It seems like everywhere we go or whenever we turn on the news, everyone keeps talking about a recession - and it’s been causing fear and panic in a lot of people.

Should we all worry or are there things we can do today to prepare? 

In this episode, we talk about strategies we can use to prepare for a recession. 

A recession can be both a gift and a curse. Listen as I give six tips on how you can not only prepare for the recession but even use it to increase your wealth. 

In this episode you will learn:

• What a recession is and why you should care
• How recessions have impacted companies in the past
• 7 tips to be prepared for a recession
• How recessions can be both good and bad

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: 

• Recessions are a gift and a curse. The economy is not stable, but it's also an opportunity to build or expand wealth.
• Recessions are bound to happen, how you prepared for them and how you react to them is going to determine whether it's going to have a positive or negative impact on your finances.

Mentioned on the Show:

• Is Starting a Side Hustle Really Worth It? by Anne-Lyse Wealth 

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

A Team Dklutr Production

Imagine it’s 2008 - the height of the global financial and economic crisis. Real estate and stock prices crashing, and the unemployment rate is through the roof. 

That was the climate when Dreamer, Justin Chung, ventured into real estate. 

Fast forward to today, Justin owns a portfolio of over 20 real estate units. Today, he shares how he built his real estate portfolio while working full-time starting with a $48,000 loan from his father (with interest!).

Listen as Justin talks about his journey as a real estate investor, as well as key takeaways to get started on building generational wealth.

We can learn many lessons from Justin’s story, especially in these current uncertain financial times 

In this episode, Justin Chung discusses:   

• His advice to get started in real estate 
• Building equity and leveraging credit on real estate properties you own to continue to build your portfolio
• Investing in starter and family homes vs. luxury properties
• How to raise money-smart kids that will become financial grownups
• Purchasing  positive cash flow properties that protect the investor in case of a downturn
• Using a hybrid approach to property management
• Building up a network of people that can help support you on your wealth-building journey 

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: 

• My father taught me to have a strong work ethic, be ambitious, and go for my goals. — Justin Chung
• The key to scaling your portfolio is really figuring out how you can leverage your time.  — Justin Chung
• A lot of times we put a lot of emphasis on how much we're spending, but not necessarily taking into account how much time we're saving and how much our time is worth.  - Anne-Lyse Wealth

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

A Team Dklutr Production

The Dreamers joining us on the podcast this week is credit expert, and founder and CEO of AMB Credits and Luxurious Credit, Arnita Johnson-Hall.

Arnita Johnson-Hall's credit education service AMB Credit Consultants is one of the most highly recognized credit education services in the country.

Her website, Luxurious Credit, inspires hundreds of thousands of women across the globe to normalize and live the luxurious life they deserve by becoming money savvy, enhancing their credit, and investing in themselves.

In this episode, you will learn:

• How Arnita went from Government assistance and a 303 credit score to becoming a credit expert and building a 7-figure business.
• The creative strategy Arnita used early on to take her business to the next level.
• Why you should check your credit report once a year and how to get errors corrected.
• How a bad experience with a credit repair company led Arnita to become a credit expert.
• How visualization and goal setting helped Arnita on her wealth-building journey.
• The strategy she used to unlearn her scarcity mindset which brought abundance in her life.
• Tips to responsibly use credit to build wealth
• How Arnita is building generational 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.

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal)

A Team Dklutr Production

Jannese Torres-Rodriguez is a nationally acclaimed Latina Money Expert, Educator, Speaker, Writer, and Business/Wealth Coach. She became an accidental entrepreneur after a job loss led her to create a successful Latin food blog, Delish D’Lites. Now, she helps her clients and listeners build successful online businesses that allow them to pursue financial independence and freedom. Jannese is on a mission to educate marginalized communities on topics like entrepreneurship, investing, and building generational wealth through her personal finance podcast, "Yo Quiero Dinero." The podcast has been featured by BuzzFeed, Business Insider, NextAdvisor (Time), Grow Magazine (CNBC), Bankrate, and more.

