[Music]

i remember the day my boss called me

into his office i was excited for this

talk

i thought finally all those nights of

working past midnight in the law firm

were going to pay off and he was going

to give me that bonus i'd been expecting

also i thought we'd talk about maternity

benefits

i was five and a half months pregnant

and just the week before i told him i

was expecting

so i walked into the office with a big

smile on my face

sat down

and my smile soon turned to shock

instead of that bonus or generous

maternity benefit

i got fired

i never saw it coming

because i was so visibly pregnant i

decided i'd wait until after i gave

birth took a short maternity period and

then i would look for another job

we had some savings and my husband was a

self-employed graphic designer i thought

it would be tight

but we'd be fine

i didn't expect the floor to fall out

from under our feet again

my daughter was born in late august of

2008

within a month after her birth

the markets and my retirement accounts

went into freefall my husband's graphic

design business went down by 90 percent

we'd already used most of our savings in

the previous months and now i faced a

non-existent job market

we were in a major crisis

and our

our finances were not crisis proof

in the months that followed

we went through all of our savings we

racked up over sixty thousand dollars of

credit card debt

we had to do a short sale on our house

we're borrowing from our kids bank

accounts

we went on food stamps

i felt like a failure

problems with money are a lot about a

lot more than inconvenience

a recent study found that people facing

major financial stressors such as

unemployment homelessness and lowered

income face a 20 times higher likelihood

of attempting suicide than those not

facing any financial strain

i found the same thing in myself

at the time i had a million dollar life

insurance policy and i was so

desperate and

stressed out about money that if i could

have found a way to get my family that

million dollars

i likely would have taken my life

i think it's only because i knew that

the life insurance company wouldn't pay

out in the case of suicide and i

couldn't think of a way to make it seem

accidental that i believe i'm alive

today

problems like the ones my f my family

and i face are sadly far too common

on average americans are going to face

four such financial shocks in their

lifetimes and this shock like a divorce

or unemployment or

a global pandemic

can set a family or person who seem to

be on firm financial footing right into

the quicksand

i've been working with women around

money and investing for over 10 years

and data from my research shows that

most people are actually nowhere near

having firm financial footing

four out of ten people

can't cover a four hundred dollar

emergency and six out of ten people

can't cover a one thousand dollar

emergency

that means that

one crisis one

broken down car one accident one

diagnosis

one pink slip

can set a family into financial

devastation homelessness or bankruptcy

and it's

worse for women than it is for men

women already tend to get paid less for

the same work that men do

they're more likely to lose years of

career peak career growth taking care of

kids or aging family members

so that means that

when things happen they're more likely

to be fired first and they're less

likely to have the savings and

investments necessary to weather the

storms

and the sad fact is that even men and

women with

good jobs can be still very financially

vulnerable

and the lessons that most of us are

culturally taught about money keep us

financially unsafe

most of us are taught

go to school get a diploma

get the best job you can

buy a house put some money in the bank

get a car you'll be fine you'll be

secure

did you get that message

i did i was following the plan

i went to an ivy league law school i was

making six but making six figures

working on the partnership track of a

law firm and yet i still found myself

and my family on foot stamps

i'm a seeker and i'm a learner

and i knew that i was in a life-or-death

situation and i had to figure this money

thing out

so i started

reading all the books i could about

money and investing i took courses on

finances i worked with financial

professionals i even became a certified

money mastery coach

and i learned then and have been

implementing ever since the keys to true

financial stability

how to create crisis proof finances

so how do you create crisis proof

finances

it's very different from what we're

taught that some magical job with

benefits is going to keep us safe and

secure i like to think of financial

stability as a table

our streams of income streams of income

are the legs of that table

but most of us are taught to put

only one leg under our table our job

so what happens if you can't work or you

get fired there goes your leg and your

table comes crashing down

to have true crisis-proof finances

you need multiple legs under your table

enough legs so that if you lose a leg

