Hi guys, and welcome to another episode of the doctor nurse
podcast this week, we're talking with Daniel Tran.
He is a graduate of the University of Texas in 2018, and
he worked in psychiatric and mental health, nursing for three
years. In November of twenty
Twenty-One, he was able to leave his bedside.
Nursing job to pursue entrepreneurship as a personal
finance coach, he specifically helps nurses, get rid of debt,
Achieve Financial Independence through investing and get on
track to fire early. He shares how he started his
business and what he thinks you need to start your business or
side hustle today. So enjoy the episode guys, I am
so excited to share this guest with you.
I think you're going to get a lot out of him.
Check him out on Tick-Tock and Instagram.
He's always stirring up really great content.
I hope you guys are having a great week.
Enjoy the journey. Daniel, welcome to the podcast.
I said a little bit about Who so again, just welcome.
Thanks for coming on to talk to my guest.
Yeah, obviously thanks for having me so happy to have you.
What I did? Prior to the park.
Again. Soup today, to talk about
everything you've been doing in your nursing career.
Yeah, thanks for having me. Seem excited to be here and I
know, let's get started. So, yeah, one of the things that
I was saying earlier was I was so glad that I finally had a
male on the podcast. It's been like a whole female
run for a while and I've been like missing some like male
energy. So I'm super glad you're here.
You're here today. Let's dive in.
Tell me a little bit about yourself as you see yourself and
kind of what you do on a day-to-day basis in these
recent, these recent times. Yeah, absolutely.
So I work online as a personal finance coach for nurses and I
know that's not very conventional job somewhere to
have explained it that so, Mainly, you know, I hope nurses,
they control your finances, they can get on track to Achieve
Financial Independence get on track to retire early.
I'm just making sure that you know, nurses if they have any
kind of debt, if you don't build her savings, they want to learn
how to invest, build credit, develop a healthy relationship
with money, just any personal finance related.
I hope coach nurses on that, so, Coach.
Does that mean you no longer working as an RN?
Yeah. So, just for some background.
You ask me this all the time, right?
Yes. So I am a nurse, I still have my
license. I'm not practicing anymore.
I actually left the bedside, November 20 21.
So it's been a bit over a year, which is a nurse for round.
Three years on a do old like a psychiatric mental health unit
and then eventually transition to full time as a muddy coach
like, oh, that's kind of me a lot.
Nurse that listen to my podcasts are looking for different things
to get involved in how to kind of Branch out from the bedside,
and so to hear you describe your a nurse and now you've moved
into this, you know, personal finance space.
That is fantastic. So what led you to kind of start
this? Because you didn't wake up one
day and just go like I've done bedside and just completely
truck it and just go into personal finance one, you had to
figure out personal finance to the other thing too is how did
Branch into personal finance and then what was kind of your
transition into stepping away from the bedside.
So, yeah, tell me a little bit about side hustle turning into
the main Hustle. Yeah, I think it around the
point. There's like two, like, two
aspects to it. There's the personal finance
aspect and there's entreprenuer aspect as far as the personal
finance. I'll hit on a little bit.
So, you know, whenever I first start as a nurse start at 2560
an hour, I mean I live in Texas will cost of living to the
cheaper here. The I knew that, you know, even
though it wasn't a ton of money that was more than I was ever
making beforehand. But first big boy job, hey,
there fellow smart with it, even though it wasn't a lot, I could
tell you're pretty far, I've seen examples in bed because my
parents grew up like, not with a lot of money and they took that
money pretty Far is being like pretty Frugal with, its, I knew
that if I did that and also invested, I wouldn't have to
work for the rest of my life. So that kind of got me
interested. I didn't expect to become like
super obsessed with it, but I think a rabbit hole anything
like, any hobby that you super into just super obsessed with it
sometimes. So then when I went pretty far
and then what really sparked entrepreneurship like, starting
my business was covid, right? So covid-19 just a pandemic in
general, whenever it emerged, I know it's a tough time.
For a lot of people, you know, but honestly, that's one of the
best times in my life, especially someone with my
personality who's very, very introverted.
