歡迎收聽「思維轉換力量」播客，這是一個面向青少年及其相關成年人的節目，我們將在這裡進行坦誠而直接的對話。我是主持人法蒂瑪貝，思維轉換專家。歡迎大家收聽。今天的節目，我們將探討財務思維。我們邀請了來自 You Inc 的安吉拉·塔圖姆和埃爾羅伊·塔圖姆，他們來自紐約州斯克內克塔迪。

And they are all about helping teens become millionaires. I love it. So, Angela and Elroy, how are you today? We're doing very well. Great.

Good. Good. So tell us about You, Inc. What is that, and how did you get it started? Yes.

Thank you. Thank you for the opportunity to be here. So You, Inc. Wealth education services is an educational service. So we're not selling anything except education.

So we're helping young people. We're helping teens. We're helping children, adults, really anyone. But our focus is definitely on younger people, helping them to achieve their life goals. And no matter what your life goal is, money helps you to achieve it.

And so Yeah. Yeah. So we're introducing the concept of financial independence, and we're helping people get that by working backwards. So we're setting them up to learn, the habits and the disciplines in order to achieve financial success because a lot of it is your daily habits. It's your mindset towards money, and it's something that really everyone can achieve if they have, of course, you know, the desire to do it, the mindset, and most importantly, the skills.

So we think that, money is a skill that everyone can learn, and so we're helping those students, develop those skills. So we're giving them very practical information on how to become millionaire millionaires. So we're introducing the roadmap. Yeah. And, you know, re really, there's a lot that's not taught in schools.

Right? You Mhmm. I remember in high school, you know, you learn all of the academics. You learn, you know, the math, the reading, and critical thinking, all that stuff. But, you know, once you're done with that, you're going out into the real world, and there's nothing in that curriculum about how to, you know, how to balance a checkbook or how to manage money if you have a job.

Right? A lot of our teens, you know, you have a after school job or you have some allowance or some you know, you're getting some income. And then once you're done with high school, right, yeah, that's it. You know, you're paying taxes. You're doing all this stuff.

And so, you know, our our organization is there to establish that foundation in financial literacy to give you a springboard because the earlier you start, managing your finances well, the the easier it is to get to that millionaire status. Right? And so, you know, we we wanna teach people those foundational concepts now, while they're still young. And a lot of a lot of young people don't have, you know, that that rich uncle or the, you know, a person to really show them the ropes on how to manage finances, in a meaningful way. And so we're providing that, you know, we're we're providing that, which it's it's actually a service if you are if you're fortunate enough to have someone in your life.

Right? It's it's a it's like a it's a blessing for you if you have someone like that in your life to teach you about finances. But a lot of students don't have that, and so we fill in that that gap. So how did you guys get started? We got started, I used to work at Union College.

I was the director of community outreach, and so one, year, one of the professors at Union, she emailed me and she said, Hey, we've got a lot of summer research students on campus, and she said, They have a lot of extra time, So, can you help get them engaged with the community? So, I organized a volunteer fair, for Union College students over the summer, and I reached out to five different not for profits. And I invited them to come in to the campus center, you know, speak to the students about volunteer opportunities. And, I met a woman there and she was, a black woman. She was representing, one of the not for profits, and we just clicked.

And, she was just sharing with me, she's a very transparent person, and she was just asking me questions, and I was asking her questions, and one thing that I learned about her really quickly was that basically she was living her life with, intention, and she was making things happen. She was living the life that she wanted. She was very passionate about the organization where she volunteered. She was very passionate about different things and she had the time and the resources to put towards those things that she was passionate about. So she was actually not working a regular nine to five job.

She was basically a full time volunteer and I was really intrigued because one of the questions, you know, that you ask somebody when you first meet them is what do you do? And she was telling me, she's like, well, I volunteer here. I volunteer here. I volunteer here. And I was like, Wow, that's a lot of volunteer work.