In this episode, you will learn about:

• How Jannese built a six-figure side income
• How she generates 5 figure passive income through her blog
• How she went from being in debt to a $300K net worth in 2 years
• The process to identify side hustles that match your skills and areas of interest
• The FIRE (Financial Independence Retire Early) movement and how you could benefit from it
• How to switch from a scarcity mindset to an abundance mindset

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

Most of us were taught that hard work is the key to success. But instead of working HARDER, how about we learn to work SMARTER?

In this week’s episode, we have Asia Abston, a dropshipping expert, and the founder of the Lux life Academy. 

Asia shares with us her journey of building a six-figure drop shipping business, how you can use dropshipping to build passive income for yourself, and why she thinks we should all consider digital entrepreneurship.

Dreamer’s Wealth of Wisdom:

• My goal in life is to teach people how to work smarter instead of harder like we can all be financially free and we can do it with a cocktail in our hands. - Asia Abston
• You can set up and systematize your life to where things are running automatically and passively. But passive money comes after active labor. - Asia Abston
• I am all about paid ads because that's how you automate it and make it passive. You figure out what adds work and then you continue to scale those. - Asia Abston

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)

Other Resources Mentioned:

• Lux Life Academy
• Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century
• Rev. Ike Legacy Youtube

A Team Dklutr Production

With a recession looming, it’s even more critical to solidify your finances. Some of the ways you can do that is by not relying on just one income stream and putting your money to work by investing. 

Joining us again on the show this week is Ellie Diop, Founder of “Ellie Talks Money” and Ellievated Academy. 

Ellie shares tips to help you identify your gifts and monetize yourself. She highlights the importance of having multiple income streams, investing early in your children's future, and talks about her mission to educate women on how to leverage entrepreneurship and financial literacy to build wealth.  

In this episode, Ellie Diop discusses:   

• How to earn more by monetizing yourself
• The importance of having multiple income streams
• Side hustles you can start under $1K
• Tools she uses to build wealth for her kids 
• How she is earning extra income through Airbnb and Turo
• Investing in real estate 

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)

Other Episodes You Might Like

• How to build a 7-figure online business and avoid the lifestyle creep with Ellie Diop
• How to Grow and Monetize Social Media to Scale your Business with Ellie Diop "Ellie Talks Money"
• How to Build a Six-Figure Side Hustle and Make Your Money Work for You with Marc Russell
• Key Tips to Start a Side Hustle with Koereyelle Dubose

A Team Dklutr Production

One of the key concerns most parents share is how to build a bright future for their children.  

Parents often want to help fund their kids’ college education or give them somewhat of a financial cushion to help them start their adult life. 

One thing that can help prepare your kids’ future is saving and investing for them. 

Ksenia Yudina, the founder and CEO of UNest, has created a solution to boost every family’s savings by launching an app and investment account. Ksenia talks about her journey moving to the United States when she was 18 years old with $500 in her pocket, obtaining multiple degrees, studying and being part of the male-dominated Financial Services Industry, and building a Fintech startup that helps parents build wealth for their children.

In this episode, Ksenia Yudina discusses:   

• The importance of savings and investments diversification
• Why parents should consider investing in UTMA and UGMA accounts
• Investing in crypto for your kids’ future
• Challenges that parents face when it comes to investing for their kids’ future
• Her journey to success in male-dominated industries: financial services and Fintech
• Challenges she overcame to raise capital to fund her Fintech startup

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) 

Other Episodes You Might Like

• How to Build Wealth, Create a Solid Succession Plan and Achieve Generational Longevity with Lauren Miller
• What You Need to Know About Blockchain, Crypto, and NFTs with Dr. Jatali Bellanton

A Team Dklutr Production

What better way to set your intentions for another year as you get a year older than to review the year to look back at the lessons learned, challenges and accomplishments.