There's a lot of like deep thinking and like
self-reflection just that time was was tougher, flawed wasn't
nurses, right? And really got me thinking like,
what do I want to do for us to my life, you know?
And it certainly wasn't bad side.
I always told people even when I first are sinners.
Like, if I wasn't working nursing two or three years from
now, and don't be surprised the things, like whatever I said,
that had no idea what I was going to do.
I just I just said that just - is just talking self.
Yeah. And it's not.
Yeah, you know, should I go back to school?
She had become like a health coach, personal finance code by
entertain all those ideas, you know, when personal finance
coaching is actually the third one on that list.
I tried I looks to health coaching first weeks into going
back to NP school first and not to do those because I do it in
some like operating side me as - personal finance coaching.
So I start start doing that for some, some co-workers from for
some close friends, saw some success out of it started one on
one coaching, eventually launched my coaching program.
Things took off from there and we are, oh my goodness.
So when did you officially leave?
The bedside was it at the two-year mark?
It was nice. So again, one of the things I
love to bring up is once you shoot for the stars like I'm not
going to be here long, I got them a two years and we'll be
out. Y'all gonna see me?
I'm going to be gone, you're not gonna see me.
I'm gonna be gone, like, whatever you create that
narrative and you start that. You start attracting those
things to you, right? And so the whole mentality of
like well I don't want to say anything because, you know, I
might jinx. It's like no put it out there
because the more you put it out there, the more you end up
bringing that stuff to you, you don't have to be afraid and try
to like pretend like, you know, I'm going to be doing this for
the next 50 years. Maybe if you actually say it out
loud, you'll start to believe it.
And then again these things will start to come to you.
So I think that is so cool and I think that's really neat about
your side hustle and how Again, it just started slow, that's
awesome. That I advocate for nurses.
All the time, don't quit your day job, don't put your nursing
job. Use your nursing job to set
yourself free. And I also love that you had
multiple things that you were thinking about and you through a
process of elimination. We're like that doesn't fill my
cup being a nurse practitioner. Sounds super great.
It's what the school was telling me.
I'm supposed to do is the next stop, but that really doesn't
fill me up. It doesn't bring me joy.
So why would I do that smart? And then secondly, like With you
know, Health coaching you're like, well, maybe I like you
have no personal finance and so again you just got to kind of
figure out where is an area that doesn't feel like work for you.
That just brings you a lot of joy and you get to work out of
that space and then use your Nursing degree to help bankroll
your life until you can let that take over.
It's so cool. Yeah yeah that's a great point
just because you know what do they choose nursing?
They were for couple years they really are just realized I don't
want to do it at all. And I wouldn't say that's a
mistake. I don't regret choosing nursing
at all and even though I didn't like it that much, I learned a
lot. Gave me a lot of stability.
And that's a gift, you know? Because with nursing like the
schedule is so flexible, you have four days off to work on a
side hustle. I mean, most jobs are like that,
right? And you have just two days off.
You have the weekends and the weekends, no one wants to do
anything. So, for me, it was a huge
blessing, the blessing. It gave me stability.
As I worked on a side hustle. See what works.
What didn't work for me? I don't regret choosing at all.
I think it's a beautiful thing. So huge.
Stepping stone in my career. Do a lot of character.
And for sure, I can say without any kind of doubt that working
as a psych nurse, made me a much better coach in a prepared.
Me to receive hate comments and thinking, that's nothing right.
I do with a lot more that it's like nerd, you know, of course I
can nurses work hard so I really do attribute.
A lot of my character traits, my work ethic towards being a
nurse. So definitely made me who I am
today. I understand what are some of
the aspects. Nursing that you found really
difficult. I don't really talk about this
very often, but I find it interesting that you brought
that up. And so I kind of want to dive
down deep into that. Like, what were some of the
things that make nursing difficult for those people that
are like, okay, it's hard but isn't it just always hard?
Like, what are some of the things that you struggled with
that a nurse? That's listening right now?
We'll go like, yeah, me too, like maybe it is time for me to
think about something, like something else, because again, I
think it's individualize and I think you posted something on
Instagram. I was following orders.
