Mick Unplugged
Mick Unplugged

Uncover Money's Truths: The Unspoken Rules of Wealth from Jade Warshaw

2h ago33:086,803 words
0:000:00

Jade Warshaw is not just a financial expert; she's a force of nature revolutionizing how we understand and interact with our money. As the brilliant mind behind the game-changing book "What Nobody Tel...

Transcript

EN

- All right, everybody.

So this is a truly impactful episode with my good friend Jay Warshall. We go into credit cards, like you shouldn't have 'em, like you should have 'em.

We start off with Jay's amazing because,

if you're someone who has had debt period, if you have debt now, I'll care personal life business, whatever. - This episode, we break down the things you can control. The things you should focus on.

And strategies that really help you clearly understand that you're in charge. This episode, our promise is gonna change. How you view debt. And more importantly, what financial freedom should mean

to you, I am extremely honored to be sitting here with the dynamic, the amazing, the powerfulness Jay Warshall. - You're listening to Mick Unplug, hosted by the one and only Mick Hunt. This is where purpose meets power

and story-spark transformation. Mick takes you beyond the motivation and into meaning, helping you discover your because and becoming unstoppable. I'm Rudy Rush, and trust me, you're in the right place.

Let's get unplugged. - Ladies and gentlemen, welcome back to another exciting episode of Mick Unplug. And today, we have a brilliant mind with this here. We're talking about an individual

who was not just reshaping the conversation around finances, but empowering a revolution in personal wealth management. She's a brilliant mind behind the new game-changing book, what nobody tells you about money,

and a true visionary dedicated to demystifying the pain and the path to financial freedom. Please join me in welcoming the insightful, visionary, the unstoppable, the magnetic, Ms. Jade Warshall, Jay, how are you doing today, dear?

- Well, thanks, Mick. I think that's probably the best introduction I've ever had. That was pretty awesome. I'm honored to have you on. I mean, I think your new book is not just above everybody,

you should read, but it tells a story,

β€œand that's what I love most about the book,”

and we're gonna get into it in just one second.

But I always love asking my guest this first question,

and that is, what is your be cause? That thing that's deeper than your why, I like to call it your true purpose, your true meaning. So if I were to ask Jade Warshall, it's 2026. Today, what's your be cause?

Why do you keep doing the brilliant things that you do? Oh, man, I love that you differentiated it today, versus back when you were paying off debt, because today, my because is, I have learned that your story is never just for you.

Like what you go through is so, you think it's for you at the time, but I know more than ever, everything I've gone through, there's somebody out there that needs it,

and it's my job to get it to them. - I love it, I love it, and that truly defines who you are. I've been a huge fan of you forever. I think, since the screen videos, when you were talking to me, man, yeah.

- Yeah, flashback, right? But just what you mean to so many people, the advice, the realness that you provide, I think is on parallel.

And so I always wanted to ask you this question,

and now I kind of get to like, not only did you get to your path for financial freedom, what gave you the vision to say, all right, I'm not gonna just do it for me, and I'm gonna help others.

- You know, that started, it actually started very small as everything does, and it was so small that I didn't recognize what was happening at the time. And I think it's like that for a lot of people.

Obviously, my husband and I had come to the end of our debt free journey, we paid off the debt, but in the meantime, one of the ways that you stay motivated no matter what it is

β€œthat you're doing in life is you have to surround yourself”

by people who are trying to do the same thing. Either people who are trying to do it, people who have done it and can help guide you, but either way, you need to be submerged in that environment because that's what helps you stay motivated

and helps you stay on track. And so when my husband and I were paying off the debt, we said, okay, it makes sense that we should host classes to help other people do the same thing. And so we had a program called Financial Peace University,

and we would invite folks into our home that we could teach them the material but by way of that, we were also learning and staying motivated with that material as well. And so that's how it started, is just as a way of, hey,

this is something that can help us help them. It's a community thing, great. And we slowly started to see the more of those classes that we did, the more people asked us to do the classes. So it was like, hey, we heard that,

hey, we would go to church and people was like, hey, we heard that you helped so and so with their finances, can you help us? Or we heard that you walked along so and so with their budget, could you look at my budget?

