From Living Paycheck To Paycheck To Paying Off Debt & Financially Thriving With Veronique

Episode Number: 380

Episode 380: From Living Paycheck To Paycheck To Paying Off Debt & Financially Thriving With Veronique REWIND

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This week we are rewinding to a conversation I had with Veronique Graves, a fellow Journeyer and a self employed sign language interpreter who is on her way to financial freedom. She went from living paycheck to paycheck to paying off debt, saving, and investing. Veronique advises those on their financial journey to be patient, set specific goals, and surround themselves with financially savvy individuals. Her motivation for financial independence stems from her desire for life flexibility and the ability to help others, inspired by how her family supported her financially in the past.

In this episode, Veronique shares: 

  • How working as a freelance contractor requires careful financial planning due to the irregular nature of her income​​.
  • How she successfully managed to save enough to avoid living paycheck to paycheck and how she is paying off her credit card debt
  • The significance of celebrating small wins and staying motivated by recognizing progress over time​​ + much more.
I'm listening to episode 380 of the Journey to Launch Podcast, From Living Paycheck To Paycheck To Paying Off Debt & Financially Thriving With Veronique REWIND Share on X

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Jamila Souffrant 0:02

I'm having a conversation with launch club member Veronique to learn more about her story and actually share it with you. Let's get started. T minus 10

Intro 0:12

seconds, 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 in 54321,

Jamila Souffrant 0:41

if you want the episode show notes for this episode, go to journey to launch.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 an OG journeyer or 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 to listen to, stages to go through to reach financial freedom resources and so much more you can go to journey, to launch.com/jumpstart

to get your guide right now. Okay, let's hop into the episode. I'm doing this because I really wanted to highlight and showcase some of my amazing journeyers in the launch club. And you know, it's like, you hear it from me, you're just like, whatever. Jamila, sure, you're gonna say it's great, but like, let's get some receipts. Who's in the launch club? What are they doing with their life? Even, just forget about the launch club. This is just someone like you who has a story to tell, who is on the journey. So very similar to my journey or profile series. This is me talking to someone who's in the thick of it, who is making strides, you know, making their way through reaching financial freedom, debt payoff and all these things. And I really wanted to bring you Veronique story and have her share it directly with you what's been going on with her. So just a little bit more about Veronique. Veronique is a sign language interpreter. We met, actually a couple years ago via online she was in one of my programs, my group coaching program, and then she joined the launch club, and she's made considerable strides with her finances. And I wanted her to come out and talk about that. She lives in DC, the DC, Baltimore metro area. And you're going to hear her talk about kind of what she's been working on, how she's been working through paying off debt and earning more money and all the things. And so I'm excited for you to hear Veronique story. Now, without further ado, let's listen in on this conversation I had with Veronique. I hope you enjoy. Okay, hey, journeyers, I am back with a very special interview, and this is not like, you know, I know, typically, for the longest you've been hearing, kind of like my expert interviews and people who have already reached financial independence. And a while back, I was doing journey or profile interviews, where I like talking to people in the thick of the journey, because honestly, I feel like those are very impactful for people, because you're hearing from people who are actually in the motions, going through it in real time, like you are. And so what I decided to do is bring on a few members from the launch club, the membership community that I have for journeyers. And I wanted to highlight some of their stories, because they are doing amazing things with their finances and on their journey. And I really think it can help you guys out. So I want to introduce Veronique graves to the podcast. Hey, Veronique. Hey, good, good. So I wanted you to come on, Veronique, to share a bit of your story, because we, you know, we first met a while ago. I forgot how long ago it was

maybe a little over a year ago. Yeah,

a little over a year ago, and you first reached out to me for one on one coaching. And then I think after that, I had launched my group coaching program that I did, which you ended up joining. And you went through that, and we could talk about a little bit about that. But then after you finished that, you were doing your own thing. And then when I launched the launch club again, you were like, You raised your hand. You're like, all right, I want to join. And so now you've been a member. So I want to talk about first, though, like, where you currently are with your finances. Because the good starting point people to be like, All right, so what's going on? Like, where are you right now? Bernique, with everything going on. Okay,

