Lacy Garcia

Exactly. So I think in that sense, I think part of it is like, just give yourself grace. Wherever you are today, instead of looking at where you're not, take a moment and acknowledge where you've come from, everything that you've accomplished, all the strengths that you have that you can harness and give yourself the grace.

Exactly. So I think in that sense, I think part of it is like, just give yourself grace. Wherever you are today, instead of looking at where you're not, take a moment and acknowledge where you've come from, everything that you've accomplished, all the strengths that you have that you can harness and give yourself the grace.

And if you take that moment to find silence in the chaos, that is going to be what enables you to then figure out exactly where it is you want to get to and take the steps that you need to in the right direction.

And if you take that moment to find silence in the chaos, that is going to be what enables you to then figure out exactly where it is you want to get to and take the steps that you need to in the right direction.

Well, I think that I felt where I was was I had started my career in actually the nonprofit education in the nonprofit sector and then had moved over into marketing and business development and worked for actually one of my co-founders at Willow. We worked together at where.com, which was acquired by PayPal. And he ran data science for PayPal.

Well, I think that I felt where I was was I had started my career in actually the nonprofit education in the nonprofit sector and then had moved over into marketing and business development and worked for actually one of my co-founders at Willow. We worked together at where.com, which was acquired by PayPal. And he ran data science for PayPal.

But I had this varied background before then I got into financial services. And I came in first on the marketing and the PR side. And then I was all of a sudden, you know, got on the path to becoming a financial advisor because of my ability to connect with clients. So it was like, wait a second, I feel like I skipped. I mean, I haven't

But I had this varied background before then I got into financial services. And I came in first on the marketing and the PR side. And then I was all of a sudden, you know, got on the path to becoming a financial advisor because of my ability to connect with clients. So it was like, wait a second, I feel like I skipped. I mean, I haven't

I have an MBA and I'm like, I skipped the typical 10, 15 years of experience that you would normally get trained in that industry where you really learn how to like think like, you know, you learn everything about personal finance. Most of us don't, unless you are raised in a family

I have an MBA and I'm like, I skipped the typical 10, 15 years of experience that you would normally get trained in that industry where you really learn how to like think like, you know, you learn everything about personal finance. Most of us don't, unless you are raised in a family

are in an environment or have a teacher or a mentor or life experience that really teaches you about the value of money, about personal finance, you really, we just were not raised to necessarily be smart on these things. You were raised to work hard, get a good job, try to make as much money as possible, but then it's like, go, then save, invest.

are in an environment or have a teacher or a mentor or life experience that really teaches you about the value of money, about personal finance, you really, we just were not raised to necessarily be smart on these things. You were raised to work hard, get a good job, try to make as much money as possible, but then it's like, go, then save, invest.

And it's like, wait a second, but how do you do those things, right? It's like, There were so many things. I mean, and I'm Cuban. I'm a daughter of a Cuban refugee. So I can share, you know, there's things that I was raised that any debt was bad, which is not the case. There's a lot of good debt. And so I didn't have a credit card until I was in my mid-20s.

And it's like, wait a second, but how do you do those things, right? It's like, There were so many things. I mean, and I'm Cuban. I'm a daughter of a Cuban refugee. So I can share, you know, there's things that I was raised that any debt was bad, which is not the case. There's a lot of good debt. And so I didn't have a credit card until I was in my mid-20s.

If you don't have a credit card, you don't build credit. Yeah. And I actually started all of a sudden kind of woke up and was like, wait a second, I had a bad credit score in my early 20s. And I was like, I haven't even had a credit card. But it turns out that I had like, library books.

If you don't have a credit card, you don't build credit. Yeah. And I actually started all of a sudden kind of woke up and was like, wait a second, I had a bad credit score in my early 20s. And I was like, I haven't even had a credit card. But it turns out that I had like, library books.

that was the only thing this is back in the day now longer they can't do this anymore but in New York City I literally I was like how do I have my credit it was from like a whole library so there's these are things that you you just don't and I feel my education and my at that time two master's degrees I was like how is it that I didn't know this I'm totally ashamed and embarrassed that I had no idea that I had to start building my credit and that

that was the only thing this is back in the day now longer they can't do this anymore but in New York City I literally I was like how do I have my credit it was from like a whole library so there's these are things that you you just don't and I feel my education and my at that time two master's degrees I was like how is it that I didn't know this I'm totally ashamed and embarrassed that I had no idea that I had to start building my credit and that

and buy a home or loan a car, all these things, you don't have the credit to do it. So these simple things, so that's where I was definitely in a place where I'm like, a lot of these things that I felt like I should have known, I didn't know, but I'm surrounded today still by absolutely brilliant, successful people people who didn't grow financial professionals.

and buy a home or loan a car, all these things, you don't have the credit to do it. So these simple things, so that's where I was definitely in a place where I'm like, a lot of these things that I felt like I should have known, I didn't know, but I'm surrounded today still by absolutely brilliant, successful people people who didn't grow financial professionals.