And I was like, But where do you work? And she told me, basically her and her husband were financially independent. And I was like, Wow. I, you know, I guessed what the word meant, but I had never heard anyone tell me that they were financially independent ever. And I was like, Wow, that's awesome, and she was really passionate about, sharing the information.

And I think she saw me, you know, I'm a little bit younger than her and her husband, so and they do not have any children, and I think they were really looking to share the knowledge with someone who would really, like, take hold of it and pass it on. So she invited us to to her house to meet her husband and say, like, we're gonna give you guys, some a foundation in how to reach your life goals, and live the life that you want to live, if you guys did not have any debt and, you know, if you had a a handle on your finances. So I go home. I tell my husband. I said, oh, I met this woman.

You know, I love everything about her. Like, she's very you know, her life seems very attractive. And, you know, when you meet someone who is living a life that looks pretty attractive, you wanna get to know them. You know, you wanna learn from them. And she gave us the invitation to to learn from her and her husband.

So I go home, I tell Elroy, and there's, you know, the phrase things get lost in translation. So I'm telling Elroy, and he's thinking like, this kinda sounds like maybe it's a scam. Yeah. So I was not having it. I I said, you know, it sounded just like every other, you know, MLM, multilevel marketing thing.

你知道嗎？我當時就想，是啊。不。他們會讓我們去他們家做個示範。然後他們會讓我們買點東西或參與其中。

And I was like, yeah, no, thanks. Yeah. So I kind of just, I was like, you know what? Maybe I misheard her and maybe she is trying to sell us something. So I did not follow-up with her.

I I think it was, like, a year later. I ran into her at one of the places where she volunteers. I was donating clothes, and I saw her. And then, of course, I felt guilty. And I was like, oh, this nice woman that I met, you know, I basically never followed up with her.

她人很好，你知道，她沒有讓我感到內疚什麼的。她說，不。她說，如果你想，沒關係。邀請隨時開放，但你知道，不要感到有壓力。但當我再次遇到她時，我卻說，不，不，不。

I really do want to get to know her. My my first sense was correct that she is a person we should get to know. So we decided that we were gonna go and meet with her and her husband. So we had dinner at their house, and they really gave us a crash course in financial independence and how to basically achieve millionaire status. So they I think we we went over there for dinner, and and we were thinking like, oh, you know, maybe we'll be there for two hours.

我們大概在他們家待了，大概，我不知道。是的。我們待了大概五到六個小時。然後就離開了。就這樣。

You know, and in the beginning, you know, I was I was fighting this thing, like, the whole way. You know? We were sitting in their driveway, and I was trying to coach Angela. You know? Don't say yes to anything.

Make sure, you know, if they ask you questions, say, you know, we'll we'll get back to you or something. But, yeah, you know, they they became like the, you know, the rich uncle and and aunt who would say, hey. Are you investing in your four zero one k? Are you doing these things? You know?

And, you know, we got so excited because we had never even heard about any of this stuff before. Right? We hear these phrases. I want my money to work for me. You know, I want to, you know, I wanna be wealthy.

對吧？但很多人，尤其是在貧困社區，聽到這些話，也想得到，但卻不明白其中的意義，也不知道該如何實現。所以，你知道，這些人實際上向我們展示了這些步驟。然後，我看到很多和我一起畢業的同事和同學也負債累累，你知道，他們和我一樣，都來自貧困的社區，在貧困中長大。然後，你知道，接受教育是擺脫貧窮的關鍵之一。

Mhmm. And so I get you know, we get to this point where we have this income, but we're still struggling. And then we meet these people, and they're like, oh, you're supposed to you know? Yes. The the income is one thing, but do x, y, z, a, b, c, and and it it just clicked.

Right? And then so we started to teach that to other students. So Angela was working at Union College, and we had an opportunity to teach college students. And then then we just realized the demand is like because it's not taught anywhere. Right?

It's not taught in elementary, middle, high school, anywhere. And so, you know, we started reaching out really to the young people because we felt like, you know, if you learn this when you're young, the younger you learn it, the easier it is to build wealth and when you understand it. Can I back up for a second? I wanna point something out to the audience. What I heard out of that story, and and I asked you that story intentionally because I wanted them to hear how you came about starting You Inc.