Veronique Graves 4:54

so I'm still paying off, uh, one credit card, actually two, but one has, like. Percent interest on it, so trying to get that one out of the way. And then I also am at a point where I'm saving enough that I don't have to live paycheck to paycheck. So that feels really nice, because as an independent contractor, there's always like, am I gonna get paid this week or, like, in the end of the month? You know what I mean? So it just helps having that security, that cushion so, but planning for it, right?

Jamila Souffrant 5:22

So let's even step back further, right? So what do you do? You said, you mentioned you were a contractor, like, explain to people, kind of like your current career, and then like, where you live, and a little bit more background about yourself.

Veronique Graves 5:34

Okay, so I'm a sign language interpreter, but I do freelance, like contract work in the Washington, DC and Baltimore metro area. So basically, I'll go, depending on the day, maybe to a government agency, and interpret for deaf people that work there, or for college classes or business meetings. But the thing is, if you don't work, you don't get paid, so you have to, like, kind of plan for that, especially in the summertime, it's lighter because a lot of people go on vacation or schools are out, um, and in the winter time people go on vacation. So you have to definitely gage when you're getting paid and all that stuff. So yeah, and

Jamila Souffrant 6:08

I think that's a unique, not like a unique, like lot of people don't go through that, but I think it's unique, because when I come to contact with contractors or entrepreneurs like myself, and you're not getting such a steady paycheck as you were, you would if you, you know, had a regular nine to five, there is a like, a more of a art to like, budgeting and preparing your finances, because it's not as predictable. So when you first, like, reached out to me, like, Where were you like with your finances? Because I know when you first reached out to me, you like, had more debt, you were trying to get more in control of things.

Veronique Graves 6:41

Yes, I was struggling because, because I wouldn't get paid, but I was still like, I'm going out to eat, though, and I just put on the credit card and I'll pay it when I get paid, and it would start piling up, especially with interest rates. And also, I had fibroid surgery, so I was trying to pay off medical bills. Even though I had insurance, it still didn't cover all that much. So I just felt like, almost like I was drowning, like, how do I get out of this debt? But also, when I talked to you, it was like, Okay, it's a mindset thing too, like, and the whole thing about, like, things won't work if you don't work. So it's like, try to figure out, how can I make this work? And also, there's a, I think it's an app called capital that would like, take out. I think you can put the percentage in. So I put 30% I was like, 10% for travel and 20% for saving, and it would just go out. And I was like, Oh, where'd the money go? But then I noticed that if I wasn't trying to spend it on, like, going out to eat and everything, I was like, Oh, I don't really need this and I can put it away. So it was helping me save up more. But just also the how you had us fill out the chart, where it showed your spending, your cash flow, how much is coming in, how much is going out, and sitting down and looking at that, it was real. I was like, oh, okay, I can cut this down.

Jamila Souffrant 7:58

So, yeah, that helped a lot. Yeah. And I feel like a lot of people, that's why I really that's one of, like, the basic things, like, when I work with someone, or even tools in the launch club, is that, like, foundation wise, like, we need to know where you are and how you're spending because you often think and don't realize, like, where your money is going because you're not tracking it. And seems so big, so simple, and a lot of people want to skip that step, because it can seem a little overwhelming, right? You got to, like, get all your statements or sit down and make time to do it. But I find that everyone who's done it, even if they like, you know, it takes a little while to do other things. Just the simple fact of sitting down and kind of going through, using this assessment that I that I give out, it really, really helps. So what would you say? So I know you're still in debt payoff mode. You know you made changes. So I think the one thing I want to share it with people is like, kind of like your starting point. So if you can share maybe how much debt you paid off since you started intentionally doing this, and then what were the specific changes that you made to be able to do that?

