The Two Hardest Things About Getting Financial Help

Kristina Hall
0:21

Well
then,
it's
time

Stoy Hall
0:29

Cool.
We've
all
been
there.
And
I
will
say
this,
the
hardest
thing
to
do
in
financial
services,
there's
two
of
them.
One,
actually
trusting
someone
and
going
to
talk
to
them,
right?
That's
step
one.
The,
the
second
hardest
is
getting
the
information
to
them.
I
used
to
be
a
huge
proponent
of
like
not
asking
for
everything
at,
at
like
all
the
documents
and
just
kind
of
piecing
it
together.
But
I
realized
it's
more
like
a
Band-Aid.
You,
you
kind
of
just
have
to,
once
you
send
them
off,
then
you,
you're
gonna
feel
better.
Plus
then
I
can
do
my
damn
job.
If
not,
then
it's
gonna
linger
on
and
linger
on
and
linger
on.
So
I'd
rather
have
you
linger
on
for
two
years
and
not
get
me
your
stuff
than
finally
do,
as
opposed
to
document
after
document,
and
it
does
take
us
two
years
to
do
so.
So
that's
what
we're
gonna
speak
about
today.
And
I'm
not
doing
this
from
a,
a
perspective
of
like,
"Yeah,
come
hire
me,"
or
any
of
that.
I'm
doing
this
from
a
perspective
because
Christina
decided
this
is
what
we
need
to
talk
about.
And
we
need
to
talk
about
it
because
she
went
through
it.
I
want
you
to
know
that
I
have
current
prospective
clients
going
through
it
right
now.
I
have
all
my
past
clients
going
through
it
right
now.
And
while
I
do
believe
that
there
is
inherently
more
angst
when
it
comes
to
women,
it
is
for
everybody
too.
But
obviously,
we're
gonna
speak
it
from
your
point
of
view
today,
Christina.
So
without
further
ado,
folks,
that's
what
we're
talking
about
today,
is
that
anxiety,
that
feeling
that
you
get
when
your
advisor
or
someone's
like,
"Hey,
can,
you
know,
give
me
all
these
documentations?"
And
you
don't
know
where
the
hell
they
are,
you
don't
know
what
the
hell
they
are,
and
now
you
do
it,
and
how
do
you
feel
afterwards?

"I Wanna Puke": Why Asking For Help Wrecks You

Stoy Hall
2:00

So
let's
start
from
the
top,
right?
Like
obviously,
again,
folks,
no,
we're
not
related.
Get
over
it,
move
on,
figure
it
out
for
yourself.
Talk
me
through
or
talk
us
all
through,
not,
you
know,
when
we
started
the
relationship,
it
was
more
about
my
business
and,
and
marketing,
but
when
you
finally
were
like,
"Hey,
you
know
what?
I
need
your
help."

Kristina Hall
2:19

Yeah.

Stoy Hall
2:19

Walk
us
through
what
was
going
on
previously
in
your
life
and
how,
uh,
I
guess
much
energy
and
shit
it
took
just
to
get
to
say
like,
"Hey,
I
do
need
your
help."

Kristina Hall
2:28

Yeah.
I
wanna
puke.
Wow.
Like,
I
literally,
like,
even
though
we've
already
been
through
it,
like,
my
stomach
is
like,
"Ugh,
this
shit
sucks."
Um,
yeah,
I
guess
let's
go
back
to
the
beginning.
I
actually
think
it's
not
even–
I
think
when
you're
thinking
about
this
kind
of
stuff,
right,
you
gotta
go
back
to
the
true
beginning.
And
that's
like
childhood
and
being
raised
a
certain
way
and,
um,
having
it
really
ingrained
in
my
head
like,
"You
can't
rely
on
anybody
else.
You
need
to,
you
know,
stand
on
your
own
two
feet,"
type
of,
type
of
vibe.
And
what
happens
with
that
narrative
is
it
becomes
really
hard
to
ask
for
help.
Um,
I
struggle
with
it
every
single
day
of
my
life.
Like,
it's
really
hard.
And
so,
you
know,
when
it
came
to,
like,
saying,
"Okay,
like,
hey,
I
need
help,"
even
though
I
didn't
step
up
to
the
plate
right
away,
right?
Um,
it
was
because
I
could
see
the
growth
in
my
business,
and
I
started
saying,
"Okay,
I
have
a
lot
of
transactions
happening.
There's
a
lot
of
mo-money
moving
through
this
business
going
in,
going
out,
and
I
have
no
fucking
clue
how
to
even
look
at
this
stuff."
And
so
it
was,
it
was
definitely
from
a
growth
factor
in
a
way
because
when
I
first
started
out,
like,
sure,
I
could
do
a
lot
of
this
stuff
on
my
own,
I
thought,
right?
Like,
I
could
do
it.
You
can't.
Like,
you
should
just
get
somebody
in
there
right
from
the
beginning
if
you
can.
Um,
but
you
know,
it
wasn't
as
overwhelming
because
I
didn't
have
as
much
happening.
But
then
when
I
really
flipped
into
this
more
of
an

When "I Can Handle It" Stops Being True

Kristina Hall
4:00

agency
and
having
contractors
and
things
like
that,
I
was
like,
"Oh,
hell
no.
I,
I
can't,
I
can't
do
this."
I
also
like,
I,
I
love
numbers,
but
not
from
a
financial
standpoint.
And
so
it
was
like,
y-you
need
help.
But
I've
talked
to
other
planners
and
accountants
and
things
like
that,
and
I
had
bad
experience
after
bad
experience.
And
so
I
was
already
on
edge
about
trying
to
let
somebody
into
my
finances
because,
hello,
who
the
fuck
wants
to
do
that?
It's
so
uncomfortable.
Um,
but
I
also
just
had
bad
experiences
with
literally
like
three
or
four
people
that
it's
like,
I
already
don't
feel
comfortable
enough
doing
this,
I'm
just
not
gonna
do
it
at
all.
And
so,
yeah,
like
that's
what
got
me
to
ask
for
help,
but
we
both
know
that.
It's
a