What I hear is that someone offered to help you with information and teach you what you need to know, but you rejected it. And it was only once you accepted the help that was offered that things begin to open up for you. Yes. Exactly. There's that common there's a common phrase, you know, you don't know what you don't know.

Right? And then especially in in communities where there is lack, where there's limited funds, you know, it there's always seems like there's someone trying to scam you around the corner. Right? And and trying to get, you know, take the little bit that you do have with some scheme. Right?

And, you know, that you know, even though I was in sort of a middle class situation, I still had all of the, you know, these mistrust trust issues, because I you know, coming from from that kind of environment, you're trying to protect yourself. But at the same time, you know, you might be missing valuable insights. That's my point exactly. Sometimes we when we grew up poor, and I grew up poor too, there's there's a mentality that is often in existence. I don't care if you're black, you're white, you're Chinese, whatever.

When you your a poor mentality does not have a race, does not have a look. It's a it's a poverty mentality rather. It's a it's a mentality. Absolutely. And when you think that way, poor people stay poor primarily because they still think poor.

是的。我總是這麼說。但我真的覺得重要的是讓人們知道，你知道，你，這個公司，之所以能成立，是因為你最終決定利用你眼前的資源。如果你現在是個青少年，你眼前的一些東西，你只是把它們當作老掉牙的東西，或者為了他們或其他人。好好利用你眼前的資源吧。

Exactly. Exactly. And just to your point, when we do our program, we always start off like, our first class is called wealthy mindset. And you know more than anyone, you know, mindset is is key. You can't move forward with anything until you are in the right mindset.

很多時候，人們會邀請我們開課或研討會，並會給我們一個特定的主題。他們會問，哦，你能談談信貸、投資、債務、預算或儲蓄方面的知識嗎？所有這些都很棒，我們最終會討論它們，但我們會告訴他們，我們需要先從心態入手，因為如果他們沒有富裕的心態，其他一切都不會持久。所以我們不僅希望人們獲得一定的淨資產、財務狀況或百萬富翁地位，還希望他們能夠維持下去。所以，這不僅是獲得財富，更是要維持它，為你的生命以及你的後代。

What's it can you give us an example of the difference between a a wealthy mindset, a mindset where they can gain and grow money versus a mindset that just maintains living. Yeah. So the, you know, one of the the easiest one of the most simplest ways that I I, differentiate the the two mindsets is So first of all, we talk about net worth, and we have to explain what that is. Right? So there's this, you know, there's a wealth gap.

對吧？有時人們會想到這一點，他們會說，哦，這就像貧富差距越來越大一樣。但當我問人們什麼是財富時，你會得到不同的答案。有些人會說它與我的收入有關。它與信用評分有關。

信用評分，我的帳單都付了。所以，首先，我們要確定我的淨資產是多少。對吧？然後，富人會思考，他們所有的決定，包括財務決定、人生決定，都會考慮這些決定會如何影響我的淨值。對吧？

If I'm gonna buy a car, I ask how much does that car cost, and how is that car going to impact my wealth, right, later on? Right? If I'm poor, I'm just thinking, how much money do I need to put down, and how much money do I need to pay a month, and can I afford that monthly payment? And how much weed can I buy? Hey.

我們正在和你討論的是一個真實的想法。聽著，聽著。甚至像大麻、香菸這樣的事情，你知道，我們都會考慮它們會如何影響我未來的財富。嗯。

You know, even, you know, you know, cigarettes, when you you think about how much they cost, it actually impacts how much you smoke. Right? If you're a smoker, you will smoke less if you are thinking about your wealth. Right? Like, the like, this is you know, these are are real things.

And so that that's what I'm saying. The the wealthy person and this is what we teach when we talk about the wealthy mindset is all of my decisions, how do they impact my wealth? And not only my wealth, but, you know, when we're talking about weed and cigarettes, we're talking about your health as well. How much you can you enjoy the wealth? You know, if if it's gonna take you twenty years and you're thinking about your future self.