Veronique Graves 8:58

Okay, so I think when I met you, I think I had like, 13,000 on different, like, five different credit cards for the medical that, and for, like, just trying to pay my rent when I wasn't getting paid, and all that stuff. I looked at my Roth IRA, and I read about how, if you take it out, take out your contributions, there's no penalty, there's no taxes. So I was like, wait a minute, if I can take this out, pay this off, and then not pay the bank interest, I can just pay myself, like, later, like, pick up more jobs and just try to build up my funds. So that made more sense to me than trying to pay, like, 24% interest on these bills that were just they just kept growing. I felt like, so that helped a whole lot, taking out that money, paying those off. And then I think I left one that was like 2000 but it was like 10% interest. I was like, this one, I least can, like, try to work, to just pay it down, and then also just put in, like, making sure I was taking out money for taxes. So if I get my check, I usually don't have, I have a 1099, form for contract. So I have to take out, like, say, 20, 22% out, and I've got a Capital One account where I have it, like, label, like, one part's taxes, one part savings, one part's fun. So, like, I'll put 20% in the taxes, and then 20% my savings. And I'll also pack lunch at work. More me and my boyfriend would cook more at home, and then, you know, just take it to work. Because I would just go say, I'm going to, like, a hamburger place. I'm like, Okay, I want this hamburger. I want the buffalo burger. So add $4 and then I want the Fresh Cut fry. So by the time I eat lunch, it's like, $20 like, This is crazy. And after you look at the form that you gave us, I was like, Wait a minute. I don't need all this. So, yeah, just make it to track everything.

Jamila Souffrant 10:40

So here's what I love about coming to the things you just mentioned, and this is going to look different for everybody. Like there's no one size fits all, but there are just some, like baseline things like you can do the I do want to mention. So the what you talked about with the Roth IRA is true. So any since you since Roth, contributions are after tax, you already pay taxes on it, so that contribution, if you decide to take it out, it's not taxed. Now, I always say that should be one of your last resorts, because that's meant to grow like it's meant to grow over time, and then if you can, it's better to pay off your debt from cash flow. But I will say this, that even like with your situation, and you explaining it like it worked for you to get you over a hump and get you ahead. And so that's why I always say it's not necessarily a one size fits all, but you need to be conscious of what that means. If you're taking that money out that okay, you have to consciously stick to now your new behavior, so that you're not taking out to pay it off, and then you're back from square one with credit card debt again, right? So you know, there's more to it than just like, doing it like one time, there's like, a decision and a commitment to that. And then the other thing I like that you said is that you use, like, apps and tools to help you get organized and with contractor work. Now that I'm, like, a full time entrepreneur, when you get paid from someone like $1,000 that's not $1,000 of like, net income, no, to you, maybe is a couple $100 after you pay taxes, operating expenses and all the other things, right? So I like that. Now you're, you know, kind of like, okay, every dollar like this is what it really means, like to me, like my take home. And then the other thing, which is a lot of people, is the food. I totally get it.

That is, I mean, think about it, food is, like, one of the most expensive wine items in anyone's budget, especially if you live like you live in DC, I live in New York. There's so many places like to eat, really, it's easy for it to get ahead of you and just out of your control a bit, and then you kind of say, well, I don't have time, or I don't like cooking, or, you know, whatever other thing you say to help justify it. So I can imagine a lot of people actually can relate to that with your

Veronique Graves 12:47

days are so long. So I would leave at like five, and so I would pack breakfast and lunch, but then I would eat all that before lunch. And you know what I gotta get lunch and dinner when I go home? Well,

Jamila Souffrant 12:58

it's funny, because it was like a meme going around when someone's like, oh, you told me to pack lunch, but I ate it at 10. Like, I'm hungry. It's 12 o'clock. It's like, what do I do now, serious and so true. So this is why I want to talk to like, like, get more into the details of what this journey looks like. Because sometimes when you hear the overall story of someone reaching a financial independence financial independence or saving XXX and reaching all their goals. Like, there's these little day to day, little wins and moments and decisions that lead to the bigger ones that time, you know, like, Oh, who cares? It's just $10 today, but over time, and it's not necessarily just about the $10 it's about like the habit forming, right? And the discipline and the person you become by practicing a little bit of delayed gratification and discernment, right? So, so you mentioned a couple things that helped you get on track. So if you think about, kind of how much further you have to go, and your overall goals, like, what do you feel like it's some of the things kind of standing in your way, or obstacles that you still feel like you need to overcome to get to your goals.

