Hi guys, welcome back to this channel and if you so first time to come across this channel, consider subscribing by the way, don't forget to click the bell icon Don't forget to hit the bell icon, it will be the only way that you'll be motivated or you'll be updated when I upload a new video For the returning subscribers, thank you so much for coming back to this channel, if you're new to this channel, please consider subscribing and supporting this channel I'm still trying to, I'm still sharing with you my first day as a security guard in Kathar Remember, for the first video we talked about arriving at the airport and also my first day as a security guard at work, which was quite very interesting For those people that watch that video, at least you can try to link up with the second video of this video, then you can know how the whole story ended And this is the second video, or in today's video, I want to share up my experience when it came to shopping and cooking for the requirements I had at that time Remember, most of the time when we are coming from our countries and the agents will tell us a lot of stories or they will definitely tell you sending stories because they need money or they need whatever they see They will tell us you should pack food, you should pack this, you should pack beans, you should pack pocho, you should pack this, you should pack this and you should pack this So they told us also those things and we packed, for those people that know the first time you come, you definitely know what you pack You even end up packing matoki or you end up packing bananas If you're coming from Kenya, you end up packing okali, you end up packing omena But remember, to some time in the airport when they are very strict, they will definitely remove those items because they are unaccepted by the customer But when you are so lucky enough for those few items that get to stay inside, a few items that definitely would stay inside your bag You just have to accept it and allow and say, yes Konya has allowed me to go this Remember for the first time you come is that you're going to work for a full month without pay But remember what happened to us was a little bit very different and I think it also happens to companies here when you come for the first time They will give you an adverse money, probably they will give you an adverse money which is almost around 300 kt Depending on your extent rate, depending on your country, that will give you a start up for that money as you go through the month But remember, when the month gets off, when your food suddenly comes at the end of the month, they will deduct that amount of money they owe to you that they gave you when you came And this was the time that we gave them that to go and start So what happens as continuous days came, we taken to office Remember for us when we came the first day, we came like today at 3 o'clock, we came at 3 o'clock, we are taking accommodation The next day we reported duty because they needed extra people to go and work in that duty location So we had no choice, we had to go and take up our duty without even induction, without even anything Remember some companies don't give induction at that time So let us go in the video, we go about that, we go in what happened is when it came to what you call shopping and cooking Remember we had code office and we given 300 kt each of us that to do our shopping to make us upkeep at the time And good luck enough, me I really had some food with me, so I had some food, I had some pocho And I had some beans that I carried with me, like any spatula that could be, like any person who is prepared to go in a war You need to carry something that will get you up high, please When you came to the airport, they are not good out of my my my my luggage, I still had them So some people went with that, of course you needed to have something at that time You needed to buy for yourself a shoe, if you didn't have a black shoe to start up your work If you didn't have a belt, you needed to buy for, for this type of company Some companies understand, they will not give you that So this time, as like what I had to do with the money is that I had to try to go and shop something Try to shop some little bit of food, some little bit of say I looked at a sauce because I didn't have sauce At that time you don't cook beans because you are using gas and remember You also don't have what to cook in utensils The first time you come, the most hardest part is what you call the cooking utensils Remember in some companies that you have to cook for yourself So when you have to cook for yourself, then probably you need to have what to cook in utensils And you need to buy, you need to buy this cooking utensils So meaning that what they give you out of what they give you the 300 In case the company gives you, in case that company is not providing food And you want to provide food for yourself Then probably you have to go, you have to buy cooking utensils And depending on how much and depending on the size that you want But remember, the first time that you don't know exactly what it is And this is where you go to a shopping mall Or you go to any shop to buy And you see the prices of it all So what happened was like super, super, super fun I remember that time and this was sometime I had I had to kind of act with myself And I was like these kinds of tips, these kinds of tips How, what happened exactly When I went to the mall Super big malls where you see every item is inside Every item is super inside that It's fully stocked, their malls are so big and fully stocked So wherever you take your eye to another corner You see something Wherever you take your eye to another corner You see something beautiful But remember the money you have is You have supposed to buy the money you have For the first intensives that will make you move through the month So this is what happened So I went with my friends We went to the mall to buy cooking utensils And did all the prices depend on Which kind of size of utensils you have And you may find that You may want to buy a smaller utensil But it is highly priced Compare to the big utensils That is going to accommodate like 5 people That is what was challenging with me When I went to shop it I was like Why these people doing like this one So I went to that shelf To those shelves where they had cooking pots Or cooking utensils And I would look at the small utensils They have bigger prices Compare to the big one I was like What is this guys doing I moved to the second shelf There was another second shelf Where by They had a pack It is a pack of 5 A pack of 3 Small, medium and big Those are 3 packs of it And so cooking utensils But you find that these packs Are more expensive than even the money you have So what option do you have Is to buy these single ones Remember This is a situation whereby You are living in a room But you may not be living in a room Where you are living with your friends From the same country You are living with nationalities Coming from Nepal, Bangladesh, India From different nationalities And each nationalities Have different favourites Cuisines that they eat So you will not wake up To add your cuisine With another person's cuisine You definitely have to take care of yourself That is where now I normally tell people That you need to have what you call Extra Extra self skills That you need to have To make you survive And exactly If you get to watching One more of my videos I gave some of those skills That you need to have When you come to the Gulf Which is quite Very, very important For you to have Because it was the only We need to survive So I had to make sure That I divide the 300 I have To make sure I can buy A cooking utensil at that time That will never cook me And remember We are told Every time you go to You supposed to be smart So I needed a flat iron I needed I needed I needed food I needed the ingredients So What was so funny with me I got my mobile Remember as I was coming As like The first thing you do Is probably You need to check And as like What is the exchange rate If I have 1,000 If I have 300 kathariya here And you try to equate it To the exchange rate To your country Then you begin Now I need to spend 200 I need to spend 150 I need to spend this one So that was what happened So I got a piece of paper And paint I would write After writing I said This one This cooking pot Is 100 kathariya So I'll convert 100 kathariya To my country And I was like No, this is big I'm not coming by I got on this So I ended up Being in a shopping mall For almost 3 hours It was very funny Being in a shopping mall For 3 hours Because I was Trying to convert the prices Back to my country To buy What I need Just imagine Can you imagine If it is you What would you do? If it is your first time Or if you remember Your first time When you came To the Gulf country To work It may be any other job And you had to look for Cooking utensils Or you had to look for Grosally for yourself What did you do? You remember whatever Any funny things That you did It is what I did So for 3 hours I'm trying to convert Everything I put in paper Back to my country Then I see Whether I can buy Or not buy I went to the ingredients I look at the tomato I was like 1 kilo of tomato Is at 8 real 10 real I was like What is this one? I convert 10 real To my country I'm like I'm buying 1 kilo of tomato At 8,000 I was like 8,000 It is Not acceptable And what is a kilo? You find a kilo has 3 tomatoes I was like No I'd rather look for Tomatoes are very cheaper So in that course You end up moving The whole mall Or you end up Being on the same shelf For a long period of time Because you are looking at Small tomatoes That are going to make up a kilo So you don't spend a lot You go to kitchen You go to chicken You look for chicken I was like This bar This gram 500 