Grammy-Nominated Artist Saweetie Reveals How She Went From Broke to Millionaire | Networth & Chill
الملخص
TLDRIn this episode of 'Net Worth and Chill', host Vivian and guest Sidi, a Grammy-nominated artist, discuss their experiences with money, ambition, and personal growth. Sidi shares her childhood memories of money, influenced by her hardworking young parents, and how it shaped her hustle and ambition. They explore the challenges of managing finances as creatives, the importance of having a support system, and the lessons learned from past financial mistakes. Sidi emphasizes the need for boundaries with friends regarding money and her desire to create luxury affordable homes for college students. The conversation highlights the difference in mindset between those with and without money, and Sidi's ultimate goal of creating art that she loves while building her own brand and investing in real estate.
الوجبات الجاهزة
- 💪 Sidi's ambition stems from her hardworking parents.
- 💰 Overspending was a major financial mistake for Sidi.
- 🏡 Sidi aims to create luxury affordable homes for students.
- 🤝 A strong support system is crucial for success.
- 📈 Investing in oneself is the best investment.
- 🛑 Setting boundaries with friends regarding money is important.
- 🎨 Sidi wants to create art that she loves.
- 💡 The mindset of those with money is about investment and creativity.
- 📊 Sidi is focused on building her own brand.
- 🌟 Sidi's ultimate goal is happiness in her art.
الجدول الزمني
- 00:00:00 - 00:05:00
The speaker reflects on their upbringing with young parents who worked hard, instilling ambition and hustle in them. They discuss their various income streams beyond music, including starting their own brand and interest in real estate, specifically creating affordable luxury homes for college students.
- 00:05:00 - 00:10:00
The host introduces the episode's theme of managing money as a creative or freelancer, highlighting the challenges of irregular income. They welcome a guest, a Grammy-nominated artist and entrepreneur, who shares her journey of turning creative talents into a successful career.
- 00:10:00 - 00:15:00
The guest shares a humorous story about being broke in college, where she would dispute charges for meals she didn't like. They bond over their experiences of financial struggles during their early years and how they learned to navigate money management.
- 00:15:00 - 00:20:00
The conversation shifts to childhood experiences with money, where the guest recalls selling candy at school and the hustle that began early on. They discuss the influence of their cultural background on their family's work ethic and views on money.
- 00:20:00 - 00:25:00
The guest talks about their academic journey, including attending San Diego State and transferring to USC, where they received financial aid but still had to take out loans due to rising tuition costs. They share their determination to pursue music despite job offers that could provide financial security.
- 00:25:00 - 00:30:00
The guest reflects on their confidence in becoming a musician, stemming from a prophetic moment in church. They discuss the challenges of being a struggling artist in LA and the importance of setting deadlines for themselves to stay motivated.
- 00:30:00 - 00:35:00
As the guest's career takes off, they share their experiences with money management, including the mistakes of overspending and the importance of having a good business team to help manage finances. They emphasize the need for boundaries when it comes to giving money to friends and family.
- 00:35:00 - 00:40:00
The guest expresses their desire to invest in real estate, particularly in creating comfortable living spaces for college students. They discuss the importance of having a supportive community and the impact of their upbringing on their current financial mindset.
- 00:40:00 - 00:47:47
The episode concludes with the guest sharing their future goals, including a focus on personal happiness in their art and the importance of maintaining a healthy relationship with money. They reflect on the lessons learned from their financial journey and the significance of having a strong support system.
الخريطة الذهنية
فيديو أسئلة وأجوبة
What was Sidi's biggest money mistake?
Shopping too much, which she viewed as a form of therapy.
How does Sidi manage her money now?
She relies on a good business team to help manage her finances.
What kind of homes does Sidi want to create in real estate?
Luxury affordable homes for college students.
What advice does Sidi give to aspiring artists?
Having a strong support system is crucial.
What is Sidi's ultimate goal with her music?
To create art that she loves and is happy with.
What does Sidi think about the difference in mindset between people with money and those without?
People with money think about how to invest and use it creatively, while those without often focus on scarcity.
What does Sidi want to do in the future?
She aims to build her own brand and invest in real estate.
What is Sidi's 'F*** you' number?
She hasn't calculated it yet but acknowledges it would be a big number.
What does Sidi prioritize in her spending now?
She focuses on investments and being frugal.
What does Sidi want to achieve with her media team?
She wants to reestablish her media presence and create her own media company.
عرض المزيد من ملخصات الفيديو
- 00:00:00What was money like in your family? I
- 00:00:01grew up with really young parents. I saw
- 00:00:04two people who I looked up to working
- 00:00:06their ass off. So I think that's where I
- 00:00:08get a lot of like my ambition, my
- 00:00:10hustle. What are all of the different
- 00:00:12ways that you are making money? Going
- 00:00:14outside of music. So like starting
- 00:00:16businesses I would have got a brand deal
- 00:00:18for, but now I'm trying to create like
- 00:00:20my own brand. Other investments in your
- 00:00:22life. Talk to me. I'm interested in real
- 00:00:23estate. You are. I'd like to create
- 00:00:26luxury affordable homes for college
- 00:00:28students. Over the course of your
- 00:00:29lifetime, what do you think is like the
- 00:00:32biggest money mistake you made? Shopping
- 00:00:34too much. Really, it's just the
- 00:00:35shopping. It was like therapy for me. It
- 00:00:37was a toxic way of of me nurturing my
- 00:00:40unhealed feelings about something. I
- 00:00:42think this has been one of the most
- 00:00:45difficult conversations for me. Really,
- 00:00:47I really enjoyed it. But when you've
- 00:00:48made so much money and you haven't had
- 00:00:51money before, sometimes you're just so
- 00:00:54happy that you made money, so you don't
- 00:00:55really plan your money. Now I'm thinking
- 00:00:57different. So when you were asking me
- 00:01:00some of these questions, in the back of
- 00:01:02my mind, I'm thinking, you know, I
- 00:01:03should be thinking about that.
- 00:01:06[Music]
- 00:01:12What's up, rich friends? Welcome back to
- 00:01:14another episode of Net Worth and Chill
- 00:01:16with me, your host, Vivian 2, aka your
- 00:01:18rich BFF. So, today we're going to talk
- 00:01:20about a topic that has been hotly
- 00:01:22requested. How do you manage your money
- 00:01:25when your career doesn't necessarily fit
- 00:01:28into this clean, neat little box of, oh,
- 00:01:31I get a 401k and I have health benefits?
- 00:01:33What if you are a creative, a
- 00:01:35freelancer? You're trying to build
- 00:01:37something new, something that none of
- 00:01:39your friends are doing, but you don't
- 00:01:41necessarily know when that next paycheck
- 00:01:43is coming in. How do you manage your
- 00:01:46money in a smart way? How do you use it
- 00:01:48to build your business? How do you use
- 00:01:49it to grow and get bigger and bigger and
- 00:01:52better and better? So, I have someone
- 00:01:55very, very exciting to join me today.
- 00:01:58She is a Grammy nominated recording
- 00:02:01artist and entrepreneur who's mastered
- 00:02:03the art of managing wealth in the
- 00:02:05entertainment industry, turning her
- 00:02:07creative talents into a thriving empire.
- 00:02:10She's been on shows like SNL, Bair, and
- 00:02:12BMF. She's a fellow Forbes 30 under 30
- 00:02:15girly. Everyone, please welcome Sidi.
- 00:02:18Hey guys. And I'm a college girly like
- 00:02:20you. That's right. Mhm. College
- 00:02:23educated, smart, sexy, and talented. Oh,
- 00:02:26you think I'm sexy? You know I do.
- 00:02:29I told you that when you walked in.
- 00:02:31Yeah, he looks good, too. Thank you.
- 00:02:32Thank you. Okay, so before we actually
- 00:02:35get into our conversation, I have a fun
- 00:02:37little icebreaker
- 00:02:40after I tell after you share yours.
- 00:02:41Okay. What is the brokeest you've ever
- 00:02:43been?
- 00:02:46The brokeest. I Oh my gosh, this story
- 00:02:49makes me like laugh every time. So when
- 00:02:52I was in college, if I didn't like like
- 00:02:55the food that I was that I like got at a
- 00:02:58restaurant, I would file a claim. No,
- 00:03:02no, no, no, no, no.
- 00:03:05I was listen. So imagine somebody
- 00:03:09calling to go file a claim and then
- 00:03:11they're asking me how much was this
- 00:03:13meal? When I'm saying like $16 and $20,
- 00:03:16they're like, "Oh, like $200 or like
- 00:03:1916?" I'm like, "No, it's $16."
