Going From Debt to 7 Figures with Tonya Rapley

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Full Transcript:

Note: This is an original transcript–edited for sense, length, and clarity.  If you have any questions or concerns, please email our host, Doria Lavagnino, at doria@sheventurespodcast.com.

00:00.62

Doria Lavagnino:

I met this woman for the first time about five years ago in a café in Brooklyn to talk about financial wellness as I embarked on my first entrepreneurial journey, co-founding CentSai. She had just passed the certified financial education instructor exam and was contemplating her next moves, and at the time she was thinking about creating a curriculum for women who were, like her, survivors of an abusive relationship. Not to sound corny and, mind you, I’m pretty sure I am at least two decades her senior, I found myself in awe of her charisma and her intelligence as I sat across the table from her.

Fast forward to today I’ve watched her become an internationally recognized speaker, a millennial money expert, a financial educator, and a bestselling author, while building her businesses My Fab Finance and Club Loofah. She works hard and smart. Last year she earned seven figures and I love that she talks about the importance of building generational wealth. She’s authentic and owns her truth. Combined with her business acumen, her faith, and her humility, in my mind she is unstoppable.

Could you tell I admire her a little bit?

She’s here today to speak about her career and life pivots and hopefully let some of her magic dust float our direction in the form of inspiration and lessons learned. Tonya Rapley, welcome to SheVentures.

01:48.15

Tonya Rapley:

Doria, thank you. Thank you for having me and thank you for that intro. Oh I’m emotional. Thank you.

01:56.10

Doria:

It was heartfelt, and you’re one of those women who I look up to and I am amazed by everything that you do and how intentional you are, and I wanted to ask you some things that I don’t know about you and wondered if you could share a childhood experience that shaped or influenced you.

02:25.79

Tonya:

Well I would say my mother and father were career military. That came with stability but it also came with a certain amount of instability because my mother was a flight mechanic for her first couple years in the service and then she became a flight instructor and that required her to travel around. I remember she had to go to Korea for a year when we had just moved to Charlotte, North Carolina. My dad had just retired from the military. My mom had decided to stay in a little longer than him. We had just relocated to Charlotte from Oklahoma City.

It was a huge culture adjustment for me. My mom had to go to Korea for a year amidst that transition. I was 15 years old. I was coming into –– 15 to 16 is a big leap for a lot of girls. Going from middle school to high school and my mother was gone and I remember saying, “You can’t get out of it? You can’t quit? You can’t tell them you’re not going? How can they send you? You have two daughters,” and my mom kept saying, “I have to go. I have to go.”

At that moment I realized I didn’t ever want to have a career or occupation that required me to leave my children when I didn’t want to. That inspired me to become a full-time entrepreneur. I didn’t know what that looked like. I didn’t have family members who are entrepreneurs. My parents were training me up to be a traditional employee, and I took that path for a good amount of time because I just didn’t know how to do things otherwise, even though I had all these business ideas and everything. That really, really sat with me to the point where I didn’t have children until I was far enough along in my entrepreneurial journey so that I could give them the childhood that I felt like I didn’t have because my parents were consistently required to travel.

04:33.14

Doria:

I relate to that so much in the sense of having children and wanting to give them the things that we feel we did not have. Most people know the public Tonya Rapley. Can you tell listeners a little bit about the private Tonya Rapley? For example, what does a typical Saturday morning look like for you these days or does it vary greatly?

05:00.25

Tonya:

It varies greatly. It depends. Me and my husband are navigating a divorce. My Saturday looks differently whether I have custody of our child that day or if he does. [If he’s with me,] we usually wake up, prepare breakfast, and decide on what activity we’re gonna do for the day. I’m part of a mom group, care and swim lessons. So usually if I have him, my day is dictated by him unless there’s something where I am going to our rental property or something that I can take him with me on but usually it’s with him. Now if I do not have him, a Saturday usually looks like me just relaxing and sleeping in, honestly. It’s funny because even though I’m an entrepreneur and I dominate my schedule and I can kind of take off what I want, I do typically adhere to a five-day workweek, or actually, I typically adhere to like a three-and-a-half, four-day workweek because I usually only work totally three and a half to four days out the workweek. But my weekends are usually for the brand partners that I’m working with. I respect the boundaries of my team so I try not to work on weekends.