Right? If I'm in high school, right, I'm, you know, 16, 17, 18, and then suddenly I start thinking about what kind of options I wanna give the 28 year old version of myself or the 35 year old version of myself. Right? What could what are the things that I can do now so that that person is thanking me? Right?

The 16 year old version of me where you, you know, you're thinking, oh, I'm so glad I took that course when I was in high school, and I opened up that bank account. And I started saving, and I started saving money from my job, and I started this IRA when I was, you know, 18. Right? And you can look back and think, I have options now because of that person. You know?

當然，現在的你，對吧？ 16歲的你。但正因為你，未來的你才擁有了所有這些選擇，更健康，更富有，你知道，因為你最初做的一些事情，才擁有了更好的人生軌跡。對吧？

如果這個人現在20歲，才剛開始創業，那就難多了。對吧？或者他30歲了，才剛開始創業，對吧？所以，你知道，這就是關鍵。

That's the key. The the the key difference there with, you know, the the wealthy mindset versus what we come out with with our baggage. Everyone has a different money story and a way that they relate with money. You know, that some their parents didn't talk about it or they, you know, there was constant contention behind it. We only did a budget when we were broke.

You know, my my mom always said that, you know, I'm on a we're on a budget, you know, but it was only because the it was only because we didn't have any money. Right? Right. And so there's all these different things that come that we grow up with because this because it's not regulated in the schools. Right?

We in school, you always learn one plus one. You learn American history. You learn global history, and you learn it in a very specific way. You know, it's a different story. But it's a very standardized approach to learning.

說到金錢，每個人學習的方式都不一樣，有的跟父母學，有的跟朋友學，等等。所以當我們進去的時候，我們會說，嘿。你知道，這就是富人管理金錢的方式。明白嗎？

We need to start to take our behaviors and start to think, mold our mindset. Of course, bringing your cultural values and things, but we need to start molding things in a way where we're thinking about our net worth now because that's the wealthy mindset. Yep. Everything we ignore, will take over us. And if you ignore money, your the lack of it will take over us take over you.

Let me ask you this. So in a lot of songs and a lot of things that our our youth are looking at, and not just our youth, the generations before them, this was true too. A lot of songs and other cultural things teach us go get money, go get you, or get paid, get bank, go get money, go get money. Is that a wealthy mindset? That's a great question.

是的。我想說，富人的心態肯定是賺錢，但也要考慮賺錢的原因。所以我們總是會問，第一個問題是，錢背後的原因是什麼？你想成為百萬富翁，但為什麼呢？你打算怎麼處理你超過百萬美元的淨資產？

So when we do the wealthy mindset, we ask people, if you did not have any debt, if you had a million dollars in the bank, what would you do? What would how would your life be different? And people, especially young people, you know, they give some of the best answers. Like, we've heard, teenagers say, I would buy a house for my mother. I would start an organization that helps homeless youth.

我會這麼做，而且他們這麼做的理由都非常無私，所以我們會提醒他們，把理由寫下來，放在你看得見的地方，這樣你就能記住你這麼做的理由。所以，想要賺錢並沒有錯。所以我們告訴人們，別惹任何人，如果有人說“金錢不是萬能的”，也別難過。金錢能打開一些原本無法打開的門。所以金錢非常重要。

我們生活在資本主義社會，所以你確實需要錢。如果你想做出那些重大改變，你需要財富，或者你需要認識某個願意給你財富或為你打開大門的人。所以，擁有很多錢或渴望很多錢，這絕對沒有錯。即使你的理由不是因為你想幫助別人或動物，說實話，有些學生可能會說，我想住在某個社區，或者我想做這件事，我想去旅行。

I want and they it might be seen as more selfish, but, hey. We're human, and and it doesn't really matter what your reason is because it's your reason. So we're not here to judge your reason, but that's what's going to keep you going. So we just always wanna remind people, remember the why. So when things get hard and things are going to get hard because when you're, when you're on the journey to financial independence, you can't do everything.

