when you cross

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that threshold of confidence in your finances. You're like,

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you know what? Not that I deserve it, but the fact

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that I can do it without it impacting any part of

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your finances, you know.

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Petra-Ann Brown: Yes, exactly. Plus, you know, I knew this color was

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coming up and I did allocate money for this because, you

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know, I had none of these kind of clothes. I don't.

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I go to like, um, like rainbow

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and stuff, you know, Marshall.

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Marshall TJ Maxx, you know, Burlington.

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So I don't have any of these nice, nice stuff, uh,

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outside of my church clothes. You don't want to wear church post. It's to

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a gala.

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So they don't know.

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Petra-Ann Brown: Everybody was dressed to a T. And these are. Look, these are

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Caribbean. These are Jamaicans, you know, um, um,

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Beijings. I mean they dress, they go all out, right?

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So I got my hair done, got my

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nails done, I did a whole shebang. So I knew it was going to

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cost. So I allocated money for it. And then, you know, I was

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okay because I knew what my parameters are. And I went on to bought it and I stay within

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my budget. So it was pretty good.

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That's good.

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Um, because I um, like to ask that question, because

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a lot of times we feel afraid to spend money on things that we

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really want, um, and we

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feel guilty sometime of purchasing it.

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And sometimes it's like, well, I bought it for this

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one thing. What other uses

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am I going to use this for? Um,

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did you decide to keep it or did you give it

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back? Did you donate it back? What?

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Petra-Ann Brown: You know, I keep it. I do not do that.

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I wore it, I danced in it. I sweat in

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it. That is not. Not right. No, I am not giving that

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thing. That's not. No, no, you would. My

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moral compass would not allow me to return it. But

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I have it in my closet. I am thinking, is anything else

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going to come up for me to wear this dress? I was like, I need to wear it again. So I'm

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sure somebody going to have a wedding somewhere, you know,

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or some kind of ball, or maybe a class reunion,

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something's going to come up, um, for me to use it

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again. But either way, I'm not stressing it. It doesn't think about it.

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It's beautiful. It's in my closet. It's a fond memory.

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It's a really, really fun memory. So I had a great night with some

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girlfriends, just celebrating with Caribbean people. Have some

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Caribbean music, celebrating our achievement.

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It was fun. I love it.

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That's good.

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So, you know, obviously, um,

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a lot of people are, well, my audience is new to you.

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And what is it that got you

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to where you are today? It's like, let's say, start with your

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early, uh, memory of money. What is

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your earliest memory of money?

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Petra-Ann Brown: Oh, well, my money. My memory of money changed. I had

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two drastic, um, memory of money. One,

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when I was in Jamaica, before I migrated to the U.S. we

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were the, I would say, the better off,

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the affluent, um, memory in

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our little community. I live in the country. Country, country, country.

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People in Jamaica don't know we're there. So.

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But. And I don't want to say affluent, like my father was. Rich, flowing.

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No. But I was the only one in the community at that

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time that had a tv. You know, I was wearing shoes

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on my feet, and my friends were going barefoot to school.

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So in my mind, I was like, okay, we have a little

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bit more than my neighbors, right? Most of most of us

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were farmers, but for some reason, we

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had just a little bit more. Um, and then I

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came here. We migrated to the U.S. we had

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nothing. We had to start from scratch. Zero.

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And my mom, who migrated as a teacher, had to

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come here and start all over, right? Because some Things doesn't

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translate or doesn't transition with you, um, or

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we didn't know about it back then. Maybe you can trans

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transfer your credentials now, I don't know. But she

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came here and became a.

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Essentially start cleaning people homes in the, uh, in the

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rich areas. Right? That's what, that's what we do.

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We got the connection. Start cleaning homes and taking care of their kids.

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And so some nights

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I was left to be the cook and I had to just create something

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out of nothing. You know, I remember this one particular

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incident where I would never forget. It's always my,

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my pain point. Where I go back to every time when I realize how

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blessed I am now is that I was opening the

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refrigerator and all there was, was two single hot dogs. Two

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single hot dogs. That's all that was there. And a bag of

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flour, right. So what I did was I cut up the hot

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dogs, um, toss it down with some ketchup,

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and then make some, um, dumplings and boil that. And we have

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boiled dumping massages. My sister and I had. We had a great

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dinner. So we always had food. But you know, go

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from. Have always have food at home back in Jamaica, to

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come in here and just making something out of nothing. And

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then seeing m. How my mom worked, you know,

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come from a teacher to be basically a domestic

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servant. Right. And then now as a, um, ed

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nurse, as a rn, it shows me that anything is possible.

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So my pain, my memory

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of money is that, yes, we had.

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We don't. But you don't have. That's only temporary.

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You're passing through, right? You be

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content where you are until it gets to where you want to go or you work to

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where you want to go. So now, you know,

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money is not as much as

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scarcity anymore, is not

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evasive, it's not missing,

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but, um, we're okay. So those are my two

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memories of money. Early memories of money.

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Yeah. So, you know, seeing your mom going through

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that, um, how was your dad? Did he come

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over too?

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Petra-Ann Brown: No, usually, um, my mom migrated first and then she

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brought us up and then my dad came later.

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So that's usually the flow of it. Everybody don't come

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out all at once. You know, one person come, set things

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in motion and, you know, file for you, you come over and

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then. Plus my father had a lot of businesses in

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Jamaica. Eventually, as my mom was over trying to get things right, you

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know, they couldn't just up and leave all his

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things at his land and all that kind of stuff. We didn't have a mother leave it

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to. So we. They had to make that decision. I don't know what the conversations

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were, but they're still married. But

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okay, that was. I wasn't proof of that kind of information.

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I just knew my dad wasn't with us at the time.

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Gotcha. And, um,

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so does that actually help you in your

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business today? Like, why are you helping other people?

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Um, you know, coming through that particular

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upbringing, does that actually impact the way how you view money

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now?

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Petra-Ann Brown: It does. I am, um.

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I. I don't look at it as if I don't have it. It's a big deal.

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You know, some people, like, oh, my life is over.

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Or um, they say, you know,

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why can't I figure this out? I just know once you have the

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information and once you have opportunity, anything is

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possible.

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So my experience with money and a lot of different

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various experiences I have with money definitely helped me to be a better

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coach. Help me to be an empathetic coach. Help me to show

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people and show the through experience. And I think that's the best coach

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you can have is someone. We're not just talking from textbooks. Cause we

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all read, right? Read every day. We

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digest this stuff, we absorb this stuff, right? We just boom, boom,

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boom. All this money stuff.

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I read articles, I read books. But at the end of the

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day, your experience is what can really change and

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shift somebody to. So look, this is possible. I was

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here. Um, you're here. And this is how I

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came through it. And I think that's the amazing thing about

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it. Because even though I went through that when I

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went to college and graduated and started making money, I still wasn't

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responsible with it. You know, I was

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like, okay, I have money now. I spend on buy what I wanted,

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right? I'm like, wait a minute, I'm doing

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that. I had debt, lots of debt. Um,

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and I'm like, wait a minute. I wanted to

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stop using my credit card. I'm like, I'm paying so much money in credit card. I want

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to stop using my credit card. And when I tried that, I didn't have enough

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money in my bank account to buy a large pizza. I was like,

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piece of that man was like, a large piece was like, what, 17?

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Not even 15 back then. So it

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was like the positive, the. The idea that I

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couldn't buy a large pizza from my money without

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using my credit card. That was a wake up call for me because I

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didn't realize I was mismanaging it. I didn't.

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I just knew I had enough to buy because I had A good paying job.

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I had enough to buy what I want, right? And I was

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not living this passion life. I was never that person, but

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yet I didn't have it. So where was it going? Because I wasn't buying

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fancy cars. I wasn't, um, buying fancy clothes.

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I was still this, the way I grew up,

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still marshalls BJ's. You know, that's what my.

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My mom used to bring us a salvation armor to buy clothes because that's what we could

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afford. So I still continued on that path, but yet I still

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didn't have the money. Where was it going? And

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that's why, you know, debt, um,

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eat your income, right? It takes away your income. So

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that's what happened to me.

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Yeah. And what did you do to get out of

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that, that rut?

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Petra-Ann Brown: I said, I want money.

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And I just thought it coming to you like I did my affirmation

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in the mirror, right?

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Petra-Ann Brown: No, I know.

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I decided I did not want this kind of

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life because I promised myself the reason I went to college. And I was

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so focused. I mean, and I actually,

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funny story, M. I went into. I ran into a high school friend

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and they were surprised that I was married with kids because it was like you were so

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focused, you didn't see. Even see boys. You were so tunnel vision.

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And I was tunnel vision because I wanted to leave that circumstance that I

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was in and make a better life for myself and my family.

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And I did that. But here

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I am not totally out of it, right? It's still kind of

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survival because if something should happen from, uh,

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my job, I'm back to square one. So really there was no

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security there. There's no freedom there. Right? So

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all that sacrifices and then now what? I'm making money

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and what's happening? So I realize, um,

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getting back to your question, what, what

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made me make that change is like the

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fact this, this the fear

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or the anxiety that, oh my gosh,

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I can go back to our empty refrigerator. Yeah, I can

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go back to an empty cupboard. I was like, nope,

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this story is changing. I'm rewriting

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this story. Absolutely not.

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And I started just diving deeper into,

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you know, the Internet, YouTube, went to YouTube University. I found out

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about Dave Ramsey, went through their coaching

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program, the seven Steps. I did all that.

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You know, I even did his coaching program as well

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and get certification through his coaching program where I want to do other things.

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But, um, that was it for me. That was the wake up

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call. I was saying, no, I can't. I worked too hard. I made

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too many sacrifices. I um, deny myself too much

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to go back to that space. So

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everyone to move on, have to have enough is enough moment

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for them to make that change. If they're not there, they're not

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ready. You have to have something to say. Enough is enough. Whether it's your

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kids, um, whether it's your life situation, whether

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the fact that you want to go on vacation. All I can do is

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go to your backyard. Yeah. Something happened for

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you to say, know what? It's over. I'm starting

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over. Change here, it ends here, and then you go do it.

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Once that switch turned on, you're determined.

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And one of the things I like about that

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is when that switch comes on, I always

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treat it as if it's like a disease. If the

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doctor come up to you and say, like, hey, you can no

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longer have peanuts or you'll, uh, die.

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Petra-Ann Brown: I know.

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And you. If you can switch your habits so quickly to get

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peanuts out your life, why can't you do that about everything

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else? So if you say, like, hey, if

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you go to another happy hour and buy a drink,

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your finances are going to go back to zero.

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If you treat it like a disease, you

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operate differently.

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Um, so what was that one thing that you had to cut back on

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that you noticed that you're spending a lot of money on to kind

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of get you focused back on? Because I'm familiar, um,

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with the Dave Ramsey process. So

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what was it that you notice that you're spending a lot on

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that you need to cut back on?

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Petra-Ann Brown: My family.

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I gotta be like, oh, you guys gotta get a job?

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No, my family, um, I give a lot.

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You know, as immigrants, we are told

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to take care of each other, to take care of family. We are here. You

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know, this country is very. Yeah, it's very hard.

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Um, so we got to give back,

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not only here. And that's one of many challenges that immigrants

Anthony Weaver: 00:15:57

have. Not only taking care of family here and yourself, but you also taking

Anthony Weaver: 00:16:00

family, taking care of family back home. And in

Anthony Weaver: 00:16:03

addition to that, we had gotten to the habit, um,

Anthony Weaver: 00:16:06

of eating now on Friday nights. I know where it came

Anthony Weaver: 00:16:09

from. Friday nights, no one cooks. You know,

Anthony Weaver: 00:16:12

it's Friday where we're going to eat out, where we're going to go. It's

Anthony Weaver: 00:16:15

Friday. No. So we cook all the way from bunch on Sunday

Anthony Weaver: 00:16:18

to Thursday, and then Friday, it's like, boom.

