The Dreamers Podcast

Getting an education is often considered the key to success. But, a problem that many students face is the cost of education.

In this week’s episode, Dreamer Chris Corinthian shares resources and helpful tips to get different scholarships and passive income opportunities that students can use.

In this episode, Chris Corinthian discusses:

• How he paid off his $48,000 student loan
• Deferment of loans and its long-term impact on finances
• The Debt-Free Degree Triangle framework
• Passive income opportunities for college students
• How and where to get scholarships
• Tips on graduating debt-free

If you enjoyed today’s episode, here’s what you can do to support me and help more Dreamers discover the podcast:

1. Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.
2. Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify | iHeart Radio | Amazon Music | Listen Notes
3. Share the podcast with your family, friends, and co-workers.
4. Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.
5. Would you rather watch this episode? Go to our YouTube channel to enjoy the video version. And while you’re at it, click the bell to subscribe so you can get notified when a new episode comes out.

TOPIC POINTS

• His journey to pay off his student loans [2:32]
• Deferment does not mean that the interest stops growing [3:54]
• How to graduate debt free through Debt-Free Degree Triangle framework [5:14]
• Affiliate programs are one of the ways students can earn money [7:58]
• Five essential essays you need to write to get over 100 scholarships [10:10]
• Different video essay scholarship programs [19:15]
• Financial Literacy 101 contents [20:25]

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

A Team Dklutr Production

Dreamer Cedric Nash is a self-made millionaire and a wealth coach defines the six levels of wealth that we can choose from depending on our financial goals.

If you enjoyed today’s episode, here’s what you can do to support me and help more Dreamers discover the podcast:

1. Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.
2. Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify | iHeart Radio | Amazon Music | Listen Notes
3. Share the podcast with your family, friends, and co-workers.
4. Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.
5. Would you rather watch this episode? Go to our YouTube channel to enjoy the video version. And while you’re at it, click the bell to subscribe so you can get notified when a new episode comes out.

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

A Team Dklutr Production

Many people want to get rich or become a millionaire but don’t know where to start. Listen to invaluable tips from this week’s Dreamer, Cedric Nash, who started investing in the stock market and real estate in the early nineties, and became a millionaire at 31.

Cedric is the founder of The Black Wealth Summit and the author of Why Should White Guys Have All the Wealth?

Cedric is on a mission to help Black community close the racial wealth gap.

In this episode, Cedric Nash discusses:

• Investing principles that helped him become a millionaire twenty years ago, and continue to accumulate wealth since then
• Six levels of wealth
• Building wealth through entrepreneurship vs. 9-to-5 jobs
• Transmitting the  millionaire mindset to children
• Lessons from his 30 years experience as a real estate investor
• Investing in private equity to 10X your wealth, what it is and who qualifies to invest

If you enjoyed today’s episode, here’s what you can do to support me and help more Dreamers discover the podcast:

1. Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.
2. Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify | iHeart Radio | Amazon Music | Listen Notes
3. Share the podcast with your family, friends, and co-workers.
4. Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.
5. Would you rather watch this episode? Go to our YouTube channel to enjoy the video version. And while you’re at it, click the bell to subscribe so you can get notified when a new episode comes out.

TOPIC POINTS

• Exposure to a more abundant life shaped his outlook on money [02:29]
• Encountering his mentors throughout his life developed his money mindset [04:11]
• Living modestly is one of the principles rooted in his mentors [7:20]
• Define your wealth to define your destination [9:24]
• Six levels of wealth [10:14]
• Making millions means making extreme sacrifices of your time. [15:07]
• Children are not good listeners but they are good at imitating adults. [18:56]
• Multi-family home is a good real estate property investment [19:39]
• Diversify your portfolio through private equity investment. [22:05]

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

A Team Dklutr Production

What better time to set the year on the right track than today? The beginning of the year is a great time to create a financial plan for the future and review key documents you need to make sure you are setting yourself and your family up for success. I am excited to share with you actionable steps you can take today to start 2023 on the right track when it comes to your finances.

In this episode, I discuss:

• Seven (7) things you should do to start the year right including:
  • Creating or updating your estate plan
  • Reviewing your life insurance policies
  • Reviewing 2022 financial results compared to your goals
  • Writing down 3 to 5 financial goals for this year
• Will, Trust, Pour-over will…
• Key elements to include in estate plan
• Passive income vs. active income
• Life insurance policy as a protection for your loved ones and as a tax optimization strategy for the wealthy

If you enjoyed today’s episode, here’s what you can do to support me and help more Dreamers discover the podcast:

1. Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.
2. Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify | iHeart Radio | Amazon Music | Listen Notes
3. Share the podcast with your family, friends, and co-workers.
4. Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.
5. Would you rather watch this episode? Go to our YouTube channel to enjoy the video version. And while you’re at it, click the bell to subscribe so you can get notified when a new episode comes out.

