Jamila Souffrant 0:00
You're listening to the Journey to Launch Podcast YOLO ATP You Only Live Once After the Pandemic, So How to Manage Your Spending in A Post Lockdown World While Still Reaching Your Money Goals.
Welcome to the Journey to Launch podcast with your host Jamila Souffrant, as a money expert who walks her talk, she helps brave Journeyers like you get out of debt, save, invest and build real wealth. Join her on the journey to launch to financial freedom.
Jamila Souffrant 0:27
Hey, hey, hey journeyers Welcome to the journey to launch podcast, I am going to be doing a solo episode today. So again, I always say this, I'm planning to do a lot more solo episodes. You know, my like dream podcast setup. In my head, in my head would be solo episodes a majority of the time, like maybe two to three solo episodes and then one interview a month. But working there guys, bear with me. We'll get to that point. But I know some of you guys love the solo episodes that I do even though I don't want to say I don't like them. It just feel like it's more pressure on me to deliver because it's just me, but every time I do it, you guys like it. So I'm like Jamila, just go ahead and just ramble talk, give the journeyers as what they want. So here I am.
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If you want the episode Show Notes for this episode, go to journeytolaunch.com or click the description of wherever you're listening to this episode. in the show notes, you'll get the transcribed version of the conversation, the links that we mentioned, and so much more. Also, whether you are in OG journeyer or are brand new to the podcast, I've created a free jumpstart guide to help you on your financial freedom journey. It includes the top episodes, so listen to stages to go through to reach financial freedom, resources, and so much more. You can go to journeytolaunch.com/jumpstart to get your guide right now.
Okay, let's hop to the episode. In this solo episode, I want to address something that I think will be very key and important going forward. As we come out of this pandemic, I'm hesitant to say like, come out of this pandemic, because I really don't know just like I don't know, who knows when this will all be done. If it will ever be done. We are going to be experiencing a new normal, I don't think our lives will ever be the same. But you know, with the vaccine rollout and more people getting vaccinated, and people feeling more comfortable to travel, see loved ones, you know, redo the things they used to do. I do think that we will be coming out of this one day soon, sooner rather than later. And so I was thinking through this concept that you know, the YOLO concept you only live once? Well, I think people are going to have this feeling of YOLO ATP, you only live once after the pandemic like YOLO ATP. And while I'm all about you know, having fun and enjoying the now i'm also about preparing yourself for a good future and making sure you're set up well. So that way, you have no regrets. You're not leaving money on the table or over leveraging overspending in a way that is detrimental overall to your life into your health and just to your financial wellness, but I believe was I feel myself experiencing this, that there are going to be people who are going to be like, Listen, I almost didn't make it out of this. I sacrificed a lot I went without a lot. I went through some hard times over this past going on what a year, but you know, possibly two years when this is done, where I want to live my life, you know, unfortunately, there are so many people who did not come out of this pandemic who lost their lives or lost loved ones. And so I think there's gonna be a pretty much like a rebellion on. I don't want to say being prudent. But you know, for some people, you're going to continue to be prudent and have your budgets and do things the way they quote unquote should be done when it comes to money. But for some people I think it's gonna be like listen, I want to spend money in a way that I enjoyed now because Because tomorrow is not promised, and you only live once, after the pandemic. So I wanted to talk about ways in which you can manage that feeling while still enjoying the now. And also making sure you're not sacrificing your long term goals. By the way, I did talk about this a bit In a article that I wrote for DCU. I'll link it in the show notes. And then after the end of this, I'm going to give some updates, some personal updates, or professional updates of what's been going on on my journey that you may or may not be aware of, in case you're not on my newsletter, which you should join, by the way, if you're not, so you can go to journeytolaunch.com/join. I typically send out a newsletter every week and includes the latest episode of the podcast, and then just some updates on what's going on with me. And then also follow me on social media, I'm at journey's launch on Instagram, I also have my own Jamila Souffrant account on Instagram, that I update, which is much more than just like the finance stuff, it's like more of my life, as much as I'm comfortable sharing. But I typically on my stories, or on my page posts about my running and biking journey and mom life a little bit and just balancing being an entrepreneur, and all the things okay, so you can follow me @ Jamila Souffrant, also on Instagram, and then everywhere else at journey's launch on Twitter and Facebook.