gram Is 15 real 1 kilo Is 30 real 2 kilo Is 50 real You go to rice This 1 kilo 5 kilo This kind of rice It is 25 real This kind of rice So meaning that Each item Each brand Here in Qatar Is sold A different amount of rice And what I need to let you know If you are coming for the first time Or what was my experience at that time I didn't know That everything Is measured in kilo Because in that country We are not used to kilo We are used to lobster Where you go to the market And you buy a whole lot You go to buy tomatoes You are buying a whole lot of tomatoes And that whole lot of tomatoes May be contained May be 50 tomatoes And that is at 1 real Or even less than 1 real And you have But I didn't know That this time That what we are supposed to buy Each of these we are supposed to buy In kilo And apart And other items For example rice and foods Would be measured according to the brand And which country they are coming from So it gave me her 10 That's why I spent more hours In the mall And remember I have to go back to ko So I took Of 3 hours trying to budget Trying to budget that money That I can still remain With some small amount of money For me to keep in my pocket In case of a margins So I calculated everything I calculated It was just fun for me Because what reminded me Just reminded me back The school time Where you need to calculate Your dad is where you need to calculate Your food That is given for you To finish up the time When you are in a boarding school So I was like By the time I got out Of the shopping mall I was super tired And guess what What I was carrying out Of what I spent Was just something That you would lift up And do like this That got me so much Much better I was like This is not acceptable This is stealing me Like in my life I was like Now Something came in my life I was like now I need to begin up I need to change my strategy I need to change my goals I need to change myself And that is why I say That the beginning of the change Of the mind Began from that experience From that day It gave me one It gave me one lesson That you need to plan Before you go to spend You need to know That you should spend You should not spend More than what you earn That was one lesson I learned And something else It showed me Or it taught me a lesson That before you go to shop Vis a number of those Nearby shops And try to Try to compare the prices You never knew the neighbor May have a cheaper price And you go to buy In that space And what something else came in I go to learn is that Most of these shopping malls They sell the same price Like they would sell to other people That have the money Especially the nationals Or people who come to spend Like they have families And they have But good thing that I found out in these malls That they do have offers Where you will find that You will find a pack of soap A pack comparing A pack that has Four or ten bars of soap And it's sold at Maybe ten real Or three real Meaning that If you go to the promotion side You can still access Keeper commodities Or access Or buy goods At a cheaper price And still more on that It just taught me a lesson That one was the other That you can still When you go And you feel that Your money is not enough What you want is not enough Look for smaller items That will make a kilo A little bit bigger That by the time you Make a kilo If it's going to be An onion And a kilo is four real Or three point five Kataliyal With an onion What you do Is that you look for The smaller pieces Those ones The smaller onions That by the time It makes up a kilo At least you have You have too many onions Or you have too many bags Of onions in the bag That kind of one So it was quite challenging When it came to grocery When it came to cooking food Kuking Remember you have to cook For yourself It was something else That was a little bit challenging You know Most of us Most of the people Do not want to learn How to cook Especially in Africa It's not mandatory That you have to learn How to cook Because we can still Access food cheaply Maybe side roads Whenever you have to go And down So this was the start Of the journey That you have to cook For yourself You have to learn how to cook Remember This time Provided We call gas And gas cooks Food very fast And leave a new light In the gas itself It's also We need to It is a skill that you need Because you never know What will happen You're not used to To lighting gas And by the time You get light up the gas We're here in this month This mail coming out of the gas And the only thing That comes in your mind Is that I'm going to Be killed by gas So you mean If the first time You're flirting And you don't know Is that you may not End up cooking Every time you see gas Like They told us gas Kills And when it kills you Everyone will Perish up in ashes So you like me And you don't cook And even the style of cooking What you're going to cook What you're going to cook Measure how much You're going to cook What is your code What is the time So it also became A little bit very Haswan But good enough As time moved on As time went on I learned how to cook myself And I had a little bit Some skills from My country Whenever I had to come from I just thought Mam Used to pick me up Remember Those times they would beat us And tell you The dates you cook in time And you would cry the whole night The whole day Because you don't want to cook But remember Back in the mind Appearance we are taking us That something You could face a challenge Where you have to Cook for yourself And this is what Exactly happens When you come to This Gulf countries That when the company Is not providing for you Food You have to cook for yourself You have to have it And so You have to make sure You cook So much money That you're not going to To save And you're going to Eat in the restaurant Or you're going to pay At a monthly fee To a given restaurant That will give you For every day But remember If a person That came to save And you have dreams That you're chasing It's better you Could learn how to cook For yourself As such You can try to save The excess spending And exactly That's what I did That I said No I need to cook For myself Whatever I do Or cut myself Make sure I cook bad food But I need to learn And I need to know How to cook And try to save The little bit Of what I have For the time And good enough As time went To like After my probation period Definitely I was a very good cook And I'll live And get to smile Of myself And I like his Everything You have to learn My voice And even the Vendome itself Around you Will have to enable To learn And do You learn Definitely That things That you're going to learn And you may learn them Accidentally Or you may learn Them because Of the nature Of the life That you live in But remember It's after some time That I'm going to help you And you're going to see That really It was It was worthy It was worth For you to learn That kind of activity At that time So very important Thank you so much For coming back to this young I hope I've tried To share This experience And that was really Very very important For the time So actually very good So if you like This video Please give it a thumbs up And to make me more And more motivated To make more content If you feel the video Is very important Just share it with your brain The person is planning To come to this country That most of the things These things are real And this is exactly What you need to go through Thank you so much For coming back to this channel And thank you so much For supporting Next Next From the next question


So you explained how we can transition to being augmented translators and augmented subtitlers. But I have to play devil's advocate here. Surely there are some skeptics watching us who are thinking with all those technological changes and all the advancement and what will happen with the certification one year time or two years time? Is it really testing universal skills or is it testing things that will disappear in the near future? What would your answer to such skeptical viewers watching us? Well, it's important to think about that, obviously. I think that the certification will have like a window, a period when it's open. People will be able to see the exam and then it will last for two week time. I don't know, I'm just making up the window, but that's the idea. But every time the certification will be revisited, the content will be revisited in such a way that is appropriate for the context or the kind of changes being introduced. As I said, other bodies can really work on the newer versions, on the integrations and the training to prepare candidates. It's continuing education. It's important that this happens and this is the understanding we have. It needs to be appropriate for the time. And with all these changes taking place, it's a fast pace. So we need to be aware of this and making sure that the certification is still standard and it's not outdated. So perhaps in a way being an expert is not the end game. It's a continuous path. And you mentioned the role of continuing education and professional development. So perhaps some people are wondering, is this certification? Is it going to be valid for life? Will they have to retake it after some time? Obviously as professionals, we need to keep being trained and keep practicing throughout the whole of our current career. And I know as the certification is being set up, you might not know the answers to all the questions. Some things are still left to be decided, but perhaps you could give us a sneak peek into what's to come. I'm not sure about this. It's a very good question, by the way. And we are in discussion right now. We are trying to understand how it will develop and what we need to add there. But I cannot give a specific answer on this, but thank you for the question because it's inspiring. And I will take note.


