Money Conversations with KJ

In this episode you will hear Dave talk about when he was very young around age 10 he would make some money helping his Dad in the body shop and he wanted to spend the money he earned. Dave can remember his parents not ever talking to him about what to do with money as his Dad was a spender and that was what he saw and replicated that as well. As Dave reached his 30's is when he really started to think about money so he taught his son that he should be saving his money by putting some away every month until he reaches the age of 65 and he will have a nice savings. Dave has some great advice about investing from his past experiences which is...be careful how you invest, invest in yourself and be in control of your money. Dave has had a couple of Mentors in his life and when he was about 16 years old is when he came across his first Mentor and he accepted the advice they were giving him. Dave's advice is if you don't have a Mentor, ask questions, listen to podcasts, search the internet, etc. so you are able to go down the right path. This is a great listen and lesson!

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In this episode you will hear Carlos talk about his first memory with money and he thinks back to when he was in High School. When Carlos was younger his first memory with his parents talking about money was always save, save, save...not ever talking about how to use money as a tool. Thinking back Carlos remembers his parents being spenders and in turn he became a spender as well, when money was made it was spent on items that he wanted. Carlos remembers his parents having a 401K as a way for them to save. When Carlos was very young his Dad worked 3 jobs so that his Mom was able to stay home and take care of him and his sister and because of that they hardly saw him. Carlos knew when he was thinking of getting married that he did not want to work 3 jobs so he had to figure out which path to take and developed a great work ethic. After Carlos was married and bought his first house he had a neighbor who first started talking to him about money and investing. The neighbor started inviting Carlos to events, Carlos took out a personal loan and started investing in himself, got a Mentor which changed everything at that point. Continue listening to Carlos's story and his growth with money and always learning.

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In this episode you will hear Ronnie talk about when he was young after his parents divorced his Mom went back to school and accomplished some of her goals that she had set aside. Ronnie watching both parents learned that if you work hard in life you will achieve what you want. Ronnie now with his own young kids is teaching them the value of money and you want to have your money work for you and wished someone would have taught him that same lesson. Ronnie learned at a very young age to have goals and there is sacrifice in making your goals achievable.
Ronnie is teaching his young kids to invest their money that they receive to invest in Crypto and people are very curious about that since that is something that they don't even do themselves. Continue listening how Ronnie learned about how to start building his credit after paying cash for everything until he was the age of 23. This is a great listen of what Ronnie has shared about his money journey!
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In this episode you will hear Doug talk about his early recollection with money and how he managed it. As with most people Doug was not taught by anyone what to do with the money he earned and how to spend it and thought the money was never going to go away. Doug was in the Marine Corp from the time he was 17 years old until the time he was 24 years old and he discovered he wanted to go to school. Doug figured out how to go to school for Civil Engineering but he was also paying all his bills and not having any money left. Doug actually figured out how money works just a few years ago and that we all live in a debt society and he was used to working within that without even thinking about it. Doug realizes that if he would have known what he knows now 40 years ago he would be comfortably retired by now. Doug started making money when he was 13 years old and has always worked since due to his good work ethic but now what he is doing is realizing the value of money and what money has and he believes that that has changed a lot in our society especially in our recent past. This is a great listen of what Doug has shared about his money journey!
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Listen as Dave talks about his Mom's tradition with money being born and raised in Mexico and how that helped Dave, as he was born and raised in Los Angeles. Dave explains how it affected his mindset with money and also Dave walks you through how he handles credit/debt, utilizing credit cards. Dave also breaks down how he is teaching his children how to responsibly use credit cards to their benefit and reap the rewards that credit cards can offer.
Although Dave's perspective on the handling of credit cards does not align with someone like Dave Ramsey who believes we should not use any credit cards or have any debt, I understand Dave's mindset is not for everyone but using credit cards responsibly can effectively grow credit and wealth.

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