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.
