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  • [ELECTRONIC MUSIC]

  • Hello, everyone.

  • I am Chelsea Fagan.

  • And I am incredibly excited to welcome you

  • to our brand-new show, The Financial Confessions.

  • It's very exciting for us for a lot of reasons,

  • primarily because it's a podcast, which

  • we've never done before.

  • But it's also a video podcast, which

  • I feel like is the best of all possible worlds,

  • as someone who likes to listen to her podcasts on YouTube,

  • for some reason.

  • I can't really even explain why.

  • But it's also just a chance for us to really kind of deep dive

  • into money with people in a way that we're not

  • usually able to because, obviously, our YouTube videos

  • do have a time limit generally.

  • And even for things like articles,

  • there's only really so far you can go, especially when you're

  • trying to focus on one topic.

  • Whereas with these conversations that we're

  • going to be having with all kinds of people on the show,

  • we really have a chance to talk about money in a way

  • that people are a little bit nervous to at first.

  • Usually in, like, minute 12, 13 of the conversation,

  • you start getting into the real good stuff.

  • But people have to really warm up to it,

  • because most people are really not

  • used to talking about money.

  • But we're lucky that people, for whatever reason,

  • feel comfortable talking to me about money.

  • So we're going to hear people share

  • a lot of stuff on this show that they've never shared, things

  • like what they earn, what they used

  • to earn at old jobs, the financial secrets

  • of their industry, all kinds of stuff that truly

  • is a confession for people.

  • So I want to tell you guys a little bit more about the show

  • and introduce you to our incredible producer, who we're

  • so excited to be making with.

  • But first, I also want to quickly

  • talk to you guys about who we are

  • producing this fabulous show with, and that is Intuit.

  • And if you've never heard of Intuit,

  • that's not that surprising.

  • But you have almost certainly heard

  • of a lot of their products.

  • They make things like TurboTax and QuickBooks

  • and Mint, all three of which are products

  • I use every single day.

  • They're tools that I have on my phone and my computer

  • because, obviously, I have my personal finances to manage,

  • but I also run a small business that

  • has employees and payroll and invoicing

  • and all kinds of stuff.

  • So using these programs have truly saved my life.

  • In fact, one of the very first things

  • I ever did to get good with money,

  • well before I even started TFD, was download Mint onto my phone

  • so that I can start tracking my budget, which is something

  • that I had literally never done before at that time in my life.

  • And so I can say with total sincerity

  • that I absolutely love the Intuit suite of products

  • and can endorse them wholeheartedly.

  • I have used, or to this day use every single one of them.

  • In fact, I was on QuickBooks about an hour ago

  • looking at stuff for TFD.

  • So all that to say, throughout this show,

  • we are going to be learning a little bit about the Intuit

  • products and what they can do for you.

  • And we're just incredibly excited to be working with them

  • to produce this show because they

  • have done so many awesome things in my financial life.

  • Just check out the link in our description

  • or in the show notes, and you can get started right away.

  • But I am also incredibly excited to introduce to you

  • guys our producer, a very good friend of mine,

  • someone who is just so talented and so on the internet

  • that it's unbelievable the quantity of things

  • that he does.

  • And it's so exciting that he's doing this project with us

  • because, frankly, I didn't think he would have the time.

  • But he is going to be our producer,

  • and we'll see him on every episode.

  • He'll be part of the conversation

  • and also sharing a little bit about his financial life.

  • And his name is Ryan Houlihan.

  • Hello!

  • Hello.

  • And he's sitting right next to me.

  • It's so exciting.

  • Where will you usually be?

  • I will usually be at a little booth

  • we've built, where I'm running all the tech stuff.

  • I'm looking things up.

  • I'll be like in The Matrix, where they're like hacking

  • and, like, jacked in.

  • But for today, I'm here just to say hi

  • so you guys can get to know my face a little bit.

  • Yes.

  • And so tell our audience, who may not know you yet,

  • a little bit about yourself.

  • So I am a video producer.

  • I am a comedian and an editor.

  • I wear a lot of different hats.

  • I also love-- I am very passionate about doing

  • charity work for women in New York City.

  • So I'm a busy body, red head.