To G Think You're great. And so like one of the things
that you wrote was just like the abuse that you with you know,
we're under a different times. And again psych patients are not
fully there but still abuse is abuse regardless if it's coming
from somebody that's got their whole mind together or they
don't. So what are some of the aspects
of your job? That were really tough for you
as an RN? Yeah, it's a great question.
So much to choose about Things that were just like really
tough. Yeah, I got you.
Okay, you're like don't miss that at all at all.
Yeah so me Nash. I'm a very empathetic person
that's why I chose to be a psych nurse.
I mean whenever I did cite clinicals in nursing school.
I can't see myself doing anything else.
I just love sitting there talking to patients, helping
them work through their problems, you know, being like a
an outlet for their stress that the day like some of their
problems and If any has, you know, sometimes it's like
patients are always in the right mind, they're not in a great
place and sometimes you have to deal with verbal abuse, you
know, and over time if you care, 100% all the time and you take
what they say was super seriously and you know, you
can't just pick and choose when you care, you know?
So whenever you get the verbal abuse is hard to just block it
out because you can't pick and choose and when you can what you
don't. All right.
So that's one of the hardest. Things is like struggling with
that. That's why I think that's why a
lot of you know, ICU nurses. He nurses Has they kind of built
up this? Kind of like emotional armor.
It's like protect themselves when they come across as like
very hard. I don't blame at all because
they need that to keep going day to day basis.
If you take everything, you know, it's a hard, you just
won't you won't, you won't stay very long and people can only
take so much. So just find that balance
between being empathetic on a day-to-day basis and trying to
block out the verbal abuse that comes from time to time.
I found that to be a bit tile. I just as human beings.
I think as nurses we deal with a lot more trauma.
A lot more extreme circumstances that You really used to seeing
our day-to-day basis. I would say, that's probably one
of the biggest things for emotionally, and then see a
second one, you got one. If there's a way I felt, I'm
sure other nurses can hold. Yeah.
So this feeling like I was meant to do something more.
They just like working. The bedside.
I'm not saying that it's beneath me.
I just like it isn't, we've played to my strengths like
that, well and there's other skills.
I've always wanted to develop in life where I want to become a
better public speaker. I want to learn.
No sale is like marketing and stuff like that.
Building something for myself as well, right?
So working at the bedside night shift by ridding.
Me of my social life sleeve was bad.
I just knew that, you know, I could build my own thing and
just live life on my terms a bit more in like that's kind of cool
take the skills that I play. I naturally gravitate towards.
So I'm not gonna lie like the psych job that I had was so what
could she is? Especially for it's like job,
I'm not gonna say it was super hard on day-to-day basis.
I just really wasn't the case. It was more so annoying.
There's something out there better for me that I could be
building just knowing That I stay in a job, I feel stagnant.
Some may be somewhat miserable it's just knowing that, you
know, there's a better option for me.
I just couldn't stand to stay there much longer.
Wow, wow. He'll is huge.
Like what you're describing is that mindset of just this cannot
be it. Like, there's got to be more out
there that plays to my strengths, but something again
like every nurse that's you're meant for more.
You're meant for more, and I think that's the whole point of
my podcast. That's the whole thing.
I'm Trying to let nurses see and hear, is that?
Yes, nursing is great and yes, there's aspects to it that are
phenomenal. The flexibility, like you said,
the the stability the need, that's always there.
I think it's also neat that for someone who is empathetic, you
can step into those spaces with people and help them along their
Journey. That's super rewarding.
But what I also hear time and time again is just there's a
lid, there's a lid, there's only so much you can do.
There's only so much you can climb to.
So, I think it's phenomenal that you recognize that really early
in your career and that you're like, it's time to keep moving.
Like I can't just stay here because you can't that you can
and some people do. But I don't think that's you
living in to your full potential.
I think it's fabulous exactly how you've identified that you
can do more with your career fabulous.
So what is one aspect of business?
That was hard for you, coming from your nursing background.
And then again, kind of like what you said, This was easy for
me because I was a nurse. And so, building my business,
this part was easy. So hard one and an easy one.
