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Nobody Wants To Work Tho
31 | Numbers Never Lie: Economic Empowerment Through Accounting and Youtube | Annie Margarita Yang
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31 | Numbers Never Lie: Economic Empowerment Through Accounting and Youtube | Annie Margarita Yang

From Minimum Wage to Accountant to Youtube Star

About

Meet Annie, a resilient woman who spent years toiling in low-paying jobs, struggling to make ends meet. Despite lacking formal accounting education, Sarah's determination led her to pivot her career towards accountancy. Through self-study and dedication, she mastered the intricacies of financial management, transforming her life and finances. Sarah's journey didn't stop there; she leveraged her newfound expertise to become a YouTube sensation, sharing practical tips on saving money and achieving financial independence. Her channel garnered a massive following, inspiring countless individuals to take control of their finances and pursue their dreams, proving that with grit and determination, anything is possible.

Annie Margarita Yang: https://www.annieyangfinancial.com

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Alternate Titles For The Algorithm:

From Checkout to CPA: A Journey of Career Reinvention

Dime to Dollar: The Accountant's Tale

Balancing the Books: A Woman's Leap from Low Wages to Accounting

Penny Pincher to Profit: A Story of Accounting Ambition

Breaking the Cycle: From Minimum Wage to Certified Accountant

Numbers Game: The Unlikely Path to Accounting Success

The Ledger Leap: One Woman's Rise from Service to Numbers

Turning the Tables: A Story of Economic Empowerment Through Accounting

Counting Her Blessings: A Journey from Menial Labor to Accounting Mastery

Dollars and Sense: How I Transformed from Low-Paying Jobs to Accountancy

The Audit Trail: Following the Path to Professional Accounting

Minimum Wage to Maximum Knowledge: A Tale of Accounting Transformation

Beyond the Payslip: A Woman's Voyage to Accounting Expertise

The Profit Pivot: A Journey from Service Industry to Financial Mastery

Dusting Off the Receipts: From Humble Beginnings to Accounting Brilliance

The Salary Story: How I Escaped Minimum Wage through Accounting

Numbers from the Ground Up: A Woman's Odyssey to Accounting Excellence

Balance Sheet Breakthrough: Escaping Low-Paying Jobs through Accounting

Paying Her Dues: A Woman's Climb from Low Wages to Accountancy Acumen

Show Notes

[00:00:00.720]

Hey, you all.

This is your host,

[00:00:02.270]

Elyse Robinson with the Nobody Wants

to Work, though podcast, season 2.

[00:00:06.390]

I hope the stories inspire

you to switch careers.

[00:00:09.030]

I have done all kinds of interesting

[00:00:11.070]

things in my life, and I'm a firm

believer if you only live once.

[00:00:14.430]

Sit back and enjoy.

[00:00:19.240]

We are Switch into Tech.

[00:00:22.760]

Tech resources to accelerate your

career in information technology.

[00:00:27.850]

Monthly classes on tech topics.

[00:00:29.850]

We We offer free or discounted exam

vouchers, scholarships,

[00:00:33.640]

free Udemy courses, free events,

free boot camps, and more.

[00:00:38.170]

You can find us at www.

[00:00:42.120]

Switchintotech.

Org.

[00:00:44.320]

Hey, you all.

[00:00:47.640]

My name is Elyse Robinson with the

Nobody Wants to Work, though podcast.

[00:00:51.110]

Today, I got you with

Annie Margarita Yang.

[00:00:55.320]

Let me just jump right into it.

[00:00:56.530]

Go ahead and introduce yourself, Annie.

[00:00:58.610]

Hey, Elyse.

Thanks for having me on today.

[00:01:01.210]

So a little bit about myself.

[00:01:03.080]

I didn't go straight to college,

so I went straight into the work world

[00:01:06.430]

after high school and just worked

a whole string of minimum wage jobs.

[00:01:11.080]

And then after a few years of doing that,

[00:01:15.770]

I met this self-made millionaire

who asked me, What are you doing here?

[00:01:19.720]

You're so smart, but you're

working at a minimum wage job.

[00:01:22.560]

And she told me to go

to community college.

[00:01:24.410]

So I followed her advice.

[00:01:26.320]

And then after that, I got a

[00:01:29.290]

bachelor's and an online bachelor's

degree in communications.

[00:01:32.720]

But then coming out,

I was working at Domino's Pizza.

[00:01:34.880]

So back into the old minimum wage stuff.

[00:01:38.810]

And I was just like, it's not

what people were promising me.

[00:01:42.000]

They were telling me, oh,

[00:01:43.120]

if you just get your degree, everything

will work out and you'll make more money.

[00:01:46.170]

And it wasn't the case when I lived

[00:01:48.730]

in Lubic, Texas, where there was

very few opportunities.

[00:01:51.930]

So when I moved from Lubic, Texas

to Boston, I said, I have a new life here.

[00:01:56.800]

Nobody knows who I am.

[00:01:57.550]

I'm going to make my life

what I want it to be.

[00:02:02.010]

And because I lived on minimum wage for so

long, I could really budget my money well.

[00:02:07.210]

And I saved 25 % of our household

income on minimum wage.

[00:02:10.970]

So I said, If I can do this for myself,

[00:02:14.090]

why don't I work in accounting

for a small business owner who needs help

[00:02:18.720]

with their cash flow,

who needs to make sure they're not getting

[00:02:21.760]

ripped off by their vendors

and things like that.

[00:02:24.200]

And so I managed to get

an accounting job in seven days.

[00:02:30.630]

And then two months later, it turns

out that that guy was a bit toxic.

[00:02:35.400]

So I got another accounting job

in six days in my next search.

[00:02:39.680]

And then a year after that,

I decided, you know what?

[00:02:41.750]

I want to buy a house, but we could

save for the down payment, no problem.

[00:02:46.840]

If I just follow the budget,

we can save for that.

[00:02:49.190]

But then I realized to qualify

for a mortgage, you need a certain income.

[00:02:54.200]

And I was just like, wow,

[00:02:56.490]

I need to make 70,000 to qualify

for on a mortgage on a $300,000 property.

[00:03:03.490]

So I was making $45,000 at that time,

and I needed to get a new job because how

[00:03:09.550]

can I go to my employer

to ask for $25,000 more?

[00:03:13.010]

So I got a new job, and in that process,

I got that job in only five days.

[00:03:21.010]

But in those five days as well,

I also had recruiters calling me to tell

[00:03:24.850]

me I'm totally unqualified

to work in accounting.

[00:03:28.680]

So, yeah, basically, that's my story.

[00:03:30.550]

I landed an accounting job with no

accounting degree in only five days.

[00:03:39.520]

You're muted.

Oh, no.

[00:03:41.880]

Okay.

I was trying to talk.

[00:03:43.480]

My back, I thought you

were trying to talk.

[00:03:45.310]

I'm like, I don't hear her anymore.

Yeah, no.

[00:03:48.470]

As an accountant, I don't

say you're unqualified.

[00:03:50.960]

I mean, I've seen definitely accounting

jobs out there where they only request

[00:03:54.190]

financial managerial,

but they're not pure accounting jobs.

[00:03:59.640]

There's also that.

[00:04:02.810]

But accounting is funny is that you can

[00:04:05.430]

literally have a communications degree,

and you could go be an accountant.

[00:04:11.120]

You're the first one to tell me

that because all the recruiters

[00:04:13.950]

in accounting were just like,

We need that qualification.

[00:04:17.240]

You're not going to go

work for the Big Four.

[00:04:19.100]

No.

[00:04:19.750]

For a small business or something,

they're not really going to care.

[00:04:26.760]

Sometimes government sometimes.

[00:04:31.780]

But like I said, they're

not pure accounting roles.

[00:04:36.320]

For example, there might be one in a state

[00:04:40.720]

working for the state,

and they want you to have two credits

[00:04:45.540]

in accounting, but it's like a budget

analyst or something like that.

[00:04:50.540]

That's what I mean.