  • And I absolutely, absolutely love The Financial Diet.

  • And I absolutely love podcasting.

  • It's a real passion of mine.

  • And it's been my entire adult life.

  • Do you like talking about money?

  • I love talking about money.

  • I would say I get the kind of thrill

  • that some people get from, like, dirty talk.

  • I love it.

  • Oh, same.

  • Because it's a taboo.

  • And you know me.

  • At a dinner party, I can go for five hours on a taboo topic,

  • like religion, sex.

  • But money is the one of that trifecta

  • that people are still terrified and guilty and embarrassed and

  • uncomfortable.

  • And that's what makes it fun to talk about.

  • It's so fun.

  • And I'm going to let you guys into a little bit

  • of fourth-wall breaking here to say that we've already filmed

  • a few episodes with guests, because we

  • thought it would make this conversation even better.

  • And we've already had a big number reveal.

  • We've already had one of our guests, who you'll

  • see very soon, share exactly what she earns and earned

  • for the past few years.

  • And we were saying when that happened,

  • we got to get a bell or something,

  • because it gives me-- and I'm sure it gave you--

  • an actual physical chill to hear people break that barrier.

  • It's a relief.

  • Yeah.

  • It's a relief because you're not talking

  • in these vagaries, where you don't

  • want to step on their toes.

  • And they don't want to--

  • I just moved into a new apartment.

  • And everyone has been so nervous to ask the question, what

  • are you paying for the place?

  • Yeah.

  • I was asked it at lunch when I was

  • talking about your apartment.

  • And I was like, I'll let Ryan answer.

  • Well, the entire world would like to know.

  • Our new apartment is 2.89 K a month,

  • which is under budget for what we feasibly

  • could pay, but over budget for what we were hoping for.

  • But to just have that number out,

  • then someone knows the reality of what you're dealing with

  • and what it would cost to live where you live.

  • And if you got a deal, if you can talk to your--

  • some co-workers are going to be uncomfortable.

  • But if you can talk to people in your industry,

  • you can talk to family members about your raw numbers,

  • then people know what's feasible for you.

  • They can compare and know what they should be asking.

  • The big thing with freelancers-- we both work in media--

  • is they don't want you to talk to each other

  • and say what the rates are because the biggest,

  • oldest magazine brands are the best

  • at low-balling you and making sure you

  • have no contact with anyone else that works there.

  • And having five people on their roster that they pay,

  • like, $7 a word.

  • I-- it's--

  • I feel like the worst part, too, about people not feeling

  • like they can talk to each other about money

  • is that, to this end, all it does

  • is further consolidate the power in a few people's hands.

  • And even-- whether it's what you pay for rent or what you paid

  • for your house or your salary or your net worth,

  • whatever the number may be, the more people who are--

  • I'm not certainly not putting us in an oppressed class.

  • Mm-mm.

  • But no matter what the kind of number

  • you're talking about financially,

  • the more numbers we have about each other,

  • the more it really diffuses that leverage

  • and diffuses the power.

  • I'm curious what you're most excited to talk about

  • on the show.

  • I think I'm really excited to put together

  • a larger theme of two things.

  • One, the amount of luck that is--

  • most people's lives are 90% luck because you

  • didn't get hit by a car, and you didn't get cancer,

  • and you didn't get struck by lightning.

  • And you were born where you were born.

  • You were born within the vicinity

  • of a higher-learning education scenario

  • and that you could afford, through loans or something

  • else, and you're able-bodied.

  • And there's a lot of luck.

  • And I think that's going to be a theme that

  • emerges when we talk to successful people,

  • that they can show up.

  • They can be the right place at the right time, which is luck.

  • But they can also work really hard.

  • But that to get there, it's sort of like the thing

  • where people say self-made.

  • But you use the roads that we all paid for.

  • And you--

  • I hate that term.

  • But also, the other thing I really, really, really

  • can't wait to talk to people about is

  • I love knowing what people splurge on,

  • because I don't think--

  • I think, obviously, for some people,

  • it is a bad habit that they shouldn't have.

  • But for other people, it lets you know their priorities.

