The Rich Immigrant

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The Great resignation (or the great realignment) is real and people are switching jobs in record numbers. What more? There are a lot of opportunities specifically in the tech space and this means more people are negotiating job offers with equity compensation. The truth is, job offers can be difficult to fully understand. Today's episode helps you understand your compensation package so you can make the best decision and negotiate for yourself!

In this episode, we discuss:

• Salary
• Benefits such as PTO, Fertility benefits, Parental leave, fitness, health insurance etc.
• 401k, the match, and vesting
• Equity compensation - Employee Stock Purchase Plans
• Equity compensation - Restricted Stock Units

We can only negotiate what we understand and this episode was recorded to put you in the driver's seat when it comes to your compensation. Go out there and negotiate better! Share this episode with someone that is thinking of changing roles! Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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 I first 'met' Vivienne a few years ago on Instagram as she shared a love for travel. Since then, I've gotten to know her personally and follow her on her journey. What a GEM!

Vivienne Okafor is a creative content director, brand coach, and storyteller with a mission to build people. She focuses on helping you discover the essence of who you are through your gifts, story and purpose, and guides you to package it for who you’re called to serve. She’s an avid traveler and believes that it is at the intersection of stories and education that the magic happens.

Viv and I continue our conversation about her courageous journey from trying to get into medical school to entrepreneurship. We talk about:

1. How she mentally and emotionally prepared for a transition to entrepreneurship
2. How to know when it's time to leave
3. How she prepared financially for the transition
4. What she wishes she did better in financially preparing for transition into entrepreneurship
5. How preparing financially will keep you from operating in anxiety, fear, and desperation
6. How she's stayed committed by investing in herself and in her growth
7.  Mistakes in investing - investments rooted in lack vs out of a specifically identified need/gap
8. How she stays grounded in her why
9. How you can work with her
10. In her words, what it is to be a rich immigrant

Please listen and share this episode.

Vivienne is working on an exciting workshop that will help people tap into their story, gifts, and purpose before they decide to build anything. Follow Vivienne on Instagram @thevoguide or visit her website at  www.thevoguide.com

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Send us Fan Mail

I first 'met' Vivienne a few years ago on Instagram as she shared a love for travel. Since then, I've gotten to know her personally and follow her on her journey. What a GEM!

Vivienne Okafor is a creative content director, brand coach, and storyteller with a mission to build people. She focuses on helping you discover the essence of who you are through your gifts, story and purpose, and guides you to package it for who you’re called to serve. She’s an avid traveler and believes that it is at the intersection of stories and education that the magic happens.

When I think of Vivienne, I see courage in action, I see vulnerability, and I see a woman focused on becoming the best version of herself. Vivienne shares her courageous journey from trying to get into medical school to entrepreneurship. This episode is for anyone in transition, charting a different course, or making an unpopular decision. We talk about:

1. What she wanted to be when she was growing up
2. How we sometimes carry dreams that aren't ours as Immigrants and BIPOCs
3. How it felt when she realized her childhood dream of going to medical school was not going to happen
4. How she told her parents that she was not going to medical school
5. How courage comes in the DOING, and not feeling courageous at the time she made the decision to move forward despite the uncertainty ahead
6. How to know when you're ready for your next move 
7. Making the next pivot from  health care consulting to creative entrepreneurship
8. Going all-in on a decision vs doing a half-ass job

What a conversation we had and this is only part 1. I truly believe this episode will help someone out there break free from expectations and dreams that weren't even theirs, to begin with. Please listen and share this episode. Stay tuned for part 2 of the conversation next week!

Vivienne is working on an exciting workshop that will help people tap into their story, gifts, and purpose before they decide to build anything. Follow Vivienne on Instagram @thevoguide or visit her website at  www.thevoguide.com

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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When I first started at my full-time job 12 years ago, benefits enrollment was a foreign language to me. With no one to talk to, I read part of the jargon, make my elections, and kept it moving for SIX years. It would take me that much time to realize that I'd been probably selected the wrong health insurance plan and that I should have selected the HSA.  It's that time of the year where employees of companies in the USA are making their benefits elections.