That’s exactly what I did to celebrate my birthday this year. It’s always important for me to take a moment and reflect on what has happened - both good and bad - to help me recalibrate, and redirect my plans - if need be.

In this episode, I also discuss some of the financial and personal goals I set for this birthday, and so much more.

Listen to this episode and let me know what your personal and financial goals are - I'd love to hear them! 

In this episode, I discuss the importance of:   

• Setting specific goals and creating a plan
• Building relationships with new mentors
• Starting before you’re ready 
• How to stay committed no matter what 
• Living life on your own terms

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:

• Start before you're ready, and adjust along the way.
• Stay committed to the process, not the outcome.
• Most times, the day you plant a seed is not the day you harvest it, so you have to learn to plant the seed, commit to watering the garden, and let go.
• In order to earn more money, it's important to master your first stream of income and then master the next one instead of trying to do everything at once.

Other Episodes You Might Like:

• Setting Financial Goals For My Late Thirties
• How to Own Your Financial Narrative and Secure Your Financial Future with Shehara L. Wooten
• 3 Goal-Setting Strategies You Probably Aren’t Using (But Need To!)
• One Year Anniversary Episode - 10 Lessons Learned This Past Year

Society teaches us to save money for rainy days. But to build wealth, we have to take it a step further and put our money to work. 

The Dreamer on the show this week, Keisha Kennedy, started building wealth in real estate through residential properties and has now invested in over 500 units through real estate syndication. 

She is an army veteran who is passionate about helping minorities and veterans change the trajectory of their lives by building generational wealth and attaining financial freedom through real estate.

Keishia Kennedy began investing in real estate in 2011. She shares her journey, purchasing her first property in 2011, and acquiring all of her properties as a long-distance investor, and becoming a general partner in real estate syndication.

In this episode, Keishia discusses:

• Being an army veteran and investing in over 500 units through real estate syndication as a long-distance investor
• What real estate syndication is and how it works
• Why she moved her focus from residential real estate to apartment syndication
• The types of returns on investment she has seen in real estate and the returns she expects on syndication deals 
• Why real estate syndication is a good way to build wealth
• The difference between a limited and a general partner when investing in real estate syndication

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 want to be a general partner because I want to cater to people that look like me, the people of color. There is a wealth gap and I want to be their voice. - Keishia Kennedy
• The lesson that I have learned as far as being a general partner is that not everyone is going to invest in your deal. - Keishia Kennedy

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

Other Episodes You Might Like:

• How to Build a Six-Figure

What does it take to secure government contracts? Is it a good way to generate income? What are the requirements to qualify? Today’s guest who knows the ins and outs of securing 6+ figure government contracts shares her experience.

In this episode, Dreamer Jakayla Leathers, an entrepreneur, mom of 3, and the owner of a business that's been securing government contracts for more than five years teaches us what she knows about the world of government contracting. She talks about her journey to becoming a government contractor, from mistakes and lessons she and her husband learned the hard way, to eventually getting their first government contract.

In this episode, Jakayla Leathers discusses:

• Her and her husband’s journey to earning their first six-figure government contract 
• Why you should consider government contracting to generate income 
• Opportunities for minority-owned businesses in government contracting 
• The do’s and don’t to secure a contract as a government contractor 
• Mistakes to avoid when bidding on a government contract
• How to get and keep government contracts

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 you start reaching success, you want to and have to, be prepared for it. - Jakayla Leathers
• The cleaning industry is huge and they make really great money. - Jakayla Leathers
• You should know what you're doing, cause you're probably not going to win the contract if you don't. - Jakayla Leathers

Connect with Anne-Lyse:

• Website 
• Instagram
• Instagram (Personal) 

Other Episodes You Might Like:

• Key Tips To Start A Side Hustle With Koereyelle Dubose
• How To Be Successful In Business With Serial Entrepreneur Samantha Ettus