  • Some people splurge on Broadway tickets because they truly--

  • that experience gives them a creative push,

  • or it's their big outlet.

  • And I would love to see if people splurge

  • on investing, if people surge on family,

  • if people splurge on recreation, creativity.

  • I always like to know that because I know where I splurge.

  • And I always feel guilty about it,

  • even though I know the reasons why I spend more on something

  • or less on something.

  • And I wanted a little picture into other people's minds

  • so that we all can be more comfortable with the fact

  • that sometimes you roll up to Starbucks, and you drop $20,

  • and you're like, I don't care.

  • What the hell are you buying for $20 at Starbucks?

  • You get that grilled cheese sandwich.

  • Oh!

  • You get yourself a trenta Refresher.

  • Oh, right!

  • This is like we're getting a peek into his order.

  • Well, speaking of splurges, that actually

  • happens to be one of our rapid-fire questions.

  • Oh, yes!

  • Look at that transition.

  • We have to do like, (SINGING) rapid fire. (SPEAKING)

  • We have to get some sort of liked

  • so these are questions for you guys

  • that we're going to be asking to all of our guests

  • at the end of our show to kind of just

  • get to know them a little bit better in a sort

  • of off-the-cuff fashion.

  • And something that you can compare guest to guest.

  • Exactly.

  • So I'd love to hear from Ryan.

  • Number one, what is the big financial secret

  • of your industry?

  • As a digital creator and as a comedian,

  • the big financial secret is that most people aren't

  • being paid for the first half of their career enough

  • to live, especially in comedy or the performing arts,

  • but even in digital content.

  • Everybody you see, even when they've broken big--

  • we see an actor who suddenly is on a television show--

  • they're not getting paid anything.

  • You see a pop star the first two years,

  • they are getting paid certainly a living wage,

  • but those Pussycat Dolls were sleeping

  • on the couch between tours because they

  • couldn't afford apartments.

  • And I think even when you go down lower level--

  • obviously I'm not a Pussycat Doll.

  • That we know of.

  • That we know yet.

  • Robin could give me a call.

  • Nicole-- but even lower down, you see some BuzzFeed writers,

  • and you think, wow, they've got 50,000 followers.

  • Wow, look at them.

  • A book deal is usually the first time

  • those people see a small chunk of change.

  • And that's an advance, that you're not going

  • to get paid for a long time.

  • And that is a huge privilege.

  • The fact that I both had physically

  • didn't have a ton of medical needs

  • in the early part of my life, that my fiancee could

  • help support me, that I happened to find jobs that

  • were compatible with what I wanted to do as my passion

  • career was incredibly lucky.

  • But I was paid nothing until the last few years.

  • And I think that's the case for most people.

  • And so most of those people are going to come from privilege.

  • Most of those people are going to come

  • from lucky circumstances.

  • And it's not a meritocracy.

  • And not everybody with 100,000 Twitter followers,

  • even if they're a journalist, is the best journalist.

  • Oh, this is a good opportunity to share some numbers

  • for context, the TFT book.

  • So we had an interesting situation with that

  • because it went to a publisher, and then

  • that publisher went under and got

  • bought by another publisher.

  • But all told, our advance, we ended up

  • receiving about $65,000.

  • And obviously, at that time, we were still

  • a business so that just went into the business pot.

  • The book has sold very, very well.

  • It's in, like, its fifth or sixth printing.

  • So we do receive royalty checks, which is

  • extremely unusual for a book.

  • Most books never earn out their advances.

  • But so keep in mind, $65 grand-ish

  • is what we got all told for the advance part of it.

  • And so that would be like realistically

  • like a person's yearly salary.

  • It wasn't an individual, so I didn't just pocket that.

  • But that's what that was.

  • And then for a book that is like selling,

  • selling, selling-- we're still two years later

  • on the Indie Best Seller list.

  • We receive from royalty checks and when it gets

  • sold in other countries, on average, between $10,000

  • and $20,000 every half year.

  • So all told, a book that is selling about as

  • well as most books could expect to sell

  • is not making a living wage for a person.

  • Nope.

  • So you can only put that into context

  • with people whose books are doing meh.

  • And even a book that just squeaks by earning out

  • its advance is still a success.

