This is episode 100 of The Dreamers Podcast! It’s been 100 weeks since the beginning of the show.

2022 is almost over but we will continue to be your consistent dose of weekly wealth literacy tips to help you live a wealthy life on your terms. 

In this episode, I’m sharing: 

• What I learned from running this show for 100 weeks
• The challenges and struggles I faced since starting The Dreamers Podcast
• How starting a podcast can help you in many areas including: 
  1. Expanding authority in your field
  2. Expanding your network 
  3. Increasing your income 
  4. Thought leadership 
  5. Continuing to learn 

Podcasting allows me to reach Dreamers around the world every week, learn from amazing guests, improve my planning and consistency habits, and so much more. It’s been one of the best decisions I have made in recent years. 

Check out the episode to find out more. 

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 

• There were times when I wanted to give up when the show wasn't growing as fast as I wanted it to, or I wasn't seeing a direct return on investment. It was very time-consuming, but I had to remind myself of why I started the podcast in the first place, and this is really a true labor of love. - Anne-Lyse Wealth
• When you have a show like mine, which is a guest-based show, you invite people on your platform, you share your platform with them, you build relationships with them, and it's been an amazing adventure. - Anne-Lyse Wealth
• I truly believe that life is about constant education and elevation and the podcast provides me an opportunity to do just that. - Anne-Lyse Wealth
• I can definitely say that in terms of increasing my income, the podcast has been a great tool. I've had over six figures in income from clients, just from having this. - Anne-Lyse Wealth

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal)

When should we start preparing for an economic downturn? At the onset? Or as early as when we see the first sign of economic decline? If you’re like me and you want to be proactive, then this episode is a must-listen!

I’ve spoken to financial experts to outline strategies to have in your arsenal so that you are prepared for the worst-case scenario. 

It’s a mix of financial cautiousness with investment strategies to make sure you’re protected in case things don’t go as planned, but without missing out on opportunities to actually build wealth.

This episode addresses:

• Four tips to manage your money during a recession
• Reevaluating your expense and emergency fund
• Investment diversification  
• Different investment accounts and vehicles to consider 
• Index funds vs. actively managed funds
• Investing with discipline 

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 

• When things are very uncertain, the more money you have saved up in your emergency fund, the more financially secure you are going to be. - Anne-Lyse Wealth
• The market is on sale. It's a great opportunity to consider investing more in good companies with a long-term strategy because you're buying the stocks at a lower cost basis. - Anne-Lyse Wealth
• The pro tip here is that investing is a long-term play. - Anne-Lyse Wealth
• Stick to a plan and automate your investments, you're less likely to constantly check your accounts and see the up and down movements of the markets. - Anne-Lyse Wealth
• What's great about an index fund is that it will not only give you diversification, it will also give you passive management of the fund. - Anne-Lyse Wealth
• The key thing here is to remind yourself not to put all your eggs in one basket and make sure that you diversify your investment. - Anne-Lyse Wealth

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal)

In this episode, the CEO of Elevated Assist shares with us how she uses her full-time job to create more passive income to support her bigger 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 dream of making an additional $100k yearly while still receiving consistent income from their 9-to-5 job. This week’s Dreamer, Annalisa Abell, has done exactly that.

Annalisa is an entrepreneur, real estate investor, and trailblazer in the Virtual Assistant coaching community. When she launched her Virtual Assistant agency, Elevated Assist, she brought in 6-figures in less than one year all while keeping her 9-to-5 job. 

Annalisa now teaches others how to earn 4 to 5 figures a month as a side income as a Virtual Assistant.

With over 3,000 students, she is teaching people how to work from “virtually anywhere,” set their own hours, while making money.

In this episode, Annalisa Abell discusses:

• How to use your 9-to-5 as an investor in your financial goals
• How she grew her side hustle to multiple six-figures 
• How she balances her business with a full-time job
• The importance of creating multiple income streams
• Real estate investing
• Her best productivity tips 
• What it takes to be a successful virtual assistant

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

• I don't offer anything less than 10 hours because if you need less than that then you might just want to improve and automate your systems without bringing an extra individual. - Annalisa Abell
• I really want to inspire people to like just take the rings of their life and just execute on things that they do well and monetize - Annalisa Abell
• I still have my nine-to-five because it's my investor, it helps me invest in other things that make me more money. - Annalisa Abell
• Anybody that says that they don't have enough time, I think it's an excuse. You make time for things that you wanna do. - Annalisa Abell

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

The Great Recession of ‘08 was a difficult time as millions of hardworking people lost money and wealth. This week’s Dreamer,  Sahirenys Pierce, Founder of  Poised Finance and Lifestyle’s family was one of them. Her parents lost most of their investments and earning during those dark times.