Hello, and welcome to this presentation of the STM32L5 Low Power Timer, or LP-TIM. It covers the features of this peripheral, which offers a set of timing features and can generate waveforms even in low power modes. The Low Power Timer peripheral, embedded in the STM32L5 microcontroller, provides a 16-bit timer that is able to run even in low power modes. This is made possible thanks to a flexible clocking scheme. The Low Power Timer peripheral provides basic general-purpose timer functions. One major function of the Low Power Timer is its capability to keep running even when no internal clock source is active when configured in asynchronous counting mode. The Low Power Timer's main feature is its ability to keep running even in low power mode when almost all clock sources are turned off. The Low Power Timer has a very flexible clocking scheme. It can be clocked from on-ship clock sources, LSE, LSI, HSI-16, or APB clocks. Or it can be clocked from an external clock source over the Low Power Timer's LP-TIM in one input. This latter feature is used for building pulse counter applications and is a key function for metering applications like gas meters, etc. The Low Power Timer features up to eight external trigger sources with configurable polarity. External trigger inputs feature digital filters to cancel out faulty triggers that could be raised in noisy operating environments. The Low Power Timer can be configured to run either in continuous or one-shot mode. One-shot mode is used for generating pulse waveforms, while continuous mode is used to generate PWM waveforms. The Low Power Timer is a peripheral with two clock domains. The APB clock domain contains the peripheral's APB interface. The Kernel clock domain contains the Low Power Timer peripheral's core functions. The Kernel clock domain can be clocked by internal clock sources, or by an external clock source through the timer's LP-TIM in one input. The Low Power Timer peripheral embeds a 16-bit counter that is fed through a power of two pre-scaler. The Low Power Timer peripheral features a 16-bit auto-reload register and a 16-bit compare register that are used to set the period and duty cycle respectively for a PWM waveform signal output on the timer's LP-TIM out output. The Low Power Timer features a repetition counter, which allows adjustment of the counter rollover. The Low Power Timer features an encoder mode function that can be used to interface with incremental quadrature encoder sensors using the peripheral's LP-TIM in one MUX and LP-TIM in two MUX inputs. Both inputs feature glitch filtering circuitry. The LP-TIM-CMP and LP-TIM-ARR registers in conjunction with the bitfield's wave from the LP-TIM-CFGR register and SNG-STRT from the LP-TIM-CR register are used to control the output waveform. The output waveform is either a typical PWM signal with its period and duty cycle controlled by the LP-TIM-ARR and LP-TIM-CMP registers respectively, or it is a single pulse with the last output state defined by the configured waveform. If the last output state is the same as the one at the waveform's beginning, then one pulse mode is configured. If not, then set once mode is configured. The Low Power Timer's output polarity is controlled through the WAV-POL bitfield in the LP-TIM-CFGR register. The Low Power Timer features a counter reset function used to reset to zero the contents of the LP-TIM-CNT register.  A synchronous counter reset is performed by setting the count RST bit. Due to the synchronous nature of this reset, it only takes place after a synchronization delay of three LP-TIM-CNC cycles. When the RST-ARE bit is set, an asynchronous counter reset is performed on the next APB read access to the LP-TIM-CNT register. The Low Power Timer features an encoder mode function that can interface with the incremental quadrature encoder sensors using the peripheral's input 1 and input 2 inputs. Both inputs feature glitch filtering circuitry. The encoder function is similar to the one embedded in the general purpose timers. In order to use the encoder mode function, the Low Power Timer must be running in continuous mode. One important thing to note is that only Low Power Timers 1 and 2 embed the encoder mode function. The Low Power Timer peripheral features nine interrupt sources. The Compare Match Interrupt is raised once the content of the counter register LP-TIM-CNT matches or is greater than the Compare Register LP-TIM-CMP content. The Auto Reload Match Interrupt is raised when the counter register's content matches the Auto Reload Register's content. The External Trigger Event Interrupt is raised when a valid external trigger is detected. The Auto Reload Register write completed, the Compare Register write completed, and the Repetition Register write completed interrupts are raised when the transfer of the content of the LP-TIM-ARR register, the LP-TIM-CMP register, and the LP-TIM-RCR register respectively is completed from the peripheral's APB interface logic into the peripheral's core logic, which are contained by two different clock domains. These three interrupts are useful in mitigating the overhead of polling on the status of writing to these two registers when the peripheral core clock is too slow compared to the APB interface clock. The up and down direction change interrupts are raised when the encoder mode function is enabled and the counting direction is changed from up to down or vice versa. The counting direction of the low power timer's counter reflects the rotation direction of the quadrature's sensor. The update event is raised when the repetition counter underflows and the LP-TIM counter overflows. The low power timer peripheral is active in run, sleep, and stop power modes. The low power timer is able to wake up the microcontroller from either sleep or stop modes. The STM32L5 devices embed three LP-TIM peripherals, where only LP-TIM-1 instance embeds the encoder mode. Wake up from stop zero and stop one modes is supported by all of LP-TIM instances, while wake up from stop two is only supported by LP-TIM-1 and LP-TIM-3. For more details, please refer to the following documentation available on our website.


My name is Derek Wilkinson. I'm the Chief Engineer, Chief Petty Officer, Marine Engineering, and this unit is HMO's exploit. So basically we're acting as the OPP for, so the Opposition Forces for the Baltic exercises. Basically this is a P2000 class initial patrol calf part of the first patrol boat squadron of the Royal Navy. The service is fantastic. People are really friendly. This bolt-ops and keel week is amazing. I was here two years ago, had a great time. With the political situation around the globe and all of that, the Allies up around here working together, seeing how other navies work is very beneficial for all concerned, I think.


Welcome to Dare to Dream. This is Debbie Daschinger, and this show is sponsored by Dr. Dane Here and Access Consciousness. They do beautiful work out in the world, and if you're interested in their classes, their books, or to become a facilitator, just go to drdanehere, H-E-E-R.com, as well as accessconsciousness.com. Dare to Dream has been nominated for two People's Choice Podcast Awards, as well as a Webby Award. We are listed in the top 50 best podcasts in all of USA, as well as many other countries, and literally this week, we were trending in the top podcast in St. Lucia. How beautiful. So thank you so much. I pay attention to all those statistics. Great to have you aboard. My question to you is, how can we lead a core, blissful, and wealthy life? I personally believe that they are all connected. My guest today is Monika Sawyer, a friend of mine and a colleague, and she is known as the Blissful Millionaire. Monika reached her financial freedom by turning $10,000 to over $5 million, working only five to 10 hours, most times per month with very little stress. She is now on a mission to help as many women as possible to do the same. Monika hosts the top rated podcasts and radio show, Real Estate Investing for Women, and has interviewed prestigious guests over the years. She's also been featured on stages with Suzanne Summers, Martha Stewart, Ice Tea and Cocoa at places like Nasdaq Marketplace, Harvard and Carnegie Hall, and on TV, on NBC, CBS, ABC, and Fox, reaching over 150 million people. If you'd like to learn more about her, you can go to blissfulinvestor.com. And Monika, I welcome you to Dear to Dream. Great to have you. It's so nice to be here, Debbie. Thank you so much for having me. Yeah, finally, I feel- I know. We've been working on this one. It's been a couple of months in the making, and you are here, and you know what's kind of amazing to me as we're saying that, because I feel like the timing's really perfect with everything going on to have this conversation because when you talk about very little time per month, turning that kind of money into the kind of money you're living on now, and very little stress, and that you're adding wealth and bliss, I think these are very attractive commonalities that not everybody would put together, but that many people desire. Absolutely, especially now, we're so aware in the world of sort of what our deepest desires are and where we want to go. And if we start to really look at our lives, we look at what is that bliss, and how can we get there?  