Veronique Graves 14:06

I think my biggest problem is that I like to learn a lot of new things. I'm like, Oh, this class is cool, and this class is good. So like, now I'm I'm taking an online cooking class and jiu jitsu and so, like, I'm like, oh, man, that's like, 400 more dollars a month, you know, that's coming out. So the cooking class will stop, you know, taking the monthly payments after, I think about four more months, so that will free up some money. But just kind of focusing on a few things at a time is what I need to work on, as far as, like, time management and just kind of narrowing it down that you can't do. You can do things, but you can't do everything, like at one time. That's I'm still trying to get used to, right?

Jamila Souffrant 14:45

Yeah, well, were you taking those classes as more of like hobbies or potential things you would get into to as a side hustle to make money, potentially

Veronique Graves 14:53

for the cooking I've always loved that I wanted to go to culinary school when I got out of high school and my dad was like, No, you. Needed a degree, like a four year degree, first. And I was like, Ah, man. So I made it in communications. And I was like, I don't really like this, so it's always been the back of my head. But because culinary school was so expensive, like 25,000 a year for some places, I found this one is like 1000 for a year. So I was like, let me try and see if this is what I really want to do. And then maybe I could just, like, have, like a little side business. It's like a vegan or, like, plant based program, just to see. And then I learned I was, like, knife skills, not my thing. It's really hard. So I'm more of a baker. So it's just kind of, I'm still, I feel like I'm in an exploratory stage, still trying to figure out, really what I want to do. And then I like working out, and I like martial arts. So did you just use something new as far as self defense, too and fitness?

Jamila Souffrant 15:48

Hi Jamila here, host of this podcast and author of the book, your journey to financial freedom, a step by step guide to achieving wealth and happiness. Just a few years ago, I was in a job I didn't like, with a long commute, feeling stuck, I knew there had to be a different, better way. Then I found the pathway to financial freedom and financial independence. Today, I have more money options and freedom than I ever thought was possible. And in my book, Your journey to financial freedom, I'll show you how you can achieve that too. You'll learn how to spend and save responsibly, all while enjoying that spicy Margarita and exercise of guacamole, determine where you are on the journey and evaluate your spending and saving goals accordingly. Quit your job, retire early or reach financial independence. My Book your journey to financial freedom, a step by step guide to achieving wealth and happiness, is out now and available on Amazon bookshop.org, Barnes and Noble and more. You can leave and listen to the audiobook narrated by me. Go to your journey to financial freedom.com. To get a free bonus when you order the book and see all the places to buy it once again, go to your journey to financialfreedom.com. So yeah, multi passionate and, like, a creative so I think that for a lot of people, it comes to, well, you know, like, I want to try all these things out. And I always say that you just said it yourself, like you can afford anything, like, you know, we can technically do all the things, but then that's going to take away or delay other things, like, there's always an opportunity cost for something. And I try to preach, or I try to say and make clear that I'm definitely not about, like, deprivation per se. Like, it's not like you can't do anything and you should never spend money. Like, that's totally not my approach, but that you should just be aware of if you do this, then this is what this means. And so I think a lot of people like, they think, like, oh, you know, like, I have all these interests or want to do these other things, like I deserve it. And so coming to an a decision on, okay, I'll make a plan. So maybe I won't do all these things at once. I'll make a plan to do this for a year or six months, then I move on to the next thing. But then really look at how this impacts your other goals right now when it comes to how you're feeling now. So like, what are your ultimate goals you work for yourself, which is actually a goal that a lot of people want to reach right like, you have some flexibility there, and you're making your way with paying off some debt. I forgot how much you said you had left. Still,