So hard thing, you know, people always say things like starting
a business is like risky, right? I think if you have this beer
like Doctrine or roast beer, and you don't start, when I think
it's even more risky. So people feel failed to
consider the cost of inaction and as a result there's 100%
chance that they're not going to achieve what they want out of
life. I had.
So I would say for me, yeah, like the the hardest thing, but
just my personality. I'm very introverted.
Like, really don't like me on camera, super.
Camera-shy not naturally great at public speaking.
Being so just like being a content creator.
It's like it was very nerve-racking for me just like
stepping out of my comfort zone as I watch videos that I made
two years ago okay. What the heck is that?
But that was so I'm sure I'm sure year from now, I'll even
look back on the to make this past year.
And be like, what the heck was that?
He's always getting better just because I'm very self
analytical, and just growing up. I care a lot about what other
people thought about me, right? So, my biggest fear was putting
out video on Instagram like a real or take Target.
Then, you know, having one of my friends or the people That grew
up with just watching and be like, what the heck is that?
Like, so crazy, who you think he is?
You know? And in reality, I have heard
people that I know that that I've said that now behind my
back. So the thing is, you know, after
some time you see what kind of effect that you can have all
this world and positive changes that you can make over some
time, but your purpose, you should come so much bigger than
any kind of like, hey comment or like trash that sought to 100
back, doesn't really matter. It's, I just have other things
have to focus on such a busy person, nowadays, like I don't
have enough time to do the things that I want to do.
The freedom to spend time like worried about a hate comment is
just probably went white. I'm used to bother me a lot more
than it does now but they're dealing with hate comments every
now and then is the price that I have to pay to do what I do more
than happy to pay that price. Yeah, one of the things I was
thinking as you were talking about your business and how you
grown it and how you started with I'm assuming Healthcare
professionals that were just around you at work.
Do you exclusively work with Healthcare Professionals for
your business or do you work with anyone?
I would say my clients. I was probably like 95.
F % nurses. Wow, maybe like 90%.
Yeah. Yeah.
People have approached me. They're not verses that I can't
I can't just say no because they're not nurses, I choose.
Yeah but I just because like while I was we do with the same
money problems you know with nurses I chose us just because a
lot of times we don't know where to turn whatever it comes to
help with personal finances. You know, we're financially,
illiterate we don't know who to trust where to start.
There's like there's all these that's a big barrier to entry
and they people want to talk to people there like them like work
with people that are like that. having that relatability we deal
with our own problems, nursing is I don't want to say like Colt
but there's like a cult-like cult-like spirit where people we
just have that shared sense of difficulty.
So we kind of band together and that sense.
So a lot of people told me that the only works only because I'm
a nurse you know and there's at that level of trust and if you
don't trust me hundred percent when they first meet me but like
a greater level trust just yeah you know working with me as
opposed to going to the bank when working with a financial
advisor becomes a lot more like impersonal that way.
What do they think? I was nurses, trust other
nurses, because we're like, a Band of Brothers, right?
Like its true, like you get it because you've been in the
trenches taking grenades, you know, what it's like, you know,
and so were the most trusted profession in America, right?
And so, it doesn't make any, it makes a lot of sense for them to
trust you, with, in a time when to do with my money.
Like, I don't, I don't know. Like, and again, from someone
that, you know, like intrinsically, nurses, take to
heart being Honest, having lots of empathy, putting yourself in
somebody's shoes. Like you wouldn't want somebody
to like give you bad advice or like not be honest with you and
so because of that mentality that we have with dosing
medications on people, you know, again we get a very rare few
nurses that are disasters, that try to like hurt people and
whatever, but disasters. Right?
Those are very rare and of course, put them all over the
news. But most most nurses bread and
butter are just trying to look out for people.
All they really are and so I think it fits so well into your
Niche and when you're describing, you know, the hard
parts of nursing, I'm hearing a lot of what you had to endure as
a psych nurse Place. Super well and two coming
alongside other nurses that are struggling with fear anxiety.
All these different things that are mental health disorders,
right? From money problems, money
stress that you can, you know, Implement what The therapeutic
method with them on top of giving really great financial
advice, you know, and so, yeah, I just think that's so neat.