So real estate, is that something you always did? How did you get started in real estate? How long ago? Yeah, so real estate, it's so funny, right? You talk about blissful wealth and people are like, what? Real estate, what are you talking about? So let me actually just back up and connect the dots a little bit here. Does that sound good? Yes, please. Yeah, so okay, so first let me define bliss so that everybody kind of understands what I'm talking about. So bliss from my perspective is a deep sense of joy and contentment and the confidence that you can handle anything that comes your way, okay? So now what does this have to do with blissful wealth? Warren Buffett has been known to say that if you can't control your emotions, you can't control your money. So if bliss is about emotional mastery and emotional resilience, you can imagine now, based on what Warren said, right? Mr. Buffett, why this is relevant? So for me as an investor, it's been very, very important to create that blissful state of mind so that I can be successful. Now, why real estate? This is so random. I actually got into real estate kicking and screaming. I did not wanna be a real estate investor. What did you go to school for? Can I ask you? Yeah, I went to UC Berkeley for business. Okay. So I wanted to be in business, right? And I had all these ideas of what I was gonna do, but I come, I'm a legacy real estate investor. I come from a family that invested in real estate. Interesting. So my parents started, I'll just tell you this, my parents came to this country with $200 in their pocket as newlyweds arranged marriage. And they come to this country and my dad had heard that the golden ticket to wealth here was real estate. So when I was born, you know how this is, right? They have a new child, their hearts are filled with love and joy and hope and excitement.  And so they started saving all of their nickels and dimes and they started investing in real estate. And so then you fast forward and they paid for my college education through real estate. They paid for the same for my sisters. They paid for weddings. Anyways, so they did a lot. So you really got to see what real estate could do, right? But on the other hand, I also saw the stress. I saw my dad freaking out about mortgages. I saw renters calling at two o'clock in the morning. I heard all the horror stories that many of us can kind of relate to, right? That we've heard. And so by the time I was a young adult, I was like, no, thank you. I wanted to be happy. That was my highest priority and real estate was not the thing I was gonna do, right? So one day, I remember when I finally graduated from college, I graduated during a recession and couldn't find a job. So to think about this, I went to business school at UC Berkeley and I couldn't find a job that was just horrifying, right? That's so wrong too. That's like, that should be a ticket to somewhere. I know, exactly. So I'm like sitting there and I'm a really independent woman. You know me, Debbie, like I wanted to be independent. I wanted to have my life on my terms. And for me, I really got that that meant I wanted to not be dependent on anybody else, right? Emotionally, financially, physically, anything.  So I remember sitting on the dinner table one night with my dad and I was telling him about all my stress and I was freaked out and how was I gonna do this adulting thing? And you know, all of that. And he said something to me over the table that changed my life. As I was saying, I don't wanna get into real estate because it's so stressful. My dad said to me, you know, Monica, everybody has stress, everybody has fear and everybody has money problems.  And they go, Mike, that's good. And in that moment, the thought that I had was rich people have money problems, right? I was like, what? But in that moment, I did decide that that was the path that I was gonna take. And so that's why I ended up getting into real estate is sort of this, okay, I'm gonna have issues anyways. I might as well have good ones. So that's how the journey started. And blissful investing. So I just wanna say from my point of view, I'll tell you how I resonate with your words and these are your words, blissful wealth, blissful investing, why I like them is because my highest value is freedom. And I have learned the hard way that finances are freedom, meaning having them means freedom, freedom to do what I wanna do, travel, have what I want. I also love self-development, healing workshops, energy work. That means I have the money to do that and see people like that, that I can come up to Northern California and see you when I want to, a doctor when I want to or anything magnificent that's going on or if there's a health issue, I can take care of myself for a dental issue or buy myself beautiful food, we can all make a list, comma, comma, comma. That to me is bliss, that to me is freedom. So what does it mean to you, blissful and investing together? Yeah, and that's exactly what it means. It's freedom of time and choice for me. So really that financial foundation allows us to have the comma, comma, comma, right? All of those things that we want in our life. But here's the problem. How many people have you met that are rich and have all of those things that are not happy? You know, the people I know who have money, they're not unhappy. I know a lot of people who, they have pretty amazing effing lives, if I can be honest, you know, your trips and their, you know, acquisitions and what is available to them. Yes. And it's pretty beautiful to me. Good, but I think, and that is amazing. And you know what, we become who we hang out with. So good on you, right? But I think that a lot of people who are listening might have that experience. If they know a lot of people have worked really, really hard for their money and they're not happy. They're not getting the time with their families if they want. They miss their children growing up. They're not getting time. They didn't get time to say goodbye to their mom, you know? Or you know, there's a lot of priorities that we have in our life that working hard kind of stands in the way of. And so a lot of the times we're making money but we're not standing by our values or our priorities. We're putting money as the highest priority. And for me, my big thing is put you first, your core values, your priorities, your true goals, not the goals that people tell you you should have or you think you should have, but the true goals that come from deep inside of you. And then you build your wealth based on that and you pick the strategy, the vehicle, the job, how much you work, all of those things based on you first. And then you build those other things, right? And that's how we create it blissfully so that you can enjoy the journey to wealth, not just the end goal, right? Because the end goal is never gonna be enough. That's the one thing that we all know I think as humans is that we're always, most of us striving for the next thing, right? So if really the only time you're gonna feel bliss or joy or freedom is when you get to the end game, well, then that's not gonna be enough because then there's gonna be another end game, right?  Okay, this is so huge. So I got this big aha while you were saying that. And I wanna ask your advice. I have a client who's just coaching he and his partner. This guy is so brilliant. And I always feel so blessed about who I get to work with. He has an incredible story. He's an amazing writer and storyteller and speaker and I could go on. But our particular conversation this week was that he keeps not doing what he says he's gonna do and why I'm coaching him. And he feels terrible about it. However, his job keeps pulling him away. And he went so far as to say, this job is killing me. I don't even wanna do it. It's not my passion, but I can't leave it because I'm so successful there. So here are these other things and he talks about, oh, if I've asked him, if you could have your way, what would you do? I would write and I would speak and I would, and it's like, so what would you say to somebody who's clearly leaning toward wealth without bliss and missing that element of what he really came here to do? Why is he staying in it if he's really successful and he doesn't like it? What is the thing that's making him stay? Is it the money? Yes. Because it pays for his lifestyle? That is correct. Okay, so I used to be a coach for executives that had a very similar problem where they had these really successful businesses. They had beautiful marriages, they had lots of stuff. They had the cute dog and the cute kids, right? But they were sort of miserable. They were like rich and miserable. And the very first thing that I would talk to them about is, well, okay, so you've made a decision inside of you that you wanna continue to keep this lifestyle, right? So the very first choice that you could make is to quit and change lifestyle, right? That's the first choice that we can make. A lot of us, that's a hard choice to make to go from living this lifestyle to a completely different lifestyle, right? So if that's the case, what you need to do is realign what you're doing with your big Y and your core values. So let's say, for instance, he's, whatever he's doing, he's miserable there. Well, he needs to find out why he's miserable and turn that around, because that's really a mindset thing, right? So if you, if he can do, and actually if you go to, I wanna see if I can remember the URL. I think it's blissfulinvestorforbidslashvalues. There's a value exercise that he can go to and just go through his values and then look at what he's doing for a living and see if they align. Now the thing is that they may not align on the surface, but if he digs deeper, he might be able to find alignment in his job just by looking at it a little bit differently. So the very first step is just to find the common denominator between your heart and what you have to do for a living. And then once you can find that common denominator, now you can use that as a foundation to start building and then instead of resenting it, now it's a tool, that job is a tool to create the next step in your, it's sort of in the path or journey of your life. Does that make sense? Yeah. Yeah, this is a guy who doesn't like his job because he's so busy, it constantly, he can't even do this stuff, he loves on the outside, it's just chronic. But tell me that URL again, because I will send him there. I think that's a great idea. It's blissfulinvestor.com forward slash values. I wanna do it too. Yeah, I recommend it to everybody, forward slash values. Slash values, okay. Yes. And you know, this thing that we talk about where people are so busy, it takes so much of their time, please forgive me for sort of the tough love thing, but you're the one that commits to that time. Yeah. No job owns you. If you're successful, like, okay, so how are we defining success? I'm so successful because I make a lot of money working so hard. You know what, if my husband spends an entire 10 hours or work and feels like he needs to work late at night, I don't consider him successful. I consider him squandering his time. Okay, I love this. Okay. Right.  