Veronique Graves 18:18

I think I have about 2000 Wait, oh, and I forgot. Oh, my aunt, like, 2300 for medical bills. But she's like, take your time. I don't need the money, but I still you don't want to pay her. Okay? He's like, pay all the other stuff with interest first. Okay, so, oh,

Jamila Souffrant 18:33

she's very nice, yeah. So you have, you're still, you know, I'm assuming debt payoff is one of your main goals. What are some other goals that you have, and how do you intend to kind of stick to them and reach them?

Veronique Graves 18:46

I definitely want to build up my emergency fund. So what happens is, I'll get to, like, a month of expenses, and then I'll end up taking my rent out there. But the good thing is, I'll still have, like, 1000 left. So the goal is to keep 1000 in my checking account. And then, because nobody ever tells you they're like, oh, keep some money in the checking account and then save an emergency fund. But I'm like, how much? So I read this book called get money. Kristen Wong wrote it. Oh, yep, yeah. It's so good because she actually talks about the independent contractor side. A lot of books I find don't and she said to her dad, was like, You should always keep 1000 in and I was like, that's a lot, but it helps kind of get near there, because, you know, if you have automated payments, like your car insurance and health insurance, and it's like, that's coming out, and I'm like, Oh, well, I still have money left, it feels good. So just getting, like, the emergency fund, where I don't have to keep pulling, like, my rent out, where it can still grow, also, to max out my HSA, also to increase my income, where I can start putting more money back into my Roth IRA and a regular IRA too, and definitely increase the income. So that's what I also think I'm trying all these things. I was like, Can I have more side hustles? Because I was also teaching Zumba from my rec center. So. It

Jamila Souffrant 20:00

definitely sounds like you have a lot of goals, concrete ones, and I feel like you could definitely reach them. I think for a lot of people, I think it can get a little not saying this is you, but it can get a little overwhelming with like, all the things you want to do and accomplish and and the steps that it takes to do that. So the other thing I wanted to talk about is kind of where you are in the journey. So I recently introduced in the launch club, and then I'll be talking about it here on the podcast, if it has, if I haven't already talked about it is like this kind of the journey or stages, and that the different levels that people kind of travel to to get to, the ultimate stage that we all want to get to, which is financial independence, and where really work is optional. Like, you can decide, like, if you want to work. It's not that, I don't think everyone can reach, but it's a journey to get there. And depending on your starting point, you can take a while. So I wanted to break down for people, like, Okay, what does that look like when you're in the beginning stages, like, yourself still in debt payoff mode? And so I would like describe, I'm looking back because I like, I wrote it on my board here that you, like, are a cadet. Like, I made these like names up, following my whole theme of launching, yeah, more of a cadet stage, where you are in the debt freedom stage. You know, the first stage before Cadet is Explorer. So that's like someone who is typically trying to get just stable, like they're trying to pay their bills, um, they're in the red and that, like living paycheck to paycheck, whereas you're a little bit you're more stable than that, you're in a debt payoff mode, which is where a lot of people are sometimes that can take a while right to get out of, depending on your habits, how much delayed gratification, like you can handle, and choices that you make, and income and all the things, right? So I want to talk like what you're excited about the most moving forward. So I know you're in the launch club, so I do want to talk about that a little bit and like, kind of just how that's been helping you along. What are you feeling most excited or invigorated about with this? Where you feel like, all right, I have, I feel like I can do this. What's giving you that kind of help? Hope and motivation,