[00:04:52.220]

But no, you're not going to go work

for a KPMG without an accounting degree.

[00:04:57.770]

No.

[00:05:00.250]

It's funny that you talk about Boston

because I did three years in Boston.

[00:05:05.450]

I don't know what year that was,

but when you moved there.

[00:05:10.470]

But I moved there in 2010.

[00:05:13.410]

Yeah, The economy was booming.

[00:05:15.840]

I mean, I had a job because

I worked for the government.

[00:05:18.600]

That was my first government job,

and I moved there for it.

[00:05:22.800]

Then I had a boo.

[00:05:26.210]

I had a boo, and he was looking

for a and he found one within two weeks.

[00:05:33.330]

So, yeah, I don't know if

that's still possible anymore.

[00:05:36.650]

I don't even want to know what

a house costs in Boston right now.

[00:05:46.960]

Next question is, what did you

want to be when you grew up?

[00:05:51.890]

When I wanted to grow up,

[00:05:54.330]

for several years, I wanted

to be an actress, actually.

[00:05:57.420]

There was this

very famous Chinese actress in China.

[00:06:03.730]

And I grew up watching those TV shows,

and I wanted to be just like her.

[00:06:07.420]

But then my parents really

beat that dream out of me.

[00:06:10.600]

They're just like, no,

you cannot be an actress.

[00:06:13.090]

If you want to be an actress,

[00:06:14.880]

to become successful,

you're going to have sex with everybody.

[00:06:17.090]

You have to have sex with the director,

the producer, the cast.

[00:06:21.830]

It's just like everyone's

in bed together, basically.

[00:06:25.750]

And so, yeah, all

[00:06:28.360]

the way up until 12 years old,

my mom was telling me stuff like that.

[00:06:32.120]

I was like, what is sex?

I don't even know what that is.

[00:06:35.730]

So for a very long time,

[00:06:37.830]

I didn't know what I wanted to do

because they told me not to do acting.

[00:06:41.480]

But what I do today, I mean,

I'm still in the spotlight, right?

[00:06:45.270]

Like, right now, I'm in front of you with

[00:06:47.440]

the podcasting,

and then I'm also on YouTube.

[00:06:49.530]

I have YouTube videos, so I'm still out

there, basically, in front of the camera.

[00:06:54.330]

So it's not acting, but it's

more like just being myself.

[00:06:57.850]

That is hilarious.

[00:07:00.570]

Oh, man.

[00:07:04.190]

One of my favorite

movies is Joy, Love Club.

[00:07:06.790]

And there's another movie that I

watched that was ridiculously good.

[00:07:11.680]

But yeah, I'm all into international

films and things like that.

[00:07:14.750]

I don't know what they call it in China

[00:07:16.970]

because I actually spent time

in China for a little bit, too.

[00:07:21.420]

Because I know they have Bollywood

and Nollywood and stuff like that.

[00:07:26.270]

I'm getting all into those

movies all the time.

[00:07:29.450]

But But outside of that,

I was like, My mother.

[00:07:35.290]

At a certain point,

I wanted to be a dentist.

[00:07:38.040]

And she was like, Yeah,

you're not going to be a woman dentist?

[00:07:41.030]

And I'm like, What?

What?

[00:07:42.880]

That's more prestigious than acting.

Yeah.

[00:07:45.590]

I was like, A woman dentist?

[00:07:47.350]

I mean, they have them.

[00:07:48.710]

I mean, it's probably ridiculously hard,

but that's what I wanted to do.

[00:07:52.790]

But then I realized my eye-hand

coordination is all not that great.

[00:07:58.330]

So I probably shouldn't be

playing in people's mouths.

[00:08:02.800]

But you talked about where your career

began and what your first career was.

[00:08:12.160]

You did talk about the catalyst

of what How did you change your career?

[00:08:17.450]

Why Boston?

Let me ask you that.

[00:08:19.540]

Why Boston, of all places?

[00:08:20.980]

Because, I mean, Lubic to Boston,

that's a huge change.

[00:08:24.560]

Well, I'm actually originally

from New York City.

[00:08:26.920]

I had gone from New York City to Lubic,

Texas, to Boston.

[00:08:31.360]

But even when I was in New York City,

I remember when I was a kid,

[00:08:35.670]

we went on a school trip,

a three-day school trip to Boston.

[00:08:38.930]

And every year in middle school,

we went to a different city.

[00:08:42.890]

So I remember specifically when I went

to Faneu Hall and Quincy Market and all

[00:08:47.700]

that stuff, I was like,

Wow, Boston is so cool.

[00:08:50.550]

I want to live here.

[00:08:52.530]

But I never actually knew

that would come true.

[00:08:55.130]

That was just a seventh-grade wish.

[00:08:58.080]

And then I still also visited Boston

twice after that to visit friends.

[00:09:02.800]

And I was just like, I love it so much.

[00:09:04.690]

I want to live here.

[00:09:06.130]

And then when my husband and I,

[00:09:07.990]

we moved to Texas because he

was doing his master's degree.

[00:09:11.050]

Then after the master's,

he has to do a PhD.

[00:09:13.410]

And he was like, Okay,

[00:09:15.060]

I'm going to apply to 10 different

programs or something like that.

[00:09:18.790]

And so you can imagine

application fees are 100 each, right?

[00:09:24.440]

Ten of them.

[00:09:25.200]

I'd have to save a thousand just

for him to apply to PhD programs.

[00:09:28.350]

So I was pressuring him.

[00:09:30.170]

I said, Can you not apply to 10?

[00:09:32.550]

I mean, what if you only

apply to less than 10?

[00:09:35.640]

So we save money on the application fee,

[00:09:37.310]

but really the programs

you really want to do.

[00:09:40.610]

And then he reached out to

[00:09:43.010]

a professor at BU

before he even applied and spoke

[00:09:47.350]

to a professor and the professor

is like, you're in.

[00:09:50.080]

Just apply, right?

[00:09:52.130]

And I'm going to push your application

through and make sure you get in.

[00:09:55.810]

So he just only applied

to Boston University.

[00:09:58.290]

So here I am.

I'm in Boston.

[00:10:00.240]

It

[00:10:01.160]

just will happen that the one program he

wanted to apply to was also the

[00:10:05.720]

same city I always wanted to live in,

but he didn't know that.

[00:10:08.560]

He never knew that.

[00:10:10.320]

That's hilarious because

I'm in Ohio now, and it's funny that you

[00:10:16.370]

say that because

me and my sister have been discussing

[00:10:20.320]

for maybe two or three years,

even when I was living in Mexico,

[00:10:24.050]

these little ads would pop up about

moving to Ohio and stuff like that.

[00:10:28.550]

My grandparents are from Ohio,

but I told her, I'm going to move to Ohio.

[00:10:33.240]

And she was like, You ain't

going to go in no damn Ohio.

[00:10:35.990]

What the hell is in Ohio?

[00:10:40.530]

And when I was searching for a house,

it just worked out that way because

[00:10:45.250]

Since I work remote,

I can live in multiple cities.

[00:10:47.940]

So I had a couple of cities on my list,

and Ohio just worked out that way.

[00:10:52.250]

I don't know what the hell

is in store for me in Ohio.

[00:10:56.130]

So what city in Ohio are you?

[00:10:58.010]

I am in Cleveland.

[00:10:59.410]

I'm in Cleveland.

[00:11:01.960]

So I guess I'll figure out what's here.

[00:11:03.690]

But I guess at a certain point,

[00:11:05.830]

I could probably just rent it

out and move somewhere else, too.

[00:11:10.850]

Me and my sister, she was like,

You ain't going to know damn Ohio.

[00:11:15.510]

And here I am.

[00:11:16.430]

And it, I guess, manifested

over two or three years.

[00:11:19.250]

But outside of that, Boston.

[00:11:23.250]

I got fond memories of Boston.

[00:11:25.190]

I have fun in Boston.

[00:11:27.410]

But I lived in Chelsea,

Malden, and Lowell.