So after I do my how to manage your spending post lockdown, YOLO ATP, I'll go into some just updates in case you missed it. So again, for many of us to pandemic dramatically impacted the way we spend our time and money. The events of 2020 2021 now, you know, put a strain on many of our finances due to the loss of income. So for those of us who lost income, or stable work opportunities, so things that you thought were stable income that you thought was stable, no longer was, you know, you may have lost money, in some cases, you may have earned more money or save more money. So depending on your experience, you may have just a different way that you look at this whole lockdown. But I think in any case where there was a positive negative you that you were impacted by this pandemic, I mean, when it came to your money, and so sometimes some of the things that you normally spent on you didn't have to spend on if you were able to stay at home, and you were an essential worker going out every day. So maybe you know commuting, right dining in at restaurants and travel, a lot of that stopped because of the pandemic. And so those are things maybe that you normally spend on that you weren't able to spend on and experiences that you enjoyed that you were not able to do. And so I really do believe that as this vaccine rollout increases, and the restrictions are lifted, you know, you're going to find yourself with the desire to make up for lost time, you may find yourself with that desire by splurging on the things that you missed out the most. And, you know, it may also come to you that you realize you weren't spending in a way that you valued, you might have felt like you limited yourself too much before the pandemic, you know, like you want it to travel, but you put it off, so you never really traveled or went out to eat as much. Now you were faced with this timespan and not being able to do anything and you're like, Wait a second, I should have spent on that like that was valuable to me, right. So I think a lot of people are going through this in their head, even if it's not consciously it's happening. And even the way you view work, I believe has changed. It changed for me. I mean, I work from home before the pandemic, my life and my work life, were always kind of intertwined. But at least I had that like alone time at home because the kids were in school. And so with the kids being home with everyone being home, that changed the way I viewed working from home, you know, I almost like wanted to go somewhere else to be able to work because it was just hard to get anything done. It was very stressful, being in the home with everyone, and not not having a dedicated space, I don't have really an office space. And you know, dealing with virtual learning, right with a six, four and two year old.
So for a lot of people like it also made you look at Wait, I thought that you know, I wanted to retire early, reach financial independence work from home. And so either this shows you if you're able to work from home that yes, I love working from home, I could work from home for the rest of my life. I don't need to see anybody i'll zoom calls all day if I need to, if that means I don't have to commute in. And for some people like they were home and they were like wait, I actually miss going into the office, I miss interacting with people other than my dog, or cat or kids or spouse. And so it may have made you realize like actually didn't mind commuting. And maybe you want to go back full time. Or maybe you want a balance. It's like I like to be home but I like to go out. And so I also think that this also may be made you look at how you spend your time because you may have said yourself, Well, I'm miserable or I don't like this thing because it's at my job, it's going somewhere else. And I don't like being at that place and then you still find yourself being home and having those feelings. Now granted, there was a pandemic, there was a lot of emotional, mental things going on that could also have contributed to however it is those negative feelings. I mean, I experience them myself. So it's not just a happening in a silo where you can pinpoint it to just your location, right. But I do think you could reevaluate what it is that you enjoy to do.
So with that coming out of this, you want to make sure that now you can live life in a way that is aligned with what you discovered about yourself during these times. And spend, in a way, invest in a way save in a way for the now, but also, you know, long term for the future. So here are some steps that you can do. Step one, evaluate your pre pandemic, and pandemic spending. So evaluate how you spent your time and money before. And during the pandemic. What were the things that you spent on that you realize you could do without and still be happy. So again, you may have been spending on things, pre pandemic, and spending a lot in those areas. And then the pandemic forced you to not spend on those things, and you realize you didn't want or need them. Maybe it was like going out to eat was your thing, you were home and you realize you like cooking, you discovered a love for not going out as much. And so you want to continue that right? Maybe you possibly after the pandemic, what about possibly that you didn't travel enough before the pandemic and you realize like, Listen, I missed out on that I don't want to miss out on that again. So just evaluate, just be aware of and sit down and think about the categories in your budget that you were either spending on or not spending on pre pandemic, and during the pandemic.
