Millennials & Money

n?aOn this week's episode of Millennials and Money, our guest Personal Trainer Brandon Buentipo shares his Money Story. Brandon considers himself more than a trainer but a guide to help people find peace and purpose in their everyday lives. Brandon shares why he feels adaptability is the key to lasting success. Brandon has been completely deaf in one ear his whole life and he considers this disability to be one of his biggest strengths because it has allowed him to have compassion on others who also suffer disabilities. After graduating with a degree as a physical therapist from UC Merced rather than taking a position at a clinic or hospital Brandon began working as a personal trainer where he's been able to serve doctors, attorneys, and many other professionals and one thing he learned from his clients and their financial struggles are that it is not how much you make, but what you do with what you make. Brandon has been known to say to his clients “one day of good eating will not help, one day of bad eating will not hurt you”, and a client shared with him how the same approach can be used to bring financial success and it boils down to tracking and commitment. Be sure to check out the book “Think and Grow Rich” and the 12 elements of being rich. Enjoy the show.

On this week's episode of Millennials and Money, our guest Restaurateur and owner of Mikuni Taro Arai
shares his money story. Taro was born in Japan where he never could seem to fit in, eventually, he saved
up enough of his own money from a paper route to pay for his whole family to immigrate to America.
Despite having no business or restaurant experience his dad decided to follow a dream God gave him to
open a sushi restaurant. For the first 5 years, the sushi restaurant struggled to the point they could not
afford to buy fish. His father continued to trust God and had another dream that as long as he kept giving
he would one day have 1000 customers a day. One Miracle lead to the next and his dad's dream came true
and now Mikuni has 8 locations nationwide, over 1000 employees, and over $62 million in annual sales.
Taro still continues to give back to God and the community. Hear why he considers himself the happiest
man ever and why he credits his success to “Kaizen” which means circle of continuous improvement. Taro
says it all about networking “it's not what you know it's who you know”. Be sure to check out some of
Taro's books “Abundance” and “Appreciation”.

On this week's episode of Millennial's and Money, we are joined by our first Baby Boomer guest, New York Times bestselling Author, Financial Expert, and long-standing guest on the Oprah show Neale Godfrey shares her Money Story. Neal grew up in a much different time than us as Millennial's and she shares what it was like for a woman beginning a career in finance in the 1980s. She got her foot in the door as an executive with Chase Manhattan bank in 1982 where she was paid 40% less than the men in her same position were paid based on nothing other than her being a woman. After putting together the largest
merger in the history of the United States she hit the glass ceiling at Chase and became the president of The First Woman's Bank, where she saw how dis-empowered women were at handling their own money. Seeing the need to educate children and women on money and not finding a resource she went out on her own and wrote a book “The Kids Money Book”. She went on to write the book “Money doesn't grow trees” and Oprah picked the book up and “Looooovveddd it” thanks to Oprah “Money Doesn't Grow On
Trees” went on to sell millions of copies and became number one on the New York Times bestseller list. Today Neale still has the heart to educate and serve women and children around the world in 2021. Enjoy the show. Check out Neale's latest book “Be Money Smart in tough times for parents and grandparents” on Amazon.

On this week's episode of Millennials and Money, our very first guest makes his return. That's right Gym
Owner and Power Lifter Giovanni Lara is back to share his money story and what he's been up to. He
shares how his parent's struggles through the recession lead them to start their own business and why
he decided to follow their footsteps into entrepreneurship. A lot has changed since we last heard from
Gio, due to the Pandemic Gio lost everything he worked so hard to build, but Gio has preserved and
been able to rebuild and implement a complete online training platform that reaches Central America
through social media marketing and his community of lifters and clients. “you have to know what you're
trying to build, so when you're presented with an opportunity you know what to say yes to”

https://www.getfitwithgio.com

On this weeks episode of Millennials and Money, our guest is Real Estate agent James “Kimo” Zamora,
Kimo shares his money story and his journey from corporate America into Private enterprise in his role as
a Real Estate Agent. Kimo became a single dad at age 18 and five days later his dad passed, due to
circumstances Kimo was forced to grow up extremely quickly. Kimo has always been a natural salesman so
it was natural for him to get into corporate sales, where he excelled. Although making what many would
consider a very decent living he felt he was not able to service his clients in a way they deserved which
eventually drove him leave corporate America and start his own company where he could focus on
servicing the direct needs of his clients. Kimo shares how he utilized his degree in social media marketing
and his economics background to understand trends and was able to achieve success for both his clients
and himself in his first year in full-time real estate despite the Pandemic. Listen as he shares how
expanding his business from Sacramento to Los Angeles and Hawaii has been huge for his overall growth
and success through an intense digital marketing campaign. Understanding the landscape of digital
marketing has helped Kimo realize the potential exposure a professional can have and the impact it can
have on the growth of his business. Listen why the impact he's been able to have on his clients life is why
he is driven to continue to grow his knowledge base and master his craft as a Real Estate Agent. Kimo's
credits a large part of his success to “Data, Research, and Knowledge” and empowering his team of
agents through continuously providing them with knowledge related not only to Real Estate but also
general knowledge to help them grow as individuals, he considers his agents family and says they can all
grow together.