Stoy Hall
4:52

good
point
'cause
I
think
majority
get
to
that
point,
right?
Like,
a
business
owner
starts,
it's
small,
you
can
control
it,
you
can
handle
it.
You
think
you
know
what
you're
doing,
but
you're
also
missing
a
ton
of
shit.
Like,
like
you
don't
know
you
are,
but
you
know
you
are.
And
for
me,
from
my
experience,
I
think
it's,
it,
there's
natural
progression
of
I
can
handle
it,
I'm
good,
we're
growing
or
not
growing,
doesn't
really
matter.
And
then
you
get
to
the
stage
of,
holy
shit,
there's
more
to
this
than
I
ever
thought
there
was,
right?
We're
talking
about
insurances,
we're
talking
about
payroll,
we're
talking
about
taxes,
not
just
like
payroll
taxes,
but
your
income
tax
or
your
sales
tax
or
the
quarterlies.

Kristina Hall
5:30

Yeah.

Stoy Hall
5:30

And
then
you
got
your
insurance
is
top
to
bottom,
right?
Then
you've
got
contracts.
How
do
I
hire
people?
What's
my
process
there?
Oh
shit,
what
happens
if
I'm
sick
for
two
days?
Like
you,
you
end
up
with
like,
"Oh,
there's
a
lot
there."
And
then
you
revert
back
to
like,
"Well,
I
can
handle
this.
Like
I,
I'll
be
okay."
Yeah.
And
then
what
gets
dropped
is,
you
know,
your
books
are,
are
dirty
or
you
don't
pay
your
taxes
on
time
or
something
because
fundamentally
all
you
know
is
I
need
to
make
income
so
I
can
pay,
if
I
have
payroll,
right,

The Hole You Don't Know You're Digging

Stoy Hall
6:00

I
gotta
pay
my
people,
um,
I
gotta
keep
the
lights
on
and
I
gotta
eat.
And
then
you
end
up
just
in
that
survival
mode
of
like,
this
is
what
I
gotta
do
while
you're
digging
this
fucking
hole
that
you
weren't
aware
of
you
were
digging.
Yeah.
And
then
now
it's
so
heavy
that
your
business
may
or
may
not
be
able
to
take
that
next
step
of
growth,
right?
Yeah.
Un-
until
you've
taken
care
of
that.
Yeah.
And
there's
no
way
you
can
take
care
of
it.
And
so
then
most
people
at
that
point
are
like,
"Okay,
now
I
n-
I
do
need
help.
I
need
help."
Yeah.
And
I
think
the
problem
with
that
is,
well,
it's
not
a
problem.
It
is
a
problem,
but
the
problem
overall
isn't
necessarily
that
you
need
that
help
like
that,
is
you
are
dropping
a
lot
on
your,
your
planner
or
your
advisor.

Kristina Hall
6:44

Yep.

Stoy Hall
6:44

And
there's
not
a
lot
of
us
that
can
actually
take
on
that
and
piece
it
together
for
you
simply
without
charging
you
stupid
amounts
of
money
Or
taking
so
much
time
or
not
knowing
where
all
of
this
is
going
because
we
don't
connect
to
you
on
that
level,
right?
And
that's
why
we
do
my
marketing,
um,
and
we
focus
on
women,
minorities,
and
LGBTQ
business
owners
'cause
I
can
relate
to
them.

Kristina Hall
7:09

Yeah.

Stoy Hall
7:10

I
can
take
that
concept
or
all
that
shit
and
not
only
filter
through
it
from
a
financial
perspective,
obviously,
but
that,
that
emotional
side
where
you're
coming
from.

Kristina Hall
7:19

Yeah.

Stoy Hall
7:20

I
think
that's
why
you
probably
had
those
bad
experiences.
Obviously,
you
can
speak
more
on
that,
but
I
think
that
conversation
around
like,
oh
shit,
is
so
valid-
Yeah
and
it's
okay.

Kristina Hall
7:31

Yeah.
You

Stoy Hall
7:31

just
gotta
get
through
it.

Kristina Hall
7:33

Absolutely.
It's
funny
too
because,
you
know,
uh,
the,
the
bad
experiences,
and
I
hate
to
say
it
but
it's
true,
it
was
with
peop-
it
was
with
people
of
color
and
that
really
bothered
me
a
lot.
Um,
and
they
were
referrals
too,
and
that
was
really
tough
too
which
that's
like
a
whole
other
topic,
right?
Like
trusting
the
referrals
you
get.
Um,
but
you
know,
I
felt
like
I
was
already
going
into
a
situation
with
people
that

Bad Referrals and Advisors Who Don't See You

Kristina Hall
8:00

were
gonna
be
able
to
see
me
and
understand
me
and
things
like
that.
And,
uh,
what
I
noticed
with
them
is
they,
they
were
ve-
really
trapped
into
like
your
typical
financial-

Stoy Hall
8:10

Ugh

Kristina Hall
8:11

you
know,
that
mindset.
White
people.
It's
just
like,
if
I
can
say
it,
I'm
gonna
say
it.
You
can
edit
it
if
you
want
to.
Um,
but
it
was
true,
right?
So
there
was
like
a,
there
was
just
like
a
vibe
there
like
where
I
just
also
didn't
feel
seen,
I
didn't
feel
heard.
Like
I
just,
I
didn't
feel
like
understood
in
those
moments.
And
again,
with
money
being
such
a
sore
spot,
and
this
was
me
coming
off
of
having
a
lot
of
anxiety
around
money
for
years.
Like,
which
is
funny
'cause
I'll
take
that
stress
from
back
then
that
I
have
now
any
day,
right?
So
this
is
already
like
a
hard
subject
for
me,
a
tough
topic,
and
then
I
go
into
that.
So
yeah,
it
was,
it
was,
uh,
it
was
just,
it
wasn't
a
pleasant
experience.
And
I
don't
know
about
you
guys,
but
when
I
feel
overwhelmed
by
something,
I
tend
to
just
say
never
mind
about
doing
any
of
it.
I'm
gonna

Stoy Hall
9:02

push
it
over
here.
I'm
out.