TOPICS

• Review the previous year to determine what worked and what you can improve on [00:40]
• Write down financial goals [1:49]
• Review beneficiaries  [3:09]
• Life insurance outside of your job. [7:29]
• Creating more income streams, preferably passive income. [9:42]
• Increase your credit limit if you have a good credit standing. [10:56]
• Several options to automate investments in different vehicles or streams. [11:44]

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal)

A Team Dklutr Production

In this week’s episode, the Dreamers tackle how to remove the stigma around wealth building and why this is a difficult fit for women of color.

If you enjoyed today’s episode, here’s what you can do to support me and help more Dreamers discover the podcast:

1. Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.
2. Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify | iHeart Radio | Amazon Music | Listen Notes
3. Share the podcast with your family, friends, and co-workers.
4. Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.
5. Would you rather watch this episode? Go to our YouTube channel to enjoy the video version. And while you’re at it, click the bell to subscribe so you can get notified when a new episode comes out.

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

A Team Dklutr Production

Wealth and privilege are often associated with skin color, gender, and profession. In this generation, many Dreamers have shown that building wealth is not restricted to people from specific backgrounds.

Dreamers Jannese Torres-Rodriguez, Ellie Diop, Dr. Jatali Bellanton, and Davonne Reaves are joining me for this episode to discuss their journeys as generation wealth builders and women of color.

In this episode, the Dreamers discuss:

• How their views about wealth shifted through the years
• Breaking down barriers as women of color creating wealth
• Real estate investments from residential to commercial (including hotel investing)
• How to securely pass down wealth to future next generations
• How to teach our children about money and wealth

If you enjoyed today’s episode, here’s what you can do to support me and help more Dreamers discover the podcast:

1. Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.
2. Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify | iHeart Radio | Amazon Music | Listen Notes
3. Share the podcast with your family, friends, and co-workers.
4. Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.
5. Would you rather watch this episode? Go to our YouTube channel to enjoy the video version. And while you’re at it, click the bell to subscribe so you can get notified when a new episode comes out.

Dreamers' Wealth of Wisdom 

• Representation matters. We need more representation of what women of color millionaires look like, women of color investors, hotel owners...it's so important to have that representation because I think that's the thing that makes a lot of people have that light bulb go off in their head, and they are like, okay - I could do this too. - Jannese Torres
•  It gave me different perspectives as to why it's important to have residual income coming in. Because when the world hits sometimes it hits you hard. It comes fast and furious, sometimes in threes. - Jatali Bellanton
• Being a woman of your word and really understanding the importance of relationships have helped me throughout my career, and it's something I value very dearly. Our relationships and our brand, I take that very seriously because that can make or break you. - Davonne Reaves
• You don't have to not spend in order to maintain wealth. In fact, you need to diversify. You need to invest; you need to do things with the money in order for it to actually grow. - Ellie Diop

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

Recession or not, real estate will always be a tool to build generational wealth. This episode focuses on secrets from first-generation real estate investors who all started investing with less than $15,000 and became millionaires in less than 10 years.

In this episode, Steven Stack, Yamundow Camara, Erika Brown, and Attiya Blair, 4 First Generation Real Estate Millionaires join The Dreamers Podcast to share their strategic tips and drop amazing gems for how you can do it too.

In this episode, we discuss:

• Strategies to build long-term equity
• Investing in yourself for financial freedom
• Increasing income and raising capital
• Common real estate misconceptions
• Using profits to invest in the next property 
• Unconventional resources to acquire real estate 
• Finding a bank to partner with on real estate deals

If you enjoyed today’s episode, here’s what you can do to support me and help more Dreamers discover the podcast:

1. Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.
2. Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify | iHeart Radio | Amazon Music | Listen Notes
3. Share the podcast with your family, friends, and co-workers.
4. Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.
5. Would you rather watch this episode? Go to our YouTube channel to enjoy the video version. And while you’re at it, click the bell to subscribe so you can get notified when a new episode comes out.

Topic Points

• Not giving up because of rejection or “No’s” [7:48]
• Section 8 option for properties as “guaranteed money” and addressing the stigma [9:02]
• Good debt vs strategic debt [13:48]
• Ownership of time [15:58]
• Self-discipline as an investment [18:05]
• Leveraging other people’s money [19:03 start]; [25:00]
• FHA loan intro and benefits [21:24]
• Building wealth vs making money [23:28]

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal)

A Team Dklutr Production

Mindset and emotional well-being are key to living a wealthy life. There are also tangible skills that can help you increase your income and get you closer to that wealthy life. With all the economic uncertainty looming, it’s so important for us to have the necessary skills to earn additional income and financial stability.