[00:11:33.450]

I'm in Chelsea.

[00:11:35.880]

Yeah.

Chelsea.

[00:11:37.630]

Because I used to cross the bridge to go

to work, and it would be so beautiful.

[00:11:45.560]

Let's see.

[00:11:48.690]

All these things come at a cost.

[00:11:50.830]

I mean, you talked about moving

from Lubic to Boston and all that stuff.

[00:11:55.950]

All things come at a cost.

[00:11:57.810]

And did you have support from your family?

[00:12:00.120]

Did they think you were crazy moving

[00:12:01.390]

to Boston and trying to be an accountant

with a communications degree?

[00:12:07.490]

No, actually.

[00:12:10.760]

I think the way my parents kept responding

[00:12:14.830]

to everything I did, not just moving

and then not going straight to college.

[00:12:19.110]

They were just...

[00:12:20.570]

They had given up on me because I was

really rebellious in my teenage years.

[00:12:25.430]

In my teenage years, I dated a brown boy,

and that's a big no-no.

[00:12:31.470]

Interracial is a big

no-no in my parents' eyes.

[00:12:34.950]

So they convinced me for a whole year when

[00:12:37.550]

I was 14 to break up with this guy,

and I was just like, no, I love this guy.

[00:12:42.070]

So

it really caused a rip in our relationship

[00:12:47.410]

and the whole breakdown in

communication, basically.

[00:12:51.370]

And so their attitude

was basically all throughout my high

[00:12:54.950]

school years is, well, after she turns 18,

we're not responsible for her.

[00:12:59.450]

And whatever decision she makes after

[00:13:01.710]

she's 18, she'll have to suffer

the consequences of her own decisions.

[00:13:07.170]

And so

even when they heard from my guidance

[00:13:10.690]

counselor that I wasn't going to go

to college, they were just like, okay.

[00:13:14.930]

So the whole reaction I got

from my parents all throughout after I was

[00:13:18.580]

18 was basically

a lack of reaction, I have to say.

[00:13:23.850]

Maybe a few put-downs as well.

[00:13:25.710]

For example,

[00:13:26.850]

when I first started my YouTube channel

and my My first video that I posted when I

[00:13:32.080]

started the channel,

it actually went viral.

[00:13:35.930]

It blew up and it got a million views.

[00:13:38.560]

It's like those one-hit wonders.

[00:13:39.850]

It's not like I posted 100

and then one went viral.

[00:13:42.390]

It was like the first one just went viral.

[00:13:45.050]

And then so I immediately got

in the YouTube partner program

[00:13:49.040]

and I started getting ad revenue

from all my videos after that.

[00:13:53.010]

And I was getting about 200 a month,

which to me was nice.

[00:13:58.240]

Ad revenue, that's money that I

don't have to keep producing.

[00:14:02.800]

It just comes into my bank account.

[00:14:04.560]

It's more passive.

[00:14:06.360]

And considering that when I first started

[00:14:10.150]

doing that, I had been

working minimum wage jobs.

[00:14:12.890]

So that's maybe three whole days

[00:14:14.930]

of working minimum wage that I

didn't have to do anymore.

[00:14:19.130]

That was nice.

I liked it a lot.

[00:14:21.450]

And when my mom asked me how much I was

[00:14:23.490]

making from just the YouTube ad revenue,

I said, Oh, 200 or 250 a month.

[00:14:28.810]

She goes like, Oh, that's play money.

[00:14:30.690]

That's child's play.

[00:14:32.110]

I was like, What?

[00:14:33.630]

And I was actually very offended.

[00:14:36.080]

I'm very, very offended by what she said.

[00:14:38.110]

I was like, How dare she tell me that?

[00:14:40.650]

But now, actually, today, I make 80,000

on the side on top of my full-time job.

[00:14:46.790]

So it went from 250 to a month

to being an 80K just on the side alone.

[00:14:53.210]

So this is nice.

[00:14:56.130]

Yeah, that's a story.

[00:14:57.670]

And I could just hear my mother

[00:15:02.720]

My parents probably quit caring around

'16 because I'm smart, obviously.

[00:15:11.030]

I didn't live in other countries

and learn languages and all that stuff.

[00:15:14.870]

I'm not stupid.

[00:15:16.110]

It's just I'm lazy and

shit is boring sometimes.

[00:15:20.360]

I don't want to sit up in class with these

[00:15:21.910]

other dumb people in class

and we just going super slow.

[00:15:25.970]

So one thing I learned about myself when I

lived in Guatemala and learning learning

[00:15:30.850]

Spanish because I had a private teacher,

is that I need to go at my own pace.

[00:15:36.050]

My parents gave up on me at 16,

[00:15:39.150]

and they were like, Well,

you're getting Bs and Cs and some As here

[00:15:43.750]

and there, but Once you hit 18,

you better figure it out.

[00:15:48.670]

You're either going to be an entrepreneur,

you have to work, or you go to college.

[00:15:54.610]

I did all three while at the house.

[00:15:56.870]

I had a web development business.

[00:16:00.760]

I went to college part-time, I think.

[00:16:04.290]

Then I had a full-time job,

too, at a certain point.

[00:16:10.240]

But they were like, Yeah,

otherwise you're going to be out working

[00:16:13.270]

at McDonald's, which I mean, honestly,

ain't nothing really wrong with it at 18.

[00:16:18.530]

But yeah, I could definitely hear

[00:16:20.770]

my mother like, Yeah, I

mean, hey, you keep out here effing up.

[00:16:25.690]

That's where you're going to be at.

[00:16:29.600]

But You ended up just fine.

[00:16:33.210]

Look, I mean- How many people can say,

[00:16:36.470]

I bought a rental property,

a multifamily apartment?

[00:16:40.650]

How many people can say that?

[00:16:42.290]

Yeah, I mean, it's been a journey,

and I don't have any regrets at all.

[00:16:49.410]

A lot of twists and turns,

[00:16:51.970]

but I mean, that's what makes life

fun and interesting.

[00:16:55.710]

And I mean, hey, I could tell you some

[00:16:58.930]

stuff about life, that's for sure,

and I ain't even made it to 40 yet.

[00:17:02.410]

So, yeah, it feels really good.

[00:17:06.650]

And throwing it back at you,

how many people can say that I make 80K?

[00:17:11.800]

I mean, posting a video.

[00:17:14.360]

No, it's all my streams of income.

[00:17:16.770]

I have multiple streams.

[00:17:18.690]

It started with just that.

[00:17:20.970]

Yeah, because we need

to dive deeper into that.

[00:17:24.890]

Let me ask you this,

what was your first video about?

[00:17:29.450]

It was about how to save

money on low income.

[00:17:32.040]

So it was basically literally all those

years when I was living on minimum wage,

[00:17:36.010]

I was like, do you want to save $5,

000 while you're earning minimum wage?

[00:17:42.410]

Do you want to learn how to save $5,

[00:17:45.430]

000 while living in New York City

making only $10 an hour?

[00:17:48.390]

I'll tell you how.

[00:17:49.470]

And basically, I just went over

[00:17:51.650]

everything I did when I was living

like that back then.

[00:17:55.430]

I'm going to watch the video now,

because I might need some tips and But I

[00:18:02.600]

guess more so of delayed gratification,

because a lot of people don't have delayed

[00:18:08.600]

gratification, and that's

a huge part of the problem.

[00:18:14.480]

Yeah.

So there is that.

[00:18:16.760]

Because I get on my sister's

ass all the time.

[00:18:18.910]

I'm like, You don't need that.

[00:18:20.550]

She's like, Shut up.

[00:18:22.970]

And of course, she gets on my ass.

[00:18:26.530]

But let me see.

[00:18:29.650]

I guess what made you want

to start a YouTube channel?

[00:18:36.110]

And then what was the process in your mind

[00:18:38.710]

of, Hey, this is the first

video that I'm going to post?