06:13.65

Doria:

I’m also separated from my daughters’ father and the one thing I will say that is an advantage in my mind today is the fact that I get every other weekend quote unquote “to myself,” which is incredibly valuable. I’m not advocating for divorce for that reason, but if you happen to find yourself in that situation that was an unexpected gift for me.

06:55.78

Tonya:

Absolutely! Absolutely, Doria. Like you said, I’m not advocating for it but I get more breaks now. I get more breaks because — and this is not to bash men or anything like that — but I feel like as women we take over the maternal duties in a household, we take responsibility even if we have a partner and so that is actually a time where we can take it off and be like, “Nope, you’re in charge right now, they are with you, I am not interceding, I am going off and doing what I want to do,” and so I’ve been enjoying it. 

07:33.90

Doria:

Yes, I’m so happy to hear that. So you mentioned your parents and your background and you knew that you wanted to become an entrepreneur but when did that really crystallize for you into action?

07:50.79

Tonya:

Not until I started my business in 2013 and I saw a path forward. Up until then I had other business ideas but nothing was really sustainable, or I didn’t have the tools needed to really execute the vision. Prior to becoming a financial educator, I worked in a nonprofit, and to supplement my income at a nonprofit I did everything from starting an online vintage boutique with friends.

08:17.78

Doria:

I had no idea! So cool.

08:24.82

Tonya:

Yeah, called Cooper Lane. Me and my friend Givana had an online vintage boutique, Cooper for her mom’s maiden name, Lane for my mom’s maiden name. I did that with her. When I first moved to New York City, I actually had a music blog and I managed a violinist during that time. I did a few things and I took a break. And I think that I really do advocate for people who want to become an entrepreneur but aren’t sure what they should be doing to give themselves the time to take a break and sometimes go into the workforce because that’s what I did. I went back into the workforce and was working at the nonprofit and the idea for My Fab Finance solely revealed itself because I was creating programming for low-income women, created a finance workshop, started my own financial journey, and started sharing that and realized that people needed financial advice from the perspective of someone who didn’t come from a finance background. That’s when My Fab Finance was born. That came out of saying, “I’m not going to continue to try to force entrepreneurship or start my own business, I’m going to go back into the workforce and let it reveal itself to me.”

09:27.43

Doria:

My Fab Finance is an amazing resource. I look at it, I love it. Can you tell listeners about your, I wrote wealth-building journey, but I guess financial story from where you started because you’re very open about the fact that you started with a low credit score and you were also in an abusive relationship and it was an evolution, I would imagine also personally as well as professionally, to where you are today. I guess I’m wondering what were the first steps?

10:05.58

Tonya:

For me, I want to test anything that I offer to people. For me, I need to be my first client. I need to see it work. I need to have that example of the proof of concept in my own life. So My Fab Finance started with myself.

It’s like, “Tonya, can you effectively coach yourself, and do your strategies work for effectively coaching yourself?”

Once I realized those worked, then I began sharing them with others and coaching other people on their financial goal. And the same as I build out my personal brand. So with My Fab Finance I’ve been doing it since 2013, I’m going on 10 years, I became a certified financial educator at the end of 2014, went full time in 2015, so I’ve been doing it for quite a bit of time. There’s so many more layers to me and so that involved creating my personal brand and now, as I create my personal brand, I find myself doing the same thing even as I’m navigating this transition from being married to divorced. How do I use the pieces of my story, my own experience, to empower other women? And my personal brand is currently all about that, helping high achieving women design lives that align with their truest values and really allow them to operate as powerfully as they can with confidence and ease. It’s taking a similar trajectory. Implement it yourself, test it, try it out, do different things, tweak the process, work with a few people to make sure that it is effective, tweak it from there, and then scale it. That’s my recipe. Do it on you, then help others, tweak it, and then offer it to others.