- 00:03:22They literally I could hear them holding
- 00:03:24in their lap. And it's just like, "Girl,
- 00:03:26you got it. It's only like $16." But
- 00:03:29that's how like like you would dispute
- 00:03:32the charge if the food was bad. You
- 00:03:33would dispute the charge if the food was
- 00:03:35bad. Okay. But like what was like an
- 00:03:37example of like a bad dish you got? Um
- 00:03:39if I didn't like how it taste,
- 00:03:41you literally just you didn't like it.
- 00:03:43If I didn't like it. But I'm a foodie,
- 00:03:45so if I don't like it, like and I like a
- 00:03:46lot of things, you know? Yeah. Um, so
- 00:03:49yeah, but you could literally hear them
- 00:03:51holding in their laugh like I can't
- 00:03:53believe this woman is calling me over
- 00:03:5616, 17, $18, $20. You know what though?
- 00:03:59Like I feel like it was money well
- 00:04:02spent. Yeah. So running my money back.
- 00:04:04You might even be able to get that money
- 00:04:05back. But you know what? You can't get
- 00:04:06the stomach space back. And that makes
- 00:04:08me so angry when I eat something and I
- 00:04:10don't like it. You're a real foodie. You
- 00:04:11can't get that stomach space. You can't
- 00:04:12get that stomach space back. Yeah. But
- 00:04:14I'll tell you, the brokeest I've been, I
- 00:04:17was an intern um over the summer and I
- 00:04:20was going for a full-time job. And I was
- 00:04:22like, you know what? I'm going to save
- 00:04:23all of this money and that way when I
- 00:04:25get back to senior year of college, I'm
- 00:04:27going to be a baller. I'm going to be
- 00:04:28going out. We're going to be at the
- 00:04:29club. I'm going to get drinks at the
- 00:04:31bar. So every night I would have a
- 00:04:35handful of pistachios for dinner and
- 00:04:38then just go to sleep because when I
- 00:04:40would get back to the office I knew that
- 00:04:41there was food there that I could eat
- 00:04:43for free. A smart woman smart and
- 00:04:46healthy. I ate a lot of pistachios that
- 00:04:47summer. Pistachios and uh you know what
- 00:04:50worked out okay. I got that full-time
- 00:04:52job and then I went back senior year and
- 00:04:54you better believe I was at the club
- 00:04:55every weekend. Really? Yeah. You know,
- 00:04:57but also I was not spending my own money
- 00:04:59at the club cuz I was like let me sit at
- 00:05:01your table.
- 00:05:03I shouldn't have to spend on this. I'm a
- 00:05:05cute girl. Um, okay. But let's talk a
- 00:05:08little bit about your childhood. Let's
- 00:05:10roll the tape back. Tell me about what
- 00:05:12it was like growing up. Um, what was
- 00:05:14money like in your family? Um, I feel
- 00:05:17like money was a month-to-month thing.
- 00:05:20Um, I grew up with really young parents.
- 00:05:23My mom and my dad had me at a really
- 00:05:25young age. So, I experienced them
- 00:05:28working like 9 to5 or like graveyard
- 00:05:30shifts. Yeah. So, for me, money was
- 00:05:32something that they worked really hard
- 00:05:35for. And um in hindsight, I didn't like
- 00:05:38it because I wasn't able to spend a lot
- 00:05:40of time with my parents. But I think the
- 00:05:41positive from that was I saw two people
- 00:05:45who I looked up to working their ass off
- 00:05:47to, you know, make a living. So, I think
- 00:05:49that's where I get a lot of like my
- 00:05:51ambition, my hustle, and like um how I
- 00:05:54work. So, I mean, there was there's some
- 00:05:56pros and cons to that, but it was
- 00:05:58definitely a month-to-month thing of of
- 00:05:59them trying to figure it out. What was
- 00:06:01your earliest money memory? Like, did
- 00:06:03you get an allowance or like what
- 00:06:05happened when you started to realize you
- 00:06:07needed money to buy stuff you wanted?
- 00:06:09Um, my earliest memory was doing bake
- 00:06:11sales after church. Oh, okay. At first
- 00:06:13it was bake sales. That didn't really
- 00:06:15work though. So, then I started selling
- 00:06:17candy at school. I was like the candy
- 00:06:19girl and that's when like AIM was
- 00:06:21popping. Did you have a aim? Yeah. And I
- 00:06:23had that really really embarrassing away
- 00:06:25message and I was hoping that one boy
- 00:06:26that I had a crush on would message me.
- 00:06:28Right. So on my on my like away message
- 00:06:30I'd be like hit me if you need some
- 00:06:31candy and like I'll leave like the class
- 00:06:33we can go to the bathroom and do a
- 00:06:34little exchange.
- 00:06:37But yeah I was like the I was the girl
- 00:06:38who like sold candy at school. Yeah.
- 00:06:41Uhhuh. I can relate to that. I was
- 00:06:43selling uh chapsticks. Chapsticks. Yeah.
- 00:06:47How did that sell? So, basically, it was
- 00:06:49a situation where I I was like a really
- 00:06:53big nerd. Like, I loved, you know,
- 00:06:55beginning of the year, you would get
- 00:06:56school supplies. I would have like the
- 00:06:57smelly highlighters that like smelled
- 00:06:59like fruits and stuff. And you would
- 00:07:01have a desk buddy. And I remember my
- 00:07:03teacher being like, "You have to share
- 00:07:05with your buddy if they don't have a
- 00:07:06highlighter." And I sat next to this
- 00:07:08girl who she would have lost her head if
- 00:07:09it wasn't screwed on. Like, she just by
- 00:07:11the third week of school, she had no
- 00:07:12supplies. And so, I'd always lend her.
- 00:07:14What grade were you in? It's like third
- 00:07:15grade. I always like, sorry to cut you
- 00:07:17off, but I always wonder what happened
- 00:07:19to those kind of kids. I don't know, you
- 00:07:21know? Yeah. Like how like how were they
- 00:07:23able to figure it out? How did you
- 00:07:24figure it out? Yeah.
- 00:07:27Sorry. My my mind just went there.
- 00:07:29That's real. That's real. Um and I lent
- 00:07:32her my highlighter all the time, but one
- 00:07:34day I got sick of doing it. And so I was
- 00:07:36like, "Listen, I was like, listen, like,
- 00:07:39show me your school box. What's in your
- 00:07:40school box? Let's trade. I'll give you a
- 00:07:41highlighter and that way you don't have
- 00:07:42to keep asking me to borrow mine." Mhm.
- 00:07:44And she had like half of a chewed up
- 00:07:47eraser, like a pencil that was really
- 00:07:50small, like and it was it was like a
- 00:07:52miscellaneous box, huh? Yeah. Just like
- 00:07:53a miscellaneous dirty box. And then she
- 00:07:55had a used chapstick. And I was like, I
- 00:07:58am a genius. So I said, I will trade you
- 00:08:02my fancy highlighter for a used
- 00:08:04chapstick. And she was, you know, full
- 00:08:05disclosure, she was like, listen, I've
- 00:08:06used this chapstick. I was like, no
- 00:08:07problem. Lend me that paper clip in
- 00:08:10there. Oh.
- 00:08:12I went and chopped off the top of this
- 00:08:14chapstick and I went it down. I turned
- 00:08:16it down a little bit and then I sold it
- 00:08:18to another kid in the class for a dollar
- 00:08:21and that got me a cinnamon stick churo
- 00:08:23at snack time. I love that for you. Come
- 00:08:25on, hustlewoman. But then I kept doing
- 00:08:27it and like I kept like I would get like
- 00:08:29a bunch of chapstick and I started
- 00:08:30selling it and then they called my
- 00:08:31parents. Wait, why did you get in
- 00:08:32trouble for that? Cuz I was like running
- 00:08:34an underground chapstick ring during
- 00:08:36school hours and they were like this
- 00:08:37girl can't keep selling chapstick. And
- 00:08:39girl, they was acting like it was drugs
- 00:08:40or something, right? I was like, "This
- 00:08:41is chapstick. Everybody needs to be
- 00:08:43moisturized." If anything, they should
- 00:08:44have been inspired.
- 00:08:46Look at me now. Entrepreneur.
- 00:08:48Entrepreneur. Um, so speaking of your
- 00:08:51parents, ethnically, you are
- 00:08:52African-American and Filipino Chinese.
- 00:08:55Um, do you feel like any of those
- 00:08:57cultural backgrounds played into how
- 00:09:00your parents viewed money? And I asked
- 00:09:02that because my parents are Chinese and
- 00:09:04they're very frugal. Mhm. Well, both of
- 00:09:07my families are a part of the working
- 00:09:08class. So, I've saw like my
- 00:09:10grandparents, my my aunties, my uncles,
- 00:09:13my older cousins, my mom and my dad.