Anthony Weaver: 00:16:21

So I realized that too, even in my family,

Anthony Weaver: 00:16:24

with my mom, everybody. So I will eat off

Anthony Weaver: 00:16:27

Friday night for dinner, right? And then go to visit my mom on the

Anthony Weaver: 00:16:30

weekends. And we like, oh, let's go for breakfast. Let's, you

Anthony Weaver: 00:16:33

know, then obviously didn't cook anything from the night before. There's no

Anthony Weaver: 00:16:35

leftovers. Right. So lunch, m

Anthony Weaver: 00:16:38

dinner, and then Sunday morning, Grandma

Anthony Weaver: 00:16:41

always cook a nice feast. And then Sunday afternoon,

Anthony Weaver: 00:16:44

m. Mama said, let's go, you know, let's go to the all you can eat place. I'm

Anthony Weaver: 00:16:47

like, okay, so. So,

Anthony Weaver: 00:16:50

um, that time was like, Hometown Buffet.

Anthony Weaver: 00:16:52

I mean, almost every Sunday we're at Hometown Buffet.

Anthony Weaver: 00:16:55

Um, and then. Or the Chinese one.

Anthony Weaver: 00:16:58

The Chinese. Um. Um, all you can

Anthony Weaver: 00:17:01

eat. So I was like. When I had that switch, I was like, mom,

Anthony Weaver: 00:17:04

we're not doing that anymore. She was like, what? I was

Anthony Weaver: 00:17:07

like, no, we're not doing that anymore. I was like, if a family member

Anthony Weaver: 00:17:10

needs something, we can. But it's something they can do

Anthony Weaver: 00:17:13

on their own. They're going to have to figure it out. If it's

Anthony Weaver: 00:17:16

a situation like, you know, somebody is sick or something, I need

Anthony Weaver: 00:17:19

help. Absolutely. But we're just gonna say,

Anthony Weaver: 00:17:22

this is what we're gonna do. This is how we're gonna do it. If we're gonna send money back home,

Anthony Weaver: 00:17:25

say, you know what? We're gonna send money home once a month

Anthony Weaver: 00:17:27

or every quarter. We just, like, we're gonna put

Anthony Weaver: 00:17:30

some barriers, put some railing on this

Anthony Weaver: 00:17:33

thing. Because I realized, well, those one that goes out of the

Anthony Weaver: 00:17:36

family is not coming back. It is not coming back. Right.

Anthony Weaver: 00:17:39

You know it.

Anthony Weaver: 00:17:40

Petra-Ann Brown: And then it's, can you please stop using the word borrow? You're not

Anthony Weaver: 00:17:43

borrowing the money. Okay? Just say,

Anthony Weaver: 00:17:45

can I have the money? I'm looking at. I've been giving you money for

Anthony Weaver: 00:17:48

years. That money have never come back.

Anthony Weaver: 00:17:52

And Jamaicans have this sound office in America as well.

Anthony Weaver: 00:17:55

It's like, as long as I owe you, you'll never go broke. I was like,

Anthony Weaver: 00:17:58

it's the same. Yes, I will go broke.

Anthony Weaver: 00:18:01

You're not giving it back. So, um, have no

Anthony Weaver: 00:18:04

problem helping families. But I just put guardrails around it and how much,

Anthony Weaver: 00:18:07

and I tell my immigrant, um, clients is that we

Anthony Weaver: 00:18:10

like to give back, which is, there's no problem with that. But you need to allocate certain

Anthony Weaver: 00:18:13

amount. They're going to give back monthly or quarterly. And

Anthony Weaver: 00:18:16

once you reach that threshold, that's it. Tell them it's over.

Anthony Weaver: 00:18:19

You have to wait for the next quarter or the next one, because

Anthony Weaver: 00:18:22

you're done. And so I denied myself going

Anthony Weaver: 00:18:25

out. I changed that. I was like, we're going to cook on the weekends, too.

Anthony Weaver: 00:18:28

You know, it's okay.

Anthony Weaver: 00:18:30

Yeah. And how did they.

Anthony Weaver: 00:18:33

Because I would say now that you're mom and everybody,

Anthony Weaver: 00:18:36

it seemed like almost that that was a your family event.

Anthony Weaver: 00:18:39

But now that y' all don't have that family event anymore,

Anthony Weaver: 00:18:42

what was like, that conversation? Like, did they, like,

Anthony Weaver: 00:18:45

accept it or just like you and your immediate

Anthony Weaver: 00:18:48

family did not show up to the next one?

Anthony Weaver: 00:18:52

Petra-Ann Brown: Well, my mom was like, is it that bad? Is everything

Anthony Weaver: 00:18:55

okay? I was like, I'm

Anthony Weaver: 00:18:57

broke. I'm broke,

Anthony Weaver: 00:19:00

Mommy. And that was very. And that was very impactful

Anthony Weaver: 00:19:03

for me because my father. So ashamed,

Anthony Weaver: 00:19:06

right? And some of us use that fear, like when people.

Anthony Weaver: 00:19:09

People see us a certain way, because I went. I was the one that went to college

Anthony Weaver: 00:19:12

in the family, and people look at me as. I got myself

Anthony Weaver: 00:19:15

together and I'm making good money, right? They don't know how much,

Anthony Weaver: 00:19:18

but then I was making money, and they feel like I'm the

Anthony Weaver: 00:19:20

successful one, we're the one that doing well. So they look up

Anthony Weaver: 00:19:23

to you and they look at you as, okay, this is what we need to aspire

Anthony Weaver: 00:19:26

to, right?

Anthony Weaver: 00:19:27

That's the reality of it. You are the one that did it.

Anthony Weaver: 00:19:30

You made it out. You're doing things. And

Anthony Weaver: 00:19:33

I had to go back and say, no, I don't have any

Anthony Weaver: 00:19:36

money. I don't. Um,

Anthony Weaver: 00:19:39

and not to say I had. And to say I had like

Anthony Weaver: 00:19:41

$3,000 in savings, but that was like my. My life

Anthony Weaver: 00:19:44

vest, it's like my. My lifeboat that I didn't touch it. It

Anthony Weaver: 00:19:47

didn't exist. But that was my money. Like, if anything should

Anthony Weaver: 00:19:50

happen, I was like, that was my safety net, you know, made me feel okay.

Anthony Weaver: 00:19:53

But other than that, in my check in and regular savings account, because

Anthony Weaver: 00:19:56

I was at a different bank account that was at a different bank. It was at a credit

Anthony Weaver: 00:19:59

union. And I would advise anybody to do that. You have a checking and

Anthony Weaver: 00:20:02

saving combo, and then you have one savings account that's out of reach, out

Anthony Weaver: 00:20:05

of sight, you know, doesn't exist.

Anthony Weaver: 00:20:10

I know. But, um, you know, I was. I had to go back

Anthony Weaver: 00:20:13

and say, no, I don't have it. I said, oh, stop it. Oh, stop

Anthony Weaver: 00:20:16

it. You do. I was like, no, I don't.

Anthony Weaver: 00:20:19

I was like, if I do not use my credit card, I do not.

Anthony Weaver: 00:20:22

So I was like, that's going to change. And that empowered

Anthony Weaver: 00:20:25

me. That took away the fear, that took away the, um, the

Anthony Weaver: 00:20:28

shame of it. And I just told my mom, no, I'm broke. Once

Anthony Weaver: 00:20:31

I said those lines, it was like, I got empowered.

Anthony Weaver: 00:20:34

And I was like, okay, now I told you, now I'm gonna do so I'm gonna do

Anthony Weaver: 00:20:37

and they come to me, and they always said to me,

Anthony Weaver: 00:20:40

oftentimes like, patrick, do you really have to go that hard? I'm like, yes,

Anthony Weaver: 00:20:43

I am. I was like, yes, I am. I'm going real hard.

Anthony Weaver: 00:20:46

I was like, I'm not searching this thing out for three years. I was

Anthony Weaver: 00:20:49

like, in 15 months, I'm done.

Anthony Weaver: 00:20:52

You know, I said maximum two years. And I had

Anthony Weaver: 00:20:54

$68,000 in debt, and I did it within that time.

Anthony Weaver: 00:20:58

Let's go.

Anthony Weaver: 00:20:59

Petra-Ann Brown: Bam, bam, bam, bam, bam.

Anthony Weaver: 00:21:03

Because it's. It's like a switch that goes off,

Anthony Weaver: 00:21:06

and setting those boundaries have really helped you out,

Anthony Weaver: 00:21:09

M man. Because, uh, it gets

Anthony Weaver: 00:21:12

you to think of, like, how many other people are willing to make those

Anthony Weaver: 00:21:15

type of sacrifices, uh, with their. Well,

Anthony Weaver: 00:21:19

are they afraid to. To have those

Anthony Weaver: 00:21:21

conversations with their parents? Because I'm

Anthony Weaver: 00:21:24

thinking about, you know, people like yourself who are in the

Anthony Weaver: 00:21:27

sandwich generation. Like, you got kids to take care of. You have your own

Anthony Weaver: 00:21:30

household to take care of first before you deal with mom and dad.

Anthony Weaver: 00:21:33

And it's like, yes, yo, I need a break.

Anthony Weaver: 00:21:35

Petra-Ann Brown: Yes.

Anthony Weaver: 00:21:38

So how was it with the kids? Like, did the kids

Anthony Weaver: 00:21:41

take it okay? Where they was like, hey, well, we don't get to see.

Anthony Weaver: 00:21:43

Petra-Ann Brown: I was in a good spot, actually, to be honest with you. And it was scary.

Anthony Weaver: 00:21:46

Don't think it wasn't. It took a lot of. But, um,

Anthony Weaver: 00:21:49

the desire to be better off was way

Anthony Weaver: 00:21:52

outweighs what they will feel about me and the opinion of me

Anthony Weaver: 00:21:55

changing. Um, I was in a better spot. My son was

Anthony Weaver: 00:21:58

young. My husband and my son was young.

Anthony Weaver: 00:22:00

Um, he was still under 1 years old.

Anthony Weaver: 00:22:03

Okay.

Anthony Weaver: 00:22:04

Petra-Ann Brown: And another tipping point for me was that I

Anthony Weaver: 00:22:07

was. We said that we're not going to use a credit card anymore. And I was like,

Anthony Weaver: 00:22:10

okay, the baby need diapers. And my husband was like, we're going to get the money

Anthony Weaver: 00:22:13

from. And, you know, I remember being so irritated one

Anthony Weaver: 00:22:15

day, and I was, ah. And this was right in the

Anthony Weaver: 00:22:18

same, um, moment of when everything was just

Anthony Weaver: 00:22:21

enough is enough was coming together for me. And

Anthony Weaver: 00:22:24

I was like, what do you mean? I was like, we need diapers. It doesn't

Anthony Weaver: 00:22:27

matter if I put a. Put on a credit card. We need diapers.

Anthony Weaver: 00:22:30

And he was very, you know, I don't want to use that.

Anthony Weaver: 00:22:33

Because he came into relationship debt free.

Anthony Weaver: 00:22:36

He came in debt free. So he

Anthony Weaver: 00:22:39

was like, I'm just. I just want to stop using the credit card. I'm like,

Anthony Weaver: 00:22:41

I understand, but I need diapers for my child, and I'm not going to

Anthony Weaver: 00:22:44

nappies, you know, so. Right.

Anthony Weaver: 00:22:48

Anybody who don't know what nappies are. Is just what Jamaicans. What, uh,

Anthony Weaver: 00:22:51

we use to those cloth things and soap and put it.

Anthony Weaver: 00:22:54

And just that run. No, no, we're not doing that

Anthony Weaver: 00:23:00

properly. No. So, you

Anthony Weaver: 00:23:03

know, I don't want to have those conversations. Right.

Anthony Weaver: 00:23:06

Yeah.