11:57.71

Doria:

You have probably taken an MBA course and simplified it in three sentences. I don’t have an MBA but, honestly, you’re so right. People have become so esoteric about products, and testing them out, and product market fit, and blah, blah, blah. They make it so technical but honestly you’re right, if it works for you, try it with other people, see how it might need to evolve, if at all, and then if it is something that is sustainable and is helping others — I love how you put it.

12:39.32

Tonya:

Thank you, thank you. It’s effective for me and that allows me to show up in a way that I feel honors my integrity. I don’t ever want to offer myself something that I didn’t do myself. I don’t ever want to build a business on something that I can’t do myself or that I’m not completely confident that it is effective and impactful. This works for me.

13:06.39

Doria:

How has being a woman of color influenced your mission?

13:10.90

Tonya:

I think that I use it as an asset. And so one of the things that I look at it as is it’s my authenticity asset. It allows me to show up exactly as who I am. I’m often in spaces where there aren’t a lot of women who look like me, especially in the finance industry. And I realized it’s gonna be one of the things that makes me remarkable in this space.

Whether it’s being a woman of color, whether it’s being a woman in a male-dominated space, whether it’s being a woman of Latina descent, or whatever your unique thing is: Own that because it makes you remarkable and people remember you when they interact with you or when they recall scenarios, such as when I first met Doria, as she said at the top of this podcast.

But it also demands a certain responsibility for me to my audience and the understanding and compassion of their unique experience. As well as ensuring that that unique experience is communicated with the brand partners that I work with. I feel responsible that people understand that there is a perspective that is being brought to the table that is shared by myself and other women. When I speak to you, I’m not only speaking as myself but other women who share this experience with me as well. And I want to make sure that I bring us to the table whenever I’m at these tables that we’ve traditionally been excluded from.

14:29.96

Doria:

Yes, that is all I could say to that. You’ve built an internationally recognized personal brand, as you said you focused on that as well and are focusing on it and continue to focus on it. You also have incredible engagement, I’ve noticed, on social media. I wonder now if part of that is in that recipe that you described of ensuring that what you do works for others and being authentic and showing up and you engage with people; you don’t just broadcast, you engage.

15:07.75

Tonya:

It’s part of building that community and if I’m being transparent, one of the things that I want to work on even more this year is just continuing to foster that community because we are nothing, especially as content creators and entrepreneurs, we are only as strong as the communities that support our mission and our brand. It’s because of my community I’ve become an internationally-recognized speaker or Amazon bestseller because they support what I do. I’m here in service of them, as well as myself, and I think that that’s also a reframing that I had to do from early on is that I thought it was all about my community but I’ve also built this business to serve me. That requires that I create a space where I can show up being myself and being the layered version of myself comfortably and without having to worry about extreme repercussions. Everybody’s not going to agree with the things I say, the things I do, the things that my community manager says or does. But our goal is to do that with the idea, or with the intention, that those who resonate with our message will stay around, those who feel like they finally see me for the challenges that I’ve had and the struggles that I have and they’ll stay around and they’ll become active members of our community. I feel like we do have a strong community online and we do have engagement but my goal this year is actually to improve that. That’s where I feel like it’s one of my weaker spots.

16:32.78

Doria:

Wow, if that is a weaker spot, I’d like to know what your greatest strength is now. Do you have any dos or don’ts for entrepreneurs who may be starting out building their brands who look up to you? 

16:49.60

Tonya:

I would say you see where I am today, but I would say study the beginning of my journey. Because sometimes people try to replicate where someone is because they meet them at that space without understanding what I was doing seven years ago when I started this website. I was only focusing on that, I was taking every opportunity, I was consistent with creating content. So yeah, you might see me post every two to three days now on my personal Instagram but that’s because when I first got started I was posting two to three times a day. I was extremely consistent early on and then earned the trust of my audience where it allowed me to relax somewhat and then begin to move into the life flow that I wanted.