And so it just kind of added fuel to that fire and before we knew it, we were doing this one or two times a year. And it was just a special thing to have, seven or eight folks in our house, make them some dinner and really talk about this in real life.

β€œAnd I think that's what people are craving.”

And we were able to see the fruit of that.

For somebody to walk up to you, even one person

to walk up to you and say, hey,

β€œbecause of that class you taught, I paid off my car.”

I never thought I'd be able to pay my car.

That for me was like, wait, what? I could influence somebody to do something as major as some of the things that I'm trying to do. And so that was kind of the first spark of there's more to it than just what we're facing and what we're encountering.

This has the ability to help other people around us. - And Jade, what I love about what you're saying and again, being a huge follower of yours forever, I have family members and friends that have been following you as well too.

You give, I'm gonna say practical advice, but advice that people understand, like you're not talking about mathematical formulas and if you do this and invest in this and wait 36 months and then this it's like you're like,

not just focus on this one thing, right? And let that main thing be the main thing. And you also are very clear in telling people, like, hey, I'm not here to make you wealthy or rich. I'm helping you understand debt finances

and financial freedom in that sense.

And I've always wanted to applaud you just for that.

- Practical sense. - Well, thank you, you know, the practicality of it,

β€œI just remember being that person who the truth is,”

I, you know, of all of the classes in school, I always did the poorest at math. I was an A student until we got to the numbers and then I was making C's and sometimes D's. That's the truth, so it's ironic.

But I work with numbers and math for a living today, but if you notice, I always try to go pass the math and I try to get to the heart of the person because that's really what will help us be successful and I found that when it comes to money,

a lot of times, make society, they teach it as a two, kind of a two-dimensional thing. You got the knowledge, which is the numbers and, you know, the formula isn't everything like that. And then you've got the behavior, which is now,

you take the numbers and the formulas and now you gotta go do the budget. And now you spend like this and these are the percentages, money is actually three-dimensional.

And the third-dimensional is the human component, which is our emotions and who we are and what our experience is. That is the main filter in which we filter all that information and that really is the main variable

that we're gonna decide if we actually do the knowledge and the behavior. And it's crazy to me that that's the part that gets left out. And so that's hopefully what I hope draws people in is,

yeah, we talk about the numbers and we talk about the percentages, but first let's talk about you. How did you grow up? Why did it make you mad when I said that?

β€œWhy are you so hung up on your ex and what he's making?”

Right, right, I want to get to the person before we start talking about dollars and cents. I'm gonna take you back in time, not too far. Thanksgiving 2024. Okay.

We're at the hunt family Thanksgiving. And Jay Washaw comes up in conversation. Here's what? So thanksgiving and then the next holiday is Christmas and we were having conversations about like,

what are we doing Christmas and all that? Just, you know, family, we might have been playing spades while we're having this conversation. Of course, sure, little dominos. Exactly, but the conversation around credit cards happen.

And because I own businesses, I look at credit cards differently because I look at it from a business mindset first and then the personal mindset. Okay.

And I was a person that's like, hey, I don't use credit cards in my personal life. And everybody's like, well, why not? I'm like, it just doesn't make sense to me, right? Like, I don't like giving money or interest

to anybody when I don't have to in my personal life. Now, businesses vastly different because I might need that interest of a tax perspective

like you just never know, right?

So I would love Jade Warsaw to talk to my family right now. - You're pulling me onto the, into the Thanksgiving table. - Absolutely. - And just say, you know, I'm sitting

in joke and joke and do, so if you know, you know, but I'm just saying, I'm at the space table sitting tight. - Yeah. I just love for you to just break down personal perspective, not business side and we can go to business later,

but the personal perspective that Jade has on should use credit cards? Should you not win to use credit cards and if so, why and how? - Well, I like this question.