- 00:09:15Everyone had that odd job or that 9
- 00:09:18toive job or that graveyard shift that
- 00:09:20they did to make ends meet. Um, so I
- 00:09:23just saw my family working a lot. That's
- 00:09:25that's how I remember my childhood. Like
- 00:09:27for me, that was like normal. Like there
- 00:09:29was no like stay-at-home moms, dads, or
- 00:09:31or or anything in that matter. So for
- 00:09:33me, I thought the whole world was just
- 00:09:35out there working every day. Yeah. How
- 00:09:37did that hustle encourage you? Were
- 00:09:38they, you know, were they like, "You
- 00:09:40have to be XYZ, you have to do XYZ, or
- 00:09:43did they just want you to be happy?" Um,
- 00:09:45I think the main thing my mom wanted me
- 00:09:47to do was just get good grades. So, I
- 00:09:50was always avid with like um getting my
- 00:09:53A's, very proactive like my homework. If
- 00:09:56I didn't get um a good grade on my test,
- 00:09:59I'd go back correct my answers to bump
- 00:10:01my grade up. Yeah, I was very um Yeah, I
- 00:10:05was very serious with my grades. I mean,
- 00:10:07you know, I mean, I don't know if you
- 00:10:08had a tiger mom, but it's just like the
- 00:10:09B's and the C's is is not cutting it.
- 00:10:11They want straight A's. Yeah. Yeah.
- 00:10:13Yeah. Bees were like, "Don't even show
- 00:10:15this to me." Yeah. Like, it was bad.
- 00:10:18Exactly. Um that's so funny. What was
- 00:10:20your favorite subject? Math. Math. I
- 00:10:23love math. Yes. Why? I don't know. I
- 00:10:26just love numbers and I love like
- 00:10:28writing numbers with my pencil. I know
- 00:10:30that sounds really weird, but I really
- 00:10:32enjoyed like the lead pencil clicking
- 00:10:34and then me writing out the numbers. It
- 00:10:36was something that just was very
- 00:10:37therapeutic to me. So, fast forward, you
- 00:10:40get these good grades. You are this, you
- 00:10:43know, little dork in school. You end up
- 00:10:45getting into USC. Talk to me a little
- 00:10:47bit about that experience like you know,
- 00:10:49were you thinking about how am I going
- 00:10:51to pay for school? Like, how did that
- 00:10:53go? Um, well, I went to San Diego State
- 00:10:55first. Oh, San Diego State first. I went
- 00:10:57to San Diego State and then I
- 00:10:58transferred to USC. Um and because of my
- 00:11:02grades, I had got my um tuition covered.
- 00:11:06Oh. But in but unfortunately um every
- 00:11:09year at USC, the tuition would go up. So
- 00:11:11my like my how everything was covered
- 00:11:14capped at a certain amount. Yeah. So
- 00:11:16every day when tuition would go up, I'd
- 00:11:18have to like make the difference up. So
- 00:11:20I ended up having to to pull out loans.
- 00:11:22So when I got when I had gotten my
- 00:11:24record deal, the f one of the first
- 00:11:25things that I did was pay off my
- 00:11:26tuition.
- 00:11:28Did you ever think that you were going
- 00:11:30to be a musician? Yes. I just knew it. I
- 00:11:34just knew it from like the bottom of my
- 00:11:36heart. I was like, I can't. Talk to me
- 00:11:37about that confidence because you
- 00:11:38answered that so fast. Uhhuh. I mean, I
- 00:11:40think there was just an undeniable
- 00:11:44connection to my passion and my dream.
- 00:11:47Yeah. And don't get get me wrong, like
- 00:11:49after college, I did apply to get um you
- 00:11:52know, one of those well- paid
- 00:11:54nine-to-five jobs. Yeah. But every time
- 00:11:56like I go through the whole interview
- 00:11:58process, go through the motions, and
- 00:11:59then every time I would get the job, I
- 00:12:01would decline it because I'm like, if I
- 00:12:02put myself back into the cycle, I'm
- 00:12:04never going to be able to really pursue
- 00:12:06my dreams. So, that's when I would do
- 00:12:08like a whole bunch of like odd jobs so
- 00:12:09that I could like pursue my passion in,
- 00:12:11you know, music. What was the hardest
- 00:12:14job to turn down and how much did it
- 00:12:16pay? I had applied to be a medical
- 00:12:17assistant. Don't ask me what I put on my
- 00:12:19resume,
- 00:12:22but I believe it was like 50k a year.
- 00:12:25Okay. And as like a a graduate with no
- 00:12:28income, like that was a lot to me.
- 00:12:30That's a lot of money. Yeah. So, it was
- 00:12:32around like 50 55k to be like a medical
- 00:12:35assistant. Yeah. Okay. But talk to me.
- 00:12:38You want to be a musician so bad, but
- 00:12:39there's a lot of people out there that
- 00:12:41want to be rappers. They want to be
- 00:12:42singers. like what was this undying
- 00:12:44belief that you would be able to do it
- 00:12:46because you know so many people try and
- 00:12:49they don't make it to superstardom.
- 00:12:52Honestly, the first the first encounter
- 00:12:56that I had um is was at church. So my
- 00:13:01grandparents are pastors and every every
- 00:13:04summer they'd have like a prophet come
- 00:13:06and prophesize. So, when I was around
- 00:13:09like 12 or 13, someone had came to the
- 00:13:11church and they had prophesied to me
- 00:13:12that I'd be a musician one day. And they
- 00:13:15said a lot of great other things, but
- 00:13:16I'll just keep those to myself. But, um,
- 00:13:20yeah, in that moment, I was like, what
- 00:13:21is she talking about? Like, I want to do
- 00:13:22hair. Like, I wanted to do hair. Yeah.
- 00:13:25At first, I wanted to be a hair stylist.
- 00:13:27But when like my passion for like poetry
- 00:13:30and writing my feelings came about, my
- 00:13:33mind went back to like that moment in
- 00:13:34church. And I'm like, you know what?
- 00:13:36Maybe like music is is where I'm
- 00:13:37supposed to be and like I just feel like
- 00:13:39my soul is committed to this, you know?
- 00:13:41I couldn't picture myself doing anything
- 00:13:43else. Yeah. Mhm. So, you decide you want
- 00:13:46to be a m musician. You're turning down
- 00:13:48these great job offers. Mhm. I'm lying
- 00:13:52on my resume. You're lying on your
- 00:13:54resume. You know what? Listen. Listen.
- 00:13:55All of us embellish a little. Just a a
- 00:13:58little fib. Just a little. Just a
- 00:14:00little. Um, but you know, you start out,
- 00:14:04obviously things don't happen
- 00:14:06immediately. What were those early years
- 00:14:08like? Um, how was it with money, like
- 00:14:10you know, being a struggling artist? So,
- 00:14:13when you're in a city that you're not
- 00:14:16from and you don't really have like the
- 00:14:18support of like your family or just
- 00:14:20people who you can rely on financially,
- 00:14:22um, it is uncomfortable. So, what I did
- 00:14:25is I gave myself a year. I'm like,
- 00:14:27you're already a year out of school.
- 00:14:29Struggling in LA is not fun. So, I'm
- 00:14:31gonna give myself another year and if I
- 00:14:32don't get discovered, I'm gonna go back
- 00:14:34home. So, on the ninth month from that
- 00:14:37plan that I had set out for myself, I
- 00:14:39had got discovered. But because I have g
- 00:14:41I had gave myself a deadline, I was
- 00:14:43actually working towards something
- 00:14:45instead of just aimlessly trying to like
- 00:14:47figure it out. So, I really encourage
- 00:14:49people to have like deadlines for
- 00:14:51themselves so that they're able to see
- 00:14:52what they've accomplished and what they
- 00:14:53haven't accomplished. That's so smart.
- 00:14:57Like were there any moments during that
- 00:15:00like ninemonth period after that first
- 00:15:02year where you're like I don't know if
- 00:15:04this is happening. Um yeah. Well, when
- 00:15:06you're paying for like rent Yeah. and
- 00:15:10gas and at the end of the month your
- 00:15:12checkings goes down to like damn near
- 00:15:14zero and you're trying to figure out
- 00:15:16monthto month like that's really
- 00:15:17stressful. So I was tired of that
- 00:15:19lifestyle and that's when I had given
- 00:15:21myself a deadline. That's really really
- 00:15:23smart. Um what during that time was the
- 00:15:27driving force behind your creativity?