But she did not let this challenging time define her life. Instead, she did everything possible to improve her finances and, in the process, developed a system that will eventually help thousands of people achieve financial stability. 

The High 5 Banking Method enabled her to strategize about her family’s finances through classifying her expenses and identifying financial goals, all while performing the balancing act of being a mom and a successful entrepreneur. Through her signature method, Pierce is able to enjoy what she’s working hard for and at the same time prepare for the unexpected.

In this episode, Sahirenys Pierce discusses:

• Challenges and biggest money lessons learned from the 2007 recession
• The High 5 Banking Method To Manage Your Finances
• How she paid off $99k of debt 
• How to effectively deal with financial trauma
• Why having at least two checking accounts is essential 
• The three saving account you should have
• Long-term investing

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 

• The biggest money lesson I learned in my youth when I was still in high school was that debt sometimes can be used as leverage, but a lot of times for the common person like you and me, it is not really utilized as leverage. - Sahirenys Pierce
• High-five banking method is a strategy to really help you stay out of debt. It helps you budget and also hit your financial goals and stay committed to them.- Sahirenys Pierce

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

“How can I become work optional in less than 20 years?” That’s a question this week’s Dreamer, Steven Stack, engineer-turned-financial coach, asked himself in his early twenties. But the gap between a thought and actual results, or a dream and the fulfillment of that dream, is action. So Steven put a plan in motion and became work optional in his early thirties.

In this episode, Steven shares with us his personal story of how he was able to accumulate wealth, and become a debt-free multi-millionaire in his thirties.

Steven is the author of Simple Money Talks. In this episode, he discusses his investment strategies, as well as the obstacles, and lessons learned as a newbie real estate investor who had limited financial resources. 

In this episode, Steven Stack discusses:

• Three solid money lessons he learned from his family
• The investing strategies he used to become work optional in his early thirties
• How to become a 9 to 5 millionaire 
• Investing mistakes he made early on as a real estate investor
• How he became a debt-free multi-millionaire in his thirties
• Why we need to diversify our investments in different asset classes
• Good Debt vs. Strategic Debt

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

• I actually believe that love and the pursuit of it is what makes the world go around - Steven Stack
• You're not gonna be able to save your way to wealth. You're gonna have to invest, you're gonna have to take risks. - Steven Stack
• You're earning money right now, but what if you're in a space where you can't generate active income anymore? So if you don't make money in your sleep, you'll work till you die. - Steven Stack
• Go big, because part of why I gave up ultimately so easily in that situation was just because I planned small. - Steven Stack

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

If you want to improve your negotiation skills to earn more, Dreamer Mandi Woodruff-Santos @mandimoney has the blueprint.

In this week’s episode, career coach and award-winning co-host of The Brown Ambition podcast, Mandi Woodruff-Santos,  shares how she increased her income from $35K to over $300k in 10 years without getting an additional degree. 

After being laid off only 3 months after starting her first job, Mandi realized that she needed to look out for her interest because her employer wouldn’t.

Over the years, she developed the “Quit Your Way Rich” approach which she teaches to the women she coaches. A key element of Quitting your Way Rich is knowing your worth and making other people see your potential and intrinsic value.

In this episode, Mandi Woodruff-Santos discusses:

• Two biggest strategies to increase your income
• The Art of Negotiation and some tips to successfully negotiate to earn more
• How to attract opportunities to earn and build wealth
• How to make people see your value.
• Three actionable tips to help you get paid your value
• How to automate investing

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 

• Money had to be right but also the opportunity needed to make sense for you and where you're at in your career. Be unapologetic about that, you don't have to feel guilty about quitting for more money and a better opportunity. - Mandi Woodruff-Santos
• The negotiation happens when you show them your intrinsic value and they are excited to hire you. - Mandi Woodruff-Santos
• I am trying to follow the practice I learned early in my career, which is just do it. Don't try to be an expert. - Mandi Woodruff-Santos

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

A Team Dklutr Production

Is financial independence by age 30 possible if you don’t come from a wealthy family?