So I would say study the early days of entrepreneurs — don’t study where they are right now because that’s going to show you how they got to where they are and how you can move in the direction of where they were. There’s one thing I would say is just that I focused on one thing. You mentioned some of the brands that I have my hands in, I have Club Loofah, I have my personal brand, I have My Fab Finance, and My Fab Finance started all of that before I added the different elements. I created My Fab Finance in 2013, I bought Club Loofah in 2019, I launched my personal brand in 2017. So there was still a chunk of time that was allocated to just focusing on My Fab Finance and, to be honest, we’re still tweaking it. We’re still working on how to make that better. We’re still making adjustments. So the next thing is what you start with does not have to be your final iteration. And it will not be your final iteration because as you learn what you like, as you learn what your audience needs, it will evolve and I would encourage people to also staff according to the needs of the direction in which their business is growing eventually. 

18:32.72

Doria:

That makes so much sense not to over-staff or under-staff but be able to see where you’re headed, or at least be open to it, and move along with it, not resist it, unless it’s something that you really dislike. If your business is going the way that you feel it can manifest with integrity, then that’s great.

19:01.13

Tonya:

Exactly and that’s my goal is to operate with integrity. I think that’s a responsibility that we have for the audiences that trust us.

19:09.33

Doria:

This is a question that I’m curious about personally but you can just tell me to bugger off if you want. Between the three brands, or the four — you have a number of revenue streams. But I was curious, last year could you share not the numbers but percentage wise what was the biggest source of revenue for you? 

19:37.68

Tonya:

The biggest source of revenue for me was brand partnerships. About 60 percent of that was brand partnerships. The rest was book sales, course sales, my coaching programs, affiliate income, and licensing income.

19:55.69

Doria:

And you’re also doing a lot of coaching as well but not, as I understand it, not personal coaching. It’s course coaching with you in it but not one-on-one, right?

20:09.26

Tonya:

So I don’t do one-on-one in any of my strategies but I’m actually going to be opening up my VIP days once a quarter because there are some people who do want to work with me to create their own – whether it’s growing their finance business, whether it’s growing a brand, whether it’s growing a business strategy, and I realize I do have a knack for that. After doing this for so many years, that’s the only one-on-one coaching option I will offer but that’s gonna be at a premium price point. But everything else that I offer is the one-to-many model. So with My Fab Finance, we have our boot camp, which I taught last year and I’ll be teaching the boot camp that we do, actually we’re starting our next boot camp next week. I’ll be teaching that but I’m onboarding coaches now that will be coaching within the boot camp. I’m slowly phasing myself out of that so that it can operate on its own. And then with my personal brand, hands-on, I’m hands-on. I have a program called the 30 Day Shift where I work with women for 30 days to help them dramatically create a shift from where they are to where they want to go. We create that plan and start to get them taking action that creates momentum for them to finish their goals. That’s something I’m personally working on now because I’m in the learning phase of teaching within that, and then my signature event: Design Your Life Day. So I’m slowly moving it but it’s still a one-to-many model for both brands. Exactly.

21:26.12

Doria:

Which is scalable, right? Yeah and it gives you time to focus on what you really want to focus on which is great.

21:35.16

Tonya:

One to one, absolutely not. Absolutely not.

21:40.98

Doria:

Motherhood: How has that pivot changed you and how has it affected your personal and professional goals?