  • Most book do not.

  • Huge.

  • To be in the phase of earning royalties is not unheard of,

  • but it's rare.

  • And even then, the royalties are not much money.

  • So--

  • And you look at some of these people who

  • have the biggest podcasts.

  • Like, I have a friend who is the biggest

  • podcast in a certain genre of entertainment.

  • And I know for a fact that she's not making a living wage on it

  • and that even with ad sales, with brand partnerships,

  • it's not killing the game.

  • And it can be frustrating for her

  • because there are a lot of expectations

  • placed on her in regards to the show by the listeners.

  • And she's like, I wish I could, but I

  • have to have two other jobs.

  • And so, yeah, I think the big secret

  • would be that most people aren't being paid a living wage.

  • And when they are, it's been after a long, long period

  • of not.

  • Also, that bro-y male comedians are

  • bitchier than a bunch of middle-school girls.

  • They are-- it's unbelievable.

  • Every comedian has the same personality disorder,

  • myself included, which was like I didn't feel my parents paid

  • enough attention to me.

  • And now I will make all of you.

  • What do you invest in versus what are you cheap about?

  • Cheap about, I will say, is I do not indulge in Ubers or Lyfts.

  • I do not indulge in delivery food

  • that is not being expensed.

  • I don't indulge in--

  • these are some of the convenience stuff

  • that I, for myself, personally, know that a little goes

  • a long way for me, and that if I was to start abusing it,

  • I would stop cooking.

  • I would start eating worse.

  • Even stuff like my laundry, I do have

  • that picked up and delivered.

  • But for dry cleaning, I make sure to go out once a week

  • and do it.

  • Just those little things, it adds up really fast.

  • But also it forces me to go on a little walk once every

  • Saturday and talk to the person who's doing my dry cleaning.

  • When I know that I am not Amazon Priming regularly things

  • to my office, it helps to keep me

  • from making purchases I wouldn't otherwise make.

  • The convenience is a barrier.

  • The inconvenience of having to go to a retail store, plan

  • after work that I'm going to do it,

  • make sure the store has what I need,

  • that wall keeps me from making lots of purchases.

  • Like, when you've had a couple glasses of wine,

  • and it's 2:00 AM, you just got to the end of Succession,

  • and you're like, if I owned a Bluetooth

  • keyboard in the shape of a typewriter,

  • I'd write my own Succession.

  • You should, in the harsh light of day,

  • decide on your purchases.

  • And so stuff like that, Seamless,

  • those are things those are tools that I use in emergency

  • situations or--

  • But you're cheap about generally.

  • But I'm not going to--

  • I'm not getting in the habit.

  • What do you invest in?

  • What I invest in, I always invest in tech.

  • My job is digital focused.

  • Anything I can do to save time, anything

  • I can do to make my content more polished and faster--

  • I am an editor at a tech magazine.

  • So I do have the benefit of being up to date

  • on what the best purchases are.

  • So you guys poach the end gadget guy.

  • Mark's going to be beside himself.

  • Yeah.

  • Well, he's got a new favorite website, inputmag.com,

  • by the way, plug for me.

  • I put my money in tech because I know

  • that when it's time to render a video,

  • I can do it really fast and in the best possible product.

  • And anything that helps me get my work done faster and makes

  • work more seamless, anything that makes it

  • so that my ideas can come to fruition faster and easier,

  • means I can do more work, do better work,

  • and get home faster.

  • And so I'm fine with buying a new laptop.

  • I'm fine with buying the latest phone.

  • Because if I can take a picture with my phone camera

  • and not have to carry a DSLR with me,

  • I'm more likely to take a good picture for my work.

  • What has been your best investment and why?

  • I think my best investment was probably moving to New York.

  • Aw.

  • We saved up quite a fair bit amount of money right

  • after college.

  • We paid a lot of money upfront for our apartment.

  • And we didn't make any money for three or four months.

  • And we said, at the end of this, if we're not

  • able to pay our rent, we're not putting it on a credit card.

  • We're not hitting our parents up.

  • And it was a chance that we took on ourselves.