Dreamers Nadia Busseuil and Nicole Carter, “The Wealth Twins,” grew up in a single-family household in a low-income neighborhood of New York City and went on to start their careers on Wall Street after college.

In this week’s episode, Nadia and Nicole share how discovering the power of compound interest early on, and strategic planning and investing their money consistently, helped them reach financial independence early in life.

In this episode, Nicole and Nadia discuss:

• Lessons learned from experiencing 3 economic downturns: 9/11, the Great Recession, and the dot-com bubble during their time on Wall Street
• Dividend investing and how to get started
• Mindset changes to build wealth
• Key wealth-building habits 
• What being financially independent at age 30 has done for their lives
• How they are diversifying their wealth
• How to teach kids the value of money even when they’re young

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: 

• We focused on using money to help change our lifestyle so that the lack of money wouldn't stress us out, and try to help others to not go through the same thing we went through. - Nicole Carter
• Financial independence means not having to work for someone else to cover my expenses. - Nadia Busseuil
• At the end of the day, you have to spend your money in a way that is in alignment with what you care about and what you value. - Anne-Lyse Wealth

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

A Team Dklutr Production

Getting an education and going off to college is supposed to be an exciting and hopeful time in your life. But, for most people, it also comes with student loan debt.

That’s what happened to Drs. Renée and Nii Darko who had $700,00 of student loan debt a couple of years after graduating college. The debt seemed like a burden they would have to deal with for decades.

After realizing that they would spend close to $1.2 million repaying their debt if sticking with the minimum payment, they decided to take a different approach.

With strategy, discipline, and sacrifice, they paid $700,000 worth of debt in 3 years. Dr. Renée and Nii created a plan. They focused on earning extra money outside of their main job as physicians, improving how they managed their income, and making money work for them - so that they would pay off their debt, build wealth and live life on their terms.

In this episode, Dr. Renée and Nii Darko discuss:

• How they accumulated $700,000 of debt and how they paid it off in 3 years
• Debt deferment & how their debt grew by $100k in interest alone in a few years
• How they became more intentional with their money
• Their IVF journey 
• Designing a wealthy life on their terms
• How they implemented out-of-the-box side hustles like:
  • “Docs Outside the Box” Podcast
  • Independent contracting business
• How they are investing to build wealth for the future
• Tips to have a successful work relationship with your spouse

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: 

• I figured if I'm going to build a life with a person, then, part of that life is going to include the resources that we have together. - Dr. Renée Darko
• So we were actually broke. And that really pushed us to be more intentional with our money—to actually start budgeting instead of doing this mental math in our heads. - Dr. Renée Darko

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

When you're starting out in your investment journey or aiming to build wealth, many people consider real estate investing. Our Dreamer this week, Yamundow Camara didn't just make it a reality - she used creativity to build a real estate portfolio in record time without overleveraging debt. 

Yamundow immigrated to the US in 2016 through a scholarship. Five years later she has acquired 28 real estate doors, taking advantage of the pandemic, when people were fearful of investing to build up her portfolio. 

This episode will not only give you a front-row seat into how Yamundow has been able to do that, but it will also remind anyone that your starting point doesn’t have to define how far you can go. 

When Yamundow first moved to the US, like most immigrants, she believed in: getting a stable job and buying a home. But, she realized it didn’t have to end there. She didn’t just buy one property - she bought 28 doors.

In this episode, Yamundow Camara discusses: 

• Creative ways she acquired 28 doors in 2 years without overleveraging debt
• Investing in real estate as an immigrant while on OPT (Optional Practical Training) visa
• How to partner with banking institutions to support your real estate ambitions
• How to determine which markets and areas to invest in
• How to find tenants who are more likely to stay in the house for a long time
• A tip she uses to increase her listing inquiring rate 
• How she built a team that she trusts
• Why you should consider Section Eight renters
• Short-term rentals vs. travel rentals and why she does both
• How she manages working two jobs while being a real estate investor
• A costly real estate mistake she made and what she learned from it

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