How I'm Getting My Life Together Before 2027 — Transcript

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1. 0:00All right, y'all. I think we're finally
2. 0:01getting to that point of the year where
3. 0:02you start thinking about who you want to
4. 0:03be next year, what you want your life to
5. 0:05look like, what you want to accomplish
6. 0:06in the new year. And honestly, I don't
7. 0:08know about you, but I don't want to wait
8. 0:09until January 1st to start becoming that
9. 0:11person and doing those things. And I
10. 0:13actually think one of the biggest
11. 0:14mistakes people make when it comes to
12. 0:15New Year's resolutions is setting goals
13. 0:17and waiting until the new year to start
14. 0:19working on those goals or to even start
15. 0:21just thinking about the goals. A lot of
16. 0:23people wait until January to decide what
17. 0:25their goals are, who they want to
18. 0:26become, what habits they want to build,
19. 0:28and then they expect themselves to
20. 0:29completely change their lives starting
21. 0:31January 1st. It doesn't really work that
22. 0:33way. I personally think you're so much
23. 0:35more likely to accomplish your goals
24. 0:37when you start thinking about them
25. 0:38beforehand. When you give yourself time
26. 0:40to really think about what you want your
27. 0:41life to look like, who you want to be,
28. 0:43what needs to change, what's not
29. 0:44working, and then actually start
30. 0:46implementing those things in your life
31. 0:47before January even comes. By January
32. 0:501st, some of your habits should already
33. 0:51be a part of your routine. You should
34. 0:53already be building momentum, and you
35. 0:54should already be familiar with the
36. 0:56lifestyle that you're trying to create.
37. 0:57And for me, a great time to start doing
38. 0:59all that is quarter four. So, as y'all
39. 1:01know, we are now in September, and
40. 1:03quarter four is right around the corner.
41. 1:05For those of you who don't know, quarter
42. 1:06four starts in October, and this is
43. 1:09usually the time that I start thinking
44. 1:11about all these things. I've been doing
45. 1:13this for the past few years, and
46. 1:14honestly, it has been a game-changer for
47. 1:15me. At quarter four, I'm thinking to
48. 1:17myself, what do I want the next year to
49. 1:19look like? Who do I want to be? What
50. 1:21things do I want to change about myself?
51. 1:23What is not working for me right now?
52. 1:25And what do I want to be different in
53. 1:26the new year? And most importantly, what
54. 1:28can I start doing right now so that I
55. 1:30don't enter January expecting a new year
56. 1:32to magically turn me into a new person.
57. 1:34I want to spend the rest of this year
58. 1:36being intentional about getting my life
59. 1:38together and preparing for the new year.
60. 1:40So, today I'm going to be sharing the
61. 1:41main areas of my life that I'm focusing
62. 1:42on between now and 2027, and just what
63. 1:45I'm doing differently because I want
64. 1:47January 1st to feel like a continuation
65. 1:49and not the starting line. One of the
66. 1:51biggest areas I'm focusing on before
67. 1:542027 is my relationship with money, my
68. 1:57money habits, everything concerning
69. 1:58money. Because I have realized that
70. 2:00getting my finances together is not just
71. 2:02about making more money. It's also about
72. 2:04being responsible with the money that
73. 2:05you're already making. I don't want to
74. 2:06keep saying I want financial growth
75. 2:08while still having habits that are not
76. 2:10supporting that goal. One thing that I
77. 2:11have already really been doing recently
78. 2:14is having separate accounts for
79. 2:15different things. As an entrepreneur,
80. 2:17this is super important and it's
81. 2:19something that I actually started a
82. 2:20while ago. I just was never consistent
83. 2:22with it, so I kind of picked it back up
84. 2:24recently. It just requires so much
85. 2:26discipline and it requires having a
86. 2:27system. Y'all know I'm always talking
87. 2:29about systems. I basically have an
88. 2:31account where all my income goes and
89. 2:33then from there, I send the money to my
90. 2:36bills account, which obviously is where
91. 2:38I pay all my bills from and then I have
92. 2:40a fun money account. I also have like
93. 2:42savings accounts and stuff like that,
94. 2:43but the fun money account is really key
95. 2:46for me because I have a habit of just
96. 2:50spending from that income account or the
97. 2:52bills account because typically that's
98. 2:53where most of the money goes. And doing
99. 2:56that is dangerous because it makes you
100. 2:58feel like you have more money than you
101. 2:59really have. Like you can look in your
102. 3:01account and see a few thousand dollars
103. 3:03and think that you have a few thousand
104. 3:04dollars to spend when really a lot of
105. 3:06that money is already accounted for. A
106. 3:08lot of that money is already assigned to
107. 3:09other things, but if it's just sitting
108. 3:11in one spot, you don't think about all
109. 3:12of the roles that that money already has
110. 3:15to fulfill. So it's just been really
111. 3:17helpful for me just keeping everything
112. 3:18separate and knowing how much I have to
113. 3:21work with in all the different
114. 3:23categories. I'm less likely to go out to
115. 3:25eat if I know that I only got a couple
116. 3:27hundred dollars for random spending.