  • And it was the most money I'd ever

  • spent out of pocket in my life, certainly didn't have any plan.

  • But I'm glad that I came here.

  • I'm glad I believed in myself.

  • And I'm glad that I knew that there was a stop

  • clock because it made me make a compromise and say,

  • this isn't the dream job.

  • I didn't walk in and say, I'd like

  • to star in a television show and have someone be like, sure!

  • But I was able to say, OK, I've got a bunch of podcasting

  • gigs lined up.

  • I'm going to help out at this copywriting place.

  • And I'll do freelance writing.

  • And I'm going to break even.

  • And that was a great way for me to just start.

  • That's the other thing.

  • When you've invested in something,

  • you have to know what you're getting out of it.

  • And what I was getting out of it was a stop clock

  • and an incentive to stay where I was and to believe in myself.

  • And I knew that I was prepared to lose it

  • if it didn't work out, and that I was prepared to not--

  • there's a sense of gambling with any investment,

  • even if it's just, like, I'm investing in a new car

  • because I want to do Uber.

  • There's a sense of gambling there.

  • Even if you have a plan, something can happen.

  • And you have to be fully prepared

  • for it just go to zero and not to keep digging in deeper.

  • If you go to a casino, you bring $200.

  • You're going to have a fun night to just do some slots,

  • have a couple of drinks.

  • Can't go to the ATM machine.

  • You can't start whipping out the credit card.

  • You have to know that it was a silly investment that you

  • were willing to lose.

  • And you're fine.

  • I was willing to lose it all.

  • But I wanted to live in New York City,

  • and I wanted to pursue my dream.

  • And I wanted to say I did it, and thankfully it worked out.

  • But if it hadn't, I would have licked my wounds,

  • gone home, and been like, mom, make me some breakfast.

  • I've got to come up with a new plan.

  • What has been your biggest money mistake and why?

  • College.

  • College was my biggest money mistake.

  • I bet you I lost more.

  • My parents didn't--

  • Where did you go?

  • I went to Marist College in Poughkeepsie.

  • In your face, Marist College.

  • I went to Marist.

  • And then I went to a year abroad,

  • which was great and wonderful.

  • And of course, that college is where I met

  • my fiance, soon-to-be husband.

  • And you can't put a price tag on that.

  • No, you can't.

  • But I went to college for English

  • with a theater concentration and radio, TV, film,

  • which not telling you not to do it,

  • but if you want to be a performer, go perform.

  • If you want to be a comedian, it's

  • time to do stand-up comedy and improv

  • and hit the ground running.

  • Going there as an insurance policy was creating a net

  • I didn't want to use, to be an English teacher or something.

  • And radio, TV, film, that was a really bad time for me

  • to go to school for that because the whole industry changed

  • with digital platforms, with consumer electronics basically

  • replacing most pro AV equipment.

  • I learned all of the applications

  • I used day to day by pirating them and then using

  • YouTube tutorials and then making enough money to buy

  • the real version.

  • And everything that I learned to use there

  • is obsolete or highly technical for people

  • who work in local news.

  • And that wasn't what I wanted to do.

  • So I went into an incredible amount of debt

  • because my parents, they're firmly middle class now,

  • possibly even upper-middle class, depending on the year.

  • But they came from really nothing.

  • And by the time that was for me to go to school,

  • there was a lot of loans.

  • And I thankfully recently paid them off.

  • Woo-hoo!

  • Which sucked.

  • But I could have really done with all of that money,

  • and I could have done more with those four years at the time.

  • And I would have learned more, frankly,

  • if I had just started working.

  • But I didn't know anybody in those industries

  • who'd succeeded.

  • And I didn't have really good advice.

  • My guidance counselors on Long Island,

  • they knew nothing about what I wanted to do.

  • And instead of asking, directly reaching out to my heroes,

  • which a lot of the time still email you back and give you

  • the advice you were asking for, as long as you

  • don't say pick your brain--

  • never say that phrase.

  • Unless it's with a pickaxe, and it's a threat.

  • In which case, I've heard a podcast about you.

  • That was a really bad idea.

  • And every day.

  • I wish I hadn't done it.

  • I have nothing else to say.