It's pretty simple for me. And it's not really just relegated to credit cards, although since you framed it that way, we'll go that way. For me, debt in general. Really unless it's a mortgage in the personal space

is there's no good side to it. I go back to kind of biblical principles, the borrowers laid to the lender truly. And I experienced that in my life, even when it's just a little bit.

And you don't have to, oh, like, exorbitant amount of money. There's just that feeling. Even if you owe your buddy 10 bucks that you feel like, oh, every time you seem,

you're like, I forgot the 10 dollars, right? We've all experienced that. So it's not even about the amount of money. It's just, it's something that hangs over us. And it is, you feel you feel pull of that from the lender,

whoever the lender is, it could be your buddy, it could be Chase Bank, right? So for that reason, debt in general for me, is not the best practice of handling money.

That's the way I would qualify it.

If you're looking at it from a biblical perspective,

it's not a sin. It's just the best practice.

β€œHey, borrowers laid to the lender, you should know that, right?”

It's just a thing to know. So when it comes to credit card specifically, obviously some of the highest interest rates known, especially right now, I call APR, I call it added pain and regret, 'cause that's what it is.

You spend the money, then you're on for 22% added pain regret, right? So we have all felt that. Then there's the idea of just what we know psychologically. Obviously if there's any plastic associated, there's less friction when we spend, right?

You don't have to pull out paper dollars that you can sense and see the actual numerical denomination on the bill, so you know, oh, that's a 20, that's 100, right? You don't feel that it's just a piece of plastic with your name on it, less friction.

And of course, if you're using something like Apple Pay even less friction. So it causes you to spend more. And we have seen a depending on what studies you look at and depending on what you're actually purchasing,

people in many cases will spend 50% more even up to 100% more depending on what it is. Things like fast food are some of the worst offenders, concert tickets, entertainment. Those are the biggest offenders.

And those tend to be the things that we plot the credit card down on for, you know, the most often, right? And so for those reasons alone, it really is kind of a dangerous thing to get involved in, especially if you're a person who is prone to impulse spending.

So it's like, we can really just go down the line of all the different reasons. You could even go to it on a moral perspective. Personally, I'll say for me, personally, as a person who had lots of credit card debt, what I don't like about credit cards

is a vast part of their income model is based on me failing, which means, hey, I actually need you to be your worst self in order for me to make money. Meaning, I need for you to default. I need for you to be late.

I need for you to keep a revolving balance. And I just make, I'm the type of person, give me a product that is serving me. Give me something that I can be my best person. Whilst using your product, you can also make money.

I don't have to be slum in it to make you money. Do you see what I'm saying? And credit cards are the opposite. I just personally, that gives me an effect. I don't like it.

No, I love it. You know, I have, I tell people all the time, like credit cards get you with all the frills, the cash back and the earning points and all, like, well, you don't need that.

And then on the statement, it's very clear what the minimum payment you can make is because to your point, they want to keep you right there. They have no desire for you to pay $100 minimum when only $2 goes to the actual balance.

Yeah, exactly. And there's something to be said, I really feel that debt in America is a drug.

β€œAnd I think that credit cards are that gateway drug.”

It's that first thing, because we all grew up in that

environment. I mean, the first thing was like, hey, you get into the world when you're 18, you need a credit score. And so the first thing is, hey, well, let's get a credit card.

And so that's kind of our first taste into that world. And what I've really found, because you know, I'm coaching folks on a daily basis with this stuff. And when I say to somebody who's ready to get out of debt, I say, OK, let's just start by cutting up these credit cards.

Because this is a vicious cycle for you. Let's cut them up. And I mean, it strikes fear in their heart. And I'm all about the emotions. So I'm like, where's that fear coming from?

So my first thing is let me dig deeper. And what I have really pinpointed it back to is it's like a crutch. Anybody who's played sports knows you can only support a muscle for so long.

Like, if you get an injury, I remember I used to play college volleyball. And I was going up for the block for all the ligaments in my thumb. And I had to wear a guard, a brace for my thumb for a period of time.