117. 3:29Also pertaining to money, I'm trying to
118. 3:31cut back on impulse spending. I realized
119. 3:34that I have a very bad habit of just
120. 3:36spending on impulse and I have
121. 3:38identified some of my triggers. One of
122. 3:40my triggers being stress. Like whenever
123. 3:43I'm stressed, I tend to just go online
124. 3:46and buy things to make me feel good.
125. 3:50Sometimes like we're looking for a
126. 3:51feeling when we're shopping because
127. 3:53we're trying to make up for a feeling
128. 3:54that we already had. Yeah, I'm trying to
129. 3:56stop all that. I told you on my last
130. 3:58video that I have been really
131. 3:59intentional about looking at my bank
132. 4:01statements and actually paying attention
133. 4:02to where my money is going because for
134. 4:04the last few months, I've been having
135. 4:06this consistent conversation with my
136. 4:07boyfriend about how I know like what my
137. 4:11bills are and I know what my expenses
138. 4:13are for the most part every month, but I
139. 4:15just know for a fact that there are a
140. 4:17bunch of little things coming out of my
141. 4:18account that I don't really know about.
142. 4:20actually brings me to today's sponsor,
143. 4:22Rocket Money. Thank you so much Rocket
144. 4:23Money for sponsoring today's video. Like
145. 4:25I mentioned before, getting your
146. 4:26finances in order is not just about
147. 4:28checking your balance. You have to
148. 4:30understand and know where your money is
149. 4:32going on a consistent basis. And Rocket
150. 4:34Money has been very helpful with that
151. 4:35for me. It puts your finances in one
152. 4:37place and it automatically tracks all of
153. 4:39your subscriptions, which is something
154. 4:40that I definitely needed. Y'all, I found
155. 4:43out that all this time, I've had two
156. 4:45Stars subscriptions. I canceled one like
157. 4:47last year and apparently I've been
158. 4:49getting charged for a whole different
159. 4:50account. We all have those random
160. 4:52subscriptions that we sign up for and
161. 4:54forget about. The bigger issue for me is
162. 4:55really my spending. When I'm stressed or
163. 4:57having a bad day, I will impulsively
164. 4:59shop, just buying random things that I
165. 5:00probably didn't need. And then y'all
166. 5:02know going out to eat is a huge one for
167. 5:04me. But Rocket Money spending insights
168. 5:06help me to see all those patterns by
169. 5:08category so I cannot pretend like I
170. 5:10don't know where my money's going. I can
171. 5:12actually see what I'm spending and set
172. 5:14goals and budgets to help keep myself in
173. 5:16check and hold myself accountable. And
174. 5:17that's really what I'm trying to do
175. 5:18before 2027. Be more intentional with my
176. 5:20money instead of using shopping and fine
177. 5:22dining as my emotional support system.
178. 5:24So, if you're also trying to get your
179. 5:25finances together, go to
180. 5:27rocketmoney.com/trending.