Like, you you can't say yes to everything because then you're not going to have money left over to invest or to get out of debt. So you have to learn how to live below your means and if you're living below your means you're going to have to say no to some of the things that you want to say no to, but like Elroy said, remember your future self because the thing that you want now, you're going to be in a real position to attain it, if you continue on this path. So we tell people it is a journey, you know, it's not like a get rich quickly thing, you know, it's a lifestyle, but it is doable. So I think one of the things that that that we do this is because we want people to understand that it is possible because sometimes people have the mindset that they think, well, no one in my community or no one that looks like me, no one in my family has ever achieved that type of financial success. And so we say, hey, let it begin with you.

You know, you can be the catalyst. You can change your family tree. You know, you don't have to come from wealth, but wealth can come from you. And so Well, can you say that again? Yes.

Yes. So, right. You don't have to come from a wealthy family, but a wealthy family can come from you. I love that. I love that.

是的。我可能不是……我知道我不是第一個這麼說的人，但我聽過，而且它一直縈繞在我的心頭。你要牢記在心。是的。是的。

Yeah. And then the other thing too, like, is going back to, you know, celeb celebrities and pop culture is, you know, oftentimes, we we see you know, what they portray is not actually a wealthy lifestyle. What they're portraying is about it. It's excessive it's a lifestyle of excessive consumption. It's a consumer lifestyle, but it's an extreme consumer lifestyle.

And this is one of the things that we we teach to to young people is that is that every, you know, every if you talk looking at the, the socioeconomic ladder, you know, poor, middle class, upper class, whatever. Because we live in a capitalistic society, there is always going to be an organization, a business that is aiming for your dollars. If you're if you're poor, there are businesses that will exploit the poor for their money, and they will keep you poor. If you're middle class, there are companies that will exploit your middle class income. They're targeted towards your middle class income and demographic to get your money.

如果你有錢，它們都是一樣的。所以我們在許多流行文化、音樂和娛樂中看到的是，它們正在衰落，我想說，衰落看起來就像你正在成為消費生活方式的受害者。對吧？一種以消費為基礎的生活方式。你知道，這是我們從外部看到的，我們潛意識裡把它強加在自己身上。

You know, we start to say, okay. I made a little bit of extra money so I can buy more stuff. Right? I can look the part. And that translates to so as a as a teenager, right, maybe it's buying that little one tier up, you know, pair of sneakers.

You know? It's it's going from, you know, the the the Jordans to the Yeezys or the the Air Force ones or whatever it is. Right? But it translates in in adult life, you know, to okay. I used to drive a Civic, and now I'm driving a Lexus.

Right? And when you get to even higher incomes, it's, well, now I can instead of having one house, I have a vacation house. Right? And so every step of socioeconomic, you know, level, there's something that's going to keep you at that level if you succumb to the sales and marketing of, you know, of, those retailers, of those suppliers and businesses. So but what we don't see in pop culture is we don't see the entrepreneurial aspect.

The businessman, you know, we see you know, I I always use 50¢ because he's got a broad, swath of, pop culture, as as far as, like, ages. But, you know, we see him, you know, partying, and he's he portrays this lifestyle, right, of being this, you know, he's excessive consumption. Right? Go to the club and big spender. Yep.

但他是個商人，這一點我不喜歡，我不喜歡它沒有被凸顯出來。你知道嗎？我們沒有拍過一部關於五毛和他的商業往來，或是Jay Z和他的商業往來的紀錄片。你知道嗎？我們只看到這位說唱歌手，看到他的消費方式和生活方式，我們想效仿他。

對吧？願景是關鍵。就像安琪拉說的，你知道，當你把願景植入某人的腦海裡，讓他們相信自己能做某件事，他們就更有可能去做。對吧？甚至，對我們來說，我都不知道。

你知道，我們根本不知道如何累積財富。我們只是工作，支付帳單。後來，我們終於在現實生活中看到有人這樣做了。對吧？突然之間，擺脫8萬美元的債務、擺脫債務、還清房貸等等，都變成了可能，僅僅因為有人說，嘿，你可以做到。

Right? And and that's all you know, in addition to the the knowledge that we teach, you know, in our classes, that representation is is also key because we have so many people in our classes. You know, we're teaching and teaching the and somebody will raise their hand and say, did you really pay off your house? And it's like, yep. And it puts it you know, it creates a seed.