And then I want you to start in stage or step two plan and budget for your post pandemic spending. So after you wrote down all your answers from step one, it's time to start thinking about the activities and things you want to spend more on, or continue to save on in your budget. And then you're going to need to plan out how you're going to save money to reach those specific things. So let's just say you realize you're trying to take better vacations, nicer vacations. I know for me, we had put off traveling, also our kids are pretty young, it was really not appealing at all to travel with them a lot. But I'm like, you know what, in 2022, I would like to travel more, I like to take them to Disney World, I like to go on an adult vacation. I know without the kids I want to do all the things I'm you know, I'm trying to also not travel on a budget necessarily, still want to be smart about it. But you know, maybe go first class and enjoy life a little bit, enjoy the luxuries of life. And so for that, I need to budget we need to budget for that. So start thinking about the things that you will want to spend on going forward and make a budget for it. Because you want to be able to do those things without feeling guilty about it without feeling like oh man, like should I do this, like I should be saving or investing. So if you can make a list of these things and set around about like how much they may cost, you can work towards that goal. So if you know you want to take a vacation in 2022. And maybe that's a year out, then you can start and work backwards? And how much do I need to save to take that vacation? Maybe you open up a savings account to keep track of that, right. So the biggest thing is that you want to be able to plan and budget for this post pandemic spending in a way that works for you. And then also save. So you also may look at something and say, Oh, I can save money here. I used to spend out before the pandemic I spent like $700 on restaurants. During the pandemic, obviously, that dropped and maybe I was doing more takeout but it literally went down to 200. And so in my post pandemic spending life I'll spend about maybe 400 is reasonable, right? So that's like a $300 savings from before the pandemic right. And so you can look at ways in which you can also save money going for it and put that in your budget.
Next thing continue to look for deals, and use any available points for splurges and travel. So find ways to still save on the things you want to do. You know, I'm a big, I'm a big fan of travel hacking, where I do use my credit card for mostly everything but I pay it off every month I accumulate points. And then typically I would use that towards travel. Or if I were to splurge or buy something. And so if you're looking forward to traveling, you know still check out those travel sites and shop for hotel deals. So even though even if you want to like do something more luxury, see if you can still get a discount on the luxury. Or you're still doing a cost benefit analysis of is it worth the extra $500 a night for this room that just maybe has this view? How much does the view matter to you? Is it worth $500? Sure, then do it. If not, then you can get the same room without the view for less money. Also, check those credit card rewards points. Because I know for me last year, we're actually my friends and I were going to celebrate my friend's birthday right before the pandemic like everything went to lockdown. We were literally supposed to like go somewhere in the beginning of April and then you know everything stopped happening in March where people were not, you couldn't travel. So we couldn't do it. But luckily, we got credit on our flights. So making sure that if you had travel plan that was canceled, you know that you have that credit or those points, you know, don't let them slip away, and go missing. And then make sure you're looking at your current points for your credit cards, maybe there's some that you you don't realize that you have. So make sure you have that all together. And you can decide what you can use towards the things you want to splurge on.
And then the next thing I want you to do is to continue to save for your mid to long term goals. So I think the biggest thing that most people face in how to deal with their money on a day to day basis is how do you know how to like save and invest for the future versus like what you want to enjoy. Now, it's that kind of push and pull between short term vision and now and enjoying the now and Hey, what about the older you and the person that you there's going to look back at this shoe right now and wish that you did a little bit more. And so I don't want you to totally abandon your mid and long term goals. As you're yelling YOLO ATP, you only live once, after the pandemic, I want you to see how you can still save towards those mid to long term goals. And, you know, spending reasons still for the things that you value. It may be that you thought you wanted to retire, quit your job reach financial independence in 10 years, and what that required of you was a lot more work and a lot more sacrifice and this period, this pandemic has allowed you to really refocus and realize that you want to have a more sustainable journey that lasts longer. And with that, maybe it's not going to take you 10 years when you do your math and your calculations. It's going to take you 20 I don't know. But with that understanding, how can you still in reason, save and invest for the long term to make sure you're okay.