And I remember the first time the trainer was like,

hey, it's time to take the brace off. I was terrified, because the pain that I had felt. And they were like, hey, you know, you're going to have to get used to it. You're going to have to use your fingers the way you

once did.

β€œThat's the only way you're fully going to heal.”

And credit cards are the same way. A lot of us turned to credit cards because we end up in a painful financial situation. We've lost a job, our significant other moves out. All these things were like, man, I'm really

feeling the pain and stress of money. Let me go over here to these credit cards. Credit card provides a crutch for a little while, a brace, if you will, for a little while. But then we start to see, hey, I'm not actually doing well,

managing my money the old way. I have lost confidence in my original dollars in sense that I had. And now I'm very, very dependent on this brace, this crutch of credit cards around my finances.

And so what credit cards really do is they systematically steal our confidence and our pride. And what I'm just going to call just having a sense of good feeling about the work that we do in the money that we make. There's a dignity in saying, I went to work.

I got my paycheck. And that's enough for me. And so what happens is over time is like, you're telling me,

I just have to live on my paycheck?

Yeah, what about that?

β€œBut how in city is that credit card still”

that that's enough? And that's OK. And we can actually just do that. So before we get to the book, I'm also going to hit on something you said.

You talked about it can just be borrowing money from someone else. So I'm also tell you a little bit about me, Jade. I'm the person that it's really hard to borrow money from me. But if I do, I have one rule. What is it?

You got to shut off your social media because if I see you, go buy a new pair of Jordan or go to a nice dinner. Oh, I haven't got my money back yet. I'm a fiddler, sir. I'm way so my rule, Baroo, if I give you money,

I just need your social media off because I don't need to see it. I'm probably going to be upset if I don't get paid back. Is it working? Because then it's like, well, not only can I say, I can't see you in person either,

because don't let me spot like a thing new. Right, right. I promise you, it was probably like 10 years ago. I went to one money and to your point. They came up with like what they didn't tell me.

They wanted the money for. But then they come in like new rooms on the car.

β€œI'm like really like, that's that's what we do it.”

That's what we're doing. OK, got it, got it. Yeah, we've all been there. I have been there. Yep, yep.

So, Jade, what we are really here for is this book. Wait, nobody tells you about money. So, one, your team was gracious to send me a copy. So thank you for that. And I have since purchased a few copies

for family members and friends. Because what I love doing is having us read something together at whatever pace you read. But then we talk about it. And your book for the last three, three and a half weeks

has been the most talked about conversation. And in my little family, friend, master, my group that I have. But everybody wanted to give you kudos for the title of the book. Because that instantly makes you go grab it. What nobody tells you about money is like, yeah, I want to know

what that is. I want to know what that is. So I love to hear from you the perspective of why this book and why now. This book because I am in an environment right now that I go on YouTube.

One of the largest YouTube shows, one of the second largest radio show

out there. And I'm giving people advice who are calling in in the most desperate situations. And what I find time after time is what I also found with myself when I was in the most desperate financial situation that again,

you get numbers, you get tactics, you get behaviors. And all that hits up a wall, hits up against a wall of what your experience has been, how you grew up with money, what your spouse knows about money, how you feel about money, how you feel about yourself, all of those things. And so what I ended up finding in a seven and a half year journey

with my husband paying off debt is what I ended up finding in these calls that I get day after day on the Ramsey show, which is I got to get to the bottom of the person and why, because usually what happens is they call in, they already know what I'm going to tell them. They already know it.

Logically, it makes sense, oh, yeah, okay, it would make sense. And I need to probably pay off the debt, yeah, it makes sense. I need to get some savings, yes, it makes sense. I probably need to write, but what they really want is to tell me something personal about them that's going to unlock it.

I need to go, oh, you know what, your husband probably is not on board with the plan. Tell me how he grew up again. And then we're talking about how the husband grew up.

Then the next thing we know, right, well, this is the second marriage.

So tell me about the first marriage, right? We're ending up talking about all these things, but the money. And so what I figured out really early on is that money touches every area of our life. It touches our spiritual life. It touches our career.