Tell me about how you've merged your nursing skills with a
client for example, they give me an example.
If you can. You can think of some.
Yeah, thanks for listening to the episode.
I hope you're enjoying the conversation.
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success and PSE shop. It's a shop that I design with
my best girlfriend. Cute nurse, practitioner gear,
hats bags, anything you could think of, as well as adorable,
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we're just excited about our shop, it's another way to
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Check it out and be sure to tell your friends about the podcast,
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And when I'm building here, any promotion, any sharing helps,
build my own It's and I greatly appreciate it.
Now, let's get back to the episode.
Absolutely, absolutely. So I think we all learned about
Maslow's hierarchy of needs in nursing school, Riley, you got
to have like, food and shelter. Usually, the basic things before
we go, it's like self-actualization, right?
And I really apply that to the way that I help my clients
because some people they don't know where to start with their
finances, you know, they don't know if they should pay off
their debt. If they start investing by
saving up for a house and things of that sort, I've cried, I've
created something called a personal financial roadmap and
it really parallels, Maslow's hierarchy of needs He's right.
So the first thing that I have everybody do like all my clients
is building up an emergency fund, you know, prior to hang
off, debt prior to the pan of credit cards.
Or like investing is because the best thing you really could buy
with money. First and foremost is peace of
mind as the most important thing.
I mean, if you jump straight to investing premature, that's very
risky because number one, I don't have the knowledge.
And number two, there's always some degree of risk with
investing. And if you don't have emergency
fund your at enough risk, right things happen.
In life is not matter. If it's I think it happens a
matter of when. So if you don't have an
emergency plan in place, an emergency pops up plugins put on
a credit card and credit card debt.
Very predatory. So building up like a
three-month emergency fund is like the first step.
Second one is like paying off high-interest debt with credit
card debt because if you don't have credit card debt then it's
probably going to compound and just be like a big rabbit hole
like trying to shovel water out of a sinking ship, just
addressing his break, big problems first.
And then we can get to the point where we're investing in
shipping for retirement. Don't make your money work for
you. As I said earlier, if you invest
prematurely you put might lose money and also what happens if
your investment to go down, but there's not always a guarantee,
your business will go up. So, if your advice was are going
down and you have a bunch of credit card debt, and you don't
have emergency fund. That's a very scary place to be
in. You probably making very like,
rash investment decisions like very emotional.
So you always want to invest from a place of strength but
it's hard to do that. If you haven't take care of the
basics, right? It's like very similar to
Maslow's, just want to build That security, make sure you
have everything in place and then we can move on to
investing. Have nothing holding you back
and that place and you get to shift from playing defense with
your money. Just going to go and all fans
and you'll have the mental capacity because you have
stress. You can focus on, you know, new
Subs Investments. Going back to school, starting
your own business, just like Stoli stair-stepping your way up
to the point where you just have more like mental Ram or like, or
mental space to just create a higher quality of life for
yourself. That is so good.
And do you walk your clients through each one of These steps
kind of holding them accountable, like how you doing?
Did you invest the money? You need to do, did you do you
have your emergency fund? This is the goal, let's get
there. You know that kind of
motivational you find that very G find that very rewarding.
Yeah, hundred percent, I mean. That's where the true meaning
comes from is seeing that progress, you know.
And I hope you will, they know, they should be spending less
saving more investing is like, there's a step-by-step, but they
get lost, right? And one big thing to allow
personal finance, like, gurus are missing on online is that
they don't focus enough on like human behavior and psychology.
As I feel is another aspect that I have an advantage in just
because I'm a psych nurse and like so much a personal finance
is psychology is not about finding the best spreadsheet
find it. Investment but it's like it's
getting them in a place where they're motivated to want to
save more to pay off their debts to stick to a sustainable
budget, right? That's a huge thing is human
behavior but they don't know how to go about that.
They just like me to do more like discipline, but I have to
help him to set up the right systems and habit so that is
easier to stick to, all right? So yeah, yeah, I love that book,
Atomic habits that, you know, it doesn't really always take these
huge changes, right? You think it's like I had to do
all of that. So I got to restructure the
budget. I need, To put all this stuff in
the spreadsheet. It's comedy to the tee.