In this episode, I explain  key open enrollment reminders. I talk about
1. Some key terms that relate to health insurance
2. Understanding the plan options available to you and then assess what plans(s) are best for you
3. Comparing your company's options to the options provided by your partner's employer
4. Understanding what has changed in your Company's benefits and policies.
5. Assessing any changes in your life or in your life goals that warrant a change in your benefit enrollment elections for the year. 

Your benefits are part of your overall package and you should make sure they're working for you. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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How much money is enough? This is a loaded question so let's talk about it. This podcast was initially inspired by the recent phenomenon of being doubly employed and conversations with friends on the topic.

In this episode, I share personal examples and I talk about:
1. How much is enough when I don't compare myself to other people or chase the next sexy round number
2. How much is enough in an emergency fund?
2. How much is enough to quit your job?
3. How much is enough to retire early?
4. How much is enough to live a rich life now?

This episode shares tips for you to consider as you try to determine how much is enough for you in this regard. What is enough for one person will differ from the next person.  Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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Season 4 is coming back starting in three days! I'm super excited and I hope you are too! Catch up with me on Instagram, on the blog, and on the last 3 seasons of the podcast!

Season 4 is here, the first episode drops on Wednesday!

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. Here are the best ways to stay connected:

1. Join our community of Rich Immigrants and friends here
2. Visit the blog at www.therichimmigrant.com or
3. Get all the snippets and daily banter on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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Many people know that they should be saving for retirement but it is often difficult to delay more immediate needs. Further, too many of us believe that investing is for the rich. This could not be further from the truth and I wish someone broke this down for me earlier. Investing is for EVERYONE.

In this episode, I share some tips on how to start investing with as little as $50 - $100 a month. I talk about:
1. It all starts with a good budget. A good budget empowers you to tell your money where to go. Read this post to learn how to create a budget that works.
2. Investing enough to get your employer match on your retirement savings/investments
3. What to do if you don't have an employer retirement plan
4. Prioritizing taking advantage of tax-deferred accounts first
5. Taking advantage of government perks like the Savers credit in the USA and the Lifetime ISA in the UK


When it comes to investing, procrastination is costly! Start today, with what you have and as your income grows, increase your contributions. Your 60-year-old self will be so proud of you.
Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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The media just LOVES to glorify the perfect immigrant, but the truth is, while those grass to grace stories are great, there should be room for all immigrants to thrive. Thrive without having to live up to the accomplishments of the 'ideal immigrant.'

In this episode, I share my perspective on the pressure to be a perfect immigrant, one that has it all together. I talk about:
1. I share and contrast two different immigrant profiles and how they'd be perceived
2. The societal pressure to be the perfect immigrant
3. Pressure from families to make the sacrifices of our parents 'worth it.'
4. The need to put on our own masks first as immigrants and children of immigrants
4. Our responsibility for the next generation of immigrants

This is a topic near and dear to my heart and there's so much to unpack here. For anyone navigating some of the things I talked about in this episode, know that I see you and I see all the work you're doing-especially the internal work.

I mentioned these two resources are some of my favorites:

• Brown Girl Therapy
• Progressive Migrants

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Send us Fan Mail

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Send us Fan Mail

Tune in for a 100% real mid-year update/conversation where I share (unscripted) on the year so far. In this episode, I talk about:

1. My crypto losses
2. What's going on in the housing market and whether I'm still in the market for a home
3. How my portfolio is doing and hitting the first $100k net worth
4. What's happening in the car market. Should I sell my car in the used car market?
5. My money regret from last year - not buying a used car for resale
6. Two sets of people that can win right now by selling a car or home
7. Sharing lessons from a recent reunion and a special announcement

Since I recorded this episode over the weekend, the news about the Delta variant has caused a bit of a rollercoaster in the markets. Hang tight!

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.' See you next week!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'