- 00:15:30Like was it like personal like breakups
- 00:15:32or um you know friends? What was it? It
- 00:15:34was breakups, it was friends, it was it
- 00:15:38was a lot of aspirational writing um
- 00:15:40because of what I was aspiring to be.
- 00:15:42Yeah. Um but interestingly a lot of like
- 00:15:46those raps that I have that I wrote back
- 00:15:48then was written during like me driving
- 00:15:51driving. Yeah. I don't know what it is
- 00:15:52when I'm driving or when I'm working
- 00:15:53out. That's when like I I write the
- 00:15:55best. Like I have to be like
- 00:15:57multitasking sometimes when I'm
- 00:15:59listening to a beat. And I feel like
- 00:16:01that's where my best inspiration comes
- 00:16:02from. It just like pulls something else
- 00:16:05out of me. What kind of car were you
- 00:16:07driving at the time? I was driving a
- 00:16:08Toyota Corolla Sport. Yes. What color?
- 00:16:12It was dark gray. Like a shark gray.
- 00:16:14Okay. Yeah. Nice. That little thing used
- 00:16:16to get me everywhere. Yeah.
- 00:16:20Um, did you feel like during that time
- 00:16:22there was anything that you did that
- 00:16:24you're like, man, I wish I had managed
- 00:16:26my money differently? I mean, there was
- 00:16:29no money to manage.
- 00:16:32U, honestly, like it gets to the point
- 00:16:35where I knew that I had to be really
- 00:16:37intentional with my driving cuz, you
- 00:16:40know, gas is really expensive,
- 00:16:41especially during the summertime in LA.
- 00:16:43So, it's like sometimes I get invite
- 00:16:45invited out and if I didn't have a ride,
- 00:16:46I wouldn't go even though I had a car
- 00:16:48because it's just like I have to be very
- 00:16:50intentional with where like I'm spending
- 00:16:53like, you know, my gas money. So,
- 00:16:55moments like that make me really
- 00:16:57appreciative to to where I'm at today
- 00:16:59cuz now I don't worry about, you know,
- 00:17:00that gas money and and where I'm going.
- 00:17:02I can just go. Yeah. When you were
- 00:17:04budgeting back then, was there anything
- 00:17:06that you wish you could have afforded?
- 00:17:08Um, probably better meals. You really
- 00:17:11are a foodie. Yeah. Is that what you
- 00:17:13think you spend the most of your money
- 00:17:14on now? Yeah. Yeah. But so you know how
- 00:17:17you had um pistachios? Yeah. My go-to
- 00:17:20was peanut butter and jelly sandwiches.
- 00:17:22Okay. With milk and ice in it. Milk?
- 00:17:25Wait. Ice in the milk? Yeah. Ice in the
- 00:17:27milk. It's such a delicacy.
- 00:17:31But it was either that or it was ground
- 00:17:33turkey and rice. Okay. Yeah, ground
- 00:17:35turkey and rice actually sounds
- 00:17:36delicious. With some with some ketchup.
- 00:17:38Yeah. Okay. Wait. No, you just lost me.
- 00:17:40What? with ketchup. Yeah, with ketchup
- 00:17:42on the side. Ground turkey rice. Put
- 00:17:45some ketchup. Girl, aren't you Filipino?
- 00:17:48Couldn't we have at least made that into
- 00:17:50like some sort of ground turkey adobo?
- 00:17:52We had to put ketchup in it. And adobo
- 00:17:54got too many ingredients. I'm trying to
- 00:17:56get home from trying to get home. Put
- 00:17:58some ground turkey. Put a little salt,
- 00:17:59pepper. I'm hungry. Okay. Okay. Okay. We
- 00:18:02have the ketchup turkey and rice. And
- 00:18:04then the PB&J. PB&J. Okay. Yeah. Um,
- 00:18:07easy enough, I guess.
- 00:18:10Um, so talk to me about the kind of like
- 00:18:12that come up period. Nine months in,
- 00:18:14you're discovered. Mhm. What happens?
- 00:18:18Um, well, I'm finally able to get an
- 00:18:20apartment. Um, because I was renting
- 00:18:22rooms off of Craigslist. Yeah. And for
- 00:18:24anybody who's familiar with that, the
- 00:18:26reason why a lot of people do that is
- 00:18:28because you don't have to, you know, pay
- 00:18:30first and last month's rent and a
- 00:18:32security deposit. And a security
- 00:18:33deposit. It's just like too much going
- 00:18:35on when you get an apartment on your
- 00:18:37own. So, I was running rooms off in
- 00:18:38Craig Craigslist cuz I couldn't afford
- 00:18:40to do that. So, after I got like my big
- 00:18:43lumpsum, I finally got my own apartment
- 00:18:46um with a roommate. She was great. And I
- 00:18:49got a car. I got a new car. What kind?
- 00:18:52Um I got a G Wagon. Oh, okay. I love
- 00:18:55cars and I love food. Like those are
- 00:18:56like my two things. Um but yeah that's
- 00:19:00that's what I did when that you know
- 00:19:02first big lump sum came in and obviously
- 00:19:04before that when you were negotiating
- 00:19:06that contract was there anyone that you
- 00:19:08were going to for money advice of like
- 00:19:10hey is this a good contract or my
- 00:19:12contract was horrible.
- 00:19:14It was I mean talk to me about that. You
- 00:19:17know, I feel like one thing that artists
- 00:19:19have to be careful of, especially, you
- 00:19:21know, starving and broke artists, it's
- 00:19:23like sometimes negotiating for a longer
- 00:19:26amount of period and really
- 00:19:27understanding what you're getting
- 00:19:28yourself into um pays off in the long
- 00:19:31run. But honestly, I was just so happy
- 00:19:33to have all that money in my face. I'm
- 00:19:34like, "Okay, I need this. Let's go."
- 00:19:36When it came to future negotiations, did
- 00:19:39you have a money mentor that you were
- 00:19:41speaking with maybe other artists, maybe
- 00:19:43management agents, whatever to help you?
- 00:19:45Well, right now I have a really great
- 00:19:46business team and I have really good
- 00:19:48lawyers. They kind of like walked me
- 00:19:50through the process. Once you got that
- 00:19:52lump sum, did you immediately want to
- 00:19:54spend all that money or were you
- 00:19:56thinking about the future for
- 00:19:57retirement? How are you setting that
- 00:19:59aside? You know what's really funny
- 00:20:00about that? So, I was really frugal with
- 00:20:02my money in the beginning. Yeah. And um
- 00:20:05there was like a really long period of
- 00:20:07time where I was just like working my
- 00:20:08ass off. Yeah. And for some reason, I
- 00:20:11had called to ask like my accountant how
- 00:20:14much money I had made. I had so much
- 00:20:16money and I was like where the hell I
- 00:20:17get all this money from. Yeah. Um but
- 00:20:20it's because like I wasn't like
- 00:20:21splurging. Yeah. Um on everything, but
- 00:20:24unfortunately after that I started
- 00:20:25splurging. No, you should have never
- 00:20:28made that call. I should have never made
- 00:20:29that call. But because I was like living
- 00:20:31below my means and I wasn't really like
- 00:20:34paying attention with how much money I
- 00:20:36was making. Yeah. I was just grinding
- 00:20:39and then after that it was like a shark
- 00:20:41that smells some blood. I was like,
- 00:20:43"Damn, I got this much money. We fa to
- 00:20:45go crazy." And it was probably one of
- 00:20:48like the worst mistakes I made. Wait,
- 00:20:50talk to me. So, like, what were some of
- 00:20:52the things that you were buying? Um,
- 00:20:54clothes. I was paying I was paying for,
- 00:20:57you know, if someone like close to me
- 00:20:59needed some money, I'd give them a lump
- 00:21:00sum. Like, I was very generous with my
- 00:21:02money. Yeah. And I I don't recommend
- 00:21:05that because when you give a large lump
- 00:21:08sum to people, they expect it to be that
- 00:21:11easy every time. Yeah. So, I mean, I had
- 00:21:13to start creating boundaries because um
- 00:21:16some people thought that like money was
- 00:21:18just growing off of trees and it's just
- 00:21:19like, no, I'm working my ass off of
- 00:21:20this. What do you mind me asking? Was it
- 00:21:23family or friends? Um primar, you know,
- 00:21:26people that's close to me. Yeah. Um how
- 00:21:29did you set those boundaries? Was it
- 00:21:30just like, hey, I'm not doing this
- 00:21:32anymore or? Um, it's it's a it's a
- 00:21:35delicate conversation, but it's just
- 00:21:36kind of like, hey, I did this. Um, and
- 00:21:40unfortunately going forward, you know,
- 00:21:42we have to figure out a a a better or
- 00:21:45more healthy system because if I'm g
- 00:21:46because it's not like I'm giving them a
- 00:21:48couple hundred, I'm giving like a lump
- 00:21:49sum, you know, like I'm thinking that
- 00:21:51this going to last you for a minute and
- 00:21:52sometimes it's not lasting them for a
- 00:21:54minute and they're coming back like
- 00:21:55quicker. So, I think it's just about
- 00:21:57like creating healthy boundaries. Um,
- 00:21:59but that was my fault. You know, I was
- 00:22:01excited and when I get excited, I I like
- 00:22:03to be generous. So, um, I had to check
- 00:22:07myself. Yeah. I also get the vibe that
- 00:22:09you're very much like a loyal person. I
- 00:22:12got the same five friends with me. Um,
- 00:22:15did it ever get weird? Because all of a
- 00:22:17sudden you started to make a lot more
- 00:22:19money. Like, you know, you told me, we
- 00:22:21talked about this when you walked in,
- 00:22:22you watched my video about how I had a
- 00:22:25really annoying friend who would order
- 00:22:27crab legs at dinner when the rest of us
- 00:22:28got a salad in college and we couldn't
- 00:22:30afford it. But like, was there ever a
- 00:22:33weird moment with you and your older
- 00:22:35friends like when you guys wanted to go
- 00:22:37out together or do stuff together? Um,
- 00:22:40honestly, no.