Some people are like that, but that's overwhelming for most
people, right? You're just, like I have time
for that. Like and so again just making
those little incremental changes can bring about huge, huge
success and huge. You know you'll see the trickle
trickle down effect from just making those little changes.
And again holding somebody holding you accountable you
know, you have to get on the phone and talk to somebody
that's going to be like how you do it.
Like I mean, that's kind of what those side meetings are, right.
Remember that, from my, my clinicals you sit down and they
would talk to you and then you'd be like, you start off good.
You're like, okay, there's no not good.
It's not right, you know? Like so you just have to kind of
see how people are doing. I think it's really, really cool
and I think it's amazing that a plays right into what you
learned as a nurse, and so say for a nurse practitioner or a
nurse, assisting that's like, okay, how did you do it?
Did you just take a personal finance?
Course, I'm actually really good at money.
I really like doing this is It'd be something.
I'd be interested in. What would you say for an
inspiring entrepreneur? That's getting started with
something that you would recommend for them to do if they
were considering personal finance or just anything in
general? Okay, exactly.
Are you asking if they want to come like a personal finance
coach or just like entrepreneurship?
And in general, in general, like if you can say, like, listen, if
you're thinking about personal finance take this course, but if
you're thinking about entrepreneurship, this is really
what I would recommend before. You get started down this road
from the advice from a personal finance coach.
Does that make sense? It does, it does.
So yeah, in regardless of what kind of business you're your
style right now, I think it's good to have that financial
literacy I just because you want to be a prudent business owner.
Want to raise enough Capital. Make sure that you're not in a
lot of debt, they put me in the right places, make the right
Investments, right? Because all the money that I've
made for my business, I've attached it for personal use at
all, it'll it all goes back to the business or I should save
it. I don't really feel like I need
to touch it any time soon. I really attribute that to just
have financial literacy. I don't need that money to live,
so just having a baseline knowledge, on Personal Finance.
You know how to, how to save, how to budget, how to reinvest
back into the business. Find the right.
Mentors is super important if you find a liking to it like
naturally, then you can maybe look at the personal finance
coaching and just like, entrepreneurship in general, I
really recommend Delving into the things that you naturally,
gravitate towards, right? So, finding the things that look
like work to other people, but feel like play to.
You is what I recommend. And if you feel like you don't
have anything that you naturally gravitate towards, it's a very
common failing. That is means that you haven't
tried enough things, right? Everyone is born with gifts one
with talents, just to find out what it is, right?
We're not going to like everything.
Why are you trying to have things?
You will find certain things that you're good at, right?
So the reason why I advocate for no way into things, Naturally
gravitate towards just because you don't have to like, know,
yourself in the ground with like hard work all the time.
There's like it just feels like play to you right in.
It feels like play to you. You can work.
You can you know, work hard all day, you know, like every day of
the week there's someone tries to compete with you and they
don't naturally gravitate towards that, that that Niche
for the industry as much as you do.
It just can't out-compete you because they'll be working hard
all day, because you'll just be playing all day, right?
So they just can't, they can't. I beat you, right?
So combined that with your personality and I'll make you
stand out in any Niche, any industry and also just, you
know, taking a chance on yourself.
And just working hard for that. Combination took me to places.
I never even thought was possible.
I think that's really good again finding those strengths one of
the books that I really like this, the strength to get
strengthsfinder, that's like a Gallop book that talks about
like it has in there like the things that you're good at
things that you're drawn to and there's just certain things
little aspects of your personality that you just might
be like, I'm really kind of self, you know, motivated.
So I don't really need somebody on top of me.
Telling me I need to do this, or do that.
I can just get it done or I am, you know, talkative or I like to
do. You said you say, you say, So
often like who you are. Like I'm introverted.
I tend to like covid-19 84 me. I had to like, you know, my
favorite neighbor is the one I never talked to.
I mean, that's my favorite neighbor, you know.
So like those kinds of aspects of your personality, you just
identify and instead of like fighting it.
I mean, that's kind of how I feel.
