GCM 210 | Change

 

We all have our shares of ups and downs in life, but the real question is: how do we handle those? Shifting our mindset into a better one could lead to outstanding results. When we adapt to change, we recognize that we are capable of driving ourselves into a positive and realistic path and discover our true potential. In this episode, International speaker and mentor Nadine Lajoie shares deep insights about the significance of determination in achieving goals and the five traits and disciplines people need to adapt. Furthermore, she talks about financial literacy and how it could improve our lives.

Listen to the podcast here:

Adapting To Change Through Discipline And Financial Literacy With Nadine Lajoie

I am excited about this show. I have an incredible woman by the name of Nadine Lajoie. She has been featured in Forbes, USA Today, ABC, FOX, CBS News, and many other taught media platforms. She’s shared the stages with speakers like Tom Hopkins, Les Brown, and Stedman Graham. She brings many years of experience into the finance industry. She has a Bachelor in Actuarial Sciences. She is now a CPA Team-Based Model Consultant, international speaker and mentor, real estate investor, and number one best-selling author. I’m excited because someone with this breadth and depth of expertise is here to share with you not only how you can be successful based on her experience, overcoming obstacles and challenges in life but also how you can save a little money. We are all about saving money here on the show in your business. Let’s welcome Nadine Lajoie to the show.

Thank you so much for having me. I’m glad to be back.

This is the second time around. That means that you are busy out there, making it happen, changing the game for yourself and a whole lot of other people. I’m excited to have you back. What’s going on in your world? What’s been happening with you?

That is the question on the lips of everybody. With what happened in 2020, a lot of people had to redo, rethink or re-imagine themselves. Like everybody, I was affected with all the crisis and clients that want to see me. Now, we need social distancing. Like you, I am an International Speaker, bestselling author and I cannot speak anymore in front of thousands of people. It’s fun to do Zoom once in a while but because I was at home for six months, barely doing anything, I was, “What is the next challenge or thing that I wanted to do that I never had time for?”

This is a good time for everybody to reflect and take action on something you never had time before, which I did. I started to rebuild a new website, new branding and bringing my financial planning business from years ago, my real estate investment and tax-saving business, and my speaking altogether to help people save money, reduce expenses and stay alive during that crisis. We need to be flexible and rethink the way we do business and adapt. Like motorcycle racers, we always need to adapt and be flexible about what’s in front of us. This is a good opportunity for 2020 and 2021 to do that.

Focus on what you want and not on what you don’t want. Discipline is doing whatever it takes. Share on X

Many people are finding that the thing that they hadn’t had time to get around to is what they are getting around to now and you’re bringing it forward. I love the idea of adaptability. A couple of characteristics that I find very useful during tough times is adaptability. The other one is agility and flexibility. The ability to change directions, to switch to plan B, and become dis-attached to plan A. Sometimes that’s difficult. What has allowed you to make the switch so easily? For a lot of people, that attachment to planning A is something that’s difficult for them to let go of. What’s been your remedy for success with being able to adapt so quickly?

In my life, I adapted many times because I wanted to be an actuary and work on big pension plans. In ‘92, after the recession, 1991, I didn’t get a job. I wanted to also be an artist and I never had to do it. The best way to explain that is my Five Secrets for High Achiever. I’ve used that in many things in my life from volleyball, piano, music, and business. When you have those five traits or disciplines that you do, that will help people to adapt.

The first one is focus. Focus on what you want, not what you don’t want. Like a motorcycle racer, when you are in a corner, you cannot focus on the finish line. You are in corner number two. You need to focus on what you have to do at this present moment. That’s one of the first ways to be flexible because you look where you want to go, not where you were. It’s a big challenge. Adrenaline is number two. What makes your heart sing? What makes you happy or waking up in the middle of the night? For me, because I’m in businesses for years and studied a lot of different groups. I discover a group with 45 different tax experts. I’m like, “I helped a lot of my clients in 2000.” Years ago, I was working with a lot of multi-millionaires with a $10 million tax shelter for $1 million, saving them 39% or 42% of their money as retirement. I’m like, “What can I do here in the US to recreate that success and helping people with taxes?” That adrenaline and passion came back to me. That’s where I started to focus again.