Anthony Weaver: 00:23:06

Petra-Ann Brown: This is what the person I love, you know, my partner, and I'm

Anthony Weaver: 00:23:09

not. I don't want to do that.

Anthony Weaver: 00:23:10

I don't want to have those kind of conversations. Um, so.

Anthony Weaver: 00:23:14

And how. How hard is that to

Anthony Weaver: 00:23:17

look at each other and say, to buy your diapers. I can't put

Anthony Weaver: 00:23:20

in a credit card. Like, that's very

Anthony Weaver: 00:23:22

painful, you know, Very painful. I

Anthony Weaver: 00:23:25

can't surprise provide for my family. We can't

Anthony Weaver: 00:23:28

provide for our family. And that was very heartbreaking for my husband as well, and

Anthony Weaver: 00:23:31

for both of us. And we had to realize that we want the same

Anthony Weaver: 00:23:34

thing for our family, and we want us to be financially stable because

Anthony Weaver: 00:23:37

we're both coming from a place of nothing,

Anthony Weaver: 00:23:40

you know, um, of, um, food insecurities and

Anthony Weaver: 00:23:43

stuff like that, especially my husband's side.

Anthony Weaver: 00:23:46

Um, so I don't want. We don't want to go through that

Anthony Weaver: 00:23:49

again. So.

Anthony Weaver: 00:23:50

Yeah, yeah, that's tough.

Anthony Weaver: 00:23:53

And. But it's really good that, you know,

Anthony Weaver: 00:23:56

you both were on the same page. Uh, because

Anthony Weaver: 00:23:59

they talk about marriages usually fail

Anthony Weaver: 00:24:02

because of finances,

Anthony Weaver: 00:24:05

but really deep down, when you think about it, it's about the

Anthony Weaver: 00:24:07

communication about the finances.

Anthony Weaver: 00:24:09

Petra-Ann Brown: Yes.

Anthony Weaver: 00:24:10

Um, and so with you being

Anthony Weaver: 00:24:12

a certified, um, person

Anthony Weaver: 00:24:15

in the financial realm, why

Anthony Weaver: 00:24:18

you focus on the finances so much,

Anthony Weaver: 00:24:21

uh, instead of anything else,

Anthony Weaver: 00:24:24

what.

Anthony Weaver: 00:24:25

Petra-Ann Brown: If finance like to mean, why focus on the core

Anthony Weaver: 00:24:27

building blocks versus all the investments and stuff like that?

Anthony Weaver: 00:24:31

Because most people, when they come to me, they said,

Anthony Weaver: 00:24:33

um, oh, you're not. Help me say, do you do investment

Anthony Weaver: 00:24:36

and stuff? And then you want to invest, but you don't have

Anthony Weaver: 00:24:39

$2 in your savings account. It doesn't make sense.

Anthony Weaver: 00:24:42

Make it make sense. Right. You don't have

Anthony Weaver: 00:24:45

the discipline or the

Anthony Weaver: 00:24:47

understanding of those core principles for you

Anthony Weaver: 00:24:50

to build that foundation. It's going to

Anthony Weaver: 00:24:53

crumble. Right. You know the Bible story that says you build

Anthony Weaver: 00:24:56

a house in the sand, they build a house in a rock. Right. Which one is going to sustain

Anthony Weaver: 00:24:59

itself? So I'm passionate about

Anthony Weaver: 00:25:02

teaching people the foundation, giving them the tools to build that strong

Anthony Weaver: 00:25:05

foundation. So when they're done, they go off and build their wealth.

Anthony Weaver: 00:25:08

But you cannot build wealth if you don't understand

Anthony Weaver: 00:25:11

the. The principle of savings, the principle of how debt

Anthony Weaver: 00:25:13

affect your paycheck and how budgeting

Anthony Weaver: 00:25:16

helps you manage it all. And to get that goal and dream that you have in

Anthony Weaver: 00:25:19

your mind, if you don't have that is.

Anthony Weaver: 00:25:22

Is. Is pointless.

Anthony Weaver: 00:25:25

So why the, um.

Anthony Weaver: 00:25:28

So.

Anthony Weaver: 00:25:28

So what is it that somebody right now is listening to this

Anthony Weaver: 00:25:33

who, like you said, don't have those. Those only

Anthony Weaver: 00:25:36

have those $2. Um,

Anthony Weaver: 00:25:39

and with so much amounts of debt and everybody's

Anthony Weaver: 00:25:41

asking for money, um, and they just

Anthony Weaver: 00:25:44

don't know what to do. Are you more

Anthony Weaver: 00:25:47

of a defense side of the person or you more offense?

Anthony Weaver: 00:25:50

Meaning, like, offense is like, hey, go get a

Anthony Weaver: 00:25:53

job, increase, uh, your income, or you more of the

Anthony Weaver: 00:25:55

defense. Like, hey, let's cut back on your spending

Anthony Weaver: 00:25:58

and let's, uh, focus on your core structure

Anthony Weaver: 00:26:01

first.

Anthony Weaver: 00:26:02

Petra-Ann Brown: We. I do both. We have to look at the whole person, right?

Anthony Weaver: 00:26:05

Um, you can't just attack one side. You need both sides to win.

Anthony Weaver: 00:26:08

To win a game, you need defense, I need offense. Right? You can put

Anthony Weaver: 00:26:11

all defense you want, but if you're not making the shots, you're not gonna get enough points for

Anthony Weaver: 00:26:14

the game, right? So you're not winning. Um, so I look at both

Anthony Weaver: 00:26:17

sides as a financial coach, and I tell my individuals or

Anthony Weaver: 00:26:20

tell my clients, I say, okay, what are your pain

Anthony Weaver: 00:26:23

points? You gotta identify your pain points. Right? We all

Anthony Weaver: 00:26:25

have them. And if you only have $2.

Anthony Weaver: 00:26:29

A lot of us have pride. I know in the, in the immigrant

Anthony Weaver: 00:26:32

community, there's a lot of pride. Right, right, right.

Anthony Weaver: 00:26:34

There's a lot of pride. All right, so you only have $2

Anthony Weaver: 00:26:37

and you have all these bills that you have to pay.

Anthony Weaver: 00:26:40

Okay, what if. What are the necessity? What are

Anthony Weaver: 00:26:43

necessities? We need food. Okay, what can

Anthony Weaver: 00:26:46

supplement your food right now? Can we go to a food pantry

Anthony Weaver: 00:26:48

temporarily, you know, and supplement and, um, you know,

Anthony Weaver: 00:26:51

supplement the food and lower the cost of the food

Anthony Weaver: 00:26:54

while you try to do these other things? What else can you do? What

Anthony Weaver: 00:26:57

other services are out there? That's why it's

Anthony Weaver: 00:27:00

good. As I tell all financial coaches,

Anthony Weaver: 00:27:02

I hope they know of those nonprofits out there that provide

Anthony Weaver: 00:27:05

certain help in your community, in your local

Anthony Weaver: 00:27:08

community that you're operating out of, because then it can

Anthony Weaver: 00:27:11

direct people to those services. I have

Anthony Weaver: 00:27:14

a client who was on the verge of being

Anthony Weaver: 00:27:17

evicted, and I knew of a program

Anthony Weaver: 00:27:20

that supplied temporarily,

Anthony Weaver: 00:27:23

short term, um, money

Anthony Weaver: 00:27:26

for them to stay in their home. Like they rent, like the

Anthony Weaver: 00:27:28

supplement. They're supplement their rent for a certain amount of time if they

Anthony Weaver: 00:27:31

get some things in order and if they go through, like a coaching program.

Anthony Weaver: 00:27:34

So obviously she'll leave for me as a coach and go to that coaching

Anthony Weaver: 00:27:37

program because she had to go through that program to get the help she

Anthony Weaver: 00:27:40

need, uh, for them to pay her rent for the

Anthony Weaver: 00:27:43

few months that they would. Right. No problem with

Anthony Weaver: 00:27:46

that. But, um, so what would I do with somebody who

Anthony Weaver: 00:27:49

has $2? I would look where they are. Is

Anthony Weaver: 00:27:52

it money issue? Is it an income issue? Is it

Anthony Weaver: 00:27:55

or is a spending issue? Right. If the income issue, then

Anthony Weaver: 00:27:58

we got to get to some services. If it's a

Anthony Weaver: 00:28:01

spending issue, then we got to tighten it up,

Anthony Weaver: 00:28:04

cut back on some spending, um, and

Anthony Weaver: 00:28:07

then take that money and reallocate it to the place that it needs

Anthony Weaver: 00:28:09

to be so you can get back to be financially stable.

Anthony Weaver: 00:28:13

Nice. Um, and I would say you focus in

Anthony Weaver: 00:28:16

on immigrants and minorities to help financial

Anthony Weaver: 00:28:18

freedom. Um,

Anthony Weaver: 00:28:21

why that particular demographic?

Anthony Weaver: 00:28:23

Petra-Ann Brown: Because I'm an immigrant.

Anthony Weaver: 00:28:27

I know. It's like a rhetorical question.

Anthony Weaver: 00:28:28

Petra-Ann Brown: No, no, honestly, all

Anthony Weaver: 00:28:31

seriousness, I see the struggles

Anthony Weaver: 00:28:34

that we go through. We come here. When this person migrate,

Anthony Weaver: 00:28:37

um, they're migrating something from scratch. Right. You have

Anthony Weaver: 00:28:40

to learn the culture. You got to learn the new financial system,

Anthony Weaver: 00:28:43

everything. And some of us come from a system that we as corruption.

Anthony Weaver: 00:28:46

We don't trust it. Some of us come from a system where it's just like the United

Anthony Weaver: 00:28:49

States. I can easily transition. So there's a lot of

Anthony Weaver: 00:28:51

barriers that we need to think about. Um, some don't know anything about

Anthony Weaver: 00:28:54

credit. Some, uh, of us come from a cash system.

Anthony Weaver: 00:28:57

But the most important thing is that we work,

Anthony Weaver: 00:29:00

like, several jobs, you know?

Anthony Weaver: 00:29:01

Yeah.

Anthony Weaver: 00:29:02

Petra-Ann Brown: Working is not the issue. We work, and we can always find

Anthony Weaver: 00:29:05

a job. I mean, one of these running jokes about Jamaican is like, when I

Anthony Weaver: 00:29:08

tell people I'm Jamaican, they ask me, how many jobs do I have?

Anthony Weaver: 00:29:10

How many jobs do you have? Right.

Anthony Weaver: 00:29:14

Petra-Ann Brown: How many jobs do you have? Anything is. It's funny, but at

Anthony Weaver: 00:29:17

the time when they asked me, I had several jobs. Even though

Anthony Weaver: 00:29:20

I had a great career job, I still had several

Anthony Weaver: 00:29:22

other jobs. And I'm like, when I

Anthony Weaver: 00:29:25

married my husband, he was like, why do you have all these jobs? I'm

Anthony Weaver: 00:29:28

like, that's all I know. What

Anthony Weaver: 00:29:31

do you mean, job? You work? He was

Anthony Weaver: 00:29:34

like, well, uh, it doesn't have to be that way.

Anthony Weaver: 00:29:38

So, um, making the money work for you,

Anthony Weaver: 00:29:41

so you have all these jobs where you have all this responsibility.