I am sure everybody wants to know when you talk about only working five to 10 hours, we're not even saying a week, five to 10 hours a month. Yes. How do you sustain that lifestyle and still bring in a comfortable living? What are you doing? Yes. So I will be really, really honest. It didn't start that way. You have to set up your business and systems and really became disciplined and developed good habits in order for that to work, right? But the way that you create the discipline and the good habits is you put in the time on the front end. So I would say for the first few years, I put in a huge amount of time into my business. Now I was working in corporate. So a huge amount of time was maybe five to 10 hours a week at the time. So it wasn't huge, but it was a lot considering that I was already working 50 or 60 hours a week, right? Cause I was in corporate too, right? But what I did is I figured out how to build all the things that I needed to build a business so that then I could step away from it and it would run itself. So the very first thing is you figure out what you want to do, right?  I wanted to move from corporate to taking care of myself, right? I didn't want to have a job. So you sort of set up the plan. What it is that you want to pursue, I decided on real estate investing. And then as I'm going through the process, I take notes, I'm setting up systems, and then within a couple of years, when I would go through another transition or I would have something come up, now I had all my notes, which kind of became manuals of operation. Now those change constantly, right? But at least you've got your base. So you're not reinventing the wheel every time. A lot of what takes our time in the business world is reinventing the wheel, right? So if you can delegate stuff or if you can create systems, both of those things really help you to recover so much of your time. So now, here we are 20 years later, and I don't actually work five to 10 hours a month. I frequently work zero hours a month. Oh, I might spend 15 minutes to deposit a rent check. But that's what I do. But what happens is, for instance, we have one of our houses. There was a big storm here in California three weeks ago. One of the houses, the fence blew down. So I had to go meet with a guy to fix the fence. He's coming next week. I met him, it took me a grand total about a half hour to deal with that. If I have someone leaving and I have a transition happening, I might have to spend some time on that or fixing up the house and dealing with handyman and stuff like that. So over a year, I might spend between 40 to 80 hours a week, 48 to 80 hours total. But then if you divide that over 12 months, it works out to 40 to 40 to, wait, is it 10 to five to 10 a month, right? So I do have their times and their chunks where I really have to pay attention. The rest of the time, I don't even really worry about it. So I say that split up because it doesn't make sense the other way. But I will be really, really honest. I mean, it doesn't take that much of my time. And when it does, because I have so much flexibility because I have my blissful wealth that I have all this freedom of choice and time, well, that's okay. I just open up my schedule during that time and I handle it and there's no stress around it. Well, you describe, just give us a couple of examples when you say you have developed systems and this is genius, by the way. I love that you have created an architecture, if you will, for your business so that you can literally extricate yourself and allow it to run on its own, this is genius. So when you say develop systems, can you give us a few examples of the kind of systems after you wrote everything down and had a manual of operations, then what did you implement that allows this to run? So I'll give you my secret sauce. Ooh, yes. I don't actually tell many people this but I'll give you my secret sauce. There's two systems that are imperative to make my business run the way that it runs. Actually, there's many systems but there are the two that I think nobody else really talks about. The very first thing is I choose my business partners first. So for me, my tenants are my business partners. They're not just my tenants, they're not just people who are living in my house and holding it while it appreciates, they're not just paying my mortgage. These people are my business partners because they are the single biggest factor that's gonna determine whether my business is blissful or not because they're the ones that are in the home, right? They could call me at two o'clock in the morning asking me to change light bulbs. They can call me with toilet problems. They can make my life miserable. They could not pay rent, right? So understand that they are the single most important people to make it my business blissful. So I chose them first and what do I mean by that? Who is it that I wanna be in business with? Right? I decided I wanna work with executives. I was an executive in corporate so I can kind of relate to that mindset, right? What is it that I love about that mindset? They do not want some landlord breathing down their back. They do not want to be on someone else's schedule. They want to be able to control their own schedule. They do not want someone walking through their house and asking questions and they want to be able to entertain and look really good, right? Now think about that as a tenant. That person is gonna take really good care of a house. They're gonna need a house that looks good. So when they do stuff, it's gonna be done right. They're gonna do it timely and they're gonna be willing to handle all the things that happen in the house. What does that mean for me? I, the next system, so I pick them first and then I purchase houses that that kind of person will wanna live in, right? And then I move them in, then the next system is training them to keep the rental house as if it's their own property. So I train them on, if something goes wrong, here are the systems. I've got my little manual. Here are the systems that I go through. You try it a few times. I'm willing to help you through it. Let's talk about it. Let's talk about what worked and what didn't. You pay for things, take it out of the rent, send me receipts and we're done. So those are two big systems that now, tenants call me to say happy birthday and Merry Christmas. They don't call me because there's problems in the house. Does that make sense? Yeah, taking care of and nurturing your investment property. This is, and it's a win-win. I hear you saying that because they get their autonomy. No one's breathing down their neck. They have a great place to live and they're also not paying for all these fixtures. They're taking it out of the rent. This makes sense. Let's say that somebody's listening to this, Monika, and they're like, okay, this is my first time, but I'm very interested in what you're saying. What is the first thing that a first-time investor should do so that they can get started toward a blissful, wealthy life of investment? Well, I'm gonna sound a little bit like a broken record here. But you really do need to know yourself. So go to the Values page and pick, sort of figure out your values because I always tell people there are a million ways to make a million dollars in real estate, but you don't wanna get caught up in the shiny object syndrome or in somebody else's idea. You want to pick a strategy that's aligned with your values, right?  So let me give you an example on this. All of us have seen an HGTV in these beautiful homes, right? They go from yucky to yummy, right? They're like amazing. And it took 30 minutes and she's wearing heels with a big smile, right? So wow, this is easy. Well, I will tell you, flipping is one of the most dangerous investment strategies you can pick. However, it is such an adrenaline rush. It's so cool. But most people go bankrupt on flipping just so you know, okay? This is very interesting to me. Okay, why is that, may I ask? When you're flipping, you have to buy exactly right and sell exactly right and the whole process, everything has to be exactly right. And the thing is that I've found that and it can be done, it's very stressful. It's very difficult. And usually your first couple will go wrong. It'll take longer than you expected. It'll cost more. You don't really know what to expect.  It's not all glamour and glitz. There's a lot of yakias that happens. And so people go in, if you've got deep pockets, if you've got some money, it's okay. If you've got some time, it's okay. But if you need to make that money, you know, the way they talk about, it's just really, really hard to get it right the first few times. And a lot of people get stuck with properties that they can't sell. And then they don't know how to rent it or they have too many loans or there's all this other stuff around that that now they're stuck. They don't know what to do. So that's just one strategy. There's a lot of different strategies. For me, when I took a look at my core values, you can imagine what my first core value was. Less, right? For me, it needed to be low stress, low time commitment. I needed to love what I was doing, right? So for me, the best strategy was buy and hold. Buy a place, fix it up a little bit, put a good renter in there and let it do its thing, right? But that's the long game strategy. I also said, okay, if that's what I wanted, for me, I didn't want to work too many hours. I was an incorporate. So my priorities were bliss, time freedom, right? My relationships, I still wanted time with my husband and my family, right? Adventure, I still wanted to be able to travel.  