Jamila Souffrant 16:55
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Jamila Souffrant 17:45
So I always like to push this. If you have a 401k at your job. And you have the capacity, not everyone has the capacity or some people who are maybe it's you that are that still struggling. But if you have the capacity to invest more in a 401k, your job, can you put additional 1% towards that 401k. So as you're budgeting for the things you want to do now, can you just put 1% more in that 401k. And what I used to do when I worked again, I have the capacity to do this in my budget is I used to put until I got to the max point, I would do like 1% and then up it and I tell my friends this to like my friends in real life, I'm just like, just put 1% more than you're doing now, then you can automatically if you don't want to consciously have to do it. Because you may forget or just trip yourself up but not do it. There are some companies that allow you to say okay, how much to increase over time. So you can do Okay, do another 1% in another month. And so those 1% shifts or changes, so the contributions to your 401k that you can make automatically. Or maybe you have to do it manually, you know, do like $50, you put the $50 in your Vanguard account, and your Roth, but you're putting just a little extra more. And it doesn't need to be a whole lot. But we're flexing that investing and saving muscle because you know, sometimes it doesn't make that much of a dent. And you realize, Oh, I can still do the some of the things I still want. It's not a big deal, and you keep pushing. And so I always love pushing myself to the limit and saving and investing as much as I could and then like seeing how I can live well with the rest. And so still, if you have the capacity again, you may not and that's okay, not yet, but you maybe we'll be able to in a couple months or in a couple years, just put a little bit more towards that investing in how your 401k, your Roth IRA, or your saving account if you're saving for something. And while these amounts may seem small, they add up over time if you stay consistent, so keep doing that.
And then also you want to be able to schedule in something. So there may be some things you really want to do and feasibly you can't do them. And if you did them it will throw everything off track. So you want to think about those bigger things in your life that you want to accomplish. You know, maybe it is buying that new car, maybe it is buying an investment property and you realize that these are things you want Do more than ever, because of how restricted you were, you just realize certain things about your lifestyle. And so you just want to make sure you're you're putting that in your long term budget. So it's not something maybe you can do right now, maybe you don't even have the money to save for it, but it is in your vision board. It's something that you are aware of, and you can think towards how you can get to that point in a few years or months.
So listen, I get it. You may be once like the doors open up the imaginary doors, so the world opened up again. And, you know, hopefully, listen, can we talk about all that flight deals, and the hotel deals that we still hopefully, are still gonna be around, when the world opens up, like how tempting it's going to be to just like, let it all go, I want you still to be okay financially in the future, and I want you to still enjoy life now. So while you're yelling, yellow ATP with that credit card, or debit card, or wherever it is that you're about to like purchase and buy, because life is short, I get it. But keep these things in mind. I'll go over them. Just the points really quickly. Again, one, evaluate your pre pandemic and pandemic spending, two plan and budget for your post pandemic spending. Three, continue to look for deals and use any available points for splurging and travel and four continued to save for your mid and long term goals. So that's my four ways or four tips for you. So you don't go crazy. As the world opens up. And it's yellow ATP, let me know if this resonated with you. If you're going to use any of these tactics, again, I wrote an article also, for DCU. On this, it's going to be on my blog, it should be out by the time If not, I'll link to it in my show notes. So when it comes out at me on journey to launch, so I'm on Instagram at journey to launch so I can see which other this episode.
And then now let's just jump into some personal updates, professional updates, what's been going on. So a couple things, I have a new text number. So I have a text number. This is I joined community, it's a texting platform, and it allows you you guys, you journeyer to text me and to join the list. And so even if you're on my newsletter, it's good to join this text list because and text community because I can also communicate with you via text. Don't worry, I won't text you too often. But it's a nice way, especially if you're listening to the podcast. Let's say for example, and you want to get reminded about podcast episodes, or just certain things that are happening, you can get reminded if you join the community. So text me at 347-252-9025, that's 347-252-9025,, and if you hashtag podcast, I'll send you the jumpstart guide. You'll then get your tag as a podcast listener, and I can update you with podcast updates. So once again, text 3472529025 you can text podcast and jumpstart so podcasts, hashtag podcasts or just podcast or just jumpstart or hashtag jumpstart either way, if you check those two things, I will send you the jumpstart guide automatically the jumpstart guide is my guide for anyone who is wanting to know the top most listened to episodes, the journey or stages and the 10 steps to create your financial independence plan. It's a free downloadable workbook just for you. I'll go it will straight to your phone once you text this number.