Kristina Hall
9:03

I'm
just,
I'm
out.
Like
that's
tomorrow's
problem.
Yeah.
So-

Stoy Hall
9:07

Yeah,
and
w-
and
we've
all
seen
it
and
been
through
it,
a
lot
of
us.
Well,
at
least
I
have
'cause
it's
my
industry.
But
what
she's
speaking
about
is
advisors,
quote-unquote,
for
those
that
are
not
watching
and
just
listening
They're
the
ones
that
do
the
traditional
stuff.
"Hey,
you
need
life
insurance.
Hey,
you
need
to
invest
this
much
into
whatever,"
blah,
blah,
blah,
and
selling
you
a
product.
And
while
technically,
yeah,
considered
a
financial
advisor,
that's
not
what
people
need.
Yeah.
They
need…
And
I
think
our
industry
is
gonna
shift
to
a
new
term,
and
I
think
if
we
can
coin
that
term,
we
can
make
a
lot
of
money.
Uh,
but
we,
we've
been
shifting
to
this
financial
planning
or
holistic
planning.
You
know,
at
Black
Man
With,
we
say
modern
family
office.
Any
way
you
spin
it
is
people
need
a
right
hand,
someone
behind
them
to
protect
them
at
all
times.

Kristina Hall
9:53

Yeah.

Stoy Hall
9:54

Mm-hmm.
That's
it.
I
mean,
that's
what
it
is.
They
don't
need
that
person
to
say,
"You
should
be
investing
this
and
to
retire
at
this."
That's
cool.
I,
I
do
need
that,
but
what
I
need
is
someone
to
understand
where
I'm
coming
from,
where
I'm
at,
and
where
I
need
to
go,
and
that
isn't
an,
a
financial
number
per
se.

Kristina Hall
10:13

Yep.

Stoy Hall
10:13

That
is
getting
to
know
their
relationship
and
how
their
brain
works
and,
and
all
that
stuff.
The
problem
with
that
is
people
spin
that
off
and
say,
"Well,
that's,
that's
that,
uh,
therapy
stuff.
That's
that
lay
down
on
a
couch
and
that
type
of
therapy,"
and
there's
a
bad
connotation
around
it,
both
from
the
public,
but
also
as
an
advisor.
I
don't
wanna
learn
all
that.
That's
not
my
lane.

Kristina Hall
10:35

Yeah.

Stoy Hall
10:35

I'm
here
to
tell
you,
advisors,
it
is.
It's
absolutely
our
lane,
and
if
you're
not
doing
it
or
not
hiring
someone
like
an
Ashley
Kwame,
who's
also
part
of
our
collective,
to
handle
that,
your
business
will
be
gone
in
10
years.
It's
just
not
going
in
that
right
route.
So,
um,
I
think
that's
part
of
why
you
had
those
types
of
situations
is
because,
like,
that's
all
it
was.
It
wasn't
actually
about
you.
It
was
about
some
bullshit

I Asked For Tax Help. You Sold Me Products.

Kristina Hall
11:00

product.
Yes.
And
it's
funny
that
you
say
this
because
that,
it,
it's-
That
was
what
it
was,
right?
So
before
I
met
you,
like,
I
didn't
know
anybody
who
was
talking
to,
like,
the
emotional
piece
of
money,
right?
It's
just
always
treated
as
this
very
black
and
white
thing.
So
this
ob-
this
happened
in
2020,
right
when
I
moved
to
Florida.
So
I
met
you
pretty
m-
not
too
long
after
that,
right?
And
so
what
my
issue
was
is
I
went
to
this
man
for
tax
purposes.
I
need
help
filing
my
taxes.
That's
when
things
got,
started
getting
too
big
for
me,
and
I
was
like,
"Oh,
I
can't
do
this
on
TurboTax
by
myself.
Like,
I
need
help,"
right?
So
I
get
that
referral.
I
go
to
him.
I'm
saying,
"I
need
tax."
I'm
already
overwhelmed
as
fuck.
Bro,
why
are
you
shoving
product
after
product
after
product
at
my
throat?
I
don't
even
understand
my
fucking
books,
let
alone
a
fucking
investment
or
a
f-
uh,
like
a,
a
Roth
ROI.
Am
I
even
saying
that?
Not
ROI,
RA.
We'll
see.
ROI.
I-
You
see,
I'm
done.
IRA?
See,
this
is
my
fucking
point,
right?
Right,
I
didn't
know
shit
about
shit,
so
I'm
asking
you
for
one
thing,
and
you're
piling
a
bunch
of
other
shit
onto
me.
This
is
just
Business
101,
right?
Like,
that's
just
bad
business
practice
right
there.
Like,
I'm
asking
you
for
something,
and
you're
basically
ignoring
my
needs
to
get
me
here.
Well,
you
got
me
way
out
the
fucking
door,
my
guy,
right?
You
know?
It,
it's
frustrating.
He
did
give
me
a
really
great
referral,
though,
that
is
one
of
my
best
friends
to
this
day,
but
hey.
There's
a
winner

Stoy Hall
12:39

there.
There
is

Kristina Hall
12:40

a
win,
but
the
point
is,
it
was
like,
from
an
emotional
standpoint,
that
was
my
issue.
It,
it
was
really…
It
was
tough.
And
then
the
next
person
that
I
worked
with
was
a
referral
from
someone
we
know,
and
I,
um,
and
it
was
a
woman,
and
she
just
totally
left
me
to
the
wayside,
like
when
I
needed
help
most.
So
I
just,
I
felt
jaded
after,
right?
Like,
oh,
like
I'm
not
good
enough
to
work
with
these
people.
Like
there's
like
a
worth
thing
there,
and
then
there's
like,
you
know,
you
start
to
question
yourself
because
you're
like,
"I
don't
know
shit
about
shit."
So
it's
like,
uh,
you
know,
I
don't
know
what
I'm
doing
here,
but
yet
I'm
just
kinda
getting
pushed
to
the
wayside,
and
that
was
really
fucking
hard
to
deal
with.
I
haven't
really
talked
about
this.