[00:18:43.690]

I had actually wanted to start it for four

[00:18:46.120]

years because I had a public

speaking background.

[00:18:48.990]

I went to Toastmasters, right?

[00:18:51.040]

So I learned how to do public speaking

[00:18:52.450]

through Toastmasters,

and I knew I love to talk about money.

[00:18:55.730]

If anyone had a conversation with me,

I could talk about money all day long.

[00:19:00.280]

But I never had the courage to actually

[00:19:02.490]

start the YouTube channel because I was

telling myself, I'm not pretty enough.

[00:19:06.790]

I don't have the right equipment.

[00:19:08.560]

I don't know how to do editing.

[00:19:10.390]

I had all these different reasons

and excuses to not start for four years

[00:19:14.890]

until finally, one day, my husband

stumbled upon this hot YouTuber.

[00:19:19.770]

She was this beauty guru on YouTube.

[00:19:23.040]

And she made a video about

her student loan debt.

[00:19:25.750]

She owed $100,000 in student loan debt.

[00:19:29.240]

And she He was talking about

how she's so stupid with money.

[00:19:31.910]

She doesn't understand

her student loan debt.

[00:19:34.450]

She doesn't understand anything.

[00:19:36.360]

And how she had to go to a financial

[00:19:38.080]

advisor and he recommended that she

consolidate her student loan debt.

[00:19:41.400]

She's like, So I guess that's the way

to pay off my student loan debt.

[00:19:43.750]

And then I was like, You dumb dumb.

[00:19:46.070]

That's not how you pay off

your student loan debt.

[00:19:48.930]

It's not about consolidating

the debt that will pay off your debt.

[00:19:53.120]

It's about living below your means.

[00:19:56.410]

Whatever you make,

live on as little as possible and then

[00:19:59.790]

throw as much money as you can

at those loans to pay it off.

[00:20:03.070]

There's just no other way.

[00:20:04.410]

You consolidate, but if you don't

[00:20:06.600]

make payments after you consolidate,

it won't pay itself off, right?

[00:20:10.840]

But you read the comments and they

were just talking about how hot she is.

[00:20:17.560]

Wow, you're so hot.

[00:20:18.950]

And now you're also giving

us financial advice as well.

[00:20:22.320]

I look up to you so much.

[00:20:24.530]

You're my role model.

[00:20:25.800]

And I was pissed, right?

[00:20:28.320]

And then she kept I was making videos

[00:20:30.630]

about this because it

was gaining traction.

[00:20:33.320]

And so I watched her later videos as well.

[00:20:36.080]

And then I found out she was making

between $10,000 to $12,000 a month.

[00:20:43.840]

That was her income.

[00:20:45.320]

And I was like, Girl, she makes $10,

[00:20:48.160]

000 to $12,000 a month, and she doesn't

know how to pay off her student loan debt.

[00:20:51.790]

I can live on $1,500 a month.

[00:20:56.360]

And if I were her,

I would live on $1,500 a month.

[00:21:00.000]

And I would just throw 8,

000 a month toward those student loan

[00:21:02.990]

debt, and I would just be debt free

in maybe a year or a year and a half.

[00:21:08.350]

And so because I was so angry

[00:21:11.890]

with her content, I decided to just

put my iPhone up, sit in my bedroom,

[00:21:18.640]

and I said, Do you want to know

how to save money on low income?

[00:21:21.190]

This is how it's done.

[00:21:25.640]

Yeah.

[00:21:26.750]

I mean, like I told you before the video,

[00:21:29.770]

the catalyst for me was going through all

these crazy interviews and stuff and

[00:21:34.720]

the media gaslighting you saying,

Nobody wants to work.

[00:21:38.410]

So I'm like, I don't call it

Nobody wants to work, though.

[00:21:41.360]

And then that spiraled into the career

switching stories and stuff.

[00:21:46.560]

And I've definitely had some

interesting guests on here.

[00:21:49.800]

So I love it.

[00:21:53.000]

Let's see.

[00:21:55.520]

I guess, what are some of the causes

and negatives of your new career?

[00:22:03.200]

I think some of the positives is that

[00:22:06.320]

I get opportunity without even

proactively seeking it.

[00:22:10.970]

And then when I do want something because

[00:22:13.730]

people can look me up online

and they can see I have a following.

[00:22:17.120]

They can see, well, I had a website

until I got suspended yesterday.

[00:22:21.410]

I got suspended for suspicious activity.

[00:22:25.050]

I've been getting censored a lot.

[00:22:27.360]

This is my fourth time actually

getting censored for some reason.

[00:22:31.840]

So I get opportunity.

[00:22:34.320]

I know when everything falls apart,

when we're going to have this big economic

[00:22:38.650]

collapse and we're going to have more bank

runs, and my boss might even go bankrupt.

[00:22:43.550]

I might lose some streams of income

[00:22:46.040]

because some clients might suddenly

find themselves with no money.

[00:22:49.280]

But

[00:22:50.680]

I know I will still be fine because

my ability to look for new work and land

[00:22:56.490]

a new job or a new client,

it will be there.

[00:23:00.080]

So it's not...

[00:23:01.170]

I believe the way money is made is like,

it's not about how secure your job is.

[00:23:08.010]

It's about your ability

[00:23:10.050]

to get new forms of income quickly

when you lose your current form of income.

[00:23:14.640]

Some people can take six months.

[00:23:16.150]

I could take just a week and I'll be okay.

[00:23:18.430]

So there is that positive.

[00:23:20.390]

But the negative,

I think, is I work really hard.

[00:23:25.690]

And I wrote the book,

The Five-Day Job Search,

[00:23:29.170]

for people who who want to learn

how to also land a job very quickly.

[00:23:33.320]

And some scathing reviews came back

about how, oh,

[00:23:38.770]

the reason she has everything she wants in

her life is because she's just so lucky.

[00:23:43.440]

God has just blessed her

and given her so much opportunity.

[00:23:46.350]

She's just so lucky

and so narcissistic as well because she

[00:23:49.680]

can't stop talking about all

the great things she's done.

[00:23:52.210]

So we have some very insecure

and jealous haters in this world.

[00:23:57.750]

So I guess that's the negative.

[00:24:01.160]

Gosh, I got so much to say on that.

[00:24:06.040]

One of my friends used to tell me,

[00:24:13.650]

Don't hold back on your accomplishments.

[00:24:17.570]

Being a black woman,

[00:24:19.910]

it's like a lot of times people don't

want to hear the things that I've done.

[00:24:26.280]

The jealousy comes out.

[00:24:28.640]

I can't sit up here and tell Oh, yeah.

[00:24:30.240]

I lived in six years in Mexico,

[00:24:31.730]

and I know Spanish, and I became

a Mexican, or I like to call it a Mexican.

[00:24:36.950]

But yeah, the calls come out.

[00:24:42.210]

I want to say, though, before you got

the next question, I love what you do.

[00:24:46.930]

I think what you're doing is great because

we have so much of these

[00:24:51.630]

Black Lives Matter stuff going on and

the victimization mindset where, Oh, well,

[00:24:58.230]

my grandmother was a slave, therefore

I don't have opportunity, that thing.

[00:25:02.360]

Or like, Oh, because my grandmother

was a slave, but I have freedom.

[00:25:06.670]

But still because we haven't been able to

[00:25:08.810]

move up in terms of wealth and social and

everything, we need reparations.

[00:25:14.080]

And I'm just like, Where are the people

in the black community who are standing up

[00:25:19.410]

as role models for what

other people can be?

[00:25:22.750]

And you are it.

You're it.

[00:25:25.350]

And that's another reason

why I'm an introvert.

[00:25:28.680]

People think I'm I'm an extrovert,

[00:25:30.240]

and I'm like,

I don't like to be in a spotlight

[00:25:32.110]

sometimes, and other

times I don't really care.

[00:25:37.680]

Sometimes I don't like talking about

[00:25:39.150]

myself because I'm a whole introvert,

and it ain't none of your business.

[00:25:43.730]

There's also that.