I'm like, why not what they do? The things you're good at, like,
why go try to be something that you're not like, Kobe.
What you're good at and go be that like, like a lot.
That's what we mean. We need people more in that
strength. Zone instead of working on my
weaknesses to be stronger. Like that's hard, right?
That's work. But when you're working out of
your strengths, your like, this is easy, man.
I'm like, I don't need to have try here.
Like, I'm trying I'm playing, but it doesn't.
This is not draining me. And I think that's, I think
that's why sometimes nursing is draining, is because there are
aspects to nursing that fit. A lot of people, it's like, Oh,
I like that. Oh, I like, I like talking to
people. I like, I like being with people
there that I, like, I like to think I like psych and so, Then
you get there, you're like but I hate being verbally abused,
like, what the heck? And I hate that.
You know, I've got to come and clock in and clock at eight
different aspects of the job. You may not like, so again, like
you said, develops, your character, it develops some
areas that you might be weaker in, but then start building
something that feels like play for you.
So love that, love that. So if you could go back to
yourself younger, Daniel, everything and he's, you know,
living with his, with his Chinese Vietnamese, Vietnamese,
Vietnamese, parents, and you're like, all right, I'm about to
just break out into my life, imma get started.
What would be one thing you would tell him if you could go
back to that to that guy? So much as well but I think that
the main thing is maybe it's more practical advice as opposed
to like inspirational but I'm a very I'm a big risk taker very
like Frugal. I just way that I grew up right
as like very common in our culture because we came over
here like not with a lot of money and like it's like a horse
of a scarcity mindset. So I was always like overly
Frugal my life and whenever I made any kind of transaction
like monetarily, I'd always think about the money that I was
losing all right? And the past year, I've really
shifted that a lot the point where I really wouldn't consider
myself like that was Frugal like anymore because I think the
concept of money itself isn't really like real is more.
So a money's Just Energy, Right? Like money is just like social
credits or like iou's from the job that you get, you know?
And for me, I feel like I can always make more money if I want
to write. So any transaction that I make
nowadays, I'm more. So think of it through the lens
of, like an investment. Right?
Is what I'm buying. Give me a good return on
investment a good Roi, right? And I applied to everything.
Whenever I go to the grocery store, I spent a lot of money
and so she's like, Ormally high amounts compared to the average
person. But also like health is a big
part of my life. That's one of the most important
things to me. So I view as an investment, I'm
more than happy to go to Costco spend three or four hundred
dollar me. I just I'm very healthy, I'm not
going to spare any kind of expense when it comes to my
health. And I think that the value that
I can return is much more than three or four inches tall order
some, I'm happy to pay it that. And also investing into people
like mentors coaches investing into, you know, a nice gym just
The bike that is I wouldn't say that I'm like Frugal I'm just
more sewing. Very intentional and the things
I really care about I'm not going to spare any kind of
expect. I'm not going to be frugal like
education. Like I spent over like thirty
five thousand dollars on life coaching programs and courses
with over the past couple of years and some didn't work out,
the way that I wanted to that's perfectly fine.
And I think I put try to put myself in the best position
possible. And the more that I started
spending, the more when I get in return, you know, I just, I
didn't view money in that way, back then.
I just heard like hoard as much as possible.
Oh, I'm a lot more generous now with myself with other people
and somehow the, the mighty just manages to flow back, you know,
I think you kind of get what you put on return.
Yeah, yes. I love that.
So I talked about scarcity, abundance, mindset all the time.
This podcast, it's one of my favorite Concepts and it's one
of the things that, like, our fixate on a lot and like, people
are like your kind of crazy about it, but I'm like, no, it's
so cool. When you think about, like, when
you give stuff away, when you kind of have this, like you're
not so afraid. I mean that's like fear Right.
Just to hold onto money but whenever you have more of an
open hand and then you go, okay? Like I'm just going to live like
and then I'm going to believe that like if I need more money
or if I need to you know, manufacturer or figure it out,
like I'm going to be able to do it and one you've nursing a fall
back on. Always like you can just go be a
nurse you can pick up a shift to make a thousand dollars, you
know, like a 500 $600, like you'll be fine but at the same
time like you do, notice that there are laws that govern the
world that like you can't outgive.