Right? Wow. I can do this. Right? And so that's what I I would love to see in our pop culture, you know, even our athletes, to see them making you know, putting it out there that they're making investments, and this is what they're doing, and and this is how we're managing and maintaining our wealth.

Because you have, you know, athletes on both sides of the scale. You have ones who completely squander everything, and, you know, they finish their their tenure in MBA, and they're working retail afterwards. Yep. And then you have the ones who make a a sustainable business. Their life becomes a sustainable business, and they brand themselves, and they get on, you know, different things.

And they're there's an entrepreneurial aspect to it where they're they're building wealth instead of just squandering it. And that's what I'd like to see because it's there, but we just don't see it. Now I've heard a lot about, we've talked a lot about wealth. You guys have a lot to say, and I wish we had another, like, sixteen hours to go over the rest. But because it would take that long.

正如你們所聽到的，這兩位知識淵博。他們真的有很多話要說，說實話，可以聊上好幾個小時。所以，您能否跟聽眾簡單介紹一下您去的學校，您提供什麼樣的研討會，以及他們如何找到您？好的。謝謝。

So we partner we we contract with schools, colleges, any organization that wants to invest in their students, employees, constituents. So we have an eight week session that basically walks you through the steps to becoming a millionaire. So we're talking, first, you know, like we said, wealthy mindset. We're learning how to do a conscious spending plan, basically, a values based budget. We're they're learning how to to save, what to save, how to save.

We're really focused on practical steps. So sometimes people will attend a seminar, and they'll say, oh, you should do a budget. So we walk people, this is exactly how you should do a budget. So we have a template. We walk them through it.

We critique it. Come in, and it's like a lab. Right? You you come in, and we sit down with you, and we will do your budget. We will show you exactly how to calculate net worth.

對吧？你知道，即使你是個高中生，人們通常也會談論你的淨資產，像是百萬富翁、億萬富翁之類的，但事實並非如此。你必須了解你的淨資產，並知道如何計算它。沒錯，你現在只是一份兼職，但我們會教你如何開設銀行帳戶。

You know, open up a bank account. Yeah. And this is how you calculate your net worth. You know, if you have even if you owe friends money or something, you know, we show assets liabilities. You owe a friend $20, that's a liability.

You can calculate your net worth. Right? And so we sit down. We do that. We sit down.

We have them put together a budget. You know? If you're getting a hundred dollars, a week or a hundred dollars a month or whatever it is, you know, how do we how are we gonna manage that? And we show them how to sit down and do it. We showed them how to save.

We showed them how to open a brokerage account so they can start investing. All of these are things that people don't learn until they're in their mid twenties and thirties and thirties. Or forties or fifties. Yeah. Yeah.

我們告訴你，你知道，你還在上高中，但是，是的，你可以投資IBM、微軟、Facebook等等，而且這並不難。對吧？沒錯。 818歲。但即使如此，你仍然可以讓別人為你開設一個託管帳戶。

It doesn't even have to be a parent. You know, it just as far as it's an adult, somebody can open up one for you. But, yeah, we we show you how to do all those things, so that you can hit the ground running. You know? And as soon as you have some income, you know, boom.

This is what I'm gonna do with that. Get my emergency savings. If If I have any debt, I'm gonna get rid of it. I'm gonna start investing. I'm putting money away.

Right? And you're doing that at, you know, in high school. Yeah. Right? So that's that's huge.