your table stays steady

and your table stays firm

so

how do you create those legs on your

table

one way the way most of us are taught is

to get a job

that's active income you get paid for

your activity

if you're self-employed and your clients

pay you for your time that's active

income too

you're trading your time for money

i've had people tell me you know i have

multiple legs under my table i have

three jobs

and that is a more stable table if you

lose a job you still have others

but

if you can't work for some reason

because you're sick you're taking care

of loved ones

then your table comes crashing down

to have true crisis-proof finances

most of the legs of your table

need to be based on passive income

that's income you don't have to trade

your time and effort for

so passive income

can be

can take some time and effort on the

front end to set up but once you set it

up

it will keep coming for you

whether you are

working another job you're sleeping or

you're on vacation

and if you have enough

passive streams of income that it equals

or exceeds your expenses

at that point you have financial freedom

then you are working because you want to

not because you have to

so

how do you create those legs of passive

income

one way

my favorite way

is through real estate

luckily even back in 2008 my husband and

i had a couple of investment properties

we live in los angeles which is a very

expensive market

and

it's hard to cash flow no cash flow no

legs

in fact we had some negative cash flow

that means it cost us money every month

to own

we weren't educated we didn't know

better

but that real estate still helped us

because one of our properties had equity

we were able to sell that and we use

that money to

pay off our debts and also to reinvest

in real estate we started flipping

houses back when houses were on sale

after the last crash and then we

we bought and we

started creating passive income through

buying and holding

once you have a property and you put in

a tenant after expenses what you have

left is cash flow money that comes in

every month without you having to work

for it

since then we've invested heavily in

real estate and have learned strategies

to bring groups of investors together to

purchase larger properties we have

commercial and residential properties

across 10 states

and have income coming in from over a

thousand rental doors

as you can imagine that makes for a very

steady table

and since then i've started teaching

women how to create passive income

through real estate investing

my mission is to help one million women

create financial freedom through real

estate

it is one of my greatest joys now when

one of my students

acquires a property

and puts another leg under her table

another way to create passive income

is through intellectual property

intellectual property are creations of

the mind such as inventions artistic

creations music

films books

i have created books and courses that

i created once and continue to pay me my

son is an actor and a musician so every

time people watch his films or stream

his songs

he gets paid

you can create passive income by

by creating a

by writing a book or creating a song

or creating a patent you create it once

but you'll continue to profit again and

again

another way to create passive income is

through having a business

a business is different from being

self-employed

a business will work without you let's

say for example you own a car wash you

don't personally have to wash and vacuum

every car for that business to give you

money you hire and train employees so

you can be getting income

without having to do the work for it

you can also in get passive income

streams through

investing in stocks and bonds but

remember what really helps your legs is

cash flow

so invest in dividend paying stocks

stocks that pay you regularly

so how do you get started

i suggest that you take 10 or more of

every dollar you earn and you pay

yourself first

take that money to invest in things like

real estate and stocks to start creating

those streams for you

and

get educated because

a lot of the ways of creating income

don't require any money at all

i know a lot of people won't even

consider real estate because they assume

mistakenly that you need to have tens of

thousands of dollars or more to even get

in the game

i want everyone to know

that with the right education and

strategies and a little elbow grease

you can get into even real estate with

little to no money

and it's important that you start

now to create those legs because life is

full

of the unexpected

and you'll have enough stress to deal

with when these crises show up that you

don't also want to have to deal with

your table crashing down on you

i'm so grateful that now i've created a

very steady table and we've achieved

financial freedom

i want the same for you

so start creating that those

crisis-proof finances now

and know that whatever life throws at

you at least you'll know your money and

your finances

are handled

thank you

[Music]

{{}}

[音乐]