Focus, adrenaline, discipline is doing whatever it takes. When I was a motorcycle racer, I was always the first one walking the race track in the morning. In my coaching business, I was always the first one to take seminars, webinars, and training. You need to create that discipline every single day. If it’s 15 minutes, 1, 2 or 4 hours. The more you are focused, clanging, or diving into it, the more you will be successful. During COVID, being stuck at home for six months, not being able to see any clients. I didn’t have a choice. 6 or 7 hours a day, I dive into the discipline and learning. I took a class for 120 hours, focused there, and within the next 2 to 3 weeks, I was able to master and relearning those concepts that I had known before and the new concept that is on the market right now. Discipline is the thing that people hate but that’s what we have to do.

GCM 210 | Change

Change: When somebody presents you with a business opportunity, make sure to take time to analyze it, even if it’s not your cup of tea.

 

What I love about discipline is a lot of people think it is very restrictive and constraining but it gives a lot of freedom. When you talk to people that are very disciplined, “How are you so disciplined?” They say, “It’s because of what it brings to me.” “What does it bring to you?” “It brings me a lot of freedom. When I have a disciplined that’s present, it seems that in life I have more freedom to do X, Y, Z.” I want to bring that up because there’s a misconception about how discipline takes away. It gives, freeing and liberating.

Discipline is also taking a step back. Learn your skill or craft to take 2 or 3-step forward to give you that freedom, lifestyle or family trip that you want to do. The more you are prepared, the better you will be able to overcome all the humps along the way.

When you’re going through a pivot or restart, it requires taking that step back. If you are in a game, when the opposition does something that slaps you in the face or knocks you off the game, it’s okay. There are rules of the game. You have many time-outs. You save and use those time-outs when “Things are not going as planned. We weren’t expecting this to happen.” You that in the game, things like that can happen. It shouldn’t take you by surprise but when it does, you have your time out. That’s when you get to take a step back and, “What do we need to do to address this situation?” It could be taking a class, diving into a new field of expertise, and learning that expertise. It could be stopping what you’re doing and not executing that anymore and taking that step to understanding what is it we are going to do when we get back out onto the field.

When we’re in these positions of pivoting, restarting, and taking that step back, I know that’s hard because when you’re in a game, you want to go forward. I learned, especially as a running back which is what I’m playing when I was in football, you have to have that patience and wait for that opportunity to present itself. It’s good to have that speed and the power to go fast when necessary so you can hit the hole but you have to have that ability to step back and let things transpire in those conditions, develop, create your opportunity so that you can take it in it when it’s there.

I noticed that a lot more because I did more one-on-one coaching than usual. I have a lot of students and clients. In the first six months, 40% or 50% of my clients were stressed. They were not sure if they will keep that job. A lot of them lost their job forever, losing their business or landlord real estate investment. We have to analyze the numbers and see if we can save that business, what can we do to reduce expenses to maybe find another source of revenue and other sources of referring parties or affiliate programs to get people over that hump.

In the first six months, that was obvious that almost half of the people will have to recycle themselves into something else. I was telling them, “What is your passion? What is your adrenaline? What did you not do all your life, something that you never had time for?” A lot of people were saying, “I want to start a business but I don’t know-how. I want to start a website, I don’t know how.” I said, “I have all those training for beginners to middle expertise people to help you with.” I gave away a bunch of training in 2020 for free, for my real estate training, coaching training, how to start your website with $100, and looking professional right off the bat within 1 day or 2. I helped a lot of my clients to take that next step in the next direction. I’m not saying everybody is making $50,000 or $100,000 a year but at least it’s taking those baby steps that will lead the people to the next place.

That brings me to my fourth point, which is practice and practice again. Be the first one on the racetrack in the morning, be the only one when it’s rainy outside to be on the racetrack trying to put your knee on the ground. That was me. People were coming to see me when I was on a new racetrack. We were not a lot of women. Maybe 4 or 5 women out of 500 guys. We were always the attraction and people are trying to come to see me, give me advice and console me. I was, “That’s fine,” until I realized that most of the people who were giving me advice, putting the work into it. After one day, I was passing them on their own racetrack. It’s one of my things.