  • Going to a city I didn't want to live in to study something

  • that they couldn't teach me at a private college price

  • was a mistake.

  • Yeah, man, I have no degree.

  • Zero regrets about that.

  • Not having student debt rules.

  • Oh, I should also say I left with one credit left

  • before my formal graduation.

  • Hilarious.

  • That is hilarious.

  • Also, honestly, if I wish I had studied anything,

  • it would've been, like, accounting or something.

  • Because, by far, the hardest thing to learn in my job

  • has been learning just like the ins and outs of running

  • a business, which I don't have to make this plug,

  • but QuickBooks actually genuinely makes

  • it a lot easier.

  • So shoutout to Quickbooks.

  • I used to do it all in an Excel spreadsheet.

  • Ooh!

  • Ooh!

  • Trust me, when you have 800 line items,

  • that Excel sheet is no fun.

  • [CLEARS THROAT] What is your biggest current money

  • insecurity?

  • My biggest current money insecurity

  • is probably my parents and my fiance's parents

  • are getting older.

  • My parents have a little bit more of a retirement plan

  • set up and better benefits.

  • But it's really hard because you can

  • work your whole life, full time, very hard,

  • and circumstances can screw you.

  • And you can have plans.

  • You can have saved.

  • But not every crisis is avoidable.

  • And I know that soon there will come a time,

  • that if we don't have a kid within a certain window,

  • financially, with his parents, I'm not sure--

  • between his parents and other family members,

  • I'm not sure that I'm going to have the money to have a child.

  • Because being queer means that you have to adopt, and adopting

  • is very, very difficult and expensive.

  • That's something also that they don't tell you.

  • Yeah, you can have kids.

  • You can be the modern family dream.

  • But other people can make their kids at home

  • with this little science project called nighttime.

  • We are trying.

  • But it hasn't worked yet.

  • Oh.

  • Trying multiple times a week.

  • But so my insecurity is going forward,

  • being able to take care of my whole family

  • and achieving that, making my own family in the future.

  • It's going to be hard.

  • But I'm working towards it, and that is my ends.

  • What has been the financial habit

  • that has helped you the most?

  • I would say building in savings from the initial idea

  • of what I'm getting paid.

  • As a freelancer, it's really easy to be like,

  • I have $4,000 coming in, and nothing's coming in two months,

  • and I know what I want to buy.

  • But if you can philosophically say to yourself, actually

  • $3,200 coming in not $4,000, and you put that money away,

  • like, gone, like, you don't have a card,

  • that it acts as your savings account

  • unless you're at your physical bank, that

  • is very, very helpful.

  • And especially because I run a lot of my business

  • through an LLC, I try not to touch that money

  • as much as possible.

  • So it means that a lot of my money

  • ends up locked in CDs and stuff.

  • But I know that I physically can't touch it.

  • Because I know myself.

  • I will always find a reason that I

  • need that money right now to buy this thing or do this thing

  • or, oh, I'll pay it back.

  • I can definitely, in my mind, borrow from Peter

  • to pay Paul really quickly.

  • So getting in the practice of knowing that my salary

  • isn't x-- it's y--

  • and that that money, I'm thinking of it

  • as benefits or as money already spent on being saved,

  • that has changed everything philosophically.

  • Because otherwise then I'm like, but it's mine, and I made.

  • Last question, when did you first feel successful?

  • And what does that word mean to you?

  • There were two moments recently.

  • I will say-- you gave me a question for one,

  • and I'm going to give you three.

  • The first time I saw my name in the credits of a TV show,

  • I thought, I did that.

  • I was there.

  • And now when people look this up in the future on whatever

  • Net-Disney-Flick-mazon that we're all only streaming from,

  • they'll say--

  • Peacock.

  • They'll be like, Ryan Houlihan was an assistant.

  • That's adorable.

  • I was in a theater at the premiere.

  • And I saw that, and I was like, [SQUEAKY SOUND]..

  • That was a moment.

  • And then recently, I worked on two projects, one of which

  • is this, that have been a long time in the making.