21:50.56

Tonya:

Motherhood. I was motherhood-minded before I even had my son. Like I said, that was one of the reasons that I wanted to become an entrepreneur. But time, I have to be more mindful of my time, whereas when I was the entrepreneur that did not have a son, I could work until 6 am and sleep the entire day if I wanted to finish a deadline. My son, I can’t do that because he’s gonna be up at eight o’clock, ready to go, ready for the world. It’s like, “No, no, get back in bed. No he does not understand that.” For me it has been, or had been, my time, that’s been the biggest impact, my time. Also I wanted to create more time for him, I wanted to say, “No I’m taking a week off and taking my son to Florida and we’re gonna spend time in Florida,” or after I had him, I don’t want to travel as much. I’m not gonna get on the road and do as many speaking engagements as I did before I had him. And it changes with each age group or with his age. The things that I did early on while he was an infant where I was nursing and he wasn’t walking are different now that he’s a toddler that has opinions and interests and talks. I had a podcast that I did last week and I had to take him with me because his father was traveling, my nanny was overwhelmed, and I had to take him with me, and I had to explain, “My son’s here, he might run in and out of this podcast. He might affect my train of thought but this is what we’re gonna have to do.” It’s required a lot of flexibility on my part and the individuals that work with me but it also has demanded that I rely on my team more, and when I say my team that is the people that I have hired to support me in my business, the people who are in my family, whether that’s his father, my parents, my sister, and the people that I’ve hired to support him, which is his nanny. I have to delegate more. I have to communicate effectively my needs and forecast my needs. As well as being comfortable and confident that I can rely on them without having the mom guilt that I’m doing something wrong by focusing on what my needs are in that moment.

24:06.67

Doria:

I have suffered from mom guilt. After my first daughter was born, she’s now 17, almost 18, I went back after 10 weeks because I was just like, “I am not made for this at-home thing. It’s just not for me,” and it’s not at all talking down to moms who want to stay at home, I think it’s an amazing choice if you can do it. But I had a lot of guilt no matter what I did, whether I worked, whether I stayed at home, and it sounds like you’ve given a lot of thought to how you’ve navigated that.

24:41.64

Tonya:

Yeah I have.

24:45.70

Doria:

I admire that.

24:56.53

Tonya:

But I’m still not perfect. I still have the mom guilt and I have those friends that remind me that — I had a friend, I was on a panel, I had mom guilt that I missed my son’s first dentist appointment because I had a speaking engagement but it was a speaking engagement that paid me exceptionally well, literally $1,000 a minute and I was like, “Okay I’m gonna make this,” and one of the things that she told me, she’s like, “Your son is 3 years old. He is not going to say, at 18 years old, he is not gonna pick a fight with you because you missed his first dental appointment. He’s not even going to remember this,” she’s like, “that’s important to you and that’s okay that it’s important to you but don’t place it on him,” and I have to remind myself of that sometimes and say, “Okay he’s fine. He’s happy. He’s supported. He has the village that you put in place to support him. Release the guilt and do what you need to do because it’s not serving anybody.”

25:34.68

Doria:

You mentioned that you’re going through a divorce. Is there any advice that you have for female entrepreneurs who are navigating that life change?

25:54.72

Tonya:

One of the best pieces of advice I got was to try to avoid making any major life changes if it’s not necessary. I think that sometimes when we go through divorce we want to just throw the baby out with the bathwater. We’re like, “I want to get rid of all this. I’m moving out and I’m doing all this,” and someone told me, “Make your life as simple as possible right now.” I really focused on simplicity in doing things step by step by step. Having other people who have navigated it or are navigating it has been really helpful outside of legal counsel. Because they are like, “These are things that saved me money. These are things that create a peace of mind. These are the things that we didn’t think about,” so having those candid and honest conversations with people I think that when we’re going through divorce, and I know initially I felt like a failure. I felt like “Oh my gosh I wasn’t able to keep my marriage together,” but for me, it wasn’t that, it was, “No, you could have stayed but you wanted to choose something better,” I don’t want to say something better, “but you wanted peace and you wanted to model peace for your son and you wanted to create a life that truly aligned with your values, and your marriage no longer fit into that and that is okay, you did not fail, if anything you are courageous for going choosing yourself and choosing your happiness and choosing what you feel like is best for your son.” I really had to reframe that, and then once I started to reframe that, I was able to focus on what we needed to do.