[00:25:45.010]

But yeah, that's another reason.

[00:25:47.990]

Sometimes I don't mind hiding

because people need to know this.

[00:25:58.720]

Ain't nobody ever gave me Nothing.

[00:26:01.070]

When I decided to move to Mexico,

[00:26:03.470]

I saved my money from work

and then left and booked a ticket.

[00:26:08.210]

Nobody helped me get there.

[00:26:10.840]

When you said people handing you stuff,

ain't nobody ever handed me nothing.

[00:26:17.110]

I had to go out and get it.

[00:26:21.360]

I fully understand that all the way.

[00:26:26.840]

I'm not bragging.

[00:26:28.310]

It's just my life story,

and that's what I did.

[00:26:33.080]

I'm an open book.

[00:26:34.230]

I don't mind talking

about how I got there.

[00:26:37.040]

If anybody want to sit down with me

[00:26:38.750]

and say, Hey, how did you get

to Mexico and do all this stuff?

[00:26:43.230]

I'll sit down with you and write a plan.

[00:26:45.430]

Free, free, free all day long.

[00:26:47.400]

But you got to put in the work.

[00:26:48.600]

One thing I find is that people don't want

[00:26:50.670]

to put in the work, and that's a

huge part of the problem.

[00:26:55.000]

There is also that.

[00:26:57.840]

But yeah, The whole jealousy thing.

[00:27:02.360]

That's another reason why I don't want

to come out in the spotlight because

[00:27:06.010]

people get jealous and they'll

try to take it from me.

[00:27:10.360]

So there's that.

[00:27:13.640]

Let me see.

[00:27:15.510]

Next question.

[00:27:18.400]

What are some traits that you believe

people need in what you got going on?

[00:27:26.480]

Oh, my gosh.

I think the biggest trait is persistence.

[00:27:31.290]

That is really it.

[00:27:32.730]

I think it's the failure

of people to show up.

[00:27:35.210]

That's why this is a Nobody Wants

to Work, though podcast.

[00:27:38.840]

People, literally, they don't show up for

the things that they want in their life.

[00:27:44.570]

The only difference between me and someone

else is like, Hey, I want this.

[00:27:49.650]

I want to be on shows.

I will show up.

[00:27:52.480]

That's it.

I will show up for the interview.

[00:27:55.200]

Some people, they don't even

show up for the interview.

[00:27:57.290]

It's just crazy.

[00:27:59.440]

So So when I tell people on my YouTube

[00:28:01.520]

channel, You want to land

a job offer in five days?

[00:28:03.760]

Let me tell you how it's done.

[00:28:05.080]

You apply to 50 jobs a day,

not three jobs a day, 50 jobs a day.

[00:28:09.680]

Because if you apply to three a day,

[00:28:11.470]

then you'll have applied to maybe

300 over six months.

[00:28:14.530]

That's why it takes you

six months to get a job.

[00:28:17.170]

But if you apply to 50 a day,

you'll have applied to 300 in a week.

[00:28:22.600]

So you do the same amount of work

that someone else is going to do over six

[00:28:25.530]

months, but you're just

shortening that to a week.

[00:28:28.800]

And then you're going to get

a a job offer after just a week.

[00:28:31.450]

And some people are like, you're crazy.

[00:28:33.510]

That's too much.

[00:28:34.600]

But I had this immigrant.

[00:28:37.650]

An immigrant from El Salvador

moved here to the United States.

[00:28:42.270]

He lives in California seven years ago.

[00:28:45.410]

And apparently, he is a subscriber,

but he never left comments, right?

[00:28:51.240]

On January 12th, he left his job,

and then he started freaking out.

[00:28:55.800]

He was just like, oh, my gosh,

how am I going to pay the bills?

[00:28:58.930]

He applied to three jobs,

[00:29:00.840]

and then he said, Well, the job

posting says, For hire immediately.

[00:29:06.490]

I can work immediately.

[00:29:08.320]

Why aren't they calling me back?

[00:29:09.810]

And he got upset,

and he felt like a loser.

[00:29:13.770]

And he was just like,

why aren't they calling me back?

[00:29:16.810]

And then he goes on YouTube

[00:29:19.360]

to look for videos on job search, couldn't

find anything helpful or relevant.

[00:29:24.120]

Of course, my videos weren't showing

up because I'm getting censored.

[00:29:27.570]

And then because And because of that,

[00:29:30.630]

he goes to fast food restaurants nearby

in his desperation to try to work in fast

[00:29:35.750]

food, comes back with nothing and also

feels totally terrible and desperate.

[00:29:42.890]

And then he goes to his Subscriptions tab

[00:29:45.070]

on YouTube and he saw that I've actually

been posting, but he didn't realize.

[00:29:49.040]

And so he started watching one of those

[00:29:50.680]

videos and he realized, oh, my gosh,

she's been posting every day about jobs.

[00:29:54.490]

So he went back and watched everything.

[00:29:56.730]

And then he said, and then I saw that

video about applying to 50 jobs a day.

[00:30:00.590]

He said, I'm going to follow her advice.

[00:30:04.650]

I'm going to apply to 500 jobs.

[00:30:06.270]

He applied to 500 jobs.

[00:30:08.310]

He said to me, Anything and everything,

I hit the easy apply button.

[00:30:12.320]

I spent all day for five days applying

to jobs, and I got a job in two weeks.

[00:30:18.010]

He got a job offer in two weeks.

[00:30:19.730]

And he said, It was thanks to you.

[00:30:22.170]

So people like him.

[00:30:25.290]

It turns out also because immigrant,

spoke very poor English.

[00:30:30.480]

When he was texting me,

[00:30:31.390]

it actually was a little difficult

for me to understand his English.

[00:30:35.240]

And his highest education was a GED.

[00:30:39.040]

So that's somebody who has

not the right qualifications,

[00:30:43.800]

the right education, doesn't speak English

as a native language here in our country,

[00:30:48.490]

but because of his persistence,

he is successful in what he wants.

[00:30:53.840]

So I think that is really

what makes a difference in someone's

[00:30:59.360]

career, your persistence

and not giving up.

[00:31:02.070]

Because I remember trying to help

a mentor of mine get a bookkeeper.

[00:31:08.600]

So I can do bookkeeping,

but she didn't want me to do it.

[00:31:10.950]

She wanted someone local in Florida

to help her because she's in her late

[00:31:15.830]

'70s, so she struggles with technology,

so she needs someone in person.

[00:31:20.290]

And she asked me to find someone.

[00:31:22.690]

So I called all 50 bookkeeping

companies in Fort Lauderdale.

[00:31:27.240]

I e-mailed all of them, all 50 of them.

[00:31:29.730]

And And then

only five out of 50 emailed me back.

[00:31:34.770]

So basically, 45 didn't even have

[00:31:37.290]

the courtesy to say,

We don't want this client.

[00:31:40.570]

And then out of the five, two of them

had the courtesy to say, We're full.

[00:31:46.730]

We can't take on any more clients.

We're busy.

[00:31:49.170]

It's also tax season.

[00:31:50.760]

So only three left.

[00:31:52.450]

Only three got on a phone call with me

to talk for the consultation.

[00:31:58.240]

So that's a lack of

people's ability to show up.

[00:32:02.120]

It's not just their inability to show up

[00:32:04.950]

for construction jobs,

the jobs nobody wants.

[00:32:08.080]

This is literally accounting.

[00:32:10.120]

So it's in all fields.

[00:32:11.930]

It's not just those low level jobs,

the inability to show up.

[00:32:17.320]

I believe it.

[00:32:18.910]

I believe it because, yeah, I got stories.

[00:32:23.840]

But circling back to the immigrant stuff.

[00:32:27.730]

I'm an immigrant.

[00:32:29.390]

I'm an immigrant to Mexico.

[00:32:30.890]

But I remember days where I

did have to talk to 50 people.