- 00:22:42Because I don't like, and this is where
- 00:22:45I had to like even check myself. It's
- 00:22:46just like because I felt like I had made
- 00:22:49so much money, like I'm I wouldn't mind
- 00:22:51taking care of the bill. It wasn't weird
- 00:22:53for me. But I did have to like pull back
- 00:22:55from going out because I noticed that
- 00:22:57sometimes I'm the only one paying for
- 00:22:59things. Yeah. Um so it wasn't a matter
- 00:23:01of things getting weird. I think I had
- 00:23:03to just open that door too quickly, you
- 00:23:05know? Um but like I said, like I've when
- 00:23:09you never have money and when you
- 00:23:10finally get money and you're around
- 00:23:12people that you love, you just want to
- 00:23:13start taking care of people. Yeah. I
- 00:23:15think that's completely normal.
- 00:23:17Completely normal. I know so many people
- 00:23:19who are in that exact same position. And
- 00:23:21I mean, when I first started making
- 00:23:23money, the first people I wanted to
- 00:23:24treat were my parents. Yeah. Me. Now,
- 00:23:26when I take my girlfriends out, I pay
- 00:23:28for dinner. Yeah. Um but only the good
- 00:23:30ones. Not Not the girls who I know. I'm
- 00:23:33like, "Oh." So, so I'm paying You're
- 00:23:34getting the tomahawk steak and the crab
- 00:23:36legs. That's crazy to me. Fortunately,
- 00:23:38my friends are very mindful. Yeah. Like
- 00:23:41respectful. Yeah. So, when we are going
- 00:23:42out, they're very mindful of what they
- 00:23:44get. Um, nobody over nobody overd does
- 00:23:47it. I've been blessed to have like a
- 00:23:48really good, you know, circle when we
- 00:23:50when we step out. Like no one has no one
- 00:23:52has ever went crazy. But you know what?
- 00:23:55There hasn't hold on hold on hold on
- 00:23:57hold on hold on. But there have been
- 00:23:59instances where I've been around a group
- 00:24:01of people and it's so funny how people
- 00:24:06offer to do things with your money.
- 00:24:10Wait, give me the example. You know
- 00:24:11what? I don't even know. you know where
- 00:24:13that's that saying where I don't know
- 00:24:14what the exact thing is but I remember
- 00:24:16how it how it made me feel. Um but it's
- 00:24:20it's funny when someone can present an
- 00:24:22idea especially when people are like lit
- 00:24:24and having fun. Oh after this we can go
- 00:24:26this place this place and this place.
- 00:24:27Okay that's cool. Well how are we you
- 00:24:30know like how what's the setup? Oh you
- 00:24:32know like they're going to give you like
- 00:24:33because of who you are they're going to
- 00:24:34give you a little disc okay because of
- 00:24:36who I am they're going to give me a
- 00:24:37discount. Yeah. So I'm paying. Um in
- 00:24:40those moments it's just funny. I mean,
- 00:24:42you just got to create your boundary.
- 00:24:43But it's just it's so f like people be
- 00:24:46more excited to spend my money more than
- 00:24:48me. Yeah, that is crazy. Um, did you
- 00:24:53ever think about even making some
- 00:24:55investments with that money as well?
- 00:24:57Yeah, investments into myself. I feel
- 00:24:59like my greatest investment was during
- 00:25:02quarantine. um when we weren't allowed
- 00:25:05to go outside, I invested into my brand
- 00:25:07heavily and my my presence online was
- 00:25:10just which is very impactful and that
- 00:25:13led to you know me getting all these
- 00:25:15brand deals. Yeah. So I feel like the
- 00:25:17the best investment I' I've made thus
- 00:25:19far has been myself. Um talk to me a
- 00:25:22little bit about now these days like you
- 00:25:25have a zillion different things going
- 00:25:27for you. um obviously such a talented
- 00:25:30musician, but like you mentioned, you're
- 00:25:32also an influencer who does do branded
- 00:25:35partnerships. What are all of the
- 00:25:36different ways that you are making money
- 00:25:38these days? I feel like one thing that
- 00:25:40I've prioritized this year is going
- 00:25:42outside of music. So like starting
- 00:25:45businesses that typically that I would
- 00:25:48have got a brand deal for, but now I'm
- 00:25:50trying to create like my own brand. And
- 00:25:53my my ultimate goal is to have like my
- 00:25:55own brand ambassadors or me cutting the
- 00:25:57checks for my influencers only because
- 00:25:59I've become so big in the brand space.
- 00:26:01It's like I need to have my own brand
- 00:26:02now. Yeah. You're like, I'm tired of
- 00:26:04doing brand deals. I want to give out
- 00:26:06the brand deals. I'm really excited for
- 00:26:08the moment where I create my own
- 00:26:09business and I'm hiring these
- 00:26:10influencers and we're at my photo shoot
- 00:26:12and I'm creating the marketing plan and
- 00:26:14I'm figuring out how to like facilitate
- 00:26:16everything. Yeah. What advice would you
- 00:26:18give to someone who was in your position
- 00:26:21struggling really wanting to be where
- 00:26:24you're at now? Like someone who was me
- 00:26:26like a couple years ago. Yeah. Mhm. Like
- 00:26:29someone who is interested in, you know,
- 00:26:32maybe the music industry, but also
- 00:26:34getting into acting, getting into social
- 00:26:36media. Like, how did you do it all? I
- 00:26:39think the best advice I can give is
- 00:26:42having a strong support system. I think
- 00:26:45that's the most important because after
- 00:26:48you're hustling, after you're working,
- 00:26:51after you're doing all these long days
- 00:26:52of work, it's important to have a
- 00:26:54community that you love and trust. Yeah,
- 00:26:56that's the best advice I can give
- 00:26:58because no matter what's going on in
- 00:26:59your external life, whether it's
- 00:27:00positive positive or good, if you have
- 00:27:03like a a safe space, I think that's what
- 00:27:06can keep um keep someone in a good
- 00:27:10mental health state to keep going. Yeah.
- 00:27:13And you are the queen of the pep talk.
- 00:27:15Like I put your music on when I'm
- 00:27:16getting ready. I'm about to go give a
- 00:27:18speech or do something cool with my
- 00:27:20career and I need to get really excited.
- 00:27:22What is the pep talk you give yourself
- 00:27:24every day in the mirror? Okay, so I have
- 00:27:28a friend. No, I have a friend in a
- 00:27:31different industry and this friend is
- 00:27:33like really good at what they do. And um
- 00:27:37my friend told me that before they go on
- 00:27:41set or before they do anything, they
- 00:27:43tell theirel like, "I'm the best. I
- 00:27:45believe in myself. I can do this." It's
- 00:27:47a whole bunch of like affirmations, but
- 00:27:49it's very intense. It's like you do
- 00:27:51that, you don't touch your phone, and
- 00:27:52then you hit the stage or you hit the
- 00:27:54set and then you just lock in. Wait,
- 00:27:56wait, wait. Why can't I touch my
- 00:27:57emotional support phone? your emotional
- 00:27:59support phone. What's that? It's just
- 00:28:01like, you know, like how all these days
- 00:28:03like all of us are just like addicted to
- 00:28:04our phones. I feel like I'm always
- 00:28:07holding that thing just like it's like
- 00:28:09it just provides me comfort. Wait, what
- 00:28:11do you I've never heard this before. No,
- 00:28:13like just like um Okay, so some people
- 00:28:16have like an emotional support animal.