Stoy Hall
13:29

No.

Kristina Hall
13:29

Yeah,

Stoy Hall
13:30

so-
So
now
we're
in
the
feels,
right?
Yeah.
Uh,
you've
been
jaded.
You're
feeling
a
certain
way.
You
don't
trust
fucking
anybody.
You
still
have
this,
though,
that
it's
heavy
'cause
you
gotta
get
shit
done.
There-
things
have
to
get
done.

Kristina Hall
13:42

Yeah.

Stoy Hall
13:42

Right?
So
IE,
we
enter
the
picture,
um,
a
little
bit.
By
the
way,
uh,
trigger
warning
for
you
and
all
the
listeners
'cause
this
part
is
probably
gonna
bring
up
some
weird
stuff
and
then
make
you
wanna
throw
up.
So
just
a
little
trigger
warning.
Okay?
So-
Now
we've
met,
and
now
o-
on

The Email That Asks For Every Damn Document

Stoy Hall
14:00

the
emotional
side,
we've
gotten
to
the
point
where
you're
like,
"Cool,
let's
do
this."
And
then
comes
that
email
that
I
send.
Well,
my
wife
sends
it
now.
And
it's
asking,
and
this
is
what
it
asks
for,
folks.
It
asks
for
two
to
three
years
tax
returns,
both
personal
and
business.
Yeah.
It
asks
for
year-to-date
bank
statements
and
the
previous
year
bank
statements.
It
asks
for
your
current
P&L
up
to
date,
plus
last
year's
P&L
up
to
date,
including
anything
that
you
have
contracts
going
on.
Then
personally,
what
credit
cards
do
we
have?
Bank
accounts,
um,
whatever
loans
are
out
there,
our
living
situation,
our
income
situation,
right?
It
asks
for
all
of
those
things
at
once.
Right.
Again,
I
told
you
folks,
I
used
to
ask
for
them
in
pieces,
then
it
took
me
forever
to
do
my
job.

Kristina Hall
14:49

Yeah.

Stoy Hall
14:50

And
now
we
ask
for
them
all
at
once,
and
it
is
a
very
heavy
list–
uh,
lift,
and
we
don't
lie
about
it.
It
sucks.
This
is
the
hardest
thing
that
you
will
have
to
do
working
with
us.
Really,
it
should
be
the
hardest
thing
you
have
to
do
working
with
anybody,
is
just
now
you're
opening
everything
up,
right?
Uh,
you
know,
what,
what
is
the
old
saying?
Lifting
your
skirt
up,
all
that
bullshit.
Like,
that's
what
you
are
doing.
We
can
see
everything
at
that
point.
There's
nothing
to
hide.
Dude,
I'm
gonna

Kristina Hall
15:13

fucking
cry
right
now

Stoy Hall
15:15

listening
to
this.
I
know.
See,
I
told
you
trigger
warning.

Kristina Hall
15:16

Oh,

Stoy Hall
15:17

fuck.
I
prepared
you
and
them
for
this.

Kristina Hall
15:19

Wow,
okay.
Don't

Stoy Hall
15:22

watch

Kristina Hall
15:23

this.

Stoy Hall
15:23

Now-
It's
really
triggering.
right,
now
y-
you're,
you're
raw
emotionally.
Now
you're
raw
because
everything
is
being
seen.

Kristina Hall
15:29

Yeah.

Stoy Hall
15:30

And
now
you're
thinking
you're
gonna
be
judged.
That's,
that's
that
piece.
That's
where
a
lot
of
this
comes
from.
And
you're
not.

Kristina Hall
15:36

Yeah.

Stoy Hall
15:36

But
you're
also
going
to
be
hopefully
held
accountable
and
stern
with
what
we're
going
to
ask
and
do,
right?
Why
this
transaction?
Why
did
you
do
it
this
way?
Why
are
these
things
occurring,
right?
And
the
reason
for
that
is
because
we
have
to
be
able
to
get
you
to
connect
your
emotions
where
you're
at
to
the
actual
moving
pieces.
Yeah.
Um,
and
that's
hard
to
do.
So
now
that
everyone
is
either
crying,
throwing
up,
or
not
listening
anymore,
talk
us
through
from
the
day
you
got
that
email
to…
And
I,
I–
we
really
should
go
back.
It
was
a
while,
folks.
Like,
uh,
it
might
be
over
a
year.
I'm
not
shitting
you.
I
really-
Oh,
it

Kristina Hall
16:14

was
for
sure
over
a
year.

Stoy Hall
16:17

We-
we're
probably
pushing
two,
but-

Kristina Hall
16:19

Yeah

Stoy Hall
16:19

definitely
over
a
year.
So
talk
us
through
when
you
first
got
that
email,
and
we
know
where
we
were
at
emotionally
to
the
two-year
timeframe
it
took
to
actually
get
all
the
documents.