[00:32:35.910]

I had to talk to 50 people to

[00:32:40.200]

connect the dots because one person would

tell me one thing,

[00:32:43.810]

another person would tell me another,

and then I would have to gather

[00:32:47.390]

the information and then put it

together and, Oh, here's the answer.

[00:32:52.050]

Then

you can say you're fluent all day long,

[00:32:57.190]

but there's just certain types of language

that you're never going to get.

[00:33:02.490]

I didn't know business

or medicine and Spanish.

[00:33:07.990]

I can have a whole conversation with you,

but when it comes to- Technical.

[00:33:13.840]

Yeah, technical Which I didn't study that.

[00:33:16.750]

I didn't practice that.

[00:33:19.840]

Where would I get the practice for that?

[00:33:25.480]

Doing lots of research and talking to 50

[00:33:27.950]

different people, that's how

I would get the information.

[00:33:31.120]

That takes time.

[00:33:33.290]

People, like you said,

don't want to take the time.

[00:33:36.710]

It's sad and it's crazy.

[00:33:40.730]

When people like me and you come about,

that's when the craziness starts.

[00:33:48.450]

They're like, Why you?

[00:33:50.690]

It's like, Because I put in the work.

[00:33:52.870]

I put in the dedication,

the perseverance, like you said.

[00:33:57.170]

One of my favorite phrases

is closed Don't get fed.

[00:34:00.950]

You got to open your damn mouth.

[00:34:04.250]

You might get a lot of nos.

[00:34:09.240]

You might get a couple of yeses,

[00:34:10.830]

but that's the process,

and you can't let it beat you down.

[00:34:14.200]

That's the other thing I find.

[00:34:17.330]

When I was on my job search

[00:34:20.280]

in tech, and I eventually gave up and went

back to the accounting,

[00:34:23.490]

one of my friends was like,

I don't know how you keep doing it.

[00:34:27.590]

They keep telling you no.

[00:34:29.790]

I'm telling her these crazy

recruiters and giving me hell.

[00:34:36.680]

She's like, I don't know how you do it.

[00:34:39.120]

I was like, I got to do it.

I got to eat.

[00:34:41.390]

I mean, what else is for her to do?

[00:34:46.720]

I don't know.

[00:34:49.510]

I think a big part of it,

too, is education.

[00:34:52.050]

People don't know what the process is.

[00:34:56.000]

But we're in the time of all this

[00:34:59.990]

information, and I get

on my nephew's ass all the time.

[00:35:05.070]

I'm like, You can come ask me,

but you got a computer right there.

[00:35:11.110]

Look it up.

[00:35:12.240]

I didn't have that when I was a kid.

[00:35:14.870]

I didn't have that.

[00:35:16.090]

I grew up with the internet,

[00:35:18.600]

but we didn't have all this

information that we have now.

[00:35:20.910]

We have YouTube and stuff like that.

[00:35:23.290]

We have instant information.

[00:35:26.130]

To me, there is no reason not to know

[00:35:30.070]

a lot of things, but they sure know

when that new Beyoncé song comes out.

[00:35:40.200]

Let's see.

[00:35:43.760]

What tips and tricks would you give

someone that wanted to be in this career?

[00:35:49.560]

I would say you have to be really

attentive to detail.

[00:35:55.450]

Like your ability to pay attention

[00:35:57.990]

to small little details

in the numbers really matters because it's

[00:36:02.710]

so easy to just put the decimal

in the wrong place and things like that.

[00:36:07.130]

But also funny things

because I don't like getting ripped off.

[00:36:12.970]

So I do this for everyone I to look for.

[00:36:16.330]

My tips are to just double check

everything, make sure bills are not paid

[00:36:20.130]

twice, especially don't

pay the same bill twice.

[00:36:23.610]

I see this happening so often.

[00:36:25.150]

I don't know how people mess this up.

[00:36:28.010]

So set up a system

[00:36:30.160]

Where you can automate everything

in the accounting department,

[00:36:33.610]

but then also set it up such that,

for example, when you pay bills,

[00:36:37.000]

it has to be based on reference numbers

instead, because I see other people when

[00:36:40.800]

they enter bills,

I've looked at other people's work.

[00:36:42.550]

I see they enter bills in the system as

instead of the reference number,

[00:36:46.720]

they'll type in first payment,

first 50 % deposit or final payment.

[00:36:52.390]

I'm just like,

this is the reason why you can pay the

[00:36:56.160]

same thing twice because you don't even

know if you're paying the same bill twice

[00:36:58.190]

or not, whether you've

already entered before.

[00:37:01.130]

So I started making everyone,

if they do my job for me,

[00:37:04.550]

they have to enter reference numbers

because there's no mistaking.

[00:37:08.850]

You typed in invoice number 1010.

[00:37:11.880]

If you've entered it in the past, well,

[00:37:13.760]

clearly you've entered it

again by accident, right?

[00:37:15.830]

So you don't pay the same one twice.

[00:37:17.680]

But I see this mistake happen so

many times over and over again.

[00:37:22.030]

For example, the HOA for the condo

[00:37:24.640]

building that I live in,

we just fired the property management

[00:37:27.720]

company, but I was auditing all of their

books to find out where they were

[00:37:32.830]

embezzling money from, where they

overpaid things and everything like that.

[00:37:37.530]

And I saw that they paid

the Intercom bill twice, $720.

[00:37:42.960]

They paid it twice.

[00:37:44.000]

They paid the snow removal bill twice.

[00:37:45.590]

So they paid an extra $1,800 there.

[00:37:49.680]

I was finding things like that, right?

[00:37:52.550]

So be careful when you're doing this job,

don't pay the same bill twice.

[00:37:57.570]

That's my advice.

[00:37:59.640]

That's crazy because I'm an accountant,

[00:38:03.830]

too, and I have to input

the transactions and things like that.

[00:38:12.120]

Sometimes it gets double booked.

[00:38:17.720]

Of course, I work for the government,

[00:38:20.030]

so the system is older than me,

so it becomes a whole mess.

[00:38:26.090]

They're trying to modernize it, but yeah.

[00:38:29.610]

There's not a lot of checks and balances

when it comes to inputting stuff,

[00:38:35.840]

which is where

I guess I come in because I have a tech

[00:38:40.150]

background, so I'm trying

to automate a lot of stuff.

[00:38:43.090]

But yeah, Yeah.

[00:38:46.600]

That's why I never wanted

to be an accountant.

[00:38:49.070]

Audit was cool.

[00:38:50.200]

Audit was fun, but accounting, I'm like...

[00:38:53.760]

Well, in audit, you just point

out where things went wrong.

[00:38:56.830]

You have a lot more

attention to I know that.

[00:39:00.810]

It's different to point out a problem than

it is to be the one to solve the problem.

[00:39:07.330]

Yeah.

[00:39:08.430]

I'm like, But it's cool.

[00:39:11.450]

I guess I gave up audit because

I didn't care to travel anymore.

[00:39:15.870]

I like sitting at the house now.

[00:39:18.600]

That's fun.

[00:39:20.520]

I suck it up and I tried

to pay a lot more attention.

[00:39:27.280]

Let's see, what do you wish you knew

about career before you got into it?

[00:39:33.840]

I wish I knew I could have done it

before I did it at the time that I did.

[00:39:38.850]

I didn't have to wait

until I was so upset that...

[00:39:44.880]

Well, what really happened was when I was

[00:39:46.810]

leaving Texas and I had to train my

replacement,

[00:39:49.610]

she lied to my ex-boss and said, Oh,

yeah, I know how to use Quickbooks.

[00:39:55.570]

And then I was making

13 an hour at that time.

[00:39:58.770]

And so my boss, because that woman was

more confident, paid her 17 an hour.

[00:40:05.090]

And I was very upset when I had

to train her and teach her things.

[00:40:09.000]

And then I realized, wait a minute,

she's never used Quickbooks at all.

[00:40:12.410]

But she's saying that she used it before,

but she I don't know how to use,

[00:40:16.200]

how to do certain things in Quickbooks

that were really, really basic.