27:27.78

Doria:

How long of a time did it take from the initial seeds of knowing that that was the direction the universe was taking you to action? Because I know that many people, including myself, existed for years in ambivalence.

27:43.95

Tonya:

Yep, it was about two years, it was about two years for me. And I think that’s also why I was in a good position because mentally I was like, “Okay just in case, this isn’t forever, because this isn’t the thing that is going to be your forever, you need to be planning for what it could look like after this.” So it allowed me to properly plan.

28:12.23

Doria:

Interesting. You did that as you were getting married? So in the back of your mind?

28:16.65

Tonya:

Well no, me and him were married for six years. So we were four years into our marriage and I was kind of like, “Huh. Okay, this might not be forever,” and there were some other things, there were things that he did. I just woke up. It was also like, “Huh, okay, this person is capable of this and I don’t like it. All right, what does this mean for my future and does this mean that I could comfortably and confidently move forward with a long term future with this person knowing what they’re capable of?”

28:44.50

Doria:

Moving back to business, and I have just five more questions because when I heard that $1,000 a minute I’m like, “Oh my gosh, I don’t want to waste your time!” What is the best and what is the most regrettable business decision that Tonya Rapley has made to date?

29:05.72

Tonya:

The best decision was becoming a full-time entrepreneur. Absolutely, the best decision was becoming a full-time entrepreneur. The most regrettable decision, that’s a good question. I think things that I regret in the moment I frame them as life lessons. I don’t really know if I truly regret anything other than financial choices I made, not taking advantage of earning an income or earning a salary and buying investment properties early. Getting into that early on I think that that is a mistake that I made. Definitely wish I would have done that. So I would say investing early on. Investing in assets that would appreciate in value that I could be generating positive passive cash flow off of right now. I wasted a lot of money early on in my younger years. I was focused on living, which I’m happy I did that too, I’m very happy I did that. I moved to New York City at 24 after going to college in Miami, Florida, and I was focused on living and getting the most that I could out of life. So I’m happy that I did that but I wish that I would have been more intentional about creating the framework for passive income at that time.

30:38.00

Doria:

Great answer and so useful for everyone. Who are the women that you look up to and where do you find your inspiration during hard times?

30:46.67

Tonya:

I have entrepreneurial friends that I look up to and I look up to people for different things. One of my friends, her name is Tony Jones, she’s reinvented herself. She’s peaceful. I look up to people for the peace that they have, or the clarity that they have in their decision-making, or how confident they are in their person. For me, that’s an accomplishment. I think that a lot of us if we take consistent action, we can be successful in what we want to be successful in. But it’s more work to be happy with the person you are and the way that you show up with the world and be competent and unwavering. So those are women I tend to look up to, like I said my friend Tony Jones. There’s a woman her name is Lizzie, Lizzie Jeff. I look up to, early on especially before I became a mother, moms who were modeling how I could become a successful mompreneur. So one of my friends Maddie James, another friend Patrice Washington. I also look up to other women business owners. So Jacqueline Johnson of Create and Cultivate. Brit Morin of Brit + Co, my friend Sevetri Wilson of Resilia, Morgan DeBaun of Blavity, and other women who have successfully created successful businesses. I love the everyday winner. People say Oprah and everything else. She’s great but I don’t know her life. I like people where I know their life and I know personally how they interact with others in the way in which they conduct themselves and I’m inspired by that.

32:25.40

Doria:

It’s interesting you say that about Oprah because I used to ask at the end of my podcast if there’s one woman that you could have lunch with who would it be, and I would say Oprah was number one, Michelle Obama number two, and once I got Condoleezza Rice. So I thought it was really interesting that they were all women of color but it was Oprah, Oprah, Oprah and, to your point, we really don’t know anything about Oprah. I’m sure she’s amazing and has had her own trials and tribulations as we know but it’s the everyday women who do amazing things.