181. 5:29That's t r i n d i n g to get started
182. 5:32for free. You can also scan the QR code
183. 5:34right here or click the link in my
184. 5:35description. Oh, and you can unlock even
185. 5:37more features when you sign up for
186. 5:39premium. Again, thank you so much Rocket
187. 5:41Money for sponsoring today's video. I'm
188. 5:42trying to move away from paying for I
189. 5:45don't use it as often as I used to, but
190. 5:47I'm really trying to get to a point
191. 5:48where that is just not one of the first
192. 5:51things I think of whenever I'm
193. 5:52contemplating a purchase. Cuz it's real
194. 5:54easy to see something that's like $100
195. 5:57and be like, "Hmm, I have this $100, but
196. 6:00I'd much rather pay 25 right now, so I'm
197. 6:02just going to use Pay in 4." I know a
198. 6:03lot of people say, "Oh, you shouldn't be
199. 6:05using Pay in 4 if you don't have the
200. 6:07money to actually pay for the item in
201. 6:09full." But nobody really talks about
202. 6:11when you actually do have the money and
203. 6:13you just prefer to break it into four
204. 6:15payments, but you constantly do that and
205. 6:17over time you're spending way more money
206. 6:19than you would have if you had just paid
207. 6:20for that one item in full. Like think
208. 6:22about it. If you go to the store and you
209. 6:23see something for $100, you think to
210. 6:25yourself, "Hmm, I can split this in
211. 6:27four, so I'm only going to be paying $25
212. 6:28for this item." Yes, you're paying $25
213. 6:31for that item, but because you only
214. 6:32spent 25 instead of 100, you're going to
215. 6:34go somewhere else and spend more money.
216. 6:36You might spend $200. But y'all get
217. 6:38where I'm going with this. It doesn't
218. 6:39really work. Number two, this is another
219. 6:41one that I have kind of recently started
220. 6:43implementing, but I'm still working on
221. 6:45my system for this. So it's something
222. 6:47that again I am buckling down on in Q4,
223. 6:51and that's making better use of my time
224. 6:53and my potential. As an entrepreneur, I
225. 6:55have a lot of flexibility with my time.
226. 6:58Y'all know I'm always talking about how
227. 6:59I am a lash tech, I'm a content creator,
228. 7:02I'm a mom, I'm a fitness girly, like I
229. 7:04just do a lot of things. And I'm not
230. 7:05going to lie, a lot of the time I use
231. 7:08that as an excuse for me not doing a lot
232. 7:12of the things that I could be doing.
233. 7:14Like I really be convincing myself that
234. 7:16I don't have time to do a lot of things,
235. 7:18and I actually have quite a good amount
236. 7:20of time because I have time to be laying
237. 7:21around, I have time to be taking naps, I
238. 7:23have time to watch series, I have time
239. 7:25to be on the phone. So I got time,
240. 7:27especially because I make my own
241. 7:28schedule. I don't do lashes nowhere near
242. 7:31as much as I used to. And granted, yes,
243. 7:33I do a lot of other things that I wasn't
244. 7:36doing back then when I did have a lot of
245. 7:38clients, but I still have a pretty good
246. 7:40amount of free time that I don't
247. 7:42maximize if I'm being 100% honest. I had
248. 7:45a reality check with myself last week
249. 7:48and I just told myself like, "Look, you
250. 7:51say you want this life, but you are not
251. 7:54acting like you want this life. You say
252. 7:57you want to be a full-time content
253. 7:59creator at some point, but you don't
254. 8:01necessarily act like that." With all the
255. 8:02free time that you have right now, you
256. 8:03should be treating this like it is your
257. 8:059-5. And you know that's that's hard for
258. 8:07a lot of people to do, right? You know
259. 8:09it's hard for a lot of us to actually
260. 8:12look at ourselves in the mirror and
261. 8:13admit that we are not doing nearly as
262. 8:15much as we could be doing. Now, I'm not
263. 8:17saying I need to be burning myself out,
264. 8:19but I could be going way harder, for
265. 8:21real. So, I recently came up with this
266. 8:23like 90-day challenge where I really
267. 8:27mapped out my days like I am a full-time
268. 8:31content creator. I guess I have to put
269. 8:33all my other stuff in my schedule as
270. 8:35well, but downtime and free time does
271. 8:37not necessarily mean laying around doing
272. 8:40whatever I want. Like, I have this habit
273. 8:42of thinking that making my own schedule
274. 8:45means just giving myself a whole lot of
275. 8:46time to do whatever the heck I want to
276. 8:48do. No, there's money to be made, okay?