你知道，與後來開始的人相比，提前十到十五年，就相當於節省了幾十萬美元甚至幾百萬美元。是的。此外，我們也為家長開設工作坊。對於成年人，我們也有一個工作坊，一個計畫基礎，叫做「如何培養一個精明的理財孩子」。它提供了非常實用的建議，即使你已經懷孕了，你也可以在孩子出生前做一些事情，為他們在經濟上取得成功做好準備，例如在孩子成年之前為他們開設帳戶。

Maybe your young adult just started their first job. How to engage them in the process to make sure that they are investing in their $4.00 1 ks or four zero three b or a Roth IRA. Because sometimes as young adults, they think, oh, I did open it up. And then, you know, five years later, they look at it with, someone who has more financial knowledge and they see, oh, you opened up the account, but you actually didn't invest the money. And that's a common mistake we see.

所以，在孩子成長的每個階段，你都可以找到一些方法，幫助他們踏上這段旅程，與他們溝通，與他們互動。所以，我們提供了一些非常實用的步驟。你會給零用錢嗎？你會採用其他類型的製度嗎？你知道，你的孩子將如何管理金錢嗎？

他們會如何看待你這個成年人的理財方式？所以，父母可以做的很多。即使你自己沒有做好所有準備，你仍然可以參與孩子的理財中，為他們做好準備。無論你的孩子是青少年，還是像我說的，甚至是一個年輕的成年人，你都可以傾注心血，教導他們。我們也開設課程，因為對很多人來說，上大學是一個現實的選擇，而我們看到很多家庭會放棄一切。

I mean, they will borrow, and sacrifice their own retirement to help their child reach their college dreams. And so we have a workshop specifically for parents, and we want the students to also attend that workshop, And we talk about how to apply for college, how to pay for college, and we talk about setting the expectations and having your child understand that a good fit just doesn't mean do they have my major, and do they have the support that I need, but also be realistic financially. So, we talk about how to have that conversation and the earlier you have that the better. We love to do that workshop with young with parents of young children. So even if you have an elementary school child, I think that's the best time to take that workshop because you are really setting them up even for merit scholarships.

Like, there's a way like, there's two tracks. You're either going to try to get the most financial aid based on your high economic need or the most merit aid, which is basically high grades, talent, sports, SAT scores, things like that. But it's a strategy. And a lot of times people, they don't hear about this information until they're a junior or senior in high school. And a lot of times, I mean, you can still do some things, but it's much easier and you can get so much more scholarship money if you understand this from an early age.

這會影響許多人的淨資產，影響他們的財務狀況，尤其是大學學費，這部分費用很大，也是一筆巨款。所以，這是我們為學校、學區和家庭提供的另一個重要課程。對於那些不在首都地區，並且喜歡您今天所講的內容，並希望您能與他們的學生進行交流的人們，你們提供線上課程嗎？是的，絕對可以。

我們和亞利桑那州的一所學校合作。所以，當他們打電話給我們說，『你知道，我們想和你們合作』時，我們欣然同意。我們說，『哦，請把我們送到亞利桑那州。 ’他們沒有這樣做，但我們有線上授課。所以，是的，我們可以和世界上任何人合作。

你們的網站是什麼？是 y0uincwealth.com。是 uincwealth.com。太棒了。今天和你們聊天真是太棒了，真心希望今天能帶來一些改變。

And I really think that somebody listening, their mind was shifted by what you guys had to say today. And if nothing else, that's beautiful. Thank you guys for coming on. It's been great talking to you. Thank you.

This was such a great conversation. Thank you for the work you're doing. And now for a mind shifting moment. Economics matter. The way you think about wealth and money matters.

You see, economics does not start in your wallet or bank account. It starts in your brain. It starts in your mind and how you think because how you think is why you're on your way to financial freedom or why you're still stuck. I wanna challenge you today to go online, find a millionaire or a billionaire. Listen to how they think.

Find an interview. Find information about them. Listen to how they think, and then compare it to your thinking. Thank you for listening to Mindshift Power podcast. Please like and subscribe to my YouTube channel at the mind shifter.

If you have any comments, topic suggestions, or would like to be a guest on the show, please visit fatimabay.com/podcast. Remember, there's power in shifting your thinking. Tune in for next week.