Next thing, the first quarter of 2021 was actually a really good one for myself and journey to launch in terms of business and exposure honestly, so New York Times feature like yeah, New York Times featured the podcast as a podcast listen to when it comes to your money. And that was completely by surprise. Like there are some things I kind of know that are maybe happening or potentially happening. But with the New York Times piece like I had no clue. Of course, there were a few more podcasts mentioned in it. It wasn't just mine, but it was like a really nice list of people. Chris from popcorn finance Shana from millennial money and then million bazillion which I actually have not checked out but it's from marketplace. Also or featured in this article. And this definitely helped more people find the podcast so that was pretty cool that that happened. Also Apple podcast so the apple podcast app if you have that purple app on your phone or on your iPad or on your computer feature journey to launch like in the header section. So there's like this banner section is like a rectangle and it shows like the prominent or it shows the podcast and a prominent way jurnee salons was featured in that carousel section of Apple podcast which is really cool. And then they featured it again in podcasts listen to for April, which was Financial Literacy Month. So again, all really cool things because this helps grow the podcast listenership You know, that's really important, like podcasts, you'd be surprised. Like, if you're listening to this, like, Hello, thank you. You'd be surprised how many people one don't even know what a podcast still is. And to even if they like, know what podcasts are to find, like my podcast is not necessarily easy, right? Like you have to somehow stumble upon it or Google money or personal finance. And so any opportunity that as an independent podcaster at the moment, meaning I don't have like a huge marketing machine behind me, it's literally just me, I do have a small team that helps. So shout out to Shaina, my sister who helps with a lot of stuff and johannah, who's does almost everything and Emily, my producer, they are my little team, my mighty and little team that help. But I don't have the kind of backing right now that someone who's on like I Heart Radio distribution or another bigger distribution has where you know, more and more millions of people are like, can find me at the moment. So it's really important that as an independent podcaster that like I get these opportunities, because then more people get to find me and the more people that find me, the more people that could potentially start their journey to financial freedom and independence. So So I always say this, if you're listening to the podcast, the best thing you can do to support me, let's say you're just like, Oh, I'm not really interested in the money launch club or FI course, or I'm not really on social media like that even right, like, the best ways to support the podcast or to tell someone about it is to if you're on social media to share it so your friends can learn about it, that helps so much is to leave a review. So if you're listening to this on Apple podcast, the app on your phone, leave that review, believe it or not, I read every single one and also potential advertisers for the podcast and people who want to partner with me. They look at that. And it does help with rankings. I mean, some people say it doesn't, I think it does.