Veronique Graves 21:55

I feel like, with the launch club, just reading people's stories, or talking to people who are kind of in the same boat, or, like, same mindset, of like, Okay, I gotta do this, this, this, and I focus on the money, because a lot, I find a lot of people don't like talking about money. It's like, we need it. We have to make it so people are more comfortable with it. But yeah, so the accountability that comes with the launch club, I really, like, actually, I have a meeting with a lady from the Lunch Club tomorrow. We're gonna be accountability partners, yay. So yeah, so that's cool. And then two of my friends are like, Okay, I'm in debt payoff mode. So I saw the sale at the loft, but I had to pay my car. So I was like, You go, girl. So encouraging people really helps a lot. And, oh, I also want to tell you I used Betterment last year, even though it's paying off the debt, it was taking $120 a month out of my account. And I didn't see it, and I looked later. I mean, I would take it every now and then when my sister was getting married in Mexico the beginning of next month. So I was like, how am I gonna pay for this? And then I was like, wait, you had the betterment account, and it was like, 2000 and it was 1500 like to go. So I was like, Oh, I can use this. So just having that was, like, pretty cool, because just not the automation helped, and then it was like, Okay, you can have something for, like, a goal that you want to achieve, or something that you want to do that's even fun. So,

Jamila Souffrant 23:16

right, right. And so, like, a couple things with that, like, that's why community like it's so important. Being around like minded people is huge, and it's something that you probably like some people don't put enough stock in, but just being around people who are doing the same thing you are is motivational, because you're like, Alright, I'm not doing this alone. So I'm so happy to hear that you connected with someone to really be like an accountability partner for you in launch club. And then, like we mentioned before, is that the automation and the tools to help support your goals are super important. So another thing that I really try to encourage people is that you don't, you know, I have my recommendations of tools and things I use, but whatever works for you, just keep trying tools until and some people are just like old school, right? So when it comes to a budget, like, I have budget tools that I like, but it's like, some people just like the paper and pen or a Google Sheet slash Excel file, that's fine, whatever works, but you just have to keep trying things until they work. Because I find that people try things like, oh, that didn't work, and then they just kind of give up. And it's like, no, no. Like, you have to keep trying until it works. Okay, so what's something that you're kind of scared about with, like, achieving your goals. Is there something that's just like, Oh, you got kind of makes you a little nervous.

Veronique Graves 24:30

I think with my job situation, because I'm learning the new skills, I'm also, like, learning tech skills, and I'm people are contacting me from jobs already. It's like, I'm not finished with and I was like, I think I've also gotten comfortable in my job. Like, okay, I know some of the agencies I go to, and then if I get another job, then what happens with this one? But with interpreting, I can do it part time I feel like or at night or on the weekend. So that's just talking myself into like, you know, you want to make some different moves, so just keep going for it. Keep. Learning, right,

Jamila Souffrant 25:00

right, right, yeah. And it's so important that you do keep investing in yourself. And I think for a lot of people, it comes a time where, in the personal finance field, like a lot of it, is saving and investing, and, you know, investing your retirement accounts and into whatever accounts outside of yourself, which is totally Yes, that's true. There's a level of investing that you have to do with yourself too, and where you have to take stock on, like, Okay, how do I pour back into me so that I am building up myself as my biggest asset? Because the end of the day, like, I'm the one that's gonna be able to make the more money with my skill set, with my mindset, with my actions. So definitely great that you are, like, continuing on this path of, like, learning. So now kind of just switching to, like the launch club. I always ask people, and I try to for everyone that's in the launch club, I'm just like, Okay, what's the reason like that you joined and then with that, why do you keep coming back? Right? So it's like an option. I mean, some people paid annually, some people are paying monthly. But I always like to hear because it makes me like, know what to do more of and like, what I need to be sharing with people who are not in launch club, like you. Like, this is what is so amazing about it, because people are here experiencing this and you know, so like, if you can share kind of why you joined and what your experience has been so far, that'd be great.