If that's the case, then I had to give it more time. So I did a buy and hold. I gave myself 20 years to be right and to create the success that I wanted. My goal was to retire by the time I was 45. I was able to do it by the time I was 38, right? So because it worked nicely, but what if it hadn't? I had given myself time, but I chose that strategy based on my core values, my big why, my resources, which means my time resources, my emotional resources, my financial resources, my skills, all of those things. I picked a strategy and then I went for it. So that was a really long answer to a short question. Sorry about that, but the thing is this, right? You need to know who you are and pick a strategy on that truth, not on somebody else's good idea. Yeah, so it sounds like the trick is to choose measured risk as opposed to reckless risk so we can have the surest path to our wealth and our bliss. Exactly. And I will just say, there are a lot of people that listen to me. They're like, that sounds so boring. Like I can't do that. Well, if your bliss is to have adrenaline rushes and you've got the money to spend and that's your bliss, try it. Right. I'm just saying that that's not my bliss and you really need to know who you are, what your risk tolerance is and what your resources are. Is your dad very proud of you after all of this that you ended up doing this and so successfully? He is so proud.  It's so beautiful. That's awesome. There's an expression, Monika, which is invest with intent. So what is investing with a goal in mind? Investing with intent mean to you and also to some of the clients that you mentor. Yeah. Blessing with intent again is really making your priorities the highest priority. So what do you mean? Give me an example. Yeah. So some people will say, I'm investing because I want to make this much money, right? And I even said that I wanted to retire by the time Jeff was 45. Obviously I didn't retire, right? What was the real thing that I wanted? What was my true priority? Bliss. Bliss and what is bliss? It is the freedom of choice and time. It's also emotional balance, like being able to live a life that feels joyful and even if I get really depressed, really sad, I have such a balanced, beautiful, supportive life that I easily bounce back, right? I've got the skills. I've created the life and the environment, right? So I easily bounce back. So for me, that's the most important thing. So retiring at 45, it wasn't because I wanted to stop working, it was because I wanted freedom, right? So when you're looking at investing with intent, there's two pieces, there's the actual investment, like where do you want to go, right? You want to have some goals, but the underlying intent is really your why. So why are you doing it? For you and me, it's freedom, right? And when we're talking about freedom, we're talking about freedom of choice and time, some people might be talking about freedom from an employer or freedom from having to drive all the time. Freedom shows up in so many different ways. So that's why I keep saying what it means to you for me. But so when you're looking at that goal, look at the underlying intent because if you invest with your intent, if you're intentional with how you invest, it's gonna be a lot more joyful, blissful ride than if you keep shooting for something that you're not really emotionally attached to. Yeah, that's fascinating. I'm thinking as you're saying that, besides freedom, ROI is so important to me. So if I invest my time, my being, my energy into something, I have to know what I'm receiving back and that it was worth that. And that's even if I go to a workshop, right? That whatever I invest, I'm going to be really, not only filled inside, but somehow changed. Like for the positive, my circumstances, my being, all of that, if I spend time with friends, people I meet, I have to know that I leave feeling just wonderful and that was a beautiful experience. So it can show up in a lot of ways. Absolutely.  Well, it's also interesting because it's deeper than that, Debbie. So we've got all of this stuff about my priorities and creating this life. But part of Bliss for me is also what you just talked about is this meaning. When I go into a home, I'm looking to make that home neighborhood community better than when I got there. I always buy redevelopment properties. So REOs, foreclosures, those sorts of things. Thanks. I'll buy the place. I'm usually the ugliest house in the neighborhood. I fix it up and make it beautiful. And then I put happy people in there and that uplifts the neighborhood. And then that uplifted neighborhood now contributes to the community. So for me, even way being on Monika the things that I get, the growth that I experienced, the relationships that I build, the financial freedom that I get, the ability to have choice of who I spend time with, when and where, right? All of that's awesome. And I get to uplift my communities and I have meaning with what I'm doing. So it's like this whole package that I've created based on the things that all fill me up and are really important to me. That is so amazing to take it out into, oh, I'm still muted. No, I'm not muted. You can hear me, right? I'm live. I know that's so cool to think of it as far as uplifting a whole community based on a home and based on the people living in that home and the kind of neighbors they'll be and the contribution they'll be. It reminds me, a novelist and philosopher, Ayn Rand said, money is only a tool. It will take you wherever you wish, but will not replace you as the driver. Yes, ma'am. Right? The money is the vehicle. It's the investments you buy with it. It's the road you're traveling to your financial goals. That's so true. And what's also true about money is that it is going to amplify who you are. So if you're a blissful person and you have blissful ideals and goals and core values, as you become more and more wealthy, those are now amplified out in the world, right? I want to bring meaning to those neighborhoods. Well, now when I do a building, which I'm doing, if I'm building something bigger, now I'm amplifying that even more. I'm creating even more beautiful, even more beauty, even more happy people, right? So I'm amplifying. And then I contribute to lots of different charities. That's a big thing for me too, is philanthropy. So when I monica, a blissful person become wealthy, now I'm making blissful decisions with that money, right?   And then that is amplified into the world, right? So you also part of bliss is becoming the person that you want to amplify out into the world because once you're wealthy, that's the experience that you get to have. Yeah, and so conversely, monica, interesting times right now. I'm really doing well. I wasn't in the beginning of COVID a year ago, but I feel like I was meant to go through a journey and inside journey for sure, to let go of some baggage, feel some feelings, face some things and I did head on. And I just, I feel amazing on a lot of levels. I miss travel and stuff and I miss seeing people like you terribly, that part hurts. But in general, I feel like I'm doing very well, but I don't speak for everybody. So when we talk about bliss, when there's people who are going through difficult circumstances, who are not really sure how to navigate, how can they still decide to choose bliss or how can they find their way back to bliss? That is such a good question. And I just want to start by saying that we can't, we can't control what happens to us or outside of us. We can't control the economy. We can't control our neighbor. Most of us can't even control our dog or husband, right? Like we just can't control what's out there, but we must learn to control what's going on inside of us. And that's the true secret to creating bliss is, there's a lot of horrible stuff that people have had to suffer through. There's no lie. This has sucked for a lot of people, but we do, as you said, get to decide what we're going to focus on. Because the truth is, there's a lot of horrible things that have happened and there are a lot of miracles that have happened. And I know there are people that are listening and they're like, what are you talking about? But just look around at some of the ways the world has changed. This is the first time, I can't even remember the last time, if there ever was one, where the entire community of the world has been through something together and had to help each other. What is that going to cost for us in the future? How are we going to grow and evolve, right? So, and that's like on the serious macro level, right? On the micro levels in each of our lives, there are ways that we can find that this has served us. So the truth is, it's really about our focus. If you choose that you want to be blissful, then the next step is to choose what you're going to focus on. Yeah, that's a good reminder. I love that because what I always love about that, whether it's gratitude or bliss, is that it's then an opportunity to find the proof, right? So we create that mindset and that energy inside of us, then we can look out with different eyes and see those very things, which obviously will attract those very things. And I suppose listening to you, people are going through the circumstances anyway, so they can choose, you know, I'm here, but maybe I could feel bliss for these five minutes. And what about debt? Does debt erase freedom more surely than anything else or what is your feeling on debt? Yeah, that's a really long conversation. I do not think that debt erases freedom by any stretch of the imagination, but being slave to debt is. And so I'm not saying carry a lot of debt or forget about your debt, that's not what I'm saying, but I'm saying creating a plan to continue to live your life and to pay off your debt is important, but don't allow it to completely consume your mind. Again, if we're really talking about bliss, you choose what you're going to focus on.  