Anthony Weaver: 00:29:43

And I think a piece in the financial world that

Anthony Weaver: 00:29:46

is not really discussed or explored is the fact that most

Anthony Weaver: 00:29:49

immigrants are not just taking care of home here as they're

Anthony Weaver: 00:29:52

trying to build their financial lives here. They also have to

Anthony Weaver: 00:29:55

uplift. And their families back home, you

Anthony Weaver: 00:29:58

know, they give in a lot to their families back home. Those

Anthony Weaver: 00:30:00

barrels being sent back home, those packages, I mean

Anthony Weaver: 00:30:03

Western Union, those money transmitters, you know, they're

Anthony Weaver: 00:30:06

making money. They're making money,

Anthony Weaver: 00:30:10

you know. So I think is a unique,

Anthony Weaver: 00:30:13

um, challenge that we have our unique perspective

Anthony Weaver: 00:30:16

or something that's different in the financial world that

Anthony Weaver: 00:30:19

most other cultures, probably our American

Anthony Weaver: 00:30:22

finances doesn't really address. That's why I focus on

Anthony Weaver: 00:30:25

that. But, um, I know, I hope

Anthony Weaver: 00:30:28

anyone across my definitely going to turn them away. And to

Anthony Weaver: 00:30:31

be honest, um, right

Anthony Weaver: 00:30:33

now I have more enough my non clients on um, my non

Anthony Weaver: 00:30:36

target market than I have my target market. But

Anthony Weaver: 00:30:39

that's why I like the immigrant community because I know what it

Anthony Weaver: 00:30:42

is to start from scratch, work your way up, you

Anthony Weaver: 00:30:45

get to where you want to be. I know that you have money. What are you going to do about

Anthony Weaver: 00:30:48

it?

Anthony Weaver: 00:30:48

Yeah. And when did you actually

Anthony Weaver: 00:30:51

finally get your certification? Because I'm just going through your

Anthony Weaver: 00:30:54

timeline. Uh.

Anthony Weaver: 00:30:57

Petra-Ann Brown: Oh, when did I get it?

Anthony Weaver: 00:30:58

Yeah. Yeah.

Anthony Weaver: 00:30:58

Petra-Ann Brown: Okay. All right. So when did I get it? It's a good

Anthony Weaver: 00:31:01

question, Anthony. I just be, I just be going. I don't mean.

Anthony Weaver: 00:31:04

It seems like whatever, tracking.

Anthony Weaver: 00:31:07

Petra-Ann Brown: I know I don't tracking. Unlike my money that I

Anthony Weaver: 00:31:10

track every month, I don't be tracking these things.

Anthony Weaver: 00:31:13

So I. Okay, so I went to the Dave Ramsey program,

Anthony Weaver: 00:31:16

the coaching program, right. I got debt free and

Anthony Weaver: 00:31:19

then they had it. Then, you know, they stopped bombarding you with emails.

Anthony Weaver: 00:31:22

Right. So they had a coaching program.

Anthony Weaver: 00:31:25

Went through their coaching program. But,

Anthony Weaver: 00:31:28

um, but obviously I feel like

Anthony Weaver: 00:31:30

needed more than that because I always want to keep learning

Anthony Weaver: 00:31:34

and go. And before that was, I was going to money seminars. I really was.

Anthony Weaver: 00:31:37

I was, I was reading books. That was just, just a crescendo for

Anthony Weaver: 00:31:40

say, hey, let me see what this coaching program is about. How can I help people? How can

Anthony Weaver: 00:31:43

I be of service? And I went through, um, then I got

Anthony Weaver: 00:31:46

my certified financial examiner. Oh,

Anthony Weaver: 00:31:48

that's something. That's my job. Job. My examiner. Hold on. That's my job.

Anthony Weaver: 00:31:53

What is my other, what's my other certification? What are you looking at?

Anthony Weaver: 00:31:57

My cfbi. Right, yeah. Certified Financial

Anthony Weaver: 00:32:00

education. Yeah. Instructor.

Anthony Weaver: 00:32:03

Yeah, that one. Yes. So I got, I got, I went to

Anthony Weaver: 00:32:06

that one because I was very serious. I

Anthony Weaver: 00:32:09

was like, I really want to help people, make sure I help them correctly, you

Anthony Weaver: 00:32:12

know? Yes, it's nice. I read, uh, books. I have those kind of

Anthony Weaver: 00:32:15

knowledge. But how can I put it together in a

Anthony Weaver: 00:32:17

package so they can be impactful for the

Anthony Weaver: 00:32:20

individual? Because everybody can have knowledge,

Anthony Weaver: 00:32:23

but you have people who go out and talk on the Stage, you have people

Anthony Weaver: 00:32:26

who go and move you. Right. Go on that same

Anthony Weaver: 00:32:29

stage and move you differently, Right?

Anthony Weaver: 00:32:30

Yeah.

Anthony Weaver: 00:32:31

Petra-Ann Brown: I want it to be impactful for my clients. So that's why I

Anthony Weaver: 00:32:34

continue to get the certification and growing. But when did I get it?

Anthony Weaver: 00:32:37

I don't know the date, but I got it. I have a

Anthony Weaver: 00:32:39

certification.

Anthony Weaver: 00:32:41

I want to be like you when I grow up. Just, just doing it

Anthony Weaver: 00:32:44

just because I was like, I don't know, I'm doing it. This is my

Anthony Weaver: 00:32:47

thing. Yeah.

Anthony Weaver: 00:32:49

So, you know, with all the impact and everything like that you're

Anthony Weaver: 00:32:52

providing, um, we just kind of move into the

Anthony Weaver: 00:32:55

futures a little bit. Which is, you know, where

Anthony Weaver: 00:32:58

do you feel is from a

Anthony Weaver: 00:33:01

financial expert, what do you feel is the

Anthony Weaver: 00:33:03

gaps that a lot of people are missing when it comes to their

Anthony Weaver: 00:33:06

finances?

Anthony Weaver: 00:33:08

Petra-Ann Brown: I used to say the know how. Right. But people are

Anthony Weaver: 00:33:11

reading so much information out there, so they have all this information

Anthony Weaver: 00:33:14

going on in their head. Everybody know you need to have an emergency fund, right. If

Anthony Weaver: 00:33:17

you go out and be like, oh, yeah, we need to advertise. Oh, I need the budget,

Anthony Weaver: 00:33:21

um, the action piece, the

Anthony Weaver: 00:33:23

action, please. The steps you need to take.

Anthony Weaver: 00:33:26

Everybody's like, okay, I know this, I know this, I know this. What's the

Anthony Weaver: 00:33:29

first step? What's the next step by giving them an order?

Anthony Weaver: 00:33:32

You know, I think give them. Giving them some kind of

Anthony Weaver: 00:33:35

direction, I think is what people are missing.

Anthony Weaver: 00:33:38

Once they have the. This is the moment and they start going. The first thing to do is go

Anthony Weaver: 00:33:41

to you, um, Google or YouTube, right? You're gonna get all this

Anthony Weaver: 00:33:43

information. You're gonna be bombarded m with information, some good, some

Anthony Weaver: 00:33:46

bad. They have a differentiate and cipher through that. But then

Anthony Weaver: 00:33:49

you're like, crap, where do I start? Yeah, I think

Anthony Weaver: 00:33:52

that's what people need. People need order of doing things.

Anthony Weaver: 00:33:55

So give us the order.

Anthony Weaver: 00:33:59

Petra-Ann Brown: What is the order, Petra? What is the order?

Anthony Weaver: 00:34:02

Okay, everybody's. Everybody's different kind of person where your starting point is.

Anthony Weaver: 00:34:05

But let's say you're starting from, um,

Anthony Weaver: 00:34:07

uh, nothing or you're. You're in a

Anthony Weaver: 00:34:10

lot of debt. Like I was first. You got to just

Anthony Weaver: 00:34:13

face those numbers. And I tell people all the time,

Anthony Weaver: 00:34:16

print your first three months of your bank statement.

Anthony Weaver: 00:34:20

I know why I do that with my clients, because it jolts

Anthony Weaver: 00:34:23

them. They have now, some people have never looked at their bank

Anthony Weaver: 00:34:26

statement, right? So. And

Anthony Weaver: 00:34:29

I'm talking about all of them. Your credit card, all of them, like

Anthony Weaver: 00:34:32

three months. And then go through that line by line,

Anthony Weaver: 00:34:35

taking that action alone. Give people

Anthony Weaver: 00:34:38

such a wake up call. It's unbelievable. Um,

Anthony Weaver: 00:34:41

almost everyone of my clients come across. I did not know. I

Anthony Weaver: 00:34:44

did not know I was spending so much on this. I did not know. Um, this

Anthony Weaver: 00:34:47

is where I was. So because we have imagination

Anthony Weaver: 00:34:49

or we have an idea of what's happening,

Anthony Weaver: 00:34:52

oh, I made a lot of debt. How much debt? I just feel like having

Anthony Weaver: 00:34:55

a lot of that. People have emotions and feelings, but until they actually

Anthony Weaver: 00:34:58

put numbers to that, and it's no longer conceptual,

Anthony Weaver: 00:35:01

but actual is, and it's like it hit you

Anthony Weaver: 00:35:04

over the head. And from there, you know, I like to say,

Anthony Weaver: 00:35:06

okay, what's next? What are your goals from

Anthony Weaver: 00:35:09

here, what you want to do? So after they do that, I have them,

Anthony Weaver: 00:35:12

as I said, depends on where they start. Different pathway.

Anthony Weaver: 00:35:16

Um, there was, you know, sometimes people have like 10 bank

Anthony Weaver: 00:35:18

accounts.

Anthony Weaver: 00:35:20

10. Wow.

Anthony Weaver: 00:35:21

Petra-Ann Brown: Okay, I know we had a lot of bank account, but

Anthony Weaver: 00:35:24

after. But let's back up a little bit. Once they look at their, their statements and

Anthony Weaver: 00:35:27

see what's going on, what actually you're going to take, you know,

Anthony Weaver: 00:35:30

if you say, well, I spend way too much on Uber Eats,

Anthony Weaver: 00:35:33

okay. And that's what you want to focus on. Okay, tell me what you want to focus on.

Anthony Weaver: 00:35:35

Or you can say, well, you know, I see a lot of

Anthony Weaver: 00:35:38

fees going on here. I didn't know these fees are coming out. I have a lot of

Anthony Weaver: 00:35:41

subscription. So whatever you see, the problem area is that you spend the most

Anthony Weaver: 00:35:44

money on. You're going to decide how you're going to cut that back.

Anthony Weaver: 00:35:47

Right. And then how's the flow of money coming in? I

Anthony Weaver: 00:35:50

want. I, I looked at that. Okay. Your money comes

Anthony Weaver: 00:35:53

here and it goes here, it goes here, it goes here. From your

Anthony Weaver: 00:35:56

paycheck, uh, does it go to one central

Anthony Weaver: 00:35:59

location and then disperse. You can actually see the flow

Anthony Weaver: 00:36:02

of money. You know, I like people to see. It's like,

Anthony Weaver: 00:36:04

streamline your money. I call it streamlining your money.

Anthony Weaver: 00:36:07

For, for example, your paycheck get deposited

Anthony Weaver: 00:36:11

into your checking account and you can automatically send it to some.

Anthony Weaver: 00:36:13

To savings. It can automatically send some over here. But at

Anthony Weaver: 00:36:16

least you see the lump sum that's coming in. And then you can start

Anthony Weaver: 00:36:19

allocating to where you want to allocate it to. I think you need, need to

Anthony Weaver: 00:36:22

organize your money in that sense. And

Anthony Weaver: 00:36:24

obviously, you know, before you even come to your checking account, please have.

Anthony Weaver: 00:36:27

It goes to your retirement account.

Anthony Weaver: 00:36:31

Let's plug that in there. Please have some so you don't see it.

Anthony Weaver: 00:36:34

All right. Uh, I know. And we, we go

Anthony Weaver: 00:36:37

from there. Also organize those. We stop putting a

Anthony Weaver: 00:36:40

planning motion and I do have to look at their credit

Anthony Weaver: 00:36:43

report, but that's down the road. But budgeting doesn't come in right away. People say,

Anthony Weaver: 00:36:46

oh, when I go to starting budget, I was like, wait a minute. We got to behaviors

Anthony Weaver: 00:36:49

first. You know, budget is not right away. We don't jump in that right

Anthony Weaver: 00:36:51

away. No, no, no. We got to change some behaviors first

Anthony Weaver: 00:36:54

because you.