Never give up and recycle yourself. Be open to see what is in front of you instead of what is at your back. Share on X

Never learned from people slower than you. Always learn from somebody who’s faster than you, faster to adapt, to get to the next tramp, to make a connection with the right people. Follow people who are fast. Stop following people who are slow, complaining, being complacent, stay at home and be negative. Try to surround yourself with the best people. This is my number five, the coaches. Find the best coaches there in your field. Always have 3 or 4 different coaches. One for your personal life, one for your professional life, and one for your spiritual life. Having a coach for your book, website or real estate investment. People who are successful are never stagnant. They are always moving forward in some way.

You are someone who has recycled yourself. I think you heard tried if you say that word more than once. This isn’t the first time you’re pivoting. You used to ride motorcycles and I think some of your top speeds are up to 180 miles an hour or more but you’ve also transitioned from 180 miles an hour on the racetrack to eight knots on the water. You’ve been a champion motorcycle racer and a world champion at sailing like a boat racer. Talk to us about the mentality that you’ve had to have to be a champion on the racetrack and then transitioned to be a champion as a boat racer.

It’s all the same thing, those Five Secrets for High Achiever. In 2000, I was a champion volleyball player. I finished nine in the Canadian Championship, played against five of my friends who did the Olympics in 2004. I was training with those ladies and broke my knee for the first time. I had to recycle myself. I tried golf. I’m okay but not that good. After that, I switched to motorcycle racer about 15 or 20 crashes for competition and 1 collar bone, I was starting my speaking career also in the US and I got 2 or 3 speaking gigs that prevented me to go to 2 or 3 races. I’ve left all my chances to finish three in California, I recycled myself.

A couple of years later, somebody presented me, “If you want to learn how to sailboat racing, it’s pretty fun.” I’m like, “I’ll try.” This is one of the trade-off champions. They are trying. We are open to everything. Somebody is presenting you with a business opportunity. I’m sure you’re taking time to do it, to at least analyze it. It’s maybe not your cup of tea but we are willing to try, to go somewhere else and having the right mentors, coaches, brightest, discipline, adrenaline, and the focus. We need all that. When that opportunity was presented to me, I said, “Okay.”

He said, “I can coach you any position on the boat, just choose which one you want.” Finally, I chose a bow for sure. That’s where there is the most adrenaline. Within only ten months, I was able to coach other women and other men how to sail a race boat. Why? It’s because I learned it from the best of the best and I applied everything, every concept. I was coming back home and taking notes. I was dreaming of it. I was visualizing it like I was doing in motorcycle and volleyball. All about your mentality, like a Game Changer Mentality. This is it.

GCM 210 | Change

Change: Always learn from somebody that is faster than you and follow them so you will achieve your goals.

 

There’s so much to pull from what you’re seeing in here because of the adrenaline piece of passion. That has a lot to do with your ability to learn the skill so fast to the point that you’re able to teach it at ten months. That’s because you’re feeling this, not just doing it but you are embodying and feeling what you are doing. Your mind isn’t taking it on, your whole entire being is taking it on because you’re so passionate about it. You’re feeling that adrenaline. That’s something to be said about where we are and the things that you want to get into that maybe you’re pivoting into. This is an opportunity to take on those things that you have that adrenaline for because that’s the recipe for success and then being open to trying. What we get into a lot of trouble is, we have a vision of what it is that we want and that’s awesome. Everyone should have that. As you go about navigating this vision, those goals, the journey and process, new opportunities will present themselves to you. It’s having that open mind.

I believe that the mentality we want to have whenever we want to go to point A to point B, is we need to try out a path to get to point A to point because that gives us a blueprint, a journey to start marching towards but realize that in the midst of that process or that journey, there could be new pathways and new opportunities that present themselves to us. We have to be open enough to take on those opportunities and not have a rigid frame of mind because sometimes we get stuck in, “I put time and money into this. I’ve invested in this. This is what I’m doing. I’m stuck with this. This is what I’m going to do.”