- 00:28:18That's like where it initially came
- 00:28:20from. But then there was like a joke
- 00:28:21amongst the girlies that we all had like
- 00:28:23emotional support water bottles. Like
- 00:28:25you always had that water bottle on you
- 00:28:26cuz you never wanted to be thirsty. But
- 00:28:28I've taken it one step further now and
- 00:28:30I'm like I have an emotional support
- 00:28:31phone that I'm like if I don't have my
- 00:28:34phone I'm like oh my gosh. You know what
- 00:28:36mine is then? What? Gum.
- 00:28:39My emotional support. Your emotional
- 00:28:41support gum. Yeah. That's my that's my
- 00:28:43thing. You have to have gum. Yeah.
- 00:28:44That's that's my emotional support.
- 00:28:46Okay. Well, you can have your emotional
- 00:28:48support phone, but just don't check it
- 00:28:49because what you're doing is you're
- 00:28:51getting into a zone and you're locking
- 00:28:53in before you have to handle whatever
- 00:28:55you have to handle. Is that what you do
- 00:28:57before you go and perform live?
- 00:28:59Sometimes I have to get better at being
- 00:29:01consistent with it, but when I do it
- 00:29:02before a show, like it's generally a
- 00:29:05good show. Yeah. I don't know if you are
- 00:29:08able to share this, but you mentioned
- 00:29:10wanting to like build businesses. Is
- 00:29:14this something that you are planning on
- 00:29:15doing on your own or are you looking for
- 00:29:18someone to kind of come be the immigr?
- 00:29:23Oh, wow. That's a good point. Um, I
- 00:29:26definitely need a team. I don't think
- 00:29:28it's something that I can do alone, but
- 00:29:30um, partnerships work the best for me,
- 00:29:33you know. Um, and I'm not afraid to
- 00:29:35admit that. You know, some people can do
- 00:29:36it on their own. I'm the type of person
- 00:29:38person where I need a partnership so
- 00:29:41that I can have some accountability and
- 00:29:42that's the best way that I work. Yeah.
- 00:29:45Um, in terms of other investments in
- 00:29:48your life, talk to me. stock market,
- 00:29:51like you know, real estate. Is there
- 00:29:53anything else that you have your eye on?
- 00:29:55I'm interested in real estate. You are?
- 00:29:57Why? Talk to me. Um because So, if I
- 00:29:59were to do real estate or when I do
- 00:30:01finally get into it, um I'd like to
- 00:30:04create luxury affordable homes for
- 00:30:06college students. Okay. There's a little
- 00:30:09bit of an like oxymoron here happening.
- 00:30:12Luxury roof. I love that. like like
- 00:30:15something that's comfortable and
- 00:30:17something that's
- 00:30:19nice to at least look at because think
- 00:30:21about it, you know how it is. You're you
- 00:30:23are a college girl, you're at school all
- 00:30:25day, you're you're you're you're going
- 00:30:28to work. When you come home, you want to
- 00:30:30feel like you're in a comfortable
- 00:30:32environment that you can just relax and
- 00:30:35love like looking at, right, sweetie? I
- 00:30:37wish I could tell you my college
- 00:30:38apartment was trash, right? Was so
- 00:30:41trash. I lived on a street called
- 00:30:42Kenwood and we called it the Kenwood
- 00:30:44crack den because the entire apartment
- 00:30:46was tilted. If you put a marble on the
- 00:30:48ground, it would roll to one side. We
- 00:30:50had a fifth roommate named Chester that
- 00:30:53it was a mouse. It was I can't even
- 00:30:56begin to explain to you how dastardly
- 00:30:59this apartment was. So, let me tell you
- 00:31:00something. When I was at state and at
- 00:31:04USC, we're paying at least 1,100 to,500
- 00:31:08a month. Yeah. to split a tiny room. And
- 00:31:12it's like, why are we That's a lot.
- 00:31:14Yeah. But why are we Well, it's
- 00:31:15California. Yeah. But why are we why are
- 00:31:17we And that's why I had to take out all
- 00:31:19those loans, too. But it's it don't
- 00:31:21matter where you went. It could have
- 00:31:22been a nice place, an old place, but
- 00:31:24it's just like why are the living
- 00:31:26conditions like this because of greed,
- 00:31:29because of capitalism? No. Like, kids
- 00:31:31need to come home. They need to
- 00:31:33decompress. They need to relax because
- 00:31:34it's just like we're already like our
- 00:31:36brain's already on 10 at campus. when I
- 00:31:39come home, I want to be in my safe
- 00:31:41haven. I want to actually like coming
- 00:31:42home, you know? Yeah. Yeah. That's such
- 00:31:45a great part of the market that I feel
- 00:31:47like is so underaddressed. Yeah. But
- 00:31:49that's that's my goal. We had like an
- 00:31:50evil landlord. An evil landlord. Oh, I
- 00:31:53had multiple evil landlords throughout
- 00:31:55my life. Did I I've never had one. I
- 00:31:59never had one. Probably because you
- 00:32:00didn't sign a like a long-term lease all
- 00:32:02those years. No, let me tell you
- 00:32:04something. One of one of my one of my
- 00:32:07Craig Craigslist roommates kicked me
- 00:32:09out. Wait, what? So, um I had I had two
- 00:32:14I had three roommates. So, I had it was
- 00:32:16both of us. It was one girl in a room
- 00:32:18and then me in a room and in the living
- 00:32:20room it was a girl and her daughter and
- 00:32:22they had sheets. Yeah. But it was right
- 00:32:24next to the kitchen. I'm a night owl.
- 00:32:26So, like I would work out, come home,
- 00:32:28cook my, you know, my my ground turkey,
- 00:32:31my rice and ketchup. So eventually they
- 00:32:33were like, "You need to change like your
- 00:32:35workout routine." And I at first I was
- 00:32:37just like, "Why why are you telling me
- 00:32:39this?" They're like, "Because like um
- 00:32:43it's affecting our sleep, etc., etc."
- 00:32:45I'm like, "Okay, cool." So I didn't
- 00:32:47change my workout routine.
- 00:32:50But I found if I came home and made a
- 00:32:52quick PB&J, that would be better than
- 00:32:54me, you know, then cooking on the stove,
- 00:32:56you know, washing the dishes after. I
- 00:32:57can just pop some some bread in the in
- 00:32:59the um toaster, take it out. quick PB
- 00:33:02and J. I'm out. Unfortunately, that
- 00:33:04didn't work for them. So, they like
- 00:33:06petitioned for me to get out. And then
- 00:33:08the other roommate agreed. All of them
- 00:33:11agreed. Well, because because I was like
- 00:33:14the new roommate in the in the
- 00:33:16community. So, I had run in somebody
- 00:33:18else's room out. But it was like three
- 00:33:19against one. They were like, "You come
- 00:33:21home too late. You're cooking in the
- 00:33:22kitchen too late. You got to go." But
- 00:33:24fortunately for me, it like pushed me to
- 00:33:26find one of the best roommates I've ever
- 00:33:28had.
- 00:33:29How are you finding these roommates?
- 00:33:31Craigslist, girl. Okay, but I'm scared
- 00:33:33of Craigslist. Me, too. That's why I had
- 00:33:35to say a little prayer.
- 00:33:38But you found a good roommate. I found a
- 00:33:40great roommate. And what's what's crazy
- 00:33:42is she would work all night and then
- 00:33:45sleep all day. So, our schedules were
- 00:33:47flip-flop. So, it was like you lived by
- 00:33:48herself. That's even better. Yeah.
- 00:33:50That's genius. Genius. Genius. Um, so
- 00:33:54now that you are in a position where
- 00:33:56you've got a really successful music
- 00:33:58career, you've started acting as well,
- 00:34:00you've got this great, you know,
- 00:34:01influencer business, you're building out
- 00:34:04your own businesses in the future
- 00:34:06hopefully. Um, what else is kind of like
- 00:34:09on the road map of that foundation,
- 00:34:11reestablishing my media team? Wait, what
- 00:34:15do you mean by that? Um, because there
- 00:34:16was a point in time where I was like,
- 00:34:18you know, very ubiquitous online. Yeah.