Anthony Weaver: 00:36:55

I mean, obviously, Dave Ramsey got the seven steps. Is there like a

Anthony Weaver: 00:36:58

Petra steps? You know what I'm saying that you got.

Anthony Weaver: 00:37:00

Petra-Ann Brown: You know what? I was. I. I haven't named it.

Anthony Weaver: 00:37:03

Okay.

Anthony Weaver: 00:37:04

Petra-Ann Brown: But it's definitely a process that I go through that

Anthony Weaver: 00:37:07

definitely works and give the results that, um, my clients

Anthony Weaver: 00:37:10

need and. And want and they're happy with. But you're right.

Anthony Weaver: 00:37:13

I should do that. I should have, like a, you

Anthony Weaver: 00:37:16

know, outline it like that.

Anthony Weaver: 00:37:18

So, uh. Because I'm thinking of, um.

Anthony Weaver: 00:37:21

Because, okay, we got those entry barriers. A lot

Anthony Weaver: 00:37:24

of my audience. Well, the person has listened to this right now,

Anthony Weaver: 00:37:27

might understand that already. What is it

Anthony Weaver: 00:37:29

that they can do? Um, now that they got the.

Anthony Weaver: 00:37:34

They understand.

Anthony Weaver: 00:37:34

They finished beating themselves up, like, hey, you know,

Anthony Weaver: 00:37:37

I suck at this. Uh, now that

Anthony Weaver: 00:37:40

they have all their information and they feel even worse.

Anthony Weaver: 00:37:46

What should they do next?

Anthony Weaver: 00:37:48

Petra-Ann Brown: What do you ask me? What should they do next? In terms of what.

Anthony Weaver: 00:37:51

Because they. They know, okay. Like, they feel

Anthony Weaver: 00:37:54

like, okay, I need to cut back on some of the things.

Anthony Weaver: 00:37:57

Okay, they played the defense side of the house.

Anthony Weaver: 00:38:00

Where can we start making this money? Where can. Because now

Anthony Weaver: 00:38:03

that they found the money, where it's going at, um, they

Anthony Weaver: 00:38:06

started cutting everything out.

Anthony Weaver: 00:38:08

Petra-Ann Brown: We can't grow everything at once, though, Anthony. You know, somebody can go

Anthony Weaver: 00:38:11

cold turkey, but we want to jolt the system,

Anthony Weaver: 00:38:14

But I find it beneficial if we

Anthony Weaver: 00:38:17

reduce and we reduce and reduce.

Anthony Weaver: 00:38:20

So, for example, I had a client that go to Target every day.

Anthony Weaver: 00:38:23

She was like, I don't know why I go to Target every day. I just go to Target. I just pass. I

Anthony Weaver: 00:38:25

just stop at Target. I like Target. I'm like, that's great.

Anthony Weaver: 00:38:28

Fantastic. I say go to target because I get to target seven

Anthony Weaver: 00:38:31

days a week. Okay, what do you get? A target. Sometimes I

Anthony Weaver: 00:38:34

just walk around. I'm like, okay. You know, I was like,

Anthony Weaver: 00:38:37

okay, can we reduce that? Can we cut it down to maybe, you

Anthony Weaver: 00:38:40

know, some, uh. No, not seven days a week. She was

Anthony Weaver: 00:38:43

like, I can, you know, I can do. I can do 40.

Anthony Weaver: 00:38:46

I make them pick it. Obviously, it's your journey, right? I'm not going to give you a

Anthony Weaver: 00:38:49

number. You got to choose that number, because as your coach, I'm

Anthony Weaver: 00:38:52

going to hold you to it. And once you say it right, and

Anthony Weaver: 00:38:55

I write it down, I say, okay, four days this week,

Anthony Weaver: 00:38:57

right? Then in your head, you know, crafts.

Anthony Weaver: 00:39:01

And then just like that, she was able to do it.

Anthony Weaver: 00:39:04

And now she go to want to go to Target. Like

Anthony Weaver: 00:39:06

probably only when she needed. Cause she go her grocery shopping when she needs something for

Anthony Weaver: 00:39:09

her K. But she did that. So, um,

Anthony Weaver: 00:39:12

I don't say jump on it right away and get upset with yourself. Beat yourself

Anthony Weaver: 00:39:15

up. You don't know what you don't know. Just the learning process.

Anthony Weaver: 00:39:19

You gotta be upset with yourself for something that you didn't

Anthony Weaver: 00:39:21

know, you know, so that's a learning process. You've

Anthony Weaver: 00:39:24

been there. Now what? You take little steps. Little

Anthony Weaver: 00:39:27

steps. Um, what's it? What's it? What? I say,

Anthony Weaver: 00:39:30

um, Anthony, small steps made big changes or something like

Anthony Weaver: 00:39:33

that.

Anthony Weaver: 00:39:34

I mean, there's so many different analogies with that because I usually

Anthony Weaver: 00:39:37

say raindrops create oceans.

Anthony Weaver: 00:39:39

Petra-Ann Brown: Oh, I like that. I like. I've never heard that one.

Anthony Weaver: 00:39:42

Raindrops prayed oceans. Okay,

Anthony Weaver: 00:39:45

all right. I like it. Might steal that one.

Anthony Weaver: 00:39:49

Please, you don't got to quote me for it either. Just

Anthony Weaver: 00:39:52

take it. I was just say,

Anthony Weaver: 00:39:55

uh, so there's no plagiarism. I'll just say it's unknown.

Anthony Weaver: 00:39:58

Petra-Ann Brown: Okay.

Anthony Weaver: 00:40:00

Um, now, because we even talked a little

Anthony Weaver: 00:40:03

bit in the green room option as far as the future side of

Anthony Weaver: 00:40:06

the house, you were talking about technology. Um,

Anthony Weaver: 00:40:10

have you decided implementing AI or any

Anthony Weaver: 00:40:12

other technical tools that. Or apps that

Anthony Weaver: 00:40:15

has been helpful for your clients?

Anthony Weaver: 00:40:19

Petra-Ann Brown: For my clients, I usually if

Anthony Weaver: 00:40:22

they want to go to the budgeting piece, I tell them to go and explore

Anthony Weaver: 00:40:25

different budgeting options out there. So everybody know you need a

Anthony Weaver: 00:40:28

budget. Every dollar budget, you know. And

Anthony Weaver: 00:40:31

I say, okay, go look at them, see what you like.

Anthony Weaver: 00:40:34

I don't tell them. I don't recommend one over the other.

Anthony Weaver: 00:40:37

I use a Dave Ramsey one because that's what I started out with right when

Anthony Weaver: 00:40:39

I went to the program. And I really, I really enjoy it.

Anthony Weaver: 00:40:42

Are they limiting features? Probably, yeah, compared to the

Anthony Weaver: 00:40:45

others. But I got it down back.

Anthony Weaver: 00:40:48

It's like running like gravy. It's good. It's all good. Um,

Anthony Weaver: 00:40:51

but I have them go and do the research and

Anthony Weaver: 00:40:54

figure out what apps they look for. What is it that you need in the app,

Anthony Weaver: 00:40:57

what is it that you're trying to get from it? And they come back

Anthony Weaver: 00:41:00

to me and say, okay, let's start using it. Right, and we'll set it up

Anthony Weaver: 00:41:03

together. I sit with them and we go through it line

Anthony Weaver: 00:41:06

by line. Painstaking. We go through it together and set

Anthony Weaver: 00:41:09

it up and then we send them on their way to manage

Anthony Weaver: 00:41:12

it, you know, with their weekly, uh,

Anthony Weaver: 00:41:15

or monthly, um, date with their money.

Anthony Weaver: 00:41:18

I call it their date

Anthony Weaver: 00:41:21

night with their money. So each client, good night. They're

Anthony Weaver: 00:41:24

going to work with the money. They're a partner, they date night

Anthony Weaver: 00:41:27

with their money. So. Yeah.

Anthony Weaver: 00:41:28

Nice. Well, that's good. Um, are

Anthony Weaver: 00:41:31

you anything else?

Anthony Weaver: 00:41:32

Petra-Ann Brown: I'm sorry? Anything other than that? No, but I used to talk my for

Anthony Weaver: 00:41:35

myself business wise, if you never know about that.

Anthony Weaver: 00:41:38

Okay. Um, and you know, because at

Anthony Weaver: 00:41:41

this point we're going to start leaning into you.

Anthony Weaver: 00:41:44

Petra-Ann Brown: Me. Okay.

Anthony Weaver: 00:41:45

Yeah, let's.

Anthony Weaver: 00:41:45

Let's go and learn about you now. Uh, so, like, what

Anthony Weaver: 00:41:48

areas of focus that you looking to

Anthony Weaver: 00:41:51

improve on in your life?

Anthony Weaver: 00:41:54

Petra-Ann Brown: Uh, my whole self, Anthony. You

Anthony Weaver: 00:41:57

know, I just wanna,

Anthony Weaver: 00:42:01

um. Actually and I thought about this

Anthony Weaver: 00:42:04

at the end of last year, you know, every end of the year, do a reflection and

Anthony Weaver: 00:42:07

do a strategic plan and all this kind of stuff. And I said, what

Anthony Weaver: 00:42:10

do I want to do personally? Um,

Anthony Weaver: 00:42:13

I want to strengthen my walk with God,

Anthony Weaver: 00:42:16

you know. Yes, I am a believer in my faith. I go to

Anthony Weaver: 00:42:19

church regularly, but I still want to strengthen. I think

Anthony Weaver: 00:42:22

it could be stronger because with kids now,

Anthony Weaver: 00:42:24

I'm like, my son is doing track and

Anthony Weaver: 00:42:27

all the meets are on Sunday. And I did not know that when

Anthony Weaver: 00:42:30

I signed him up. And it's so upsetting to me because

Anthony Weaver: 00:42:33

like, they have no respect for people who are,

Anthony Weaver: 00:42:36

you know, who goes to church? And I told that to the

Anthony Weaver: 00:42:39

organizer. I say, don't you know that people go to church? You know,

Anthony Weaver: 00:42:42

can we put some on Saturdays? But you know, they explained to me that

Anthony Weaver: 00:42:45

they usually causes the spring, the summer we have more, um,

Anthony Weaver: 00:42:48

in outdoor track, we have more Saturdays when the indoor track

Anthony Weaver: 00:42:51

season, high school get preference. So because

Anthony Weaver: 00:42:54

he's in a club, he's, you know, he's only eight, he's in a club.

Anthony Weaver: 00:42:57

So I said, okay, okay, I understand. But so next year we won't be doing

Anthony Weaver: 00:42:59

indoor track, obviously.

Anthony Weaver: 00:43:02

Yeah, look, you better get one of those treadmills from Amazon.

Anthony Weaver: 00:43:05

Petra-Ann Brown: No, we're not, we're not, not doing that. Coming up.

Anthony Weaver: 00:43:08

But I want to strengthen my walk with God and

Anthony Weaver: 00:43:11

for my business wise, um, what I want to improve

Anthony Weaver: 00:43:14

what you said. What's going. I want to do. Ask me a question.

Anthony Weaver: 00:43:16

Oh, this, um, what habits that you.

Anthony Weaver: 00:43:19

Or areas of focus that you plan on doing.

Anthony Weaver: 00:43:21

Petra-Ann Brown: Okay, so, um, technology

Anthony Weaver: 00:43:24

wise, I am, I'm behind the A ball

Anthony Weaver: 00:43:27

because before I start my business I avoided

Anthony Weaver: 00:43:30

social media. I was one of those people just off the grid. So

Anthony Weaver: 00:43:33

now I have to play catch up and I don't have the means

Anthony Weaver: 00:43:36

to hire somebody to do that job that I don't like yet.