James Kimo Zamora Capitol Realty Center
930 Alhambra Blvd #205 Sacramento, CA 95816
Cal DRE# 02075281
• (916) 802-1323

This week's guest on Millennials and Money is Loan Processor with Elevate Mortgage May Yang. May grew up in Long Beach CA in a family of 8 living in a two-bedroom apartment on food stamps and welfare, needless to say, things were tight as she grew up wearing hand-me-downs and shopping at thrift stores. Once May got old enough to start earning her own money she made up for the things she wasn't able to buy as a kid and in her words, she “went crazy” she was able to gain control of her spending when her mom taught her the habit of saving 30% of her income and living off the remaining 70%, this is a habit that her and her mom still keep and is part of the reason why during the 2008 real estate recession they were both able to take advantage of the down market and purchase homes. May bought her first home in 2013 and was able to net $70k off the sale of it 3 years later. May share how she met Adrian Petersen “The Loan Dude” at American Pacific Mortgage and despite having a stable income she was willing to follow him on the journey to independence and be at his side as he opened up Elevate Mortgage. She has complete faith in their partnership and credits her willingness to follow him to the happiness being on his team brings her, May says “sometimes money doesn't mean anything if you're not happy” and she couldn't be happier with any other role than the one she plays at Elevate Mortgage. Coming from extremely humble beginnings financial success in May's eyes is being able to provide for her family and not having to worry about where her next check is going to come from. For tips on becoming a first-time home buyer and to get you TBD Approval visit May and the Loan Dude at Elevatemortgage.net or contact them directly at 916-228-4930, tell them Payton sent you.

On this week's episode of Millennial's and Money our guest is Air BNB Real Estate Investor and Planning and Property Manager Bobby Lister. Bobby shares how growing up in the Middle-Class community of Antelope in between the poverty-stricken Del Paso Heights and the more Affluent community of Roseville was able to see where decisions both good and bad could lead him. He worked his way through college and has always been a big saver and frugal outside of his “$18,000 once in a lifetime wedding” his frugal lifestyle is why he was in a position to buy his first property in 2010 for $140,000. After four years his property had only appreciated to $180,000 and when the real estate agent tried to
convince him to sell and insisted that no one would be willing to rent his home Bobby still wisely decided to rent out his home and that was the start to his Real Estate investing journey. Eleven years later Bobby now has a Real Estate Portfolio made up of Air BnB rentals and extended stay travel Nurses with a value upwards of $1.4 million that cash flows $150,000 annually. Bobby is a believer in being patient and maintaining a modest lifestyle as he builds his Real Estate portfolio he and his wife both maintain full-time employment. Hear why he and his wife credit their financial success to clearly having their spending aligned with their values.

This week is our special season 1 finale episode on Millennials and Money. Your host Payton Toshio Boyea and Podcast Consultant Zach Grand, share their journey as they created the Millennials and Money Podcast. Hear some of the most memorable pieces of episodes both funny and powerful moments as well. We appreciate you sticking around with us this long and are excited for the surprises we have for your season 2, Website coming soon... see you guys in a few weeks enjoy the episode.

https://www.linkedin.com/in/payton-boyea-46374a191

https://podcasts.apple.com/us/podcast/made-alive/id1502426561

Our guest this week on the Millennials and Money Podcast is the owner of a digital marketing company and associate Pastor Larry Williams. Larry shares what life was like growing up in a military household living all over the country up until the point his parents divorced, at which he lived in month-to-month survival mode with his mother. He shares how the transition from the check to check mindset to a more abundant mindset has been a rough one which he is still in the midst of. Larry shares what lead to his transition from full-time pastor to the owner of his marketing firm, and how after at one point taking on any client and trying to serve all that came through his door, he has since been able to maximize both his time and his income by focusing on the marketing needs of pastors and churches to whom he provides the most value to. Be sure to listen through the end to hear Larry share the importance of utilizing systems and delegation.

On this week's episode of Millennials and Money, our guest is Michael Thompson. Michael is the Retail Operations Manager of California’s largest recreational marijuana retailer. Michael shares what it was like growing up with two entrepreneurs as parents and what hard work ethics were instilled in him and he says his key to success lies in what he calls the Thompson Family Pillars Honesty, Character, Responsibility, and most importantly Courage. Hear how a career in college baseball taught him to never allow himself to be outworked, although injuries brought an end to his dream of baseball with one closed-door brought an opportunity of a lifetime in an industry where the sky is the limit. Be sure to listen through the end to hear Michael’s humble definition of financial success.