  • And to see something go from idea

  • to not falling apart or fading or becoming

  • another version of a thing, but to be executing

  • on exactly what we were like, let's do that, that, and when

  • I sat down on my first day as a formal editor with, like,

  • benefits and people that worked for me,

  • and my creative vision was what we were going to execute on,

  • I was like, this is it.

  • This is what I wanted.

  • I wasn't coming in and being told what

  • someone else wanted me to make.

  • I was able to be like--

  • or wasn't I do a bunch of podcasts

  • that they're mainly other people hosting them.

  • It was like, I want us to write about this.

  • I think is really important.

  • And I want this person to write it.

  • And I'm going to pay them this amount of money, which is fair.

  • And I was like, damn.

  • I was like, I am Miranda Priestly up in here.

  • And what does successful mean?

  • What does the word mean?

  • Successful, to me, means both stability,

  • knowing that you have a ground beneath you,

  • that you can have successes.

  • But actually successful means that you're not--

  • the bottom isn't going to fall out on something you're doing.

  • Also, it is being able to look at something with even

  • 80% creative satisfaction.

  • As a creative, as somebody that really

  • has a lot of passion for what I make,

  • you have really high standards for yourself.

  • And you have really high standards

  • because you compare yourself to other people's work.

  • And you don't want to copy them, but you want

  • it to be as good as theirs.

  • And you want to be proud enough to show it to people.

  • And you can beat yourself up.

  • And especially someone as a performer,

  • you face a ton of rejection.

  • That is basically the number-one part of the job.

  • You have to love to do stand-up.

  • You have to love that a crowd of people is looking at you

  • and being like, that's not funny.

  • And you have to be like, yes, it is.

  • Y'all suck.

  • Whatever, not my crowd.

  • To look at something I'm making, see it

  • the way I want it to be made, and to know that it's good,

  • to know that feeling, that pit in your stomach, where you're

  • like I would defend this.

  • I would defend this even if my favorite person

  • said they hated it.

  • Well, I totally agree.

  • And I feel very successful that we're making this show.

  • Yeah!

  • Yay.

  • High five.

  • Thank you so much for joining me on this inaugural episode.

  • It is incredibly exciting.

  • We are so excited to share this show with you guys

  • and talk about money with so many people.

  • So of course, we'll be seeing you imminently.

  • But where else can people find you, if not

  • on The Financial Confessions?

  • So if you would like to follow me on the internet,

  • I am @RyanHoulihan on Instagram and Twitter.

  • Inputmag.com will be coming to an internet near you soon.

  • And yeah, you'll be able to find me here every week,

  • chiming in, controlling levels, hanging out.

  • He has a little GoPro camera and a little tiny ring light.

  • It's the most amazing setup.

  • Oh, well, daddy's got to look good, so.

  • He's got the beauty influencer setup a little bit.

  • Well, anyway, thank you so much.

  • Yeah.

  • And we'll see you next week.

  • And we'll see you next week as well.

  • And of course, an enormous thank you to our partners at Intuit.

  • As I mentioned earlier in the show,

  • if you're not familiar with Intuit,

  • you definitely know the awesome products they make.

  • Basically, it's like having a little CFO in your pocket

  • because almost every single element of your financial life,

  • except for possibly physically taking the debit card out

  • of your hand when you've had two glasses of wine

  • at 2:00 in the morning and are trying to make a dumb purchase,

  • they can help you do and do it better.

  • I personally use QuickBooks every single day

  • to manage our company's finances.

  • I use Mint on my phone to keep track of my budgeting.

  • I've used TurboTax many times, and I can confirm it absolutely

  • makes tax time way easier.

  • But basically, all of these products

  • have totally changed my financial life,

  • and I could not endorse them more.

  • If you guys want to learn more about how you can use these

  • tools to make your financial lives better and healthier

  • and way more efficient, and if you cannot wait to get started

  • on your financial journey with Intuit,

  • check out the link in our description or in the show

  • notes.

  • And there'll be everything you need

  • to get started with all of their awesome tools.

  • [ELECTRONIC MUSIC]

[ELECTRONIC MUSIC]

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A2 初級

歡迎來到《金融告白》! (Welcome to the Financial Confessions!)

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    林宜悉 發佈於 2021 年 01 月 14 日
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