Anthony Weaver: 00:43:39

I will get there, I'll soon outsource it. I'm telling you, I'm going to

Anthony Weaver: 00:43:42

fire myself soon. I pray to Jesus. I. But in the

Anthony Weaver: 00:43:44

meantime, what is it?

Anthony Weaver: 00:43:45

What is it? What is it that you don't want to do?

Anthony Weaver: 00:43:49

Petra-Ann Brown: I don't want to do my social media. You know, I would like to be.

Anthony Weaver: 00:43:52

And because of everything that's going on in my life in terms of, you know,

Anthony Weaver: 00:43:54

um, have my full time job. I've been an

Anthony Weaver: 00:43:57

entrepreneur, having my kids, my family. I'm not

Anthony Weaver: 00:44:00

as consistent as I would like to be. And I know they're

Anthony Weaver: 00:44:03

scheduling apps out there and I was like, okay, I got to find

Anthony Weaver: 00:44:06

a day to just sit down and do m all these recordings. I have it in my

Anthony Weaver: 00:44:09

head, I just need to do that. And so

Anthony Weaver: 00:44:12

that technology, um, and putting

Anthony Weaver: 00:44:15

systems in place, building systems, I really want to

Anthony Weaver: 00:44:18

get that done this year so that I think if I have systems in

Anthony Weaver: 00:44:21

place then it will be easier for me to get what it is that I need and

Anthony Weaver: 00:44:24

it won't be such a chore. Right. Because it's

Anthony Weaver: 00:44:26

just friction there. And that's what we do in financial coaching. I try to move

Anthony Weaver: 00:44:29

the friction so people can, um, move

Anthony Weaver: 00:44:32

on and um, get that financial deal

Anthony Weaver: 00:44:35

to stability that they want. Once you remove those frictions, people

Anthony Weaver: 00:44:38

can. Okay, this is easy, right? But

Anthony Weaver: 00:44:41

yeah, I gotta remove all those frictions that I have,

Anthony Weaver: 00:44:44

which is a lot.

Anthony Weaver: 00:44:46

That's a lot.

Anthony Weaver: 00:44:48

Petra-Ann Brown: Technology wise.

Anthony Weaver: 00:44:49

Yeah, yeah. Uh, well, that's the beauty of

Anthony Weaver: 00:44:52

having these conversations and being around the people that are

Anthony Weaver: 00:44:55

in this space. Um, because systems,

Anthony Weaver: 00:44:58

I love to play around with systems. Uh, my

Anthony Weaver: 00:45:01

system is not to have a system because I like to try everything.

Anthony Weaver: 00:45:04

Petra-Ann Brown: Uh, good for you. Where do you find the time

Anthony Weaver: 00:45:07

to play around? I'm like, I need to get it done.

Anthony Weaver: 00:45:09

Like, uh, schedule.

Anthony Weaver: 00:45:11

So one of the things, uh, because I had her on the show

Anthony Weaver: 00:45:15

is Brenda that Joy. And one of

Anthony Weaver: 00:45:18

the things that she said as she was a keynote

Anthony Weaver: 00:45:20

speaker for Flingcon at one point.

Anthony Weaver: 00:45:23

Uh, she.

Anthony Weaver: 00:45:24

Petra-Ann Brown: I love her by the way. I really love her. She was on my show too. She's

Anthony Weaver: 00:45:26

amazing. So proud, doing great things.

Anthony Weaver: 00:45:30

Uh, she mentioned talking about like, um,

Anthony Weaver: 00:45:33

setting time and really limiting your time

Anthony Weaver: 00:45:36

to other people. And that's part of her flow strategy.

Anthony Weaver: 00:45:39

So flow acronym has

Anthony Weaver: 00:45:42

something. But the L part

Anthony Weaver: 00:45:45

was the most Impactful to me. And since I've been

Anthony Weaver: 00:45:47

implementing that part, it has helped me out

Anthony Weaver: 00:45:50

a lot with my podcast. So, like for these

Anthony Weaver: 00:45:53

interviews, most of my interviews are either Friday, Saturday or Sunday.

Anthony Weaver: 00:45:56

I don't really try to do anything throughout the week because when

Anthony Weaver: 00:45:59

I tried it, there's a lot of no shows.

Anthony Weaver: 00:46:02

And since I've limited, everybody

Anthony Weaver: 00:46:05

shows up M. So I haven't had any

Anthony Weaver: 00:46:08

cancellations or nothing. If it's a cancellation,

Anthony Weaver: 00:46:11

more likely my fault because I was like, uh, I can't make

Anthony Weaver: 00:46:13

it push the time back

Anthony Weaver: 00:46:16

a little bit. But yeah, it was just either

Anthony Weaver: 00:46:19

doing it that way. So that's the reason why, like some

Anthony Weaver: 00:46:22

people, like, it's just you. And I'm like, yeah, that

Anthony Weaver: 00:46:25

was like how you posting all this time and doing three

Anthony Weaver: 00:46:29

posting for your, uh, your shows and everything like

Anthony Weaver: 00:46:32

that. It's like you got to schedule everything out.

Anthony Weaver: 00:46:36

Petra-Ann Brown: But how do you schedule when you have a four year old? Oh, no, he's five. He

Anthony Weaver: 00:46:39

just turned five. Five and an eight year old.

Anthony Weaver: 00:46:41

I don't have kids.

Anthony Weaver: 00:46:45

But it, it comes back to,

Anthony Weaver: 00:46:47

uh, you know, do what you can because I see a lot of people

Anthony Weaver: 00:46:50

with social media with kids, and what they do is kind of

Anthony Weaver: 00:46:53

implement their kids in that process. And because

Anthony Weaver: 00:46:56

they. Making the kids part of it, you do a lot.

Anthony Weaver: 00:46:59

Um, you can allot some money to their

Anthony Weaver: 00:47:02

income and so you can actually create a brokerage account

Anthony Weaver: 00:47:05

for them and so you can donate. I think it's what, up to

Anthony Weaver: 00:47:08

16,000?

Anthony Weaver: 00:47:09

Petra-Ann Brown: Yeah, I know that process, but I don't want my kids on

Anthony Weaver: 00:47:12

social. You know, I feel like, no, no.

Anthony Weaver: 00:47:14

They like, they hold your camera up for you. Like they don't have to be.

Anthony Weaver: 00:47:16

Oh, like they're doing things for

Anthony Weaver: 00:47:19

you.

Anthony Weaver: 00:47:20

Petra-Ann Brown: Okay.

Anthony Weaver: 00:47:20

To incorporate them in the business

Anthony Weaver: 00:47:23

without showing their face. So.

Anthony Weaver: 00:47:26

Petra-Ann Brown: Okay, okay. Maybe my 8 year old can do

Anthony Weaver: 00:47:29

something. Yeah, you're right. He can do something. My 4 year old,

Anthony Weaver: 00:47:32

my 5 year old. He's 5. He's 5. He's five.

Anthony Weaver: 00:47:35

Let's go, y' all. I gotta figure it out.

Anthony Weaver: 00:47:39

He thinks he's a man, but he's not

Anthony Weaver: 00:47:43

like, I can do it, mommy. I'm like, no, you can't. I'm

Anthony Weaver: 00:47:46

like, yes, you can, honey. Go try. Thank you for trying. In my head, I'm like, no, you

Anthony Weaver: 00:47:49

can't. Yeah, a good try. Okay. Yeah,

Anthony Weaver: 00:47:52

you know what? That's a good point, Anthony. I will take that, I will take that and

Anthony Weaver: 00:47:55

do something with that, but limiting. Yeah,

Anthony Weaver: 00:47:57

I like that. I like that. I will,

Anthony Weaver: 00:48:00

I marinate on that and see what I can do with that. Thank you.

Anthony Weaver: 00:48:03

Yeah, you're welcome. Um, because I believe I was in church

Anthony Weaver: 00:48:06

one day and they was like, well, if you make time out for work, you can

Anthony Weaver: 00:48:09

make time out for church. And I was like, well,

Anthony Weaver: 00:48:12

what about the rest of my life? We

Anthony Weaver: 00:48:15

talk about, about that. Like, no, church only. And I was like, okay,

Anthony Weaver: 00:48:18

I don't need to be here anymore. So that's what happened

Anthony Weaver: 00:48:22

with that.

Anthony Weaver: 00:48:23

Petra-Ann Brown: Let me get this right. With that church, right? It didn't just

Anthony Weaver: 00:48:26

cross off church.

Anthony Weaver: 00:48:27

Right, right.

Anthony Weaver: 00:48:27

Petra-Ann Brown: Okay.

Anthony Weaver: 00:48:28

Just with that one, because I was like, come on now. Like, I got

Anthony Weaver: 00:48:31

a life too.

Anthony Weaver: 00:48:32

Petra-Ann Brown: Um, there's a balance and it's necessary.

Anthony Weaver: 00:48:35

Right. Um, people tend to forget that, you know, people in the

Anthony Weaver: 00:48:38

Bible, they dance, they socialize, they had dinner

Anthony Weaver: 00:48:41

parties, you know, they got to, they had gatherings, they got together. And

Anthony Weaver: 00:48:44

it's very important for us to be with people. I truly

Anthony Weaver: 00:48:47

believe that. It's very important.

Anthony Weaver: 00:48:49

So what do you think? Um, is very

Anthony Weaver: 00:48:52

essential for people

Anthony Weaver: 00:48:56

who haven't started yet and they looking to start.

Anthony Weaver: 00:49:00

Petra-Ann Brown: It's either you're going to start. I, uh, don't think you're looking to start.

Anthony Weaver: 00:49:03

I think you start, you know, once you have that, this is that

Anthony Weaver: 00:49:06

moment you are starting because your brain already

Anthony Weaver: 00:49:09

switched off and say, okay, something's getting done. We're

Anthony Weaver: 00:49:12

going to do this now once you are there. And

Anthony Weaver: 00:49:15

once again, we need those steps, right? You,

Anthony Weaver: 00:49:18

you going to figure out what your pain points are, you know, you know,

Anthony Weaver: 00:49:21

what your problems are. You know, if you go to anybody that's

Anthony Weaver: 00:49:24

like, I'm a spender, I like to spend. Or so,

Anthony Weaver: 00:49:26

yeah, I like to go out with friends, like, you know, everybody

Anthony Weaver: 00:49:29

knows something about the behavior that

Anthony Weaver: 00:49:32

is keeping them back from the financial stability that they want. They might know

Anthony Weaver: 00:49:35

everything yet. You know, I can look at it and do an analysis of everything,

Anthony Weaver: 00:49:38

but at a minimum, you know what

Anthony Weaver: 00:49:42

those core issues are that you're

Anthony Weaver: 00:49:45

working with. As for me, as I said it was, I know it's my family and it was

Anthony Weaver: 00:49:47

eaten out every weekend with my family. I know. So if you're looking

Anthony Weaver: 00:49:50

to start, admit, um, it to yourself.

Anthony Weaver: 00:49:53

Be honest. Be honest with that.

Anthony Weaver: 00:49:56

Um, I think once you can say it out loud like,

Anthony Weaver: 00:49:59

okay, I'm, um, broke, you know, I don't have

Anthony Weaver: 00:50:02

the money. And take away that facade, right? And

Anthony Weaver: 00:50:05

just be true to yourself, truthful to yourself, and especially

Anthony Weaver: 00:50:08

so challenging if people see you as the one that, with the

Anthony Weaver: 00:50:11

money, right. People see that the one that's doing

Anthony Weaver: 00:50:14

well. And you have to change that whole perception of

Anthony Weaver: 00:50:17

what they have of you, it can be, it can be a little bit.

Anthony Weaver: 00:50:19

If that was your identity, it can be a challenge. But you

Anthony Weaver: 00:50:22

have to be true to yourself and then start living in that truth and work to where you want to

Anthony Weaver: 00:50:25

go. Know that it's only temporary. It is only temporary.