It is my experience that every year of my life has been an overarching theme. And for some reason it just keeps presenting. It's something I have to learn, experience, go through, see, whatever it is. Is that so for you? And if so, what for you, Monika, this year has been your theme, your journey? You know, actually I have not had that experience. I feel like I am always changing so fast. My husband's always like, I have no idea what's gonna come out of your mouth. Like, I feel like I'm an ever-changing person. So my theme, it feels like for the last, like many years has been evolution, what's the very best person that I can be? And I will say that, you know, we've all had ups and downs, I have no exception. The last year's theme was again, circling back to choosing bliss.  I don't know if you remember me telling you this. My whole life was falling apart. I was letting go. I was losing all my friends, not on purpose, but just because the dynamics had changed so dramatically that we weren't connecting, right? It was so much that wasn't working. And in those moments, I would choose to focus again on what was working, right? I was closer to my husband. I got more time to cuddle my dog. I was home. I wasn't traveling as much, right? Not fun travel. I wasn't traveling as much with the business travel. So I was homework. So focusing my own bed, my own pillow, just focusing on those things. So I think over the last year since COVID, it really has been really, really focusing back on choosing bliss. And you said something really cute. And I want to kind of tell a story that helped me along with that. Sure. You said it's through the filter that we use. All of us understand, all of us see the world through the filters of our own mind, right? So imagine glasses. Those glasses are filtering everything you see. And we all heard the term, right? She sees life through rose-colored glasses. Well, what color glasses do you want to see life through? Blue, green, black, rose. What do you want, right? Choose your filters. Because that's going to determine your experience. Rose-colored ain't so bad. You know what I mean? And I've had to really, and I physically do this, Debbie, is in those moments where I'm like, ah, this is so hard. I literally will put on the rose-colored glasses to remind myself. It's an anchor, right? It's not physical, but it's an emotional anchor or a mental anchor to remind myself to look at things in a way that serves and supports me, rather than draining and depleting me. You know, it reminds me, the filter is so beautiful that one of the filters you lived through fairly early on in the pandemic, I was visiting you. And you're one of the first people I know. You were not wearing one of those cotton masks.  It was like, fabulous. And it's, what are those things, right? You can make a choice, right? Everybody else is wearing the medical ones that I'm like, okay, if I'm doing this, it's gonna be fun, right? Make a statement, girl. Yeah, I loved it. And what about, what do you do every day, Monika? What grounds you? What kind of ritual of practice do you have that brings you to center, brings you to bliss? Yeah, I have a lot of gratitude practices. And I know you probably, your people have heard this on your show all the time, I'm sure of it. But because it's such a big deal, but I have a really special gratitude practice that I do for myself. And I'd love to share it if you'd like, because it's brand new. Always, yes, please. One of my coaches taught me this early in the pandemic. At night, before I go to sleep, I write myself a love letter. And this is hard the first few nights, but I write myself a love letter and it starts with, dear Monika, thank you so much for allowing me to be you. And then I write a letter to myself and it might only be three lines. I love the way that you see the world. I love how you take responsibility for everything so that it gives you choice and power. Da-da-da, you know, you write these things. And then I end it with, you amazed me, I love you, and I sign myself. And then I go to sleep. And then in the morning, you wake up in this beautiful empty space, because you can imagine the kind of dreams you're probably having after that. And then I fill it up with my normal gratitude practice of, I am so grateful for, I am so thankful that I believe my day will be. So that's what I do at night and morning, super easy, grand total of five minutes of my time and the front end and then the back end of my day. But it completely has changed my outlook on life. That's beautiful. So your specialty is women, which I love. I think women absolutely need support with money and really stepping into their power around that. Just more, doesn't mean it doesn't happen, happens a lot, but even more, more up-leveling. So women with money, women in power, are these uncomfortable ideas for most people or are they easy to navigate or learn about? I think money and power is uncomfortable to navigate for most people, men and women. But I think culturally, men have a little bit more support around the conversation, right? Women, we don't yet have enough of an open conversation around it that we feel like we can get out there and get help. And so I think that's a little bit of the roadblock for us. We have it, we have the capacity, we are so strong and capable inside, but we don't always have the network. So a lot of times the conversation is in our head and because it's in our head, we're remembering and hearing conversations with our parents that had a different set of beliefs than we did than we might want to or should. And I just wanna say this one thing about that. Every single generation, every single generation has thought things that the next generation thought were wrong. So it's not bad and they did not try to do as a disservice, but understand that those conversations are old conversations. So the thing that we can do as women is start to expand and open up our worlds to people that will bring the conversation that will help us to rise to the next version of ourselves and to up level, rather than continuing to stay in our heads with the conversations we've heard that are probably not serving us.  So just open to the opportunity of new conversations with other powerful rich women. Hang out with Monika. I'm just playing. Yeah, I do exemplify this. That's so great. This is Dare to Dream. Perfect segue at a very interesting time, especially if somebody has created so much. What do you next dare to dream? What are your future dreams and goals, Monika? Well, I'm building right now. I got my very first construction project going on. I'm building a building with condos and shops underneath. From the ground up? From the ground up. Oh my gosh, we just poured the foundation. Oh my gosh, so cool. I wanna do at least three more projects like that. And then from there, my husband and I would like to take a couple of years off and just go travel the world again. So that's kind of what I'm looking forward to and I'm putting out there, I'm looking for new projects and that sort of thing. I think it's kind of a cool thing to mention. You and your husband have a really awesome relationship. You've been married for a minute and you have all this love. I know the celebrations you have of each other and birthdays and that you really look forward to spending time and you do beautiful things together. What is, if there's an element there that you could hang your hat on and say, you know, this is why we're so successful, what would that be? I choose to marry him every single morning. And he does the same. Anything you wanna say to the listeners here at the end and how can they find you? Yeah. Please find me at blissfulinvestor.com. And here's what I do wanna say to your listeners. You know, we are dreamers and your listeners are listening to the dare to dream.  So get out there, take action and create the life that you most deeply desire. And you need investment to get there so you can have the bliss and the freedom to live the life of your values, your why and you can develop the systems and delegate. And if you don't know how, go to blissfulinvestor.com slash values. Let Monika show you. Yes. Girl, this has been so great. Thank you so much for coming on today and for sharing all of this hope with us. Yeah, thank you so much Debbie for having me. I've had such a good time. Yeah, this is delicious conversation. I hope you guys have gotten something out of this and please post in the comments, let me know. I'll share with Monika and also we love to hear from you. What's your takeaway from today? What's the one thing you're gonna implement if you had more than one share? Because as reminders, it helps us to focus on our next right steps to live the life of our dreams. I end the show today with a quote from Aya Laraya. When you invest, you are buying a day that you don't have to work. Join us on this number one transformation conversation, weekly podcast show, Dare to Dream. My guest next week is Dr. Christopher Maclin. He's back for a second time and Dr. Maclin is a powerful channeling medium and healer from England. He's able to heal many people simultaneously and as before, he will actually be doing some inductions and healing. I know last time I was knocked out. So absolutely join us. I am the one who runs the Visibility Hub, Debbie Dashinger. I coach you to write a page turner book. I help you take that book to a guaranteed international bestseller and I run the ultimate visibility formula, how you can be interviewed on radio and podcast in 60 days or less and most important, get results. Thank you so much for joining today. And remember, don't just dare to dream, dare to turn all your dreams into your reality.


Milton Friedman was born on this day in 1912. This American economist is best known for his strong belief in the transformative power of free market capitalism and for winning the Nobel Prize in Economic Sciences, which he did in 1976. Friedman famously popularized the phrase, There's no such thing as a free lunch, as a way of describing the economic concept of opportunity cost. Happy birthday, Milton Friedman.