It touches our relationship with our kids, relationship with our spouse, relationship with our parents. It then touches all of our experiences, how we were first encounter, how we first encountered money, what we saw growing up, all of these things are encompassed and how we view money. And so if we forget about that, and we just say, oh, I'm going to find, I'm going to just

go on Instagram and find an expert to tell me how to manage my money.

β€œThey could tell you the simplest thing, you need to get on a budget, and we feel offence,”

or we feel like, what? They just told me to get on a budget, don't they understand and write? From there on, the wall goes up. We don't even know what caused the wall to go up. We just know the wall went up.

And then the next thing you know, now you're calling me saying, hey, I tried to do a budget it didn't work. Well, I didn't work, budgets are very easy. Oh, I don't know. I just didn't work for me.

Hmm. I doubt it. There's something deeper. And so that's how that's why the book, the book is there to help address that. It's what I felt.

Hey, it's not just about the $460,000 of debt we had. I feel a major insecurity around money. When I was growing up, I was the only black kid in school, and I had to dress a certain way to try to feel accepted. Right?

All these things, and I encountered that, and I just knew I wasn't the only one. And so that's why I wrote it, and just practically speaking, I wrote it now, because I had the opportunity now, and so I jumped on it.

Jade is always going to keep it real, that's why she's my favorite.

Always going to keep it real.

For those that are watching her listening, going through the book, like, what do you think is one common misunderstanding about money or finances that you want everyone to make sure they take away? Common misunderstanding? That's a very good question.

I would say the first common misunderstanding is that somebody's going to come fix this, or

it's somebody else's mess to solve, right? The way the world is right now, there's a lot of anger, and I talk about this in the book, one of the chapters is about anger in general. And right now, the thing about anger is it wants justice. That's what it wants.

When you even something as simple as you get in a small argument with your spouse about how the dishwasher was loaded, what you want is the justice of them seeing it your

β€œway, and then going back and making sure that they put the cups on the top rack, right?”

You want vindication. And so it was the same way with money, and what's going on right now in the world is obviously real estate, inflation has driven up costs so, so, so high, obviously wages and many areas have not kept up with that, and so people are feeling that strain, then you look over to the real estate market, houses are so expensive, and interest rates are higher than

they've been in quite some time, and so it feels like it's going to take forever to buy a house, then you look at the cost it is to borrow money, so credit card interest rates are higher than ever, right? All of these things that create frustration in our financial life, and so the natural instinct is, I'm angry, somebody needs to pay for this, I want justice, and so the easiest place

to point is, well, my problem is my student loans, so my parents, they must be the one, I need justice over there, or if the real estate issues are the problem, and you know, this isn't outside force in the White House, the White House is to blame, the president

is the one, I blame them, or maybe it's your second marriage, and there's some debt going

on it, it's my husband, he's the prop, right, and everything wants justice from an outside source, when at the the truth of the situation is at the end of the day, like my buddy Dr. John Deloni says, some things are not your fault, right, he would say, not buy my hand, but in my lab, meaning I didn't really cause this, I'm not the one that caused the housing market to get crazy, I'm not the one who caused COVID to start all this emotion,

I'm right, but here it is in my lab to deal with, and that sucks, so there's that type of anger, and then there's anger of, I really did do this, it really is my fault, I just don't want to admit it, and so I'm just going to, like, create all this stuff out here, it all wants the same thing, justice, and so the only person who's going to go out and get it, and the only person who cares enough to go out and get it is you, the man in

the mirror, you can sit in wait all day long, but you're likely not going to get the apology you want, you're likely not going to, like the government is not going to reach down and go, hey, you know what, Bob, we're sorry, you know, back in 12 years ago when you took, right, they're not writing you a letter saying that they're sorry, and I remember