Kristina Hall
16:30

Yeah.
Um,
oof,
God.
I
mean,
everything
you
said,
like,
it's
overwhelming,
one,
like
doing
that.
But
then
also,
because
the
thing
to
know
about
me
is
I
am
very
aware
of
the
situation
at
hand.
Like,
I
do
know
what's
happening,
so
I'm
not
just
like,
"Oh,
I
have
no
idea
what's
going
on."
Like,
no,
I'm,
I'm
painfully
aware.
It's
really
uncomfortable.
So
I
think
like
that
overwhelm

Two Years to Hit Send and the Breaking Point

Kristina Hall
17:00

paired
with
the,
"Oh,
fuck,
someone's
about
to
see
the
truth."
Because
everybody
has
this,
like,
misconception
and,
uh,
of
business
owners
in
general,
but
I
even
see
with
like
my
friends,
like,
"Are
you
doing
this?
Are
you
doing
that?"
I'm
like,
"Hell
yeah,
fucking
know,
bro.
What
do
you
mean?
Like,
you're
probably…
You're
making
way
more
money
probably
than
me
at
the
end
of
the
day,
right?
Overhead,
X,
Y,
Z."
And
so
it's
like,
"Oh,
fuck,
someone's
about
to
see
it.
They're
really
about
to
see
it."
And
yeah,
no.
And
it
was
a
lot.
I,
I
think
you
do
the
right
thing
by
asking.
That
makes
total
sense
to
me
asking
for
it
up
front,
but
it's
a
lot.
And
like
you
said,
it's
a
heavy
lift,
and
it
makes
you
have
to
face
yourself,
right?
And
so
yeah,
then
they're
probably
about
to,
like
at
least
a
year,
definitely
a
year,
year
and
a
half.
I
said,
"Holy
fuck,
I
can't
breathe."
And
I
literally
can't
do
this
anymore.
Like,
it
was
like,
I
either
allow
this
to
happen
or
I'm
probably
gonna
have
to
shut
the
doors
to
my
business.
And
I've
been…
God,
now
I'm
really
gonna
cry.
And
I've
been
in
business
for
a
long
time
at
this
point,
right?
Like,
I
built
this
whole
entire
brand,
this
whole
entire
reputation,
and
then
it's
like,
"Oh,
fuck,
I
might
have
to
close
the
doors
and,
like,
I
can't
do
this
anymore."
And
that's
what
it
was.
It
was
like,
if
you
don't
ask
for
help,
like,
you're
fucking
done,
bitch.
Like,
what
the
fuck?
And
like,
if
you
know
me,
like
I
don't,
I
don't
operate
like
that.
Like,
I
have
so
much
resilience
to
a
fucking
fault
that
I'm
like,
"No,
I
have
to
make
this
happen."
And
so
yeah,
it
was
like
getting
there
To
just
be
like,
okay,
like
you
literally
can't
do
this
anymore.
Like,
you
can't.
Like
I,
I,
I
remember
the
stress
that
I
had
in
the
years
of
like
2018
to
2020
around
money,
and
I
realized
how
much
it
impacted
me
from
a
health
standpoint,
from
a
relationship
standpoint,
in
so
many
different
ways.
And
again,
I
wish
I
had
that
stress
now
from
a
numbers
standpoint,
right?
And
so
after
like
moving
to
the
South
six
years
ago
and
really
working
on
my
healing
and
understanding
myself
and
all
that
shit,
I
was
like,
I
literally
can
never
let
money
overtake
me
in
that
way
again.
And
so
I
had
to
really
work
on
that
money
mindset
under-
'cause
I
don't
have
like
that
typical
like
I
don't
deserve
to
be
wealthy,
rich
people
are
bad.
Like
that's
not
my
mindset
like
at
all.
So
like
I
had
to
like
really
dig
deep,
like
what
is
going
on
here?
Like
why
do
I,
you
know,
have
this
relationship
with
money?
And
so
when
I
started
feeling
that
stress
again
come
20-
end
of
2023,
I
think
it
was,
um,
yeah,
no,
2024
maybe
actually.
I
was
like,
yeah,
no,
like
I,
I
can't
go
back
to
that
version
of
myself.
And
so
that's
why
I'm
here.
Right.
And

Stoy Hall
20:06

so
then
we,
then
we
started
doing
some
work.
In
full
disclosure,
it's
not
like
we're
out
of
the
hole
and
you
are
flying
by
making

Kristina Hall
20:12

$40K

Stoy Hall
20:12

a
month,
right?

Kristina Hall
20:13

No,
I–
this
is
why
I
wanted

Stoy Hall
20:15

to
have

Kristina Hall
20:15

this
conversation
because…
Yeah.

Stoy Hall
20:18

But
even
though
we're
doing
the
work,
now
where
are
you
emotionally
and
like
your,
your
mindset?
I
know
it's
still
uncomfortable
having
all
those
meetings
to
talk
about
money
'cause
that's
never
fun
for,
for
anyone,
although
I
geek
out
on
it
because
that's
my
fucking
job.

Kristina Hall
20:35

Yeah.

Stoy Hall
20:35

But
where
are
you
now
when
things
hit
the
fan
a
little
bit?
Because
hey,
folks,
it's
always
gonna
happen.

Kristina Hall
20:41

I'm

Stoy Hall
20:41

learning
a
lot
more
every
day.
My
business,
your
business,
one
of
those
clients.
Yeah,
exactly.
Yesterday
lost
one.
Um,
and
you
know
what
I'm
dealing
with
right
now.
So,
um,
they're
always
gonna
be
there.
Take
us
through
like
that,
not
necessarily
that
loss
of
that
client,
but
a
loss
of
a
client
now
compared
to
If
it
was
three,
four,
five,
six
years
ago