- 00:34:20But then I had took some time off to,
- 00:34:22you know, focus on the music. And now
- 00:34:24that the music is ready to be rolled
- 00:34:26out. Um, I spent countless hours in the
- 00:34:28studio. I need to like get a media team
- 00:34:30again because, you know, I'm going to
- 00:34:32pop out again. But this time, I like it
- 00:34:34I'd like it to be under like my own
- 00:34:35media company only because I I produce
- 00:34:38so much content and a lot of that IP is
- 00:34:40mine anyways. So, it's like I'd like to,
- 00:34:43you know, build something off of
- 00:34:47not the old content, but the new content
- 00:34:49that I'm gonna make. Yeah. You're doing
- 00:34:51all the work. Might as well. Might as
- 00:34:53well own it. Absolutely. Um, when you
- 00:34:57started making some of that bigger
- 00:34:59money, what was the best thing you spent
- 00:35:02your money on? Um, paying my tithes.
- 00:35:06Paying your what? My tithes. Oh, okay.
- 00:35:08So, you mentioned like church a couple
- 00:35:10times. Like, do you still find that
- 00:35:13you're very spiritual, religious? Do you
- 00:35:15still go to church? Um, I've always been
- 00:35:17spiritual and when I can go to church, I
- 00:35:19do. Um, but I love giving back to a
- 00:35:21community that's always praying for me
- 00:35:23and my grandmother's always praying for
- 00:35:24me. Um, and they do like a lot of like
- 00:35:27when I was donating a lot, they were
- 00:35:29able to put that to like a lot of good
- 00:35:30use. So, I like that I'm able to like
- 00:35:33share my resources with people who need
- 00:35:35them and who actually use them for like
- 00:35:37a good purpose. Yeah. Mhm. Was there
- 00:35:40anything that you ever bought your
- 00:35:42parents? My parents The first thing that
- 00:35:44I did was buy my mom her favorite bag.
- 00:35:47Yeah. What was it? This Bayga green bag.
- 00:35:51I forgot what it is, but her favorite
- 00:35:53brand used to be or still is Bayga
- 00:35:55Vanetta.
- 00:35:57Why that over anything else? Do you
- 00:35:58know? You know, I don't know. I don't
- 00:36:00know. But she does like when she gets
- 00:36:02Chanel bags, so I think she might just
- 00:36:05like all bags that come from you. Yeah,
- 00:36:07that's her daughter. Yeah, but that's
- 00:36:08like the first thing that I bought my
- 00:36:09mom. Yeah. Mhm.
- 00:36:13Do you feel like um there's anything
- 00:36:15that you currently have your eye on in
- 00:36:17terms of spending?
- 00:36:23That's a good That's a good question.
- 00:36:26But honestly, I had pulled back from
- 00:36:27like spending frivolously. I'm like,
- 00:36:30"Girl, you need to chill." Post that
- 00:36:31call after that, you know, with your
- 00:36:32accountant, you were like, "I need to
- 00:36:34Yeah. Um chill. Yeah, I need to chill. I
- 00:36:36I feel like I've been in a more chill
- 00:36:37state. There's nothing I really had my
- 00:36:39eye on. I've just been really focused on
- 00:36:41on working and, you know, um getting
- 00:36:44this music together." Yeah. Oh, that's a
- 00:36:46good question.
- 00:36:48Okay. Well, don't let me put the
- 00:36:49question in your head and then you have
- 00:36:50to go out and buy something. No,
- 00:36:52absolutely not. But I think the next
- 00:36:53thing that that I'd probably buy is some
- 00:36:56property. Mhm. something that'll
- 00:36:59appreciate in the future hopefully.
- 00:37:01Yeah. Gain value. But also, I don't know
- 00:37:03where I want to buy this property
- 00:37:04because I'm kind of tired of LA. Oh, you
- 00:37:06are? I'm tired of LA. Yeah. I'm ready to
- 00:37:09like leave. Oh, come on. So, it's like I
- 00:37:12don't want to buy a house here and then
- 00:37:13I leave. So, I think that's some that's
- 00:37:16another reason why I've been kind of
- 00:37:17like postpone I've been like postponing
- 00:37:19on like finding something out here that
- 00:37:20I have to commit to. Yeah, that's a good
- 00:37:24piece of advice. I asked you earlier and
- 00:37:25I was like, "How are you managing your
- 00:37:27money when you didn't have any?" And you
- 00:37:28said, "I didn't have any money to
- 00:37:29manage." What about now? How do you
- 00:37:31manage your money now? Having a good
- 00:37:33business team. And you rely on them. I
- 00:37:35really appreciate them and I rely on
- 00:37:37them. They put everything out on
- 00:37:39spreadsheets. We talk about goals. We
- 00:37:41talk about my spending habits. And I
- 00:37:43think that for someone who's always
- 00:37:45working, especially at my level, I think
- 00:37:47that it's great to have a business team
- 00:37:49that you can rely on and trust. What is
- 00:37:52a money goal of yours? Like is there a
- 00:37:54number? A money goal is to have passive
- 00:37:57income in the millions. Passive income
- 00:38:00in the millions. Okay.
- 00:38:03Do you have a [ __ ] you number? [ __ ] you
- 00:38:06number? Yeah. What's that? Oh girl.
- 00:38:08Okay. So this is like the you're rich
- 00:38:10BFF like [ __ ] you number. Basically
- 00:38:13there will be a number out there that
- 00:38:15the passive income that comes off of
- 00:38:19those investment gains. If you have that
- 00:38:20number invested, you can kick over your
- 00:38:23desk and tell your boss, "Fuck you." So,
- 00:38:26for example, um the this is the
- 00:38:29calculation. You You're a math girl, so
- 00:38:30you'll get this. You'll love this. So,
- 00:38:33you think about your perfect year. Okay?
- 00:38:35You close your eyes, you fantasize.
- 00:38:37Okay?
- 00:38:38I I'm fantasizing a jet for you right
- 00:38:40now. Um but you know, you think about
- 00:38:43your perfect year and then you
- 00:38:45guesstimate roughly what that year would
- 00:38:47cost. Mhm. So you have this number, you
- 00:38:50divide it by 0.04
- 00:38:54and that represents a 4% return. So just
- 00:38:56a very very conservative estimate. Mhm.
- 00:38:59Um then you will end up with a number
- 00:39:02and that's the number that you would
- 00:39:03need to have invested making money for
- 00:39:06you. Mhm. That could then support your
- 00:39:09entire lifestyle without you having to
- 00:39:11do any more work. So for example, if you
- 00:39:14have $25 million invested Uhhuh. and
- 00:39:17it's earning you a conservative 4%
- 00:39:20return every year. That is a million
- 00:39:22dollars in just investment returns that
- 00:39:26you can live off of. So what is my [ __ ]
- 00:39:28you number? You know what? We can get to
- 00:39:31that. But even if I had a [ __ ] you
- 00:39:33number, I wouldn't stop working. Okay.
- 00:39:36What's the mindset behind that? I just
- 00:39:38love to work. Like my mind is always
- 00:39:41creating like different ideas. I think
- 00:39:43if I did have a [ __ ] you number, it
- 00:39:44would just go into a year of pure
- 00:39:46creativity.
- 00:39:47taking
- 00:39:51this
- 00:39:53kind of
- 00:39:57um but I love to work like I just I
- 00:40:00don't know it just it's crazy because on
- 00:40:03my days off I need it but then my like
- 00:40:06my mind is going crazy like I like my
- 00:40:08mind I'm my mind needs to be productive
- 00:40:10all the time. Do you think you're ever
- 00:40:11going to retire? I think what retirement
- 00:40:13looks for me is probably like pouring
- 00:40:16into someone else's career. You want to
- 00:40:18be a manager, a mamaager. Not a mama,
- 00:40:20but maybe like mentoring or guiding
- 00:40:23someone or um doing something of that
- 00:40:26nature. But I can't picture myself just,
- 00:40:28you know, kicking back and relaxing. I
- 00:40:31could probably do that for like two
- 00:40:32days. Then I'm like, where to work at?
- 00:40:34Two days? Yeah. That is not long enough.
- 00:40:37It's not. But I don't I I really love to
- 00:40:39work. And I love when work doesn't feel
- 00:40:41like work. Okay. Mhm. Does your work
- 00:40:45right now feel like work? Sometimes.
- 00:40:47Ooh. Yeah. So, I think my [ __ ] you
- 00:40:51number would event would would lead to
- 00:40:53like instead of me taking time off, I
- 00:40:56would just purely enjoy all the work I'm
- 00:40:58doing. You would only say yes to the
- 00:41:00stuff you really want to do. Absolutely.