我记得那天我的老板把我

叫到他的办公室我对这次谈话感到很兴奋

我想最后

在律师事务所工作超过午夜的所有夜晚

都会得到回报，他

会给我那笔奖金我 我也一直在期待

我想我们会谈论生育

福利

我怀孕五个半月了，

就在我告诉他我怀孕的前一周，

所以我带着灿烂的笑容走进办公室

坐下来

，我的微笑 很快就变成了震惊，

而不是那笔奖金或丰厚的

产假福利

我被解雇

了 我从未预见到它的到来，

因为我怀孕得太明显了

我决定等到

生完孩子后 短暂的产假，

然后再找另一份工作

我们有一些积蓄，我丈夫是一名

个体经营的平面设计师，我认为

这会很紧张，

但我们会没事的

我没想到地板

又从我们脚下掉下来了

我的女儿在 2008 年 8 月下旬出生

在她 b 之后的一个月内

市场和我的退休账户

自由落体 我丈夫的平面

设计业务下降了 90%

我们在前几个月已经用掉了大部分积蓄

现在我面临着一个

不存在的就业市场

我们正处于一场重大危机

中 在接下来的几个月里，

我们的财务状况并没有危机证明

我们耗尽了所有的积蓄我们

积累了超过六万美元的

信用卡债务

我们不得不卖空

我们从孩子银行账户借来的房子

我们 继续领取食品券

我觉得

金钱方面的问题

不仅仅是

不便，最近的一项研究发现，面临

失业、无家可归和

收入下降等重大经济压力的人面临

自杀未遂的可能性是其他人的 20 倍

面对任何财务压力

，当我拥有一百万美元的

人寿保险单时，我在自己身上发现了同样的事情，我非常

绝望，

对我感到压力很大 如果我

能找到一种方法让我的家人得到那

百万美元，

我可能会夺走我的生命

想办法

让我相信我

今天

还活着

看起来很偶然 就像离婚

、失业

或全球流行病一样，

可能会让一个看似财务状况稳固的家庭或个人

陷入流沙之中。

我与女性一起围绕

金钱和投资工作了 10 多年

，我的研究数据表明，

大多数 人们实际上离

拥有稳固的财务基础还很遥远

抛锚的汽车 一次事故 一次

诊断

一张粉红单

可能使一个家庭陷入财务

困境 无家可归或破产

，这

对女性来说

比对男性更糟 失去多年的

职业生涯高峰 照顾

孩子或年迈的家庭

成员，这意味着

当事情发生时，他们更有可能

首先被解雇，而且他们不太

可能拥有度过

风暴

和 可悲的事实是，即使是

有

好工作的男人和女人在经济上仍然很

脆弱

买房 把钱存入

银行 买辆车 你会没事的 你会

安全的

你有没有收到

我的信息 我按照

计划去了 常春藤盟校

法学院 六，但

在一家律师事务所的合伙人轨道上工作时赚了六位数

，但我仍然发现自己

和我的家人脚踏实地

情况，我必须弄清楚这笔钱的

事情，

所以我开始

阅读所有

关于金钱和投资

的书 既然真正的金融稳定的关键

如何创建防危机的财务

那么你如何创建防危机的

财务

这与我们所学到的非常不同的是

，一些

有好处的神奇工作将保证我们的

安全我喜欢考虑财务

稳定性作为一张桌子

我们的收入流 收入流

是那张桌子的腿，

但我们大多数人都被教导

在我们的工作中只把一条腿放在桌子下面，

所以如果你不能工作或者你

在那里被解雇会发生什么 s 你的腿和你的

桌子都倒塌了

才能拥有真正的防危机财务

你需要在桌子下面多条腿

表

我们大多数人被教导的一种方式

是获得一份

有收入的工作

如果你是个体经营者，你的活动会获得报酬，而你的客户

会为你的时间付钱，这也是你的时间，这也是积极的

收入

钱

我有人告诉我你知道

我的桌子底下有多条腿

生病了，你要

照顾亲人，

然后你的桌子就会倒塌，

才能拥有真正的防危机财务

因为

这样的被动收入

可以是

可以的 在前端需要一些时间和精力

来进行设置，但是一旦

设置好

，

无论您是

在做另一份工作、睡觉还是

度假，

以及如果您有足够的

被动收入流 它等于

或超过你的支出

，那时你有财务自由

然后你工作是因为你

不想因为你必须

这样

做所以你如何创造被动

收入的

一种方式

我最喜欢的方式

是通过房地产

幸运地甚至早在 2008 年 我和

我丈夫有几处投资房产，

我们住在洛杉矶，这是一个非常

昂贵的市场

，

很难现金流出没有现金流没有

腿事实上我们有一些负现金流

，这意味着我们每个月

都要花钱拥有

我们没有受过教育，我们不知道

更好，

但房地产仍然对我们有帮助，因为我们的

一处房产拥有

我们能够出售的股权，我们用

这笔钱来

偿还债务并再投资

于房地产 上次崩盘后

房屋出售时，我们开始将房屋

倒卖，然后

我们购买并

开始通过

购买和持有来创造被动

收入

从那时起，我们在

房地产上进行了大量投资，并学会

了将投资者群体聚集在一起

购买更大的房产的策略，我们在 10 个州拥有

商业和住宅房产

，

并且有收入 从

一千多个出租门

中，您可以想象得到一张非常

稳定的桌子

，从那时起，我开始教

女性如何通过房地产投资创造被动收入

我的使命是帮助 100 万女性

通过房地产创造财务自由

现在是我最大的乐趣

之一，因为我的一个学生

获得了财产

并在她的桌子下放了另一条腿，这是

另一种方式来创造

通过知识产权获得被动收入

知识产权

是心灵的创造，例如发明 艺术

创作 音乐

电影 书籍

我创作的书籍和课程

我创作过一次并继续付钱给我 我的

儿子是演员和音乐家 所以

每次人们观看 他的电影或流媒体

他的歌曲

他得到报酬

你可以通过创作来创造被动收入

通过写书或创作歌曲

或创造专利 你创造了一次，

但你将继续一次又一次地获利

另一种创造被动收入的方式 是

通过拥有一家

企业 企业不同于

个体

经营 企业将在没有你的情况下运作

比如说你拥有一个洗车场 你

不必亲自为该企业清洗和吸尘

每辆车 给你

你租的钱 并培训员工，这样

您就可以在

无需为此工作的情况下获得收入

您也可以

通过

投资股票和债券来获得被动收入流，但是

r 记住真正帮助你的腿是

现金流

所以投资于支付股息的

股票定期支付给你的股票

所以你如何开始

我建议你从

你赚的每一美元中拿出 10 美元或更多然后你先付钱给

自己

拿这笔钱投资 像

房地产和股票这样的东西开始

为你创造这些流

并

接受教育，

因为很多创造收入的方式

根本不需要任何钱

我知道很多人甚至不会

考虑房地产，因为他们

错误地假设 你需要有

数万美元或更多才能

进入游戏

我希望每个人都知道

，通过正确的教育和

策略以及一点肘部油脂，

你甚至可以在

几乎没有钱的情况下进入房地产

，这很重要 你

现在开始创造那些腿，因为生活

充满了意想不到的

事情

，当这些危机出现时，你会有足够的压力来应对，你

也不想处理

你的标签

我很感激你，现在我已经创建了一个

非常稳定的表格，我们已经实现了

财务自由

你至少你会知道你的钱和

你的财务状况

谢谢你

[音乐]