Anthony Weaver: 00:50:28

You're passing through and as you get through one obstacle, you're going to get

Anthony Weaver: 00:50:31

to the next one. Whatever you're going through do is building you and forging

Anthony Weaver: 00:50:34

you to be the virgin of yourself that you want to

Anthony Weaver: 00:50:37

be.

Anthony Weaver: 00:50:38

Nice. Well said. Well said.

Anthony Weaver: 00:50:40

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

Anthony Weaver: 00:50:43

dive into the final four questions?

Anthony Weaver: 00:50:46

Petra-Ann Brown: Uh,

Anthony Weaver: 00:50:49

I was in a Tony Robbins,

Anthony Weaver: 00:50:52

um, seminar workshop, three day free

Anthony Weaver: 00:50:55

workshop that he does at the beginning of the year. It's my first

Anthony Weaver: 00:50:58

time going to one of them. I've seen his clips

Anthony Weaver: 00:51:01

coming and stuff. And he said something, he said, if you

Anthony Weaver: 00:51:03

can't, then you must.

Anthony Weaver: 00:51:06

People are so fearful because, oh, I can't do that. Or, you know,

Anthony Weaver: 00:51:09

whatever. He said, if you can't, then you must. So those cold calls

Anthony Weaver: 00:51:12

you talk about that I make, you know, I don't know

Anthony Weaver: 00:51:15

that that just happened, but, you know, because I'm so

Anthony Weaver: 00:51:18

scared. That's why I do most of the things I do, because I'm m.

Anthony Weaver: 00:51:21

Like, if it's scary that, I mean, it's going to yield great results.

Anthony Weaver: 00:51:26

But, but for anything to happen in your life, you have

Anthony Weaver: 00:51:29

to take massive action. You have to act. So

Anthony Weaver: 00:51:32

I'm telling anybody that's listening or watching this,

Anthony Weaver: 00:51:35

but any change to happen, you gotta act. You gotta

Anthony Weaver: 00:51:38

be, you gotta take initiative. You gotta start, um,

Anthony Weaver: 00:51:40

sitting on the sideline, just hoping and dreaming or thinking

Anthony Weaver: 00:51:43

about what could be. No, you

Anthony Weaver: 00:51:46

gotta start and don't. I know people say this all the time, it's

Anthony Weaver: 00:51:49

so contrary, but, oh, uh, it has to be perfect.

Anthony Weaver: 00:51:53

Just get out of your head. Get out of your head. It might

Anthony Weaver: 00:51:55

look stupid doing it, it might fall down, it might bruise yourself. It's

Anthony Weaver: 00:51:58

okay. This is your life. I'm not sitting around thinking about

Anthony Weaver: 00:52:01

your life and what your problems are. Only you. It's happening to

Anthony Weaver: 00:52:04

you, right?

Anthony Weaver: 00:52:05

Because you got our own lives to live, right?

Anthony Weaver: 00:52:07

Petra-Ann Brown: So get out of here. How are people gonna think like nobody's in the

Anthony Weaver: 00:52:10

home thinking about you and your financial issues. Only

Anthony Weaver: 00:52:13

you are facing that in your family. So you need to be like, you don't need to be concerned

Anthony Weaver: 00:52:16

about you and your family. I know what everybody else think or feel or see or

Anthony Weaver: 00:52:19

might have their perception of human may

Anthony Weaver: 00:52:22

be. So think about that got it.

Anthony Weaver: 00:52:25

All right, so you ready for the final four?

Anthony Weaver: 00:52:27

Petra-Ann Brown: Okay. What's the final four?

Anthony Weaver: 00:52:29

All righty. So the way how the final four works are the final

Anthony Weaver: 00:52:32

four questions. They same for everybody. Unless, um, you've been on

Anthony Weaver: 00:52:35

the show multiple times, you get different.

Anthony Weaver: 00:52:37

Petra-Ann Brown: Uh, but the first time. Yes.

Anthony Weaver: 00:52:39

The first time you get some water.

Anthony Weaver: 00:52:41

Petra-Ann Brown: I'm just give myself a.

Anthony Weaver: 00:52:54

Perfect.

Anthony Weaver: 00:52:54

All right, so number one.

Anthony Weaver: 00:52:56

Petra-Ann Brown: Yes.

Anthony Weaver: 00:52:57

What does wealth mean to you?

Anthony Weaver: 00:53:00

Petra-Ann Brown: Oh, wealth means to me, choices,

Anthony Weaver: 00:53:03

choices, experience

Anthony Weaver: 00:53:07

and the ability to give back. Um, and I say

Anthony Weaver: 00:53:10

choices. I mean, like Anthony,

Anthony Weaver: 00:53:13

I was not able to. Like, my son said he

Anthony Weaver: 00:53:16

wants to do track, and I said, okay, he can do track,

Anthony Weaver: 00:53:19

and I can be there. I can be at practices. I can go to

Anthony Weaver: 00:53:22

games. Even though it's on Sunday right now. I can go to games. You

Anthony Weaver: 00:53:25

know, I can go to meet. Sorry, not games. Meets. Right.

Anthony Weaver: 00:53:28

I have choices. I have. I can do

Anthony Weaver: 00:53:31

experiences like we go on vacation once a year and.

Anthony Weaver: 00:53:34

Because that's what my value is. And I can do all

Anthony Weaver: 00:53:37

inclusive because, um, mommy need a rest, and I don't want to think about

Anthony Weaver: 00:53:40

making breakfast. So. So right now,

Anthony Weaver: 00:53:43

because they're still young, we're doing all inclusive because I'm not working.

Anthony Weaver: 00:53:45

Okay. I need a vacation too. So you're hungry. Great. Go to the

Anthony Weaver: 00:53:48

hut right over there. Go to that hut. Right. You want

Anthony Weaver: 00:53:51

some juice later? Have some juice. Right?

Anthony Weaver: 00:53:55

So. But I guess what it gives

Anthony Weaver: 00:53:58

me. And who doesn't want that?

Anthony Weaver: 00:54:00

Yeah. I mean, honestly, I can't wait to

Anthony Weaver: 00:54:03

see you post on how you do these all

Anthony Weaver: 00:54:06

inclusive. Because I'm like. I mean, I should put.

Anthony Weaver: 00:54:08

Petra-Ann Brown: Thank you. I don't post on anything. Oh, my

Anthony Weaver: 00:54:11

God. That's my problem. I don't think. I don't think to post.

Anthony Weaver: 00:54:14

Like, I got to get into that mindset of pet. Oh, this could be a post.

Anthony Weaver: 00:54:17

I don't think like that.

Anthony Weaver: 00:54:20

Not right now. Not right now. I'm not gonna say

Anthony Weaver: 00:54:23

I gotta think like that. Right.

Anthony Weaver: 00:54:25

Well, I mean, like you said, you can't, which means that

Anthony Weaver: 00:54:28

you must.

Anthony Weaver: 00:54:29

Petra-Ann Brown: Yes.

Anthony Weaver: 00:54:29

But if this one of those cancers. Okay.

Anthony Weaver: 00:54:32

Petra-Ann Brown: Yeah, I gotta. I gotta think. I gotta change my mindset around that. Just

Anthony Weaver: 00:54:34

think, oh, this is the, um. This is. Does he do it? I say do it. Does something

Anthony Weaver: 00:54:37

happen? Oh, this could be a post.

Anthony Weaver: 00:54:39

Wait, this could be. I mean, I'll take

Anthony Weaver: 00:54:41

posts of me just eating food. Um,

Anthony Weaver: 00:54:44

so it's okay.

Anthony Weaver: 00:54:45

Petra-Ann Brown: Yeah, that's so mundane, I would think.

Anthony Weaver: 00:54:48

Oh, so mundane.

Anthony Weaver: 00:54:49

Okay, well, put some text. Put some texts on there.

Anthony Weaver: 00:54:52

I mean, you know.

Anthony Weaver: 00:54:53

Petra-Ann Brown: All right. Okay. New me 2025. You're

Anthony Weaver: 00:54:56

gonna see more. Woo. I'm ready. I'm

Anthony Weaver: 00:54:59

ready. I'm taking charge here.

Anthony Weaver: 00:55:02

Number two.

Anthony Weaver: 00:55:03

Petra-Ann Brown: Uh-huh.

Anthony Weaver: 00:55:04

What was your worst money mistake?

Anthony Weaver: 00:55:07

Petra-Ann Brown: Um, as I said, giving too much to family. But

Anthony Weaver: 00:55:10

I, I love them there and I want to support them. But um, one of the worst, one

Anthony Weaver: 00:55:13

of the mistakes I made was when I started my job. I knew because I went

Anthony Weaver: 00:55:16

to business school, right. In my accounting degree and all that stuff. My,

Anthony Weaver: 00:55:20

um, I knew to contribute to my retirement

Anthony Weaver: 00:55:23

account what I didn't do because

Anthony Weaver: 00:55:25

it was in the 2008 whole financial

Anthony Weaver: 00:55:28

craziness. Right. Um, didn't get a

Anthony Weaver: 00:55:31

raise for a while. So my initial plan was every time I get a

Anthony Weaver: 00:55:34

raise, I'll put that difference in. Because my raise was.

Anthony Weaver: 00:55:37

My money was frozen. Everything didn't get raises. I really

Anthony Weaver: 00:55:39

didn't. What I should have done was no matter what,

Anthony Weaver: 00:55:42

every year I increased that even by

Anthony Weaver: 00:55:44

$50. Increase my contribution year over year.

Anthony Weaver: 00:55:47

That's what I should have done. So it's okay. But it could have been

Anthony Weaver: 00:55:50

so much better

Anthony Weaver: 00:55:54

if I just increased it year over year. It would have been so

Anthony Weaver: 00:55:57

nice.

Anthony Weaver: 00:55:58

All right, number three.

Anthony Weaver: 00:56:00

Petra-Ann Brown: Mhm.

Anthony Weaver: 00:56:00

Is there a book that inspired your

Anthony Weaver: 00:56:03

journey or change your perspective?

Anthony Weaver: 00:56:06

Petra-Ann Brown: Um, what? Not really inspired

Anthony Weaver: 00:56:09

or changed, but reinforced what I knew. And that's the Million,

Anthony Weaver: 00:56:12

um, the Millionaire Next Door. I read

Anthony Weaver: 00:56:15

that and I, and I reread it and I was like,

Anthony Weaver: 00:56:17

yeah, because reason we. It reinforced what

Anthony Weaver: 00:56:20

I knew is because I know individuals that are like

Anthony Weaver: 00:56:23

multi millionaires and you'll never know because they

Anthony Weaver: 00:56:26

look dirty, they look beat up because they're coming from work,

Anthony Weaver: 00:56:29

they will help their own businesses and you'll just never know. So many

Anthony Weaver: 00:56:32

people have come to me and told me their stories and I was like,

Anthony Weaver: 00:56:35

the millionaires that you're looking for are the

Anthony Weaver: 00:56:38

carpenters or the contractors or the

Anthony Weaver: 00:56:41

electrician. You might be laughing at them,

Anthony Weaver: 00:56:44

thinking their pants is under their butt, you know. But guess what,

Anthony Weaver: 00:56:47

that man, you're paying him a hundred dollars for

Anthony Weaver: 00:56:50

like half an hour or $500 for the.

Anthony Weaver: 00:56:53

They're, they're millionaires, they're rich, they got the money.

Anthony Weaver: 00:56:58

I love that book.

Anthony Weaver: 00:57:00

Petra-Ann Brown: Yeah, it's a good book, right? Every time I,

Anthony Weaver: 00:57:03

I read it twice, every time I reread it, it got,

Anthony Weaver: 00:57:06

got something new from it. Like something that just passed over before.

Anthony Weaver: 00:57:09

Cause you had different place to your life so you get different meanings from different things.

Anthony Weaver: 00:57:13

I like that.