β€œI had a pastor who said, and I'll just never forget it, he said, you can't blame your”

way to a better life, and that stuck with me, because anger wants justice, and it wants to blame other people to get it, but if you want to succeed with your money, that finger need, my mom uses to say, you point out somebody else is three more point right back at you, right? That's, these three fingers, and so you're the one that's going to go out and satisfy that justice of your anger, and that, and that, you know, Jay, there's somebody that's watching

or listening right now that's like, I'm stuck financially, and I hear all this financial freedom stuff and sounds great, but I have $5 in the bank and I have bills to pay on Friday, and I just don't know what's going to happen, and this has been the cycle of my life. One thing that I learn from Jay is this, the amount of money that you make or have is not the same thing as financial freedom. I know multi-multi almost half a billionaire people,

they don't financially free, right? I know, I know people with $100,000 in the bank that are much more financially free than billionaires are. I'd love for you to talk to that person, Jay, that is sitting there. It's like, all the sounds good, but I still got to get through the

β€œnext 30 days. Can you talk to that person and give them some inspiration or even a strategy?”

Yeah, so there's just kind of like three aspects I hear you talking about. There's the first part where the amount of money doesn't solve the problem, right? You could make, I mean, you could

make a million dollars tomorrow, but if you don't know basic financial literacy and you don't know

how to manage it, you'll lose it, right? We see it all the time, professional athletes, somebody who wins the lottery, right? So just setting the stage and saying that more money isn't necessarily the solve to the problem. It can help, but the biggest thing to remember is money is a money moral. It is it is completely neutral. However, when money enters the hands of a person, it does have a strong power. And that power that it has is to make you more of what you already are.

So if you are a person who manages money well and you're naturally generous,

It will inflate that in you and you will be more of that person.

mentality and no financial literacy, it will inflate that. If you are a person who is fearful, and care is very much about outward appearances, do you see what I'm saying? You will do that and you will overspend, right? So realizing that you are the power of the dollar. And, you know,

to your point, a salary of 30,000 a year in the right hands can go far further than a million dollar

check in the wrong hands. And that is 100% true. People will say, Jay, that's not true. Yes, it is. You see it every day. So if you're a person who's like, man, Jade, I got five bucks in the bank, rent is due. And this is it. Technically, I would tell that person, okay, first off, just remember you're in charge. Because when those situations happen, what feels feels like it's out of control. And I've been there. The light, you come home, the lights are off. And you're like, crap,

I forgot to pay the bill. And I don't have money coming in for the next few days, right?

β€œIt just feels like everything is out of control. So the first thing you have to realize is you're”

actually in control. And you're in control because you get to choose what happens next,

which is, and we teach you here all the time for walls. The most important thing that

remembers is that you have shelter first. Because we could write down a whole lot of things that we need to spend money on in a month. But if you are struggling, you can take care of four things and four things only. That is your, your shelter, your rent, right? Then the next thing is you got to make sure that you have transportation. So you can get to a job, whether that's a bus ticket, or making sure there's gas in your car. Then the next thing is, yeah, utilities if it's cold

outside, you need heat. If you live in Florida, you need AC. And then finally food, you got to have food. And so those are the four things that no matter what, no credit card company, no debt collector, no, anything is going to take that away. So that's thing one. And then nothing number two is

β€œknowing, hey, in today's world. And I know this might sound right, but it's true. There are more ways”

than ever to go out and make instant money. They're just more ways than ever. You've got the internet at your disposal. As long as there's, say this, as long as there's rich people who don't want to do anything for themselves, you have a job. Because it's as easy as saying, okay, you need a house keeper, great. You need somebody watch a kid, great. Who needs to do your yard work? Me, who needs to,

you know, so there's always these service-based businesses and side hustles that are at your

disposal that you could start today based on your talents. So just don't let the scaringness of the moment take away your resourcefulness. Don't let it take away your control to know, hey, these four things are the only things I'm dealing with. And that really helped me and helped my husband when things were really, really bleak. And just to know that the number, it doesn't, it doesn't change. There are two factors and two factors alone that will help you get ahead. And one side of it feels