Kristina Hall
21:00

Yeah,
absolutely.
Like,
it
still
stings
from
like
a
pocket
standpoint,
right?
It's
like,
"Fuck,
I'm
gonna
go
afford
this
when
I'm
already
like
every
fucking
penny
counts,"
right?
Um,
but
it
doesn't
derail
me
in
a
way
where
I'm
like,
I
don't
even
cry
about
it
at
this
point,
which
I,
it's
like,
it's
real.
Like,
I
don't,
like
I
don't
find
myself
getting
like
all
upset
about
it.
I'm
like,
"Ah,
damn,
that
sucks."
But
it's
like
my
mindset
around
it
is,
it's
just
opening
up
doors
for
what's
ahead.
My
doors
are
not
shutting
on
this
business.
It's
not
fucking
happening.
I
am
growing,
and
I
have
had
so
much
growth
even
within
myself
as
a
l-
as
a
leader
and
as
a
marketer,
XYZ,
and
my
skill
set,
right?
And
so
now
it's
like
when
I
lose
a
client,
one,
I
usually
can
pinpoint
why
I
lost
that
client,
and
I
have
like
a
really
good
grasp
on
that.
But
two,
you
know,
I
just
look
at
it
as
like,
it's
just
area
of
opportunity
for
something
else,
and
it
always
is.
Like,
I'm
not
just
telling
myself
that
just
to
be
cute,
right?
Like
this
is
historically
this
is
what
happens,
right?
And
it
brings
in
more
or
better
aligned
clients
and
things
like
that.
So,
you
know…
But
I
think
the
biggest
thing
here
is
more
so
like,
just
how
do
I
feel
about
money
in
general
now?
And
when
it
comes
to
my
business,
like,
yeah,
I'm
still
stressed
as
fuck.
Yesterday
I
was
stressed
as
fuck
about
something.
I
was
like,
"This
is
annoying,"
but
it
doesn't
set
me
back,
right?
It
doesn't
make
me
feel
like,
oh,
I
can't
do
anything.
You
know,
like
I
don't
go
into
this
hole
or
anything
like
that,
and
that's
really
important.
Um,
and
honestly,
we're
working
on
it,
and
I
tell
myself
that
every
day.
I
am
doing
every
fucking
thing
I
possibly
can
now.
I'm
giving
you
my
shit.
We're
going
through
it.
I
do
listen
to
you.
I
actually
do.
Like,
you
know,
I
take,
like
when
we
looked
at
my
food
expense
last
month,
I'm
like,
"What
the
fuck?"
Right?
That
shit
is
repeating
in
my
head
currently.
So
it's
like,
even
though
I
still
have
honestly
the
same
stresses
around
money,
I,
I
just,
I
feel
more
taken
care
of.
I
feel
safer.
I
feel
safer,
and
that
is
a
big–
You
guys
are
a
big
reason
for
that,
right?
Because
we're
doing
everything
we
can.
This
is
why
I
run
everything
through
you
from
proposals,
pricing,
everything
possible,
right?
Because
we
have
a
grasp
on
the
picture.
And
where
before
I
felt
like,
and
I
still
have
my
days,
like,
"God,
no
matter
how
fucking
hard
I
work,
I'm
not
gonna
get
out
of
this,"
I
actually
know
it's
more
obtainable
than
it
used
to
be.
It
wasn't
ob-obtainable
before.
Like,
I
was
literally
going
to
continue
digging
myself
in
a
hole,
and
now
I
actually
am
like,
"No,
there's
light,"
and
that
light
is
actually
closer
than
I
think
And
it's
because
of
this.

Stoy Hall
23:51

And
I
think
that's
so
powerful
for
those,
and
I
should
say
I
know
it's
powerful
for
those
listening
of,
yeah,
you're
still
in
your
situation.

The Tightrope, the Safety Net, and the Spiral

Stoy Hall
24:00

It's
not
like
you
hire
us,
we
go
through
and
it's
like,
"Cool.
Ha.
We
did
it.
Let's
move
on."
Um,
no,
it's
now
time
that
the
work
is
there,
but
there's
this,
and
I
want
people
to
e-
envision
this
a
little
bit
of
when
you're
a
business
owner
specifically,
right?
We're,
we're
on
that
high
wire,
right?
Think
about,
you
know,
the
circus,
'cause
it
is
a
damn
circus.
Yeah.
It's
a
clown
show
most
days.
Um,
that
they're
on
that
tightrope
and
they're
balancing
with
that
big
ass
pole
and
they're
swinging
around,
right?
And
I'm
like,
"No
way
my
Black
ass
is
getting
up
there
to
do
that."
But
that's-
Yeah
that's
how
business
is.
We're
always
teetering
on
this
really
fine
line
of
what's
gonna
happen.
The
difference
is
working
with
us
or
someone
like
us
is
when
they
do
fall,
that,
that
there's
that
safety
net
underneath.
Yeah.
There's
that
thing
to
catch
them,
to
give
them
the
confidence
to
walk
across.

NoBS Wealth
24:47

Yeah.

Stoy Hall
24:47

And
when
you
don't
have
any
of
that,
that's
when
you
spiral.
That's
when
the
holes
happen.
That's
when
you
freeze
and
you
don't
move.
And
if
you're
stuck
up
there,
your
legs
are
gonna
give
out
at
some
point.
And
when
your
legs
give
out,
that's,
that's
it.
It's
over,
right?
Um,
and
I
think
that's
where
people
get
to,
and
that's
where
you
got
to,
is
like,
"Hey,
I,
I
can't,
I
can't
stand
any
longer.
I
can't
do
this.
I
will
literally
fall
off
this
fucking
thing
and
die."

NoBS Wealth
25:12

Yeah.

Stoy Hall
25:12

And
we
can
come
in
and
at
least
be
some
catch
net.
That
net
might
not
be
all
the
way
up
to
your
feet
yet,
but
it's
there
and
you
know
it's,
it's
not
going
away.
And
it
allows
you
to
say,
"Cool,
I
have
confidence
I
can
take
that
next
step."
Yeah.
And
it's
just
gonna
keep
allowing
more
steps.
And
guess
what,
folks?
Again,
that's
not
necessarily
a
money
situation,
right?
We're
not
talking
about,
we're
not
talking
about
numbers
right
now.
That's
not
what
we're
talking
about.
We're
talking
about
everything
that
goes
into
the
numbers.
And,
and
I
don't
care
who
you
are
or
how
successful
you
think
you
are
or
have
been,
or
you
know,
what
the
next
guru
tells
you
across
the
map,
um,
about
like
your
mindset
of
always
think
about
money
and
success
and
success
and
success.
What
goes
into
that
is
who
you
are,
what
you
care
about,
how
you
operate.
Not
what
some
book
says,
not
what
some
Joe
Blow
Schmo
says
on
TikTok.
It's
you,
and
if
you
don't
do
that
work,
you're
not
getting
out
of
your
hole.
And
I
think
that's
where
you
did
a
lot
of
work,
um,
whether
that's
on
your
own,
listening
to
people,
whatever,
you
did
your
own
internal
work
to
get
you
to
that
crossroads,
to
get
us
the
information
so
now
we,
we
can
help
you
move
forward
and
it's-
Yeah
it,
it
means
a
lot
to
me,
right?
I
know
our
relationship's
deeper
and
everyone
knows
that,
and
it's
not
like,
um…
We've
never
actually
had
this
conversation,
folks,
by
the
way.
Yeah,

Kristina Hall
26:31

I
know.