- 00:41:02Okay. But still give me the number. [ __ ]
- 00:41:04you. Number girl. I like
- 00:41:09Do you need a calculator to calculate
- 00:41:11this? Girl, I girl, it's a it have to be
- 00:41:14a big number because I want to if I'm
- 00:41:17working, I want all the resources. I
- 00:41:18want to travel in comfort. Yeah, of
- 00:41:20course. I want to look fabulous when I'm
- 00:41:22working. I don't know. I'd have to think
- 00:41:25about that number. Yeah, it's a big
- 00:41:27number, guys. That's a big number,
- 00:41:28though, because everything would just
- 00:41:30feel so it would be like inconvenience
- 00:41:32for me, you know? Very convenient for
- 00:41:34me. I mean, oh, like you're saying like
- 00:41:37while you're working, you want
- 00:41:38everything to be very convenient for
- 00:41:39you. Very convenient. Yeah, that's what
- 00:41:40I meant. Thank you. I think that's
- 00:41:42really smart because when it's
- 00:41:44convenient for you, you can do your best
- 00:41:46work, right? Absolutely. And that's what
- 00:41:48we're looking for. Absolutely. That's
- 00:41:50the goal. That's my fantasy and that's
- 00:41:52my goal. And I'm happy that you're like
- 00:41:54that we're talking about this cuz when I
- 00:41:56have goals, like I said, like my
- 00:41:58deadline, then I'm actually more
- 00:41:59motivated to work. So, thanks. I need to
- 00:42:02find my You know what? This is like
- 00:42:04money therapy because when you say it to
- 00:42:08me and millions of other people who are
- 00:42:11probably going to watch this right now.
- 00:42:13You're accountable. You've told us. I
- 00:42:15told you, girl. But you helped me think
- 00:42:17about it. Yeah. Yeah. That's why I like
- 00:42:20being around people like you. Yeah.
- 00:42:22Smart girl. Smart girls. Smart girls
- 00:42:24hang out together. I like You should
- 00:42:26make that merch. Should I? You are
- 00:42:29always thinking about business. I told
- 00:42:30you. Girl, I just said something. You're
- 00:42:32like, "You should make a merch brand."
- 00:42:33Like, cuz I would buy that. Yeah. Cute
- 00:42:35hot pink shirt, white writing. Straight
- 00:42:37to the point. Smart girls hang together.
- 00:42:39Or money green. Money green. Money green
- 00:42:41shirt. Some cute writing. Make a baby
- 00:42:43tea. Oo, baby tea. Crop it. Crop it.
- 00:42:45Baby tea. Crop it. Cute. Sell them out.
- 00:42:51When I make this t-shirt, you will be
- 00:42:53the first person on the PR list. Send me
- 00:42:55the sample. Yeah, exactly. No, I'm not
- 00:42:56on the PR list. I want the sample. you
- 00:42:58want the sample before we even preview
- 00:43:00it. Yeah. Yeah. Yeah. Okay. Perfect.
- 00:43:02Perfect. Um so I just kind of want to
- 00:43:05wrap us up a little bit. Um as you are
- 00:43:08starting to think about the future, um
- 00:43:11whether that be, you know, 5 years down
- 00:43:14the line, 10 years down the line, what
- 00:43:16does your financially happy ever after
- 00:43:18look like? Honestly, before I answer
- 00:43:21that, I think this has been one of the
- 00:43:24most difficult conversations for me.
- 00:43:27Really? No. I' I've really enjoyed it.
- 00:43:29But when you've made so much money and
- 00:43:33you haven't had money before, sometimes
- 00:43:35you're just so happy that you made
- 00:43:37money. So, you don't really plan your
- 00:43:39money. You don't really you aren't
- 00:43:40eyeing your money. You just For me, it's
- 00:43:42like as long as I have enough to pay my
- 00:43:44bills, do this and do that, I'm good.
- 00:43:47But, I am at a point in my life where
- 00:43:50I've made um the wrong decisions with
- 00:43:53money. I made the right decisions with
- 00:43:55money. I've hired the right people to
- 00:43:56manage my money. Now I'm thinking
- 00:43:58different. Yeah. So when you were asking
- 00:44:00me some of these questions in the back
- 00:44:02of my mind I'm thinking, you know, I
- 00:44:03should be thinking about that. Um
- 00:44:05because I am having these types of
- 00:44:06conversations now. Um so I feel like my
- 00:44:09advice for people who
- 00:44:12come across a large sum of money, get
- 00:44:14those good people around you early cuz I
- 00:44:16didn't always have like the best people
- 00:44:17around me, but now I do. Um cuz it's
- 00:44:19important especially if you're if you're
- 00:44:22working a lot to have people who are
- 00:44:24thinking about your money when you're
- 00:44:25not. Over the course of your lifetime,
- 00:44:27what do you think is like the biggest
- 00:44:29money mistake you've made? Shopping too
- 00:44:31much. Really? It's just the shopping. It
- 00:44:33was the shopping, but it was like
- 00:44:34therapy for me. Okay. Cuz I sometimes Oh
- 00:44:37my gosh. I wouldn't even wear somebody's
- 00:44:39clothes. You would just buy them. I
- 00:44:41would just buy them. But I was It was a
- 00:44:43toxic way of of me nurturing, you know,
- 00:44:46my unhealed feelings about something.
- 00:44:48So, I was shopping too much. But that's
- 00:44:50why like now I barely shop. M but now
- 00:44:53like I I like reward myself if I get
- 00:44:55something, you know? What do you think
- 00:44:57is the difference between how people who
- 00:44:59have money think about it versus people
- 00:45:00who don't have it think about it? For
- 00:45:02people who don't have it, I feel like
- 00:45:04they're they're thinking a in a very
- 00:45:05singular way, like I have to get this
- 00:45:07amount of money to pay for this rather
- 00:45:09than when I'm when I've been around
- 00:45:11people with money, there's almost a
- 00:45:13lightness to the conversation. It's
- 00:45:15like, how can we play with this money?
- 00:45:16What can we do with this money? How can
- 00:45:18we move this money? How can we invest
- 00:45:20this money? Yeah. And if I spend this
- 00:45:22money on something, how is it going to
- 00:45:23like make me money back? That's that's
- 00:45:26what I feel like the conversations are
- 00:45:28are held at a at a more dynamic level.
- 00:45:31Yeah. Scarcity versus abundance. Come
- 00:45:33on. Yeah. Smart girls hang out together.
- 00:45:40All right, guys. This is my merch
- 00:45:41manager. Um, but you know, before we get
- 00:45:44going, I do want to give you a chance.
- 00:45:46Like, you told me you spent hours in the
- 00:45:49studio. You got a lot of cool stuff
- 00:45:50coming up. Yeah. Talk your talk. What do
- 00:45:53we What What can we look forward to?
- 00:45:56Great visuals,
- 00:45:58um, bomb music, um, better shows, tours,
- 00:46:03and honestly, like, there's a lot of
- 00:46:06goals that I have when it comes to my
- 00:46:08music. But when it comes down to it, my
- 00:46:10ultimate goal is just to be happy with
- 00:46:12the art that I put out. like not trying
- 00:46:14to appease anything, not trying to to
- 00:46:17beat something, but just purely like
- 00:46:20doing art for what I did it for why I
- 00:46:22did it in the first place, you know,
- 00:46:23because when you're like a younger
- 00:46:25artist or a new artist, you're just
- 00:46:27happy to be here. Yeah. But sometimes
- 00:46:29the game like, you know, it moves you
- 00:46:31around and makes you feel this way.
- 00:46:32People do this to you. But I want to go
- 00:46:34back to just the purity of it all. Yeah.
- 00:46:37Like that's my ultimate goal. You want
- 00:46:39to love music like you did when you were
- 00:46:4018. when I was I would say when I was
- 00:46:44like 14 16. 14. Yeah. Because I started
- 00:46:46writing poetry around 13 and then I
- 00:46:49started writing raps around like 15 16.
- 00:46:52Yeah. Yeah. Wow. Yeah. But that
- 00:46:54innocence of it all. You want to love
- 00:46:56the game. Like the real I want to love
- 00:46:59the art cuz you know the the game the
- 00:47:01game is to be play. Yeah. I don't know
- 00:47:03if you love it. I think you play it but
- 00:47:05I don't think you love it.
- 00:47:08Yeah. You got to be smart with the game.
- 00:47:10with art, you can just, you know, you
- 00:47:11can just love it. Yeah. And I think
- 00:47:14that's a perfect way for us to end.
- 00:47:15Sweetie, thank you so much for chatting
- 00:47:17with me. Thank you for having me. Thanks
- 00:47:19for tuning in to this week's episode of
- 00:47:20Network and Chill, part of the Vox Media
- 00:47:22Podcast Network. If you like the
- 00:47:24episode, make sure to leave a rating and
- 00:47:26review and subscribe so you never miss
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- 00:47:30question that you want covered in a
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- 00:47:44knowhow. See you next week. Bye.
- money management
- ambition
- financial mistakes
- real estate
- luxury homes
- support system
- creative industry
- investing
- personal growth
- music career