33:05.47

Tonya:

It’s the everyday women and I think that there’s something valuable about meeting people before they arrive at the level of excellence that they are because they’re still in the day to day. Even myself, I’m thankful that I have my team because we were offering a program and I realized I’ve been doing this for almost 10 years now, and I realized how far along how far I was from the woman who started My Fab Finance. We were offering a program that was only $397 and my assistant reminded me, “Tanya, that’s a lift for some people, they have to plan for that.” And where I’m at, I’d pay $400. I’m like, “Here.” That’s because I’ve grown to that place and it reminded me of the value of interacting with someone who they aren’t far removed from those days where they were in the trenches, where they were doing the work, where they were pulling themselves out. So for me, it’s most valuable to talk to people who just pulled themselves out. If I’m gonna have dinner with anybody, if I’m answering that question, I would say someone who could give me direct advice based on my business and how they scaled theirs, so Amy Porterfield. Someone who I feel could give me the right, specific, tangible, walk-away items. Not inspiration. I don’t need to have lunch or dinner with somebody who’s gonna fill me with inspiration. I need someone who will say, “Hey, I see how you’ve been operating your business. I’ve been following you on social, and I think that these are the things that you could do to really improve your processes or the way that you show up for your audience.” That’s who I want to have lunch with.

34:49.30

Doria:

I love it, always growing. Where can listeners learn more about you, as if no one knows about you, but you never know there might be someone on this planet.

34:57.62

Tonya:

You never know and I hope I’m somebody’s new BFF in their head. So my personal brand is TonyaRapley.com, and that’s where I’m doing a lot of the work and where I share a lot of the women behind the businesses that I’ve built. That’s where I share a lot about my motherhood journey, that’s where I’m sharing about the path to choosing myself and choosing my own joy and my own happiness and creating a value-aligned life, and where I share how I curate peace in my day to day. But then there’s also My Fab Finance, where I talk about financial education. That is managed by my social media manager, my team. So you can find us at My Fab Finance or at @tonyarapley. For anybody who is interested in working with me on the personal brand format or the personal growth area and they’re like, “I’m ready to shift my life,” you can find that at TonyaRapley.com We’ll be opening up the 30 Day Shift in July, so we’re collecting the waitlist now for anybody who’s interested in working with me. 

36:02.79

Doria:

I may be signing up for that one. That sounds pretty cool.

36:09.51

Tonya:

I would love to have you in there. While we’re doing this, I actually want to say one of the biggest compliments to me is people who have worked with me before signing up to work with me again. While we were doing this podcast, one of the women who was in my 30 Day Shift and we had a great experience signed up for my My Fab Finance boot camp. So for me, that’s such a tremendous compliment where you’ve worked with me before. You worked with me for 30 days and it was so valuable that you turned around and want to work with me for eight weeks. I really take ownership of the women that I work with. I’m far removed from the days where I had to think twice about spending $300 to 400 on something, but I’m not far removed from the desire to want to create impact in people’s lives. And any interaction that I have with a –– I don’t want us to call them a client because they really become family –– has to have integrity, and it has to be the way I would want to be treated by someone who I was trusting to work with me.

37:02.58

Doria:

Yes, and you’re intentional and that’s what I love about you. You’re intentional and you have integrity, and that is something that either shines through or it doesn’t. And I really just look up to you and I can’t wait to see what comes next and maybe I’ll learn about it in July when I learn more about my own journey.

37:28.42

Tonya:

Yes, I’m excited for you. I’m really excited for you. And I think that we go through all these things, and I would say I’m one of the people who is my own student. It makes me think about going forward I might create something for women who are transitioning from divorce because that’s another whole life leap.

37:43.77

Doria:

Oh absolutely, I think there is so much to be done there. Tonya, thank you.

37:46.46

Tonya:

Thank you so much for having me and allowing me to share my story.