Stoy Hall
26:32

I
want
them
to
know
that.

Kristina Hall
26:33

What,
two
days
ago?

Stoy Hall
26:34

Yeah.

Kristina Hall
26:35

Totally.

Stoy Hall
26:35

Voice
No-
I'm
voice
noting
this.
Yeah.
I

Kristina Hall
26:37

was
like,
"I

Stoy Hall
26:38

got
an

Kristina Hall
26:39

idea."
It,

Stoy Hall
26:41

it,
it
means
a
lot
'cause
I
reflect
back
on
all
my
clients
and
it's
the
same
story.

Kristina Hall
26:46

Yeah.

Stoy Hall
26:47

Similar
story,
not
the
same
obviously,
'cause
we're
all
different,
but
it's
a
similar
story
and
we've
always
gone
back
and
forth
on,
on
our
marketing
with
Black
Mammoth,
um,
even
WBS
Wealth
too,
of
like
how
do
we
get
more
of
this
information
in
front
of
people?
And
we
still
haven't
figured
out
that
way,
but
I
think
something
like
this
where
you
just
say
what
it
is
and
how
it
is
and
attach
has
gotta
be
the
right
route.
Um,
now
granted,
I
think
the
algorithm
will
probably
fuck
us
anyway,
but
at
least
we're
trying
it.
Um,
I'm
gonna
get

Kristina Hall
27:17

it
done.
You
know,
and
I,
but,
and
that's
like
that,
that
was
the
whole
reason
why
I
wanted
to
record
this,
right?
Because
baby
girl,
you're
not
that
special,
right?
Like
you're
not.
Like,
and
I
think,
you
know,
you
say
like,
"Oh,
like,
you
know,
you
did
the
work
on
your
own."
Like
I
literally
am
not
somebody
who
is
gonna
go
and
like
necessarily
like,
"Let
me
see
what
this
guru
said.
I
don't
give
a
fuck."
Like
everything
for
me
is
like
very
internal
processing
and
like
understanding
myself
and
things
like
that,
and
I
just,
I
just
think
that
is
so
important.
And
because
of
that,
it's
just
made
me
realize
like,
again,
you're
not
that
special.
So
many
people
are
in
this
boat,
but
people
don't
wanna
talk
about
it.
And
it's
like
why?
Why?
Like
I've
had
a
lot
of
conversations
lately
just
like
with
like
my
fellow
colleagues.
Like
one
yesterday
was
like,
"I
literally
haven't
signed
a
client
all
year."
And
I
was
like,
"I
only
signed,
what?
Two
clients
this
year
so
far?"
I
was
like,
"Wow,
that's
crazy.
Last
year
I
only
signed
two
clients
for
the
whole
fucking
year."
Maybe
it
was
three,
but
either
way
it
was
low,
right?
And
you
see
all
these
people
on
here,
they're
like,
"Oh,
I
signed
this
many
people,
that
many
people."
That
I'm
like
it's
not
the
norm.
But
because
people,
people
want
that,
that's
the
stuff
that
you
see
more
often,
right?
But
like
this
is
the
fucking
norm
that
nobody's
talking
about,
and
we
have
to
talk
about
it.
We
just,
we
just
have
to.
I
know
that
so
many
people
are
like,
like
you
said,
not
in
the
same
boat
because
everybody's
different,
but
we're
in
the
same
boat
ultimately,
right?
We're
in
the
same
damn
boat.
We're
all
in
the
same
boat.
So
yeah.

Stoy Hall
28:56

And
it's
a
big
ass
boat
too,
like

Kristina Hall
28:58

fuck.
Oh
yeah,

Stoy Hall
28:59

the

Kristina Hall
28:59

fucking
Noah's

3 Moves to Start the Work and Just Send the Docs

Kristina Hall
29:00

Ark
over
here,
bitch.
I'm
not
religious.
Let
me
stop.

Stoy Hall
29:05

So
we
talked
a
little
bit
about
like
you
doing
your
own
self
internal-
Yeah
and
internal
work
and
stuff
and,
and
now
I
know
you
were
a
coach
at
some
point
too,
so
I'm
sure
that
had
a
lot
to
do
with
it.
Is
there
like,
I
don't
know,
give
people
three
things
or
three
steps
or
whatever
that
would
allow
them
to
take
this
conversation
and
be
like,
"Okay,
I
can
start
doing
this
internally"?
Mm-hmm.
Uh,
anything
that
you
did
specifically
or
Anything
that
could
get
them
moved
in
the
right
direction?