And subscribe, subscribe or follow the podcast wherever you listen, meaning it gets to be downloaded to your phone or wherever you listen automatically, because downloads are everything. And to grow podcast, anyone if you have a podcast, I do have some people who have podcasts that listen, or are starting their own business, you understand like how hard it is to grow something. And so I just want to say I appreciate each and every one of you for listening one more time for being a journeyer. And despite how many of you guys listen, there's more people that I can reach. But you know what, and this is to go for anyone who is starting something or has their own business or podcast or blog or something totally different, who wants to do something we often talk about like numbers. And I got to be honest, for me numbers matters. Most times, like if I have an advertiser, they want to make sure like the episode they advertise on hits a certain amount of downloads, like I said that, hey, this podcast gets X amount of downloads, so I need that X amount of downloads or like they will come back and say, you have to run a free ad for me, right? So numbers matter. And while the numbers matter, really, every number is made up of a person. It's made up of you listening. And I know you're listening, because when you do tag me on social media, it's really special to me, when you guys tag me in, like you're like, Oh, I'm walking my dog. I'm cooking, I'm working out. Like you're literally like listening in your real life. So it's not just a stat. It's not just a download, it's a person. And when I think about like getting recognized by New York Times, and have a podcast, and all these platforms, or these places that I want to, you know, get mentioned in it's usually one person, right? It's a person that's listening to me that happens to maybe write for one of these media companies or has access even like some of the companies that I want to partner with. It's one person that you need to really connect with, or get your stuff or understand. And while Yes, getting it to more people is great. You really just need to make sure you're being impactful with your content with your messaging, because there could be 20,000 people who listen. And that's great, but it's that one person in that who one changes their life because of something you just said, or says Wow, I like this. And I write for New York Times, I'm going to write something about Jamila. And so this goes for me when I think about numbers and I sometimes get caught up like oh my gosh, like I wish we had more downloads. It also reminds me that you know what, though, you're impacting people, so that is the most important thing. Today I released an episode or I don't get like any message for the week that someone enjoyed something of what I was putting out in the world means that I'm doing something wrong. So for me while I talk about the numbers are important as a business person now and this is my main source of income. I'm not financially independent yet. I'm on my way. It's important. It's not just the money. Honestly, it is the impact. So I just you know, that's where I lead from first making sure I'm bringing you consistent constant, just good information, good podcast, good content.
You know, I've been playing around a bit More if you go to my Instagram with more creative things, because when you do have a business, it's really easy to get stuck in the weeds. And especially when it's a small team, like, my team helps me out a lot. But sometimes I still find myself like, not being able to be as creative as I want, like, I have so many ideas, right? Like, I want to do more creative post and do more of like, the concepts and digging deeper into even writing. I'll talk about my book in a second, my future book in a second. And sometimes I can't do that, because I'm so focused on like, the numbers in terms of like the financials and the technical stuff. And so when I'm really leaning into in 2021, like expressing my creative side, so I did a couple of reels, where you can check that out, and hope you find entertaining. One of them was choose your ephi fighter, which I thought was just hilarious. Or, you know, you get to like, move back and forth. If you're playing a video game and choose a fighter, I did that with the five journeyer stages. So that's on my Instagram, I'll also link in the show notes. And so I'm really leaning into doing more of that, because to me, that's what is going to make the impact, like the content for people like to make it accessible to make it fun, and all those things. And then the last thing I'll just touch upon is my soon to be book.
Now, before you get excited. I'm at the very beginning stages of writing a book, I'm not even writing the book yet, I'm working on the proposal, I don't have an agent yet. That's like the next step after you have a proposal and then after the agent and you have to get a publisher that after the publisher, then you write the book, okay, so I'm at the like stage or step one of step 50. But I'm working on it. And so I don't know how long this is gonna take like the process from now until there's a book and so the in the world, an actual book, and maybe a year and a half, maybe two years, maybe less or more, because I don't want to write something just for the sake of writing it. But I am happy to say that I am in the process of writing that proposal. And I will talk a lot more about kind of like the book process as I get along in it because I think it's I think it's pretty interesting to share the behind the scenes and I hope you'll find it interesting to once I do start sharing it, but just know that I'm still forging ahead with a book. And I don't exactly know what it's gonna be about. I have some ideas. That's why I'm working on the proposal now, but I can't wait to share that with you. Okay, so see another solo episode in the books. I hope you enjoyed it. Let me know what you think at journey to launch on Instagram, screenshot tag me we posted and just tell a friend to tell a friend about the journey to launch podcast, tell them to be a journeyer too because listen, the journey is no fun when you're by yourself. I mean, I know that we are on the journey together, but bring someone else along with you and your world that needs to hear this too.
Don't forget, you can get the episode Show Notes for this episode by going to journeytolaunch.com or click the description of wherever you're listening to this and you can still grab your jumpstart guide for free to help you on your journey to financial freedom by going to journeytolaunch.com/ jumpstart.
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Other related blog posts/links mentioned in this episode:
- Here is the DCU article on How To Manage Your Spending Post-Pandemic.
- If you missed enrollment, join the waitlist for my FI course.
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