If you can't, I'll give you can't out and I'm sure you could
if you were absolutely Reckless. But most of the time, most
people aren't just giving a ton. And when you do find that you
give back all sending your life. Why is this literally?
Literally, I'll give a practical example.
I went through my kids toys. Okay, motherhood, you have to
like you are the the stocking operator for the toys, right?
So I went through the toys and I threw away.
I got rid of two boxes of toys. Okay, Christmas Comes two weeks
later. Guess what?
Walks in my door, two boxes of toys.
But I just got rid of this, I just got rid of two toys, like I
need to get rid of four boxes of toys, you know?
Like, I'm so I'm sure for boxes will show up and so it's just,
it's crazy, not again. So many entrepreneurs have said
that exact thing to me, that that is the one thing that they
will never give up. Is giving because they have seen
it, always come back. It is like a, it is like a cash.
You can't bounce. And you just can't bounce it.
Like every time you think it's going out.
You're like it's gone. That's it.
David I'll wait comes right back in.
So again I think that's for someone that's listening.
That's like I don't know, I'm scared, I'm nervous.
Don't be there's laws just like when you plant a seed and
through 30 days later you have a sibling and you're like there it
is some seeds, don't Sprout, but most seeds do Sprout.
And so then you just plant it and then, you know, you there's
laws, right? You don't plan to see the next
day, wonder where the fruit is. She'd like to share in the
podcast. How people could find you reach
out to you anything. Daniel, I'll give you some space
to do that right now. Yeah, absolutely.
So main channel is definitely Instagram.
I do Post do repos a lot of my videos to real take talk.
Sometimes you can follow me there.
I tend to post my videos there before I post an Instagram so
you're going to see content. Therefore you can but just weld
care Pros on Instagram gold - eventually maybe even do a
podcast with some friends. Yeah on the line or YouTube.
So There's more like more like long form content and feel like
that, that plays to my strengths a bit more.
Yeah, you know, if if you're someone that's interested in
learning more about personal finances, whether it is, you
know, budgeting paying off, debt, saving investing about all
those things on my page and I do have a coaching program, it feel
like you need more one-on-one help but otherwise, you know,
more than free to enjoy the content of my page.
Sweet. Well, thank you for sharing all
that. And for the last part of the
podcast is the rapid fire questions.
Did you, are you ready? Let's do it, they ready?
Personal finance book, I would say the best one I've ever read
is I will teach you to be rich by ramit Sethi that's a good
one. Very good book, okay?
And are you a dessert guy? And if you are what your
favorite dessert, There is no bigger healthy.
Yeah. I'm a big fan of tiramisu.
I'll definitely I won't, I won't say no to that, okay, you would
tear up some and what are you watching on Netflix?
Because I know you're not perfect.
I know you're binging something. We all are, but you mentioned
these days, man. You know, I spent a lot of time
on YouTube, I've been on YouTube premium that tells you like, how
much? I see how much time I spend on
there, but I've been binging a lot of clips of the off.
Office. As my all-time favorite TV show.
I probably watched it like 15 times, like, all the seasons.
I'm a huge. Yeah, I'm a huge superfan of the
office. Yeah, I know it's solid.
It really is. You can't, I can't lie.
You know, it's so funny. I did watch the Harry and Megan
special. So I was just, I was like, sort
of hoping you were going to say that.
So we can touch on the road, but it's a little bit of it, okay?
On the podcast, thank you for sharing your time, with me, your
expertise, your knowledge, your experience, your journey.
I know that nurses will get something out of it, so thank
you for sharing. Hey, this is a lot of fun.
If you ever need to come back on again, you know, people have
more questions about personal finance or entrepreneurship that
can let me know. I want to be more than happy to
do it again. Thanks for having us.
Thank you so much. Alright guys, don't forget to
enjoy the Journalist and thanks for hanging out with me today by
so that's a wrap, be sure to subscribe to the show so you
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information should not be used in substitute for Professional
Care by a medical provider. The information in this podcast
does not represent medical or professional advice or services.
Jean. Mom died.