[00:40:20.010]

So when I moved to Boston,

it's because of that woman

[00:40:24.970]

that finally triggered me to go like,

why am I not more confident?

[00:40:29.130]

She goes after the things she wants,

even though she's not competent at it.

[00:40:33.890]

But I am competent,

[00:40:36.290]

but I'm not going after

the things that I want.

[00:40:38.770]

So I just wish I knew earlier.

[00:40:41.270]

That's the only thing I would have done

different to have applied to the things I

[00:40:46.370]

wanted to do,

even when I didn't feel so confident.

[00:40:50.650]

I just wish I had done that earlier.

[00:40:52.890]

I would have saved so much heartache.

[00:40:57.480]

That's funny.

Yeah.

[00:41:00.360]

I mean, at least she could have watched

[00:41:01.870]

a little YouTube video on it

right quick or something.

[00:41:04.970]

Intuit has all types of replacements.

[00:41:07.190]

I didn't want to offend

because I'm the person...

[00:41:11.290]

Maybe I could be really direct

with people, but I also don't want...

[00:41:14.990]

I don't like offending people.

[00:41:16.720]

I like to be very kind

and polite when I can.

[00:41:20.330]

So what I did was when

[00:41:22.450]

I trained her for three days,

it was after the third day, I realized.

[00:41:26.680]

So I said, I recommend you pay $10 for

this Udemy Quickbooks online course.

[00:41:33.890]

It's only $10.

[00:41:35.850]

And then I even told her,

I learned Quickbooks by going

[00:41:39.630]

to the library to get Quickbooks

for dummies and bookkeeping for dummies.

[00:41:44.280]

So you can go I'm going to go to the same

[00:41:45.390]

library I went to and borrow those two

books, and you will learn the software.

[00:41:50.570]

And her response was, I don't need that.

[00:41:53.710]

I know what I'm doing.

[00:41:55.880]

So she wasn't open to learning.

[00:41:58.360]

She wasn't open to it.

[00:41:59.920]

She said, Oh, I know what I'm doing.

[00:42:02.090]

And then a year later, actually, she

[00:42:05.160]

messaged me on Facebook,

and she was like, I just wanted to talk

[00:42:10.110]

to you about my boss,

so my ex-boss, her boss, right?

[00:42:13.610]

And she was complaining about

her being a micromanager.

[00:42:16.830]

And did I have experience

of my ex-boss being a micromanager?

[00:42:20.110]

I was like, She never micromanaged me.

[00:42:23.070]

I was like, she was actually

my favorite boss out of all time.

[00:42:26.290]

She was so nice and everything.

[00:42:28.370]

She was very lenient with me

and It gave me a lot of autonomy.

[00:42:31.850]

And she was like, well, she micromanages

me and is so toxic, blah, blah, blah.

[00:42:35.770]

And then I'm thinking,

I think my boss finally caught

[00:42:38.480]

on to the fact that she's not competent

and didn't know how to do the job.

[00:42:41.750]

So she started feeling like she had

[00:42:43.590]

to micromanage to make sure

the work was done right.

[00:42:46.480]

I think that's what ended up happening.

[00:42:47.720]

I don't really know,

but that's my best guess.

[00:42:51.320]

Yeah, see, that's crazy.

[00:42:52.920]

That circles back around what we were

[00:42:54.470]

talking about earlier with the

perseverance and things like that.

[00:42:58.710]

It's like we She gave you the opportunity.

It's been a year.

[00:43:02.310]

You still didn't try to learn anything?

[00:43:05.350]

That's crazy to me.

[00:43:07.470]

And then she told you to F off when

[00:43:10.890]

you try to give her some help

and books and things like that.

[00:43:14.090]

That's crazy.

[00:43:15.570]

That's a perfect example right there.

[00:43:19.200]

Nobody wants to work, though, right?

[00:43:21.650]

Nobody wants to work, though.

[00:43:23.650]

Let me see.

[00:43:30.030]

And what would you tell someone

that wants to be an accountant?

[00:43:36.970]

I guess you did talk about your path.

[00:43:39.710]

Did you ever buckle down and get

[00:43:42.030]

an accounting certificate at the community

college or take the 24 credits?

[00:43:47.120]

No, you never did?

No.

[00:43:48.610]

It's just whenever I had a problem,

I just went to Google.

[00:43:52.760]

Yeah.

I just went to Google.

[00:43:54.810]

And you know what's even

better is now we have ChatGPT.

[00:43:57.920]

Wow.

[00:43:58.280]

Now you have a really

specific accounting question.

[00:44:00.550]

You can just ask ChatGPT for the answer.

[00:44:02.890]

I mean, it's just mind boggling.

[00:44:06.470]

You can literally learn

everything these days.

[00:44:09.410]

I think college had its place

maybe 20 years ago, right?

[00:44:15.030]

It had its place, I agree,

but society has changed,

[00:44:19.360]

and I just feel like the institutions

have not caught up yet.

[00:44:24.400]

I can agree with that.

[00:44:27.730]

Yeah, because one of my little side gigs

[00:44:30.030]

that I've done is curriculum development,

and it wasn't for a college.

[00:44:36.530]

It was for...

[00:44:38.080]

What's the freaking name of the company?

[00:44:40.080]

I can't think of it off

the top of my head right now.

[00:44:42.150]

But anyways, it's a large Code Academy.

That's what it was.

[00:44:46.640]

Oh, wow.

Code Academy.

[00:44:49.720]

Yeah, curriculum development for that.

[00:44:51.730]

Then I guess coming up,

I have a contract with a college,

[00:44:58.590]

and they want me to sit down and take

an exam for accounting

[00:45:02.850]

for their curriculum development

to see how that goes.

[00:45:06.930]

But yeah, the people that are

in the thick of it, they don't want.

[00:45:13.070]

It's like, you have to have a master's

degree to do all this stuff.

[00:45:17.770]

I'm like, I shouldn't have a master's

degree when I'm working as an accountant

[00:45:22.070]

or auditor and I have all

this- You're the government.

[00:45:25.120]

Yeah.

I have all this crazy experience.

[00:45:28.350]

What the hell do I need a master's degree

[00:45:30.510]

for when I can help you

with your curriculum.

[00:45:34.240]

So that's a major hindrance right there.

[00:45:39.000]

I'm actually shocked.

[00:45:40.070]

That's so funny.

[00:45:45.080]

What's so funny is if you

are applying for...

[00:45:48.680]

Let's say you're the one

who wrote the curriculum.

[00:45:50.810]

You wrote the curriculum and you're

[00:45:53.030]

the one that came up

with a whole thing, right?

[00:45:56.530]

And then you're applying for a job

and then they're asking for something

[00:46:01.840]

like, Oh, did you have

a certificate in this curriculum?

[00:46:04.350]

You're like, Girl,

I wrote that curriculum.

[00:46:08.030]

It's just so funny.

[00:46:09.590]

I saw this on Reddit where there was this

company that was hiring and the person

[00:46:13.910]

doing the interview,

asking the interview questions,

[00:46:17.290]

were asking straight from the support

documentation for a different software.

[00:46:22.640]

And it just so happened that the person

who wrote the support documentation

[00:46:26.050]

for that software

was the one being interviewed.

[00:46:30.010]

So when they asked the questions,

[00:46:33.030]

the person gave the answers word for word,

and they were just like,

[00:46:38.840]

you're not qualified because you

clearly cheated.

[00:46:43.370]

There's no way you know

the answers word for word.

[00:46:46.290]

And that guy goes, I literally am

the one who wrote the documentation.

[00:46:51.570]

And they were telling them

that he's not qualified for the job.

[00:46:56.120]

Yeah.

[00:46:57.160]

And I get that at a certain point,

[00:46:58.510]

there should be barriers

to You know what I'm saying?

[00:47:01.790]

Okay, well, this is what

the qualifications are.

[00:47:04.670]

But like I said,

if I'm working in it and I've been doing

[00:47:07.990]

it for a number of years,

there's no reason why I need a...