This episode highlights four skills you can use to increase your income and wealth this year.

In this episode, 4 Dreamers discuss:

• Increasing authority and influence 
• Mastering the art of the negotiation
• Building the confidence to ask for more
• Unleashing the power within you 
• Pivoting and when to do it
• Attracting new opportunities

If you enjoyed today’s episode, here’s what you can do to support me and help more Dreamers discover the podcast:

1. Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.
2. Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify | iHeart Radio | Amazon Music | Listen Notes
3. Share the podcast with your family, friends, and co-workers.
4. Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.
5. Would you rather watch this episode? Go to our YouTube channel to enjoy the video version. And while you’re at it, click the bell to subscribe so you can get notified when a new episode comes out.

Dreamers' Wealth of Wisdom 

• Confidence comes when you have more experience. The more money you make, the more you realize that you need to work smarter and not harder. - Angela Yee
• Becoming an entrepreneur expanded my income-earning potential, which is essentially limitless, and gave me the ability to control my time. It gave me the ability to show up for my son. It gives me the ability to decide. - Tonya Rapley
• I do believe in the power of opportunities coming to you versus you having to go out there and always hunt them down. - Mandi Woodruff
• When you impact and influence people, it produces income. - Anthony O’Neal 
• Men and women of character can produce currency. - Anthony O’Neal

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal)

A Team Dklutr Production

The Dreamer joining us on the podcast this week is Ellie Diop.

Ellie Diop "Ellie Talks Money" is an entrepreneur, speaker, youth mentor, and business coach. As a former sales director,  she has extensive experience in Sales, Management, and Leadership Development.

Ellie started her business out of necessity after being laid off from her job. By providing resources to start an online business and earn money online, Ellie has empowered thousands of women and has grown her Instagram following from less than people to over 100,000 in 7 months. Ellie is a mother of four and has a deep passion for youth empowerment and development.

In this episode, you will learn:

• How to leverage your corporate experience to start an online business
• Different ways to monetize your social media
• What she did to grow her Instagram following to over 100K people in 7 months
• How to create value for your audience online
• How she makes money online and what she did to triple her income during the pandemic
• How she overcame being laid off and being homeless as a young mother
• How an early lesson she learned about money opened up her mind to the possibilities of financial independence  
• How you can use failure as preparation for the next step in your career and life
• The importance of listening to signs while overcoming challenges
• Money lessons she learned as a child and young adult

If you enjoyed today’s episode, here’s what you can do to support me and help more Dreamers discover the podcast:

1. Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.
2. Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify | iHeart Radio | Amazon Music | Listen Notes
3. Share the podcast with your family, friends, and co-workers.
4. Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.
5. Would you rather watch this episode? Go to our YouTube channel to enjoy the video version. And while you’re at it, click the bell to subscribe so you can get notified when a new episode comes out.

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

A Team Dklutr Production

A new year always gives us an opportunity to start fresh. But, why wait until the new year to make changes? Now is the best time to get a head start and set the foundation for how your next 12 months will go.

This is why mindset is key.

This episode highlights five mindset tips to help you elevate in 2023 shared by fellow Dreamers who are killing it in their own space.

Let’s elevate in 2023 and beyond.

In this episode we discuss: 

• Shifting your beliefs and embracing your money story
• Investing in the stock market
• Letting go of financial trauma to elevate
• Creativity when it comes to building wealth for your family
• Paying for peace and scaling joy 

If you enjoyed today’s episode, here’s what you can do to support me and help more Dreamers discover the podcast:

1. Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.
2. Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify | iHeart Radio | Amazon Music | Listen Notes
3. Share the podcast with your family, friends, and co-workers.
4. Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.

Would you rather watch this episode? Go to our YouTube channel to enjoy the video version. And while you’re at it, click the bell to subscribe so you can get notified when a new episode comes out.

Dreamers' Wealth of Wisdom 

• When I am paying for peace in one area of my life, instead of using that time in that way, I’m able to redirect my focus to things that I know I can do to create more income. - Patrice Washington
• We all have a money story. Every single one of us believes something about money. We were raised to believe that money doesn't grow on trees. Money is everywhere. Money is easy. Money is hard. Identify your money story. - Natalie Bullen
• Do an inventory of what comes up for you mentally and emotionally, sometimes even physically, when dealing with money. What comes up for you when you think about spending money? If you're questioning yourself and going back and forth, those are indicators of something. Because trauma is built by difficult, distressing life experiences. If it is causing you stress in any way, shape or form, that's an indicator of something that needs to be investigated and looked at. - Jacent Wamala

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal)

A Team Dklutr Production