Anthony Weaver: 00:57:16

Number four, what is your

Anthony Weaver: 00:57:19

favorite dish to make?

Anthony Weaver: 00:57:20

Petra-Ann Brown: My favorite dish to make is chicken foot soup.

Anthony Weaver: 00:57:27

Chicken foot soup. The reason why it's so easy to make. I.

Anthony Weaver: 00:57:30

When the kids and I always make Saturday soup, I

Anthony Weaver: 00:57:33

still do that, and I still make Saturday soup.

Anthony Weaver: 00:57:36

And if you ask any Islander, they tell you especially Jamaican

Anthony Weaver: 00:57:39

soup. You just cook on Saturdays. Don't know ramen reasons. What's funny

Anthony Weaver: 00:57:42

is cook. And I just continue that tradition because that's what I

Anthony Weaver: 00:57:45

know. But it just put everything in the pop. Some dumplings, some

Anthony Weaver: 00:57:47

potatoes. Yeah. You know, it doesn't. One pot, and

Anthony Weaver: 00:57:50

it's a hearty meal, and you're good to go.

Anthony Weaver: 00:57:52

Okay. Is there, like, a veggie option? Because.

Anthony Weaver: 00:57:56

Just asking for it.

Anthony Weaver: 00:57:59

Petra-Ann Brown: Actually. Actually, I brought it,

Anthony Weaver: 00:58:01

um, unknowingly. I brought it to work, um, earlier

Anthony Weaver: 00:58:04

in my career. And actually, you know, look at

Anthony Weaver: 00:58:07

eating area cafeteria, and I was sucking up my foot, my

Anthony Weaver: 00:58:10

chicken foot, and put it like. They

Anthony Weaver: 00:58:13

were like, The Americans are like,

Anthony Weaver: 00:58:16

what? I'm not there. But the good thing is that I

Anthony Weaver: 00:58:19

had a Polish, um, co. Um,

Anthony Weaver: 00:58:22

worker as well, and a Chinese co worker.

Anthony Weaver: 00:58:25

And they know what it was. No, not. Not the Polish one. The

Anthony Weaver: 00:58:28

Chinese co worker. And who was that one? Was

Anthony Weaver: 00:58:31

she Beijing or she Italian? Another Islander.

Anthony Weaver: 00:58:34

And they knew exactly. You know, they was like, oh, we love it,

Anthony Weaver: 00:58:36

too. I'm like, great. Everyone was like, eating a

Anthony Weaver: 00:58:39

chicken foot. They didn't even know it was edible. And

Anthony Weaver: 00:58:42

the thing is, Anthony, you can't even find it in the supermarket. Like, it

Anthony Weaver: 00:58:45

goes like hotcake. Okay.

Anthony Weaver: 00:58:47

Wow.

Anthony Weaver: 00:58:47

Petra-Ann Brown: You have to go there. Yeah. One of the. One of the person working there,

Anthony Weaver: 00:58:50

I was like, you have a chicken foot in the back? He was like, no. He said, before I work here,

Anthony Weaver: 00:58:53

I didn't know that thing sold. But now I come here working at this grocery

Anthony Weaver: 00:58:56

market. I'm doing, you know, packing. He was like, that's the number one

Anthony Weaver: 00:58:59

thing people fight over is chicken foot. I'm like, yeah,

Anthony Weaver: 00:59:02

that's. It's a hot commodity. Chicken foot is great.

Anthony Weaver: 00:59:05

But, um, I can make you any kind of soup. I love soup. Soup.

Anthony Weaver: 00:59:08

Okay. Because I was looking at the ingredients because it

Anthony Weaver: 00:59:11

was reminding me a little bit about corn soup, but.

Anthony Weaver: 00:59:14

Petra-Ann Brown: Oh, okay. Uh-huh.

Anthony Weaver: 00:59:15

Yeah. I like corn soup.

Anthony Weaver: 00:59:17

Petra-Ann Brown: Okay. Or pepper soup. You like pepper soup?

Anthony Weaver: 00:59:20

I haven't tried pepper soup.

Anthony Weaver: 00:59:22

Petra-Ann Brown: Really? Okay.

Anthony Weaver: 00:59:23

Yeah. I might add that to my list.

Anthony Weaver: 00:59:24

Petra-Ann Brown: You eat goat?

Anthony Weaver: 00:59:25

Uh, yes.

Anthony Weaver: 00:59:26

Petra-Ann Brown: Are you. Do you eat meat?

Anthony Weaver: 00:59:28

I do from time to time. I don't like.

Anthony Weaver: 00:59:31

Petra-Ann Brown: I don't. I don't indulge in it like that. I. I had. Cut it out. Um,

Anthony Weaver: 00:59:34

but I m like, do you know, like, my kids are probably

Anthony Weaver: 00:59:37

getting me twice a week I try to cut down on it. That's the thing that

Anthony Weaver: 00:59:40

we do in our family. So when we do chicken foot. But

Anthony Weaver: 00:59:43

yeah, okay. Pepper soup is with goat.

Anthony Weaver: 00:59:46

Uh, that's interesting.

Anthony Weaver: 00:59:47

Okay, we have to talk offline about that.

Anthony Weaver: 00:59:52

Uh, this is the very last question of the show, which is

Anthony Weaver: 00:59:55

where could people find out more about you?

Anthony Weaver: 00:59:58

Petra-Ann Brown: Oh, my goodness. Please check out my

Anthony Weaver: 01:00:00

podcast. It's everywhere. Spotify, Apple

Anthony Weaver: 01:00:03

podcast, Hyatt Radio, YouTube, um,

Anthony Weaver: 01:00:06

Islands, Money 365, where we share the immigrant

Anthony Weaver: 01:00:08

migration story, their success, their failures, and their

Anthony Weaver: 01:00:11

triumphs. I also share money, um,

Anthony Weaver: 01:00:14

money lingo as well. Money ideas, how to get there, how to

Anthony Weaver: 01:00:17

rebuild yourself. Also my website,

Anthony Weaver: 01:00:20

www.brownfinancialsolutions.com

Anthony Weaver: 01:00:23

and same thing for Facebook.

Anthony Weaver: 01:00:26

See, I'm there. I promise. There's stuff on their

Anthony Weaver: 01:00:29

financial solutions and on instagram.

Anthony Weaver: 01:00:31

Island money 365.

Anthony Weaver: 01:00:34

Nice.

Anthony Weaver: 01:00:35

Petra-Ann Brown: And right here about that wallet.

Anthony Weaver: 01:00:39

Well, one of the things I might have to do is,

Anthony Weaver: 01:00:41

um, because I did do a geek out

Anthony Weaver: 01:00:44

session that aren't for my regular day audience.

Anthony Weaver: 01:00:47

We were talking about just geeking out about podcasting,

Anthony Weaver: 01:00:50

the features of podcasting and how could we do

Anthony Weaver: 01:00:53

better and stuff like that. Um, I might

Anthony Weaver: 01:00:56

have to bring you back on just to kind of talk about from a

Anthony Weaver: 01:00:59

podcasting realm.

Anthony Weaver: 01:01:00

Petra-Ann Brown: Okay.

Anthony Weaver: 01:01:01

What do you like about it, what you don't like about it, how can

Anthony Weaver: 01:01:04

you get better and stuff like that? I'm not sure if I'll make that a whole

Anthony Weaver: 01:01:07

nother segment, but this is something that has been

Anthony Weaver: 01:01:11

on my mind. Yeah. So if you're listening

Anthony Weaver: 01:01:14

to this right now, you think like, hey, I will be

Anthony Weaver: 01:01:17

interested in a podcast episode just to kind of

Anthony Weaver: 01:01:20

talk about this. Go to and leave a comment on

Anthony Weaver: 01:01:22

Spotify, because you can leave a comment on the actual episode

Anthony Weaver: 01:01:25

or even on YouTube. So I look forward to hear

Anthony Weaver: 01:01:28

about it.

Anthony Weaver: 01:01:29

Petra-Ann Brown: Yeah, I'll let you know. I like it. I put some. Put

Anthony Weaver: 01:01:32

some words down there. Put some

Anthony Weaver: 01:01:35

words. I would like to talk about it. I know it's gonna be

Anthony Weaver: 01:01:38

helpful.

Anthony Weaver: 01:01:39

Hey, I mean, one of the cool things is that I like

Anthony Weaver: 01:01:43

the, uh, the questions from

Anthony Weaver: 01:01:46

new podcasters about how they can get

Anthony Weaver: 01:01:48

better. Um, and it gets me to think about

Anthony Weaver: 01:01:51

ways that I can actually get better. Because for me, I

Anthony Weaver: 01:01:54

can only talk about what I've experienced and what I've seen and what's

Anthony Weaver: 01:01:57

coming down the pipes, which has been good.

Anthony Weaver: 01:01:59

Um, but also, everybody's podcast and everybody's audience

Anthony Weaver: 01:02:02

is different. So, yes, what might work for me might not work for

Anthony Weaver: 01:02:05

you. Just like personal finance is personal

Anthony Weaver: 01:02:08

running your Podcast business is personal, too, because

Anthony Weaver: 01:02:11

it depends on your.

Anthony Weaver: 01:02:13

Petra-Ann Brown: Yes, yes, I love it. Um, though I love talking to people. I like hearing

Anthony Weaver: 01:02:16

stories. I like stories. Anthony, tell me, how

Anthony Weaver: 01:02:19

did you get here? How did you get here? You know, I just want to

Anthony Weaver: 01:02:21

know.

Anthony Weaver: 01:02:22

Well, that's why I asked you your questions in a. In a different

Anthony Weaver: 01:02:25

way, to kind of get through your story. I didn't. You

Anthony Weaver: 01:02:28

know, we touched on a few things, but we'll get

Anthony Weaver: 01:02:31

there.

Anthony Weaver: 01:02:32

All right. I'm sure you who are

Anthony Weaver: 01:02:35

listening is tired of us bantering

Anthony Weaver: 01:02:38

at this point, so.

Anthony Weaver: 01:02:39

Petra-Ann Brown: No, we're absolutely amazing.

Anthony Weaver: 01:02:42

Never.

Anthony Weaver: 01:02:43

Oh, yeah, they never. Obviously, you

Anthony Weaver: 01:02:46

love us if you stayed this long.

Anthony Weaver: 01:02:48

Um, so, because you made it this long, I just want

Anthony Weaver: 01:02:51

to let you know you do have what it takes, uh,

Anthony Weaver: 01:02:54

to be successful in anything that you want to do.

Anthony Weaver: 01:02:57

And remember, throughout this whole

Anthony Weaver: 01:02:59

interview, what we talked about was pretty

Anthony Weaver: 01:03:02

much getting started and really have

Anthony Weaver: 01:03:05

a reflection in the mirror of saying, you know what?

Anthony Weaver: 01:03:08

I don't like where I'm at. I need to do

Anthony Weaver: 01:03:11

something different. And in order for you to do different,

Anthony Weaver: 01:03:14

you need to set up your boundaries. And

Anthony Weaver: 01:03:17

from the people that are in your life or even from the

Anthony Weaver: 01:03:20

things that you're purchasing, um, that

Anthony Weaver: 01:03:23

is no longer adding value or is actually taken

Anthony Weaver: 01:03:26

away from your goal

Anthony Weaver: 01:03:29

in life, you know, because Petra and you talked

Anthony Weaver: 01:03:32

about it, it was like, hey, family,

Anthony Weaver: 01:03:36

not that I don't love y' all, but y' all

Anthony Weaver: 01:03:39

need to block this. This can't happen anymore. I got. I

Anthony Weaver: 01:03:42

got things that I want to do for my. Me and my family, so.

Anthony Weaver: 01:03:46

All right. So you got what it takes. If anything else,

Anthony Weaver: 01:03:49

y' all be safe. We out. Peace.

Anthony Weaver: 01:03:53

Petra-Ann Brown: Bye. Uh.