like dang. I was hoping you would give me like a magic, a magic third one. There's not. There's only two. You can increase your income and you can cut your expenses. That is it. Those, that is it. There's nothing else. You can do them both at the same time or you can focus on one at a time. But that is the magic pill. And the spoiler alert is it's not magic. It's actually just a lot of work. It's just work. And there's work in the work, right? There's work in the work. Jade, I've been

honored to have you on before I get to my rapid five to close out. Like where can people find and follow Jade? And I'm just going to say Google her and you'll see everything. But where do you want people to go directly? I'm on all the socials. I'm on TikTok and I'm on Facebook. But I am me on Instagram. So if you're on Instagram, I'm actually on there. I go live. I am reading all the comments. I'm posting. I'm doing the captions. It's not my team. That's me. And I read all the, I read the comments by the

way. So if you think that it went into an abyss, it did not. I read them. There you go. And I'm going to make sure I have links to all of that. I'm going to have links to the book. Like everybody do me a favor. You owe it to yourself to go get this book and to read this book. I think Jade, I'm going to buy some copies. I've got an event coming up. I'm going to buy some copies and give those out to people that are coming to my lead out of that. So yeah, it's, it's

that important to me because this book means that to me. I know we talked a lot about it on the person level. But if you're a business owner, if you're out to premiere for your leader, me this book too, financial strategy is the same business in personal. Different numbers, right? Maybe maybe a couple of different principles. The end of the day, the foundations

β€œof foundation. And that's why I love this book in so many ways. So thank you, Jade. So much.”

Alright, rapid fire. Quick fire. Are you ready? Yes, I'm ready. All right. You talked about having people over when you first started coming to the house and cooking them dinner. What does Jade cook this amazing, but nobody else can cook like Jade? Biscuits. With gravy or just biscuits? No, I do a breakfast sandwich. It's a biscuit sausage egg. She's,

My husband once told me if he ever found himself in prison for life, this wou...

death row, this would be his last meal. So he told me, which is very extreme. So who's more competitive

β€œin the household? You are happy. Oh, we're both extremely competitive that the challenge is not”

competing against each other sometimes. Got it. We're both very driven individuals. Yep. Yep. What's one piece of financial advice that you give to others now, that you wish you would have been telling

yourself when you were younger. Gosh, I'm going to go with my gut here, which is the time is

going to pass anyway, which is this idea that go ahead and start because the time is going to pass, and the ten years is going to pass the three years is going to pass whatever it is. Whatever it is that you're waiting to start, please just start today because you are going to look up a year from now three years from now four years from now and the worst feeling in the world is to look up and you hadn't done it and you're like dang it, I wish I had went ahead and start. Somebody right

now is like thinking about starting, you know, a social media presence, but you've been thinking about it forever. Just go ahead and start today and then next year you can be like, yeah, I started my

β€œpage last year. So you had time to do the book to write the book. That's what I heard you say”

in between the lines. What's another passion project for Jade? Boy, you know, I love food and cooking and things like that. So I want to do some content around that. That's a big part of my life and in big part of my story, completely in the other side of things, but I want to do something

around there. I always make the joke that my fourth act, I've had a lot of acts in life, but my fourth

or fifth act will probably be somewhere around me opening a restaurant or something. Oh, I'm there. Yeah, as long as this gets around the menu, I might ask you for some gravy on my nose. It'll be a brunch spot. Yeah, it would be brunch. There it is. There it is. Last question, Jade, as you're writing the book about Jade and someone else is reading it, what's one word that you want to define you in that book. God, God did it. And if you don't, if you didn't pick that up from the book, I did something wrong.

God's grace. Slowly. They, I've been honored. You mean the world of me? Keep doing what you do. We're at the talk more offline because I have a thousand questions, some advice that I need, but just honored to be on this, this time with you today. Man, it was my honor. This was so much fun. Thank you for having me, Mick. It was great. You got it. To all the viewers and listeners,

β€œremember, you'll be cause. Here's your superpower. Go one, Misha.”

[BLANK_AUDIO]

Compare and Explore