[00:47:11.610]

Because I don't have my CPA.

[00:47:13.120]

I don't know if I ever get it because

I don't need it for my career.

[00:47:16.390]

I can literally retire

without ever having my CPA.

[00:47:21.720]

I should need a master's and all the other

stuff in order to do it if I've been doing

[00:47:27.390]

it for, I'll just say five years or

something like that,

[00:47:30.910]

because at that point,

you should be journeyman level, right?

[00:47:34.690]

So I don't know.

[00:47:36.670]

They're missing out on so much with these

barriers to entry, and it's crazy.

[00:47:43.570]

So, yeah, I'll have to agree.

[00:47:45.160]

Well, they're missing out.

[00:47:46.410]

Yeah.

[00:47:47.490]

It's time for you to start your own

education company.

[00:47:50.970]

Look, I definitely thought about it.

[00:47:53.390]

And call out the Elyse Robinson

certification.

[00:47:57.910]

I definitely thought about it, especially

Last year, when I was in the thick of it.

[00:48:02.510]

Because one thing that I do

is I do a monthly seminar.

[00:48:06.770]

Right now, I do live resume

reviews and live LinkedIn reviews.

[00:48:10.730]

I said those will always be free

[00:48:13.090]

because my resume and my LinkedIn

gets a lot of hits, or it did before.

[00:48:16.830]

I guess I did before

I deleted my LinkedIn.

[00:48:21.170]

I had to start all over because I

had to clean off all the tech stuff.

[00:48:27.290]

I didn't even want it on there anymore.

[00:48:29.610]

But But yeah, no, I do do teaching, and I

thought about starting a whole school.

[00:48:37.000]

And I mean, there's a hell

of barriers, entries of that.

[00:48:39.510]

I learned, technically,

you're not even supposed to be doing like,

[00:48:43.410]

seminars and stuff without

a freaking school license.

[00:48:47.030]

It's really crazy out here.

[00:48:48.750]

You're not getting paid money

[00:48:50.430]

for that stuff without, without,

you know, registering with the state.

[00:48:54.950]

Like, it's crazy.

[00:48:56.850]

But really?

Yes.

[00:48:59.970]

Yes.

[00:49:01.440]

Okay.

[00:49:02.800]

There was this person that got in trouble

because they started a boot camp, right?

[00:49:08.770]

And they were getting

money for the boot camp.

[00:49:11.330]

And this circles back around to showing up

[00:49:14.150]

and actually handling your business

because they didn't do that, right?

[00:49:18.930]

And they got in trouble with the state

for starting an unlicensed boot camp.

[00:49:27.080]

And yeah, it was a whole A mess.

[00:49:30.810]

I think that was in 2020.

[00:49:32.470]

You need to license your boot camp?

[00:49:34.320]

Yes.

[00:49:37.400]

It's supposed to be licensed with whatever

state that you're working out of.

[00:49:42.440]

Technically, if you're getting, let's say,

[00:49:44.470]

for example, your boot

camp is in Texas, right?

[00:49:48.960]

A coding boot camp.

Yeah.

[00:49:50.950]

And you have students

that come from California.

[00:49:55.130]

You have to be licensed

in Texas and California.

[00:49:59.240]

So It runs a lot deep.

[00:50:01.910]

I read about that.

This doesn't sound right.

[00:50:04.470]

This sounds like a conspiracy

to make sure people stay poor.

[00:50:08.810]

Look.

I'm sorry.

[00:50:10.410]

This sounds like a state-run mafia

to make sure you can't just earn money

[00:50:17.410]

doing the things you want

to do and provide value.

[00:50:19.910]

It sounds like highly regulated and

[00:50:22.360]

to make sure to keep certain

people out and certain people in.

[00:50:25.290]

Wow.

That's exactly what it is.

[00:50:27.590]

The last person I had on on the podcast

[00:50:30.750]

that's coming out this coming week,

I mentioned that, too, because it's like,

[00:50:34.810]

not to say there's regulations in these

other countries, but nobody really cares.

[00:50:44.150]

They have the little food carts and people

[00:50:46.590]

hustling on the streets and stuff, and you

can't necessarily do that in the States.

[00:50:51.790]

You would get fined.

[00:50:55.170]

So, yeah, it was a big

mess all over Twitter.

[00:50:59.720]

I I don't know if it was last year

or the year before last, so 2022.

[00:51:02.670]

But yeah, they got her for having

[00:51:05.950]

an unlicensed boot camp because you're

supposed to register with their state.

[00:51:10.840]

And if you have students that are not

[00:51:12.430]

in that state, you have

to register with each state.

[00:51:15.050]

It's a whole mess.

[00:51:16.490]

And the fee ain't cheap.

[00:51:18.120]

The fee is not cheap.

[00:51:19.150]

Well, this makes it such that only a big,

large company with lots of investment

[00:51:23.810]

capital behind their hands is the only

one to succeed in that market.

[00:51:31.240]

Because I believe for Texas,

the licensing fee, when I looked at it,

[00:51:36.830]

was $1,000,

which is cheap enough, but you know.

[00:51:43.600]

But you can't grow quickly Exactly.

[00:51:45.110]

Unless you have investors

throwing 50,000 at you.

[00:51:49.170]

I mean, you're just someone who's like,

I want to make some money.

[00:51:54.120]

I don't want to do it

with investment capital.

[00:51:56.350]

I just want to start with my own money,

right?

[00:51:59.330]

And grow it so that I have full control

[00:52:02.110]

over my business,

not the bank and not some investor.

[00:52:05.240]

You start with only a thousand and you

[00:52:07.370]

grow it, but then

you have to grow it so slow because then,

[00:52:11.440]

okay, now I can open up to the next day,

pay a thousand.

[00:52:13.880]

Okay, now then I can open up

to the next day.

[00:52:15.950]

It's so slow, really slow growth.

[00:52:18.490]

And tech is such a fast-paced industry.

Yeah.

[00:52:22.810]

I guess it comes down to all

these YouTube videos and stuff.

[00:52:28.840]

If you're teaching something Well,

[00:52:30.030]

then I mean, can you potentially

get in trouble for it?

[00:52:33.890]

Because they get ad revenue,

they can get affiliate revenue as well.

[00:52:37.870]

Just not direct revenue.

[00:52:41.610]

It's really crazy out here.

[00:52:43.910]

But yes, it was a whole

mess with this woman.

[00:52:48.090]

They were like, Yeah,

she's operating an unlicensed school.

[00:52:52.310]

I believe somebody had turned her

in because like I said, she

[00:52:55.770]

wasn't doing what she was supposed to do

with following up and things like that,

[00:53:00.150]

going back to the accounting

firms and things like that.

[00:53:03.490]

But yeah, I got deep into it because I was

[00:53:06.160]

like, So what are the rules

and regulations on it?

[00:53:08.350]

And it sounded like to an extent,

[00:53:10.120]

you're not even supposed to be

having seminars for money.

[00:53:12.830]

You need a license to do it.

[00:53:16.530]

But yeah, anything else

you want to say and give?

[00:53:24.570]

No, I think that was it.

[00:53:26.240]

That was already a lot.

It was.

[00:53:29.030]

It really was.

I enjoyed the conversation.

[00:53:31.690]

Let people know where we can find you.

[00:53:34.930]

The best way to find me

is annayangfinancial.

[00:53:38.520]

Com.

That's A-N-N-I-E-Y-A-N-G-FINANcial.

[00:53:43.440]

Com.

My site got suspended yesterday

[00:53:46.170]

for suspicious activity, but

I hope to get something figured out

[00:53:50.770]

by tomorrow so that the site is up by the

time this podcast recording is released.

[00:53:57.440]

Okay.

Okay.

[00:53:59.200]

Thank you again, Annie,

for coming on the show.

[00:54:02.290]

You all, my name is Elyse Robinson with

the Nobody Wants to Work, though podcast.

[00:54:06.490]

And until next time.