277. 8:50There are opportunities to be had. Not
278. 8:52only am I like doing content-related
279. 8:55things every single day, but I am
280. 8:57challenging myself to post every day
281. 8:59except Sunday. Now, for those of you who
282. 9:01don't know, I have two Instagram
283. 9:03accounts. One, my main Instagram
284. 9:05account. Two, my fitness account. Then I
285. 9:08have TikTok and then I also have
286. 9:10YouTube. That's four platforms. I'm not
287. 9:12posting on all four platforms every day.
288. 9:13I'm just not doing it. So, I created
289. 9:16this little system that I felt like I
290. 9:17could be consistent with and it's
291. 9:18basically posting three times a week on
292. 9:21one Instagram, three times a week on the
293. 9:23other one, and then all six days on
294. 9:26TikTok. And then of course I post on
295. 9:27YouTube once a week. So, yeah, that's
296. 9:29that's been a joy so far, but yeah, it's
297. 9:32just my way of really challenging myself
298. 9:34and locking in to see what difference it
299. 9:37can make. If you have been watching me
300. 9:39on YouTube for years, then you know at
301. 9:42one point I was trying to juggle all the
302. 9:43platforms. And then eventually, I told
303. 9:45myself like, "Okay, just pick one
304. 9:47platform. Find a way to like be on
305. 9:50autopilot with that one before you start
306. 9:51adding in the other ones." And I kind of
307. 9:53did that, but I haven't really been
308. 9:54consistent on any platform aside from
309. 9:57YouTube. And the other day, I was trying
310. 9:59to remember why I stopped really caring
311. 10:02about Instagram and TikTok. And I
312. 10:03remembered the exact moment that I
313. 10:05stopped caring. I remember telling
314. 10:07myself, "YouTube is the main priority
315. 10:09because I see the most return on my
316. 10:11investment. I film a video, I edit the
317. 10:13video, I post the video." Because I am a
318. 10:15monetized creator on YouTube, I'm
319. 10:17getting paid for that video regardless.
320. 10:20And I always felt like, "What's the
321. 10:21point of posting way more often on
322. 10:23TikTok and Instagram to not get anything
323. 10:25out of it?" Like, let's be so for real,
324. 10:27it got to translate into dollars at some
325. 10:29point. But then recently, I realized
326. 10:30there's no way it could ever translate
327. 10:32into dollars like brand deals, hello,
328. 10:34sponsor- sponsorships, stuff like that.
329. 10:35If I'm not posting on those platforms
330. 10:37consistently, I have to still be showing
331. 10:39up. Then I also remembered that each
332. 10:41platform serves a different purpose. At
333. 10:43the end of the day, I could be using my
334. 10:45short-form platforms to bring people
335. 10:46over here to YouTube if this is really
336. 10:48my main platform. So yeah, maybe there
337. 10:50are some content creators in the
338. 10:51building who need to hear that. Even if
339. 10:52you're not a content creator, you can
340. 10:54still learn from this because the lesson
341. 10:56here is that you got to make time for
342. 10:59what you want. At the end of the day, no
343. 11:00matter what your excuse is for why
344. 11:02you're not doing the things that you
345. 11:03could be doing to push yourself further
346. 11:05in life, it's an excuse. So sorry. I
347. 11:07know we all have different things going
348. 11:10on. Some people have worse things going
349. 11:12on than others, but at the end of the
350. 11:13day, they're all excuses. I'm so sorry.
351. 11:16You're not going to be able to change
352. 11:17your life if you don't accept the fact
353. 11:19that you have just been making excuses
354. 11:20and just not doing what you need to do
355. 11:22to get ahead. I don't want to walk into
356. 11:242027 knowing that I spent another year
357. 11:27just sitting on potential that I could
358. 11:28have developed. I want to be the best
359. 11:29content creator I can be, not someone
360. 11:31who just posts when it's convenient. I
361. 11:32don't want to be the girl who's only
362. 11:34present on YouTube. I don't want to be
363. 11:35the girl who's only consistent on
364. 11:37YouTube. I want all the girls to know
365. 11:39me. I want people to be able to point me
366. 11:40out from any platform. And I just want
367. 11:41to see what happens when I fully apply
368. 11:44myself. Another thing I really want to
369. 11:45focus on going into the rest of this
370. 11:47year is creating more than I consume.