Veronique Graves 26:15

Let's see, I was always looking for more like minded people, as far as like financial information and personal finance and the whole financial freedom movement. And so with your group, it's a good community. Like to share your goals, share your win, share what you learn. So like the challenges, I really like because, like, growing up, I played basketball, and so it's like, it's kind of like competing with yourself, like, can I accomplish this goal this week, or can I pay this debt off or save this much money? So I really like that. Also, the classes and, yeah, just being able to talk to people. Because I have one friend, we'll check in every day. Like, did you work out today? She's like, I'm like, I'm tired. She's like, go to the gym. So checking in on each other, I really like that, yeah,

Jamila Souffrant 26:56

yeah. And, I mean, I do love that. Like, about the environment too, where it's like people are, like you said, holding each other accountable, but then you have to hold yourself accountable, which is why it's like, I love, like, declaring goals to the public, or just two people, because want to see yourself like you can kind of say, all right, like, you know, if I put this back, no one's gonna know. Like, what is your goal for this month? We are going to check back in with you at the end of the month and throughout the month and throughout the month to make sure you're accomplishing it. That's amazing. So okay, so I know I'm gonna see you back in the launch club. We you know we're in there all the time. But if you had any parting words, right for someone who is like yourself, who is in the debt payoff stage, who is a cadet, I know the terms are pretty like new for people, but like someone who's kind of just like in the thick of it, because this is the thick of it, right? Because, you know, your goal is eventually financial independence and being work flexible. But until then, what advice do you have for someone who's just like yourself going through this, listening, and it's just like, this is gonna, you know, just seems like it's forever. It's like, was this is really worth it? Should I be giving up my quick lunches that I enjoy. Like, what? What kind of motivation or tips can you give to anyone listening?

Veronique Graves 28:06

I can definitely say, be patient on the journey is you're gonna get there. You're just gonna stick to it. If it was easy, everybody would be doing it. So it's like, you have a group that's supporting you. And even if you're not in the launch club, like, find somebody that you can talk to about money, and keep reading, keep listening the podcast. That helps a lot. And just know, like, your money's gonna grow, your debts gonna go down. It might seem like very small, but you're gonna look back a few months even and be like, Oh, wait, look how far I've come. Right,

Jamila Souffrant 28:38

right. And celebrate every, every win, every even if it's small, it's it's a win, right? That's what I always encourage people. So stay encouraged. Journeyers, Veronique is on the path with you. She's so Veronique, I wish you all the success and but until then, thank you for coming on and sharing your story. Sure. Thanks. Mila,

Maya, y'all.

I hope you enjoyed that conversation with Veronique. I am really proud of all the strides and accomplishments she's had so far. And as you hear her say, like she's still she's still in it, right? And so I hope this gave you some encouragement no matter where you are on your journey, that there are millions of people like you who are going through it, who are every day right like they're just chipping away at that debt. They're chipping away and improving their habits and mindset and all these things that it takes to really reach your goals. And you're not alone. All right, so until next week, keep on journeying. Journeyers,

don't forget, you can get the episode show notes for this episode by going to journey to launch.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. Me to financial freedom by going to journey to launch.com/jumpstart

if you want to support me and the podcast and love the free content and information that you get here, here are four ways that you can support me in the show. One, make sure you're subscribed to the podcast wherever you listen, whether that's Apple podcast, that purple app on your phone, your Android device, YouTube, Spotify, wherever it is that you happen to listen, just subscribe so you are not missing an episode. And if you're happening to listen to this in Apple podcasts, rate review and subscribe there. I appreciate and read every single review. Number two, follow me on my social media accounts. I'm at journey to launch on Facebook, Instagram and Twitter, and I love, love, love interacting with journeyers. There three, support and check out the sponsors of this show. If you hear something that interests you, sponsors are the main ways we keep the podcast lights on here, so show them some love for supporting your girl. Four, and last but not least, share this episode, this podcast, with a friend or family member or co worker, so that we can spread the message of Journey to launch. All right, that's it until next week. Keep on journeying. Journeyers. You.

Transcribed by https://otter.ai

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