Hello, my name is Joe. I'm here today with Alex Moschinski, CEO of Celsius. We're gonna have an interesting conversation about custodian of custodian Bitcoin other macroeconomic trends that we're seeing and of course, you know trends in the cryptocurrency space. So Alex, hello How are you doing today? Great. Great Paris amazing. We got excellent weather and Full house here. We took over we conquered the the Boris here in Paris Yeah, and we talk about, you know, normally we talk about how DeFi is gonna conquer Treadfy and that's what we've done here. We conquered the center of You know of Treadfy in Paris. Absolutely. It's a poetic sort of poetic win. Yes And just picking up on your your keynote yesterday You know, there was the axi-infinity hack recently where Vitalik's response was to say that, you know This space needs these sort of semi centralized solutions. I mean, I'm sure Celsius has something to say on this Well, we actually built it. So we don't we totally agree with Vitalik and we built Celsius X The website is Celsius X.io. And if you are Celsius user, you can automatically basically take any of the assets you have Lock them and then we will wrap an issue natively issue assets on the blockchain So for example on polygon or or some other chain and the main advantage with that is that You don't use layer 2 bridges. So layer 2 bridges your one blockchain. I'm another blockchain We put a smart contract between us and we we basically so here it's it's any to any and it's native So we're not relying on the code being written properly or Some hacker figuring out the back door or jumping through a window or whatever So so we're we're solving Imagine if you build a bridge between two blockchains and half of the cars fell in the water, right? No one would drive that bridge. Well, that's basically what we've done with layer 2 bridging, right? It's unfortunately. It's not a solution because There's not going to be mass market adoption if half of the cars fall fall into the river, right? So so we build a tunnel instead, okay called Celsius X layer 0 instead of layer 2 and You should try it out. Yeah. Yeah.  Yeah, see fine defy two sides of the same coin Mm-hmm, and you would sometimes you need to see five sometimes you need to use defy That's what Celsius does every day. Absolutely. Okay. I mean, there's a lot of good things happening in this space a lot of things happening for Celsius, but there's also a Saddening macroeconomic backdrop at the moment. What's your most pressing concern or what's what are you? Losing sleepover Yeah, so I'm a Ukrainian by birth, you know, and and obviously When the world goes to war, there's not just a war between Russia and Ukraine and and it's definitely not a war between the Russian people and the Ukrainian people This is like one crazy guy picking up a war with the rest of the world and and here The crypto community came together very quickly, right? We we published an address I think a day after the war started with the Ukrainian Ministry Finance Ministry We we raised the help the Ukraine raised over 70 million dollars. I was at Bitcoin 2022 I just had an interview with the deputy minister about all this and they need more so yeah I'm calling on the community to you can find on my the links on my Twitter at machine ski or or You could also go to the official Ukrainian Ministry Twitter handle they have the BTC and ETH addresses published us DC as well So so all of us but what we're celebrating is really how quickly the community moved Before the US before UK before France jumped in and decided to help yeah the Ukraine Crypto was there and they use they start using the money the next day. They're ready. They're buying food rations They were buying what they need for the hospitals for you know and so on yeah, absolutely I mean what do you think that says about the cryptocurrency industry in its reaction to you know setting up these donation addresses What does that say about the industry? Well, we arrived right so so I think until now we were a side show until now we were the community was perceived as like these quirky weird people who decided to print their own monopoly money and Now you're seeing that Nations are calling on us to help them out. So, you know, we're in this tricky Consolidation period, you know bitcoins around 40,000 at the time of recording. Yeah Do you have any price predictions? You'd like to share with us, you know One of the things we like to do together on a regular basis. Yeah, so so we called the bottom I was on several shows on February 22nd 24th and people asked me the same thing. Okay, you know, I think was $33,000 and I was like No, this is the bottom, right? We're very strong support in that 30 to 33,000 sure and between Luna buying, you know billions of dollars over with a Bitcoin between a Lot of like you see here, right? I mean the show is it's a mob scene, right? And this is just institutional measure if they invited the retail guys, right? So this is all institutional a So I definitely think that Demand is here. Okay. So I don't see us revisiting previous lows, okay, but There are some clouds in the in the sky. So one example Russia hasn't given up. That's not like they walked away, right? They're gonna come back and attack Ukraine again Everybody's preparing for it, but that's gonna put pressure on the public markets on Bitcoin, Ethereum and so on Another driver is again the Fed, right? Don't fight the Fed And the Fed right now is tightening raising rates Pulling liquidity out of the market and all that does is basically makes people less giddy less Willing to take risk. Okay. So so that's gonna it takes longer. It's gonna take us longer to hit new highs But I still expect us to break that 60,000 this year on Bitcoin May break the 4500 on Ethereum. Okay, those are the kind of two levels that I think are important to watch So all-time highs this year all-time highs this year Unless we we go to World War three, right? So if we if if Russia does something stupid like throw a nuclear bomb or or Start killing people with chemical weapons or whatever in the Ukraine because they want to win at any cost And then we are talking about a completely different scenario. Yeah. Yeah, that's the rule not hoping for that Yes, exactly. We're all knocking on wood. There's no wood so can do it Knocking on wood to make sure that it doesn't happen and yeah, obviously you occupy this unique vantage point You see the retail side you see the institutional side. Yeah, so you mentioned institutions being here We're in the former boss the former stock exchange What are you seeing from the institutional side right now? Are there any sort of triggers anything's any catalysts that you see that are bringing this new money into the space? So first is a record Institutional participation right so everybody's dipping their toe even if they're not doing much like even here in France You see the MF and others Pushing to adopt digital assets, you know that right there. Yeah, they're across the street. I know They're watching us with they're taking picture. They have one of these look long cameras taking picture of everybody walking in and out of their bores But the point is is that I think across the world both the regulators and institutions Have accepted that this is a new asset class, right? So now the question is what are we doing about it? So Goldman opens a desk with 100 people in its city adds Hire several hundred people for for the crypto desk, right? They understand that they're they're high net worth are asking for it.  You can't do that with crypto right crypto is a completely different animal It's running on different rails different software, but they're coming that the key thing because it's also good news Right because you asked me about the price of Bitcoin Think about it. No bank in the United States owns Bitcoin. No major banking friends own Bitcoin, right? So so so that's all good thing because that's all new demand additional demand So we have the same number of coins, right? There's never gonna be more than 21 million Bitcoin, but the demand is is is coming increasing, right? So more demand no more supply higher prices. Fantastic. Perhaps it's a final question then I've asked you what you're losing sleep over What's getting like a baby? What's what's getting let me tell you why I'm sleeping like a baby because most people Yeah, it's very simple So people come to me and they're like, you know, they show me spreadsheets with how they're calculating How much Bitcoin they need to have and I'm like, what are you doing? What are you talking about? They're like, well, that's how that's my formula and I'm and I average in and I'm like It's very simple. Okay, if you bought some Bitcoin and you sleeping you can't sleep at night That means you have too much Bitcoin. Okay, and if you bought some Bitcoin and sleep like a baby That means you don't have enough Bitcoin. Okay, it's that simple. It's a sweet spot. It's just a sweet spot find that sweet spot sweet spot and And just stick with it because which person it's a different some people are very Neurotic and 1% of their assets in Bitcoin is too much Okay, and and some people like me where the vast majority of my assets are in Bitcoin and I still sleep like a baby I keep buying more and more trying to find that Point where I'm not gonna sleep well at night and I can't find it So my conviction is much higher than most people. Yeah, and and the conviction is because our Traditional monetary system or tradfies is is rotten from the inside. It's it's you know under this I have a shirt that says banks are not your friends, you know and and Unfortunately again banks are so greedy and so Desperate to steal from all of us right take take from us so they can deliver profits to their shareholders That's all they're doing is just stealing from us making money on the money We made right and then giving it all to their shareholders and they're not going to change that business model So you can't fix that right? That's what we're building a new system and in that new system Bitcoin is king you know, Ethereum is Queen and and Doge is the gesture and doze. Doze. I love it. You see we're a good team We're going on the road show together. So instead of creating more of that. Yeah, we have too many companies that are really ruining or They making us lose customers look when you give somebody 10 10x leverage and they blow up They're never gonna come back to crypto. You lost them forever So we're now we need to recycle people instead of growing the community So for us if you want your coins and my coins to be more valuable the main thing we have to do is make sure we don't Burn people because we try to charge them 7% on the credit card transaction or where we give them leverage and Stole their coins, right? Those are the things we have to really change. Thank you so much. Alex was Alex Mishinsky Sierra of Celsius even thank you so much for your time. Thanks for having me