371. 11:50Now, this is something that is really
372. 11:52important considering what my second
373. 11:55goal was. But, one of my limiting
374. 11:58beliefs, I guess, or one of the things
375. 12:00that kind of stops me from really
376. 12:03putting my best foot forward to try to
377. 12:05achieve full-time content creation is
378. 12:08the thought that I'm going to have to be
379. 12:09chronically online. Like, there are days
380. 12:12where I just want to shut off. Honestly,
381. 12:13there are a lot of days where I'm like,
382. 12:15I want to take a break from social media
383. 12:16altogether. Like, I just I don't want to
384. 12:18be on social media for like a week. And
385. 12:19I feel like I just can't do that because
386. 12:21I'm a content creator. Hello, like I got
387. 12:23to be online. I got to be posting stuff.
388. 12:25But, I'm realizing that I can control
389. 12:29how much I consume. Like, I don't have
390. 12:31to be online 24/7 just because I post on
391. 12:35social media. Yes, I do have to engage
392. 12:36with other creators. Yes, I do like
393. 12:38engaging with other creators and just,
394. 12:40you know, just seeing what's going on
395. 12:42and stuff like that. But, I don't have
396. 12:44to be glued to my phone 24/7. This
397. 12:46requires systems though. Like, this
398. 12:48requires boundaries. And that's really
399. 12:50what I'm going to have to work on in Q4.
400. 12:52Like, finding a way to be present online
401. 12:55without feeling like I'm living on these
402. 12:57platforms. And without feeling like I'm
403. 12:59frying my brain from scrolling
404. 13:01consistently throughout the day. I don't
405. 13:02want to be constantly chasing dopamine
406. 13:04hits. And like I said, frying my brain.
407. 13:06Cuz let's be real, that's why a lot of
408. 13:08us think simple tasks are so hard these
409. 13:10days. We're so used to just sitting all
410. 13:13day and doing what's easy. Scrolling on
411. 13:15TikTok, scrolling on Instagram. I don't
412. 13:17want to be mindlessly just taking things
413. 13:19in all day just because this is my job.
414. 13:21And it doesn't have to be that way.
415. 13:23There can be balance. And last but not
416. 13:25least, the last thing I'm really
417. 13:26focusing on before 2027 is getting back
418. 13:29to taking care of myself. And I know
419. 13:31some of y'all are probably like, "What?
420. 13:33Girl, you're always talking about how
421. 13:35you indulge in self-care and how you
422. 13:37take pride in your appearance and how
423. 13:38you just do all the things that would
424. 13:40relate to taking care of yourself." Yes,
425. 13:42I know I preach those things often and
426. 13:44yes, I do those things, but I'm not
427. 13:46saying get back to taking care of myself
428. 13:48in all the obvious ways. Yes, I do get
429. 13:52dressed almost every day or at least put
430. 13:54on something presentable. I do make sure
431. 13:57my hair looks nice. I do make sure my
432. 13:58nails are done. But, there are a lot of
433. 13:59like small things that I have stopped
434. 14:02doing that I used to love doing. Things
435. 14:04that really used to make me feel good. I
436. 14:05think we forget that self-care is more
437. 14:08than just like worrying about your
438. 14:09appearance and going to the gym and
439. 14:12stuff like that. Self-care is also rest.
440. 14:14[music] Like, yeah, I told y'all I do be
441. 14:16taking naps more often than I should,
442. 14:18but well, I'm not just talking about
443. 14:19that rest. I'm talking about like even
444. 14:21creating an evening routine that really
445. 14:23feels good to me. Not just an evening
446. 14:26routine that is productive. Like,
447. 14:29there's a difference. I want to
448. 14:30romanticize things again. I remember I
449. 14:33used to do like a six-step skincare
450. 14:36routine and I never skipped a night of
451. 14:38skincare. I used to look forward to
452. 14:39doing my skincare every night. I used to
453. 14:41make skincare videos all the time. The
454. 14:42other day I was scrolling through my
455. 14:44platforms and I'm like, "When the heck
456. 14:46is the last time I posted a skincare
457. 14:47video?" I have really cut my skincare
458. 14:49routine down to like a three-step
459. 14:51process. And there's nothing wrong with
460. 14:53that. Like, you don't have to be a
461. 14:54maximalist. You don't have to have a
462. 14:55million-step skincare routine, but one,
463. 14:58my skin looked a whole lot better when I
464. 15:01had all those steps. Not going to lie.