Kristina Hall
29:35

Yeah,
that's
like
a
really
good
question.
I
mean,
like
I,
I
do
have
like
friends
who
are
like
really
spiritual,
which
really
helps
and
like
we
dig
deep
into
this
stuff.
Um,
honestly
I
just
dumped
deep.
I,
I–
that's
really
what
it
was.
I
don't
know
how,
how
you
can
do
that,
right?
I
don't
know
how
you
can
tangibly
do
that
for
yourself.
But
for
me
it
was
like
through
meditating
and
journaling
and,
you
know,
um,
talking
with
my
own
friends
and
having
those
open
conversations.
I
think
that
right
there
is
key.
Like
have
the
fucking
conversation.
There's
gotta
be
one
person
in
your
life.
There's
gotta
be
one
person
that
you
can
feel
truly
comfortable.
And
I
have
a
friend
who
I
like
literally
one
of
my
best
friends
in
the
world.
I
felt
so
comfortable
telling
him
things
and
it
was
hard,
but
I
would
tell
him
things,
right?
And
then
I
noticed
it
with
like,
okay,
I
have
this
friend
that
maybe
I
can
have.
And
once
you
start
having
those
conversations,
you
just
realize
how
fucking
normal
this
shit
unfortunately
is.
'Cause
it
does
suck.
Um,
but
yeah,
like,
you
know,
you
have
to
figure
out
what
going
within
means
for
you.
Mine
was
through
journaling,
meditation,
and
conversations.
But
it
helped
a
lot.
Like
I,
I
can't
even
tell
you,
like
my
mindset
around
all
of
it
is
so
different
now
than
it
was.
And
I
just
think
that
is
like,
ugh,
it
makes
me
wanna
cry.
I'm
really
proud
of
myself.
I

Stoy Hall
31:00

love
it.
You
should
be
proud
of
yourself.

Kristina Hall
31:02

I

Stoy Hall
31:02

am.
I
will
say
it
in
a
different
way
that,
um,
I
don't
know
if
we've
ever
used
any
of
the
marketing,
but
you
know
what
it
is
folks?
Christina,
you
know,
all
it
is
with
the
business
stuff
that
we're
dealing
with
and
the
headaches
and
the…
It's
being
a
fucking
adult.
Like
that's
all
it
is.
It's
adulting
and
it
sucks
No
one
has
the
answers.
Everyone's
just
living.
They're
trying
to
make
the
best
of
what
they
have.

Kristina Hall
31:27

Yeah.

Stoy Hall
31:28

That's
just
adulting.
That
is
growth.
That's
development.
That's
how
life
is.
Uh,
our
generation
was
promised
something
way
different
growing
up
than
what
it
actually
is,
and
I
think
that's
part
of
the
problem.
The,
the
thing
is
we
haven't
had
these
blunt
conversations.

Kristina Hall
31:40

Yeah.

Stoy Hall
31:40

Our
parents
never
had
it
with
us.
Their
parents
never
had
it
with
them,
and
so
on
and
so
forth.
And
so
we
are
battling
generations
of
not
having
blunt
conversations.
Now,
yes,
there's
outliers,
there's
parents
doing
it,
there's
those
things
out
there,
but
from
a,
you
know,
a
generalization,
we
don't
do
that.
We
don't
have
this.
We
already
talked
about
it.
Yeah.
Even
when
we
do
things
and
we're
posting
on
threads
and
things
go
viral
or
some
of
my
posts
gets
engagement,
folks,
check
them
out.
See
what
people
are
doing.
They're
attacking,
typically
white
dudes,
but
they're
attacking
and
they're
making
everyone
feel
belittled
to
not
have
a
actual
conversation.
And
I
promise
you,
I
don't
argue
with
them.
I
just
bring
straight
facts
and
have
a
conversation.
Because
at
the
end
of
the
day,
if
we
can
do
more
of
that,
and
more
of
us
can
have
more
people
in
our
corner
to
help
us
to
understand,
but
also
be
very
blunt
and
say,
"No,
don't
do
that.
That's
dumb,"
or,
"Let's
go
this
route
instead
of
that
route"-
Yeah
you're
going
to
be
more
successful.
Your
business
will
be
more
successful.
And
at
the
end
of
the
day,
you're
gonna
just
be
maybe
not
super
happy
and
joyous,
but
you're
gonna
be
working
towards
that
than
the
hole
or
the
depression
that
you're
probably
currently

Kristina Hall
32:46

in.
Absolutely.
Like,
ask
for
the
fucking
help.
Like,
I
was
in
that
depression
hole.
I
cried.
Like,
it
was
horrible.
And
like,
I
can
promise
you,
like
truly
promise
you,
submitting
the
fucking
documents
feels
not
that
bad.
Like,
it's
really
a
relief.
Like,
just
do
it.
Like,
you
have
to
just
do
it.
You
gotta
do
it.
It's
the
only
way.
It,
it's
the
only
way.
Like,
and
I
just
think
about,
yeah,
that
shit
sucked
that
I
had
to
submit
those
docs
and
put
it
all
out
there,
but
I
don't
feel
like
how
I
did
fucking
even
six
months
ago,
and
my
situation
really
hasn't
changed.
So
if
that
doesn't
tell
you
something,
you
know,
it's
getting
there.
It
is.
I'm
confident.
But
yeah,
it's-

Stoy Hall
33:28

So
she
promised
you
that
you'll
feel
better
to
submit
the
docs.
So
those
listening,
submit
the
damn
docs.
I
think
that's
gonna
be
our
title
for
this
one.
Um,
but
yeah,
submit
the
fucking
docs.
Yeah.
Um,
until
next
time
though,
if
you
don't
have
a
person,
Christina
and
I
will
get
you.
We'll
be
your
person.
Come
on.
Absolutely.
Just
reach
out.
We'll
just
have
a
chat.
We'll
get
you
on
your
way.
Um,
and
it'll
be
amazing.
So,
uh,
again,
I
appreciate
you,
everything
that
you
do
for
me
and
my
family,
uh,
but
also
what
we
do
for
everyone
else.
Um,
so
until
t-
next
time,
go
reach
out
to
Hall
Social
Media
if
you
need
some
work
that
way.
If
not,
just
reach
out
to
her
and
have
a
nice
little
conversation
with
Christina,
may
or
may
not
be
related
to
me,
s-
um,
Hall.
All
right?
Peace,
folks.

NoBS Wealth
34:28

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preceding
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Mammoth.
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advisors,
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