465. 15:02And two, I was consistent at that time.
466. 15:04Like I said, I was never skipping a
467. 15:06night. I'm not going to lie. I be
468. 15:07skipping nights all the time. Am I going
469. 15:09to walk out the house in the morning
470. 15:10without washing my face? No, but like,
471. 15:11yeah, I be tripping sometimes. But, like
472. 15:13that was a part of my wind-down routine,
473. 15:14especially as a mom. Oh my gosh. And
474. 15:17even like getting back to reading. Y'all
475. 15:19know like in the The few months of this
476. 15:20year, I was reading consistently. I got
477. 15:22through so many books, but like once I
478. 15:24finished the Delgado series by Jacquelyn
479. 15:27J, I did not touch another book. I'm
480. 15:28actually going to download one tonight
481. 15:30because I just want to start reading
482. 15:31again. Like I want to get back to like
483. 15:32having a reader's high. I want to be
484. 15:35able to like cook random meals and just
485. 15:37take my time and watch a show while I
486. 15:39cook or listen to music while I cook. I
487. 15:41want to just turn on music and just
488. 15:42dance sometimes. Like things that I used
489. 15:45to do that I don't really do anymore.
490. 15:46All that stuff is considered self-care
491. 15:48to me. Slowing down, getting massages,
492. 15:50is drinking wine on a random Friday
493. 15:52night. Going on solo dates. Like these
494. 15:55are things that I just miss. And when I
495. 15:58think about like the times where I was
496. 16:00like really enjoying my little bubble,
497. 16:03those are the things that I was doing.
498. 16:05And I I want to get back to that. That's
499. 16:07something that I really want to work on
500. 16:08in Q4 so that in 2027, I am that girl
501. 16:12again. Basically just doing the little
502. 16:13things that make ordinary life feel
503. 16:15special. I don't really want my life to
504. 16:17be like work towards a goal, achieve it,
505. 16:20and just jump straight into the next
506. 16:21goal, and don't really worry about
507. 16:22anything else. I want to actually enjoy
508. 16:24my life while I'm building it. So, these
509. 16:26are some of the biggest areas that I'm
510. 16:27focusing on between now and 2027. And
511. 16:30honestly, I'm not expecting myself to
512. 16:31transform my whole life in the next few
513. 16:33months. That is not the goal. The goal
514. 16:35is to use the rest of this year as
515. 16:37preparation. To start getting honest
516. 16:39about the areas where I know I could be
517. 16:40doing better. To start building some of
518. 16:41the habits that I want to take into next
519. 16:43year. To make changes now instead of
520. 16:45waiting for January to give me
521. 16:46permission to change my life. I don't
522. 16:48know about you, but I don't want to
523. 16:49spend the rest of this year just
524. 16:50coasting. Q4 should be your runway into
525. 16:522027. By the time the new year comes,
526. 16:54you should be continuing something that
527. 16:55you already started. And that's really
528. 16:57what I want y'all to take away from this
529. 16:58video. You don't have to wait for a new
530. 16:59year, a new month, a Monday, or just a
531. 17:02perfect time to start whatever it is
532. 17:04you're trying to start. You don't have
533. 17:05to wait for the [music] perfect time to
534. 17:07become a version of yourself that you've
535. 17:09always wanted to be. You can start
536. 17:10figuring out who that person is now on
537. 17:12any given day. And by the time everybody
538. 17:14else is trying to figure out their new
539. 17:15year's resolutions in January, you can
540. 17:17be that person who already has momentum.
541. 17:19So, I want to know in the comments,
542. 17:21what's one area of your life that you
543. 17:23want to start working on before 2027?
544. 17:24And with that being said, thank you all
545. 17:26so much for watching. Make sure you
546. 17:27like, comment, and subscribe, as always,
547. 17:29and I will see you in the next one. Bye.
548. 17:34>> [music]
549. 17:41[music]