We don’t open up our aperture to see better opportunities that can get us where we want to go. Maybe even quicker, you can take those quantum leaps at times. I don’t like the term shortcuts. It could be opportunities for you to experience something new, to grow it in a new skill that you weren’t aware of previously. All kinds of things can come out of that. You got to be open to those things. That’s where you may find the passion and adrenaline that you’re looking for that makes you embody the experience to the point where it does not work. It’s fun and bliss. It’s everything that you want to receive out of life.

That brings me to one of my own experiences in like you said, “Discover your passion, mission and spiritual quest.” We have that turning point in our life where everything went from dark to light. Like me, I always say from suicidal to champion. I was a suicidal person. Up to 25 years old, I always wanted to kill myself. I was good at sport and music. I had 95% in my school and I was crying. I was good at volleyball but I was never good enough because I was chasing perfection instead of excellence.

I got to beat pneumonia many years old and I almost die. I was only 25 years old. I was sick for three weeks. I lost 18 pounds. One night, I was crying. My boyfriend was about to leave me. I had a house to buy back from him. Nothing was working. I was a secretary at $18,000 instead of being an Actuary at $80,000 or $180,000. Nothing was working in my head but in my heart, I had that big hole. When you have that big hole, you cannot feel or explain it. Even if you have everything in life and a lot of people are following that depression, anxiety, suicide rates are going up, that big hole inside of ourselves, we cannot explain it. We can embrace it and live with it. What changed my life is that TV show. That’s why I became a TV interviewer, so that’s why I follow the path of media, radio, TV, magazine because that’s maybe changed my life. She said, “If you want to commit suicide, you can but you need to call at least one friend.” That night at 3:00 in the morning, I called my mom. She listened to me with her heart and soul. She didn’t say anything. She didn’t say I was good at everything like she does usually. She listened to me.

Be patient and wait for that opportunity to present itself to you, then recognize and grab it. Share on X

That’s the message. Everybody, you have a friend, someone that will listen to you with their heart and soul. My message in everything that I do is part of chapter four in my book is, “You have a friend. You need to share that story and that moment where you were at the bottom of the stair and you need to get up.” For me, that was that moment. I want for people to listen to, “When you’re down and troubled and you need some loving care and nothing is going right. You’ve got a friend.”

I’m sure there’s someone out there that needed to read that. That’s something to be said, “We have a friend.” Sometimes we forget that things can become difficult and challenging that we forget we’re not alone. We have someone that we can call and talk through it. We’ve talked about a lot of game-changer mentality strategies. You can be agile, black simple, you want to be disciplined, “I have an open mind.” I love the fact that we’re getting down to the granular, basic stuff. Talk to a friend. Let them know how you feel because it’s okay to feel the way you feel. It’s an energy and emotion.

Sometimes, things happen in life that cause you to feel that energy. There’s a time and a place for everything. Maybe it’s that time we are like, “This is hard.” I want to be one of the first people to tell you this, things can be hard. We’re game-changers. We have a lot of tools. We play well with star players, know different strategies of the game, practice the fundamentals, and put in our hours. We out there in the field, we know how to play but that doesn’t mean that there aren’t games that are downright hard and difficult to play. There’s a challenge there and it sometimes makes you feel like you don’t want to go out there on the field like, “Coach, can I sit on a bench? Play somebody else. I don’t want to play today. It’s too rough out here.”

I talked to my dad often and I call him up at night. “It’s difficult to turn this corner. It’s hard. I don’t want anything. I want to be able to tell you that me, Rodney Flowers, out of everything that I’ve accomplished, it’s still hard. It’s hard to even nowadays to maintain the routine, keep up the discipline, stay a champion, stay at a star player, stay in the game. Sometimes you don’t want to suit up. You don’t even want to face it like, “Can I just go on another planet, chill, and be one of those people that stepping underneath the umbrella all day and nobody bothered me. I had no responsibility, nothing that I have to do. Nobody I have to see. No meeting I have to go to. I don’t have to be the train or the resilience guide. I eat, do, say what I want and that’s going to be okay.” We have those conversations. Those are important because I believe, in life, everything requires balance. That’s the one thing we haven’t talked about. As a player, you got to have balance in the game and be able to shift your weight.

For me, motorcycle racing is, you are never sitting in your seat. You are always one knee on the ground and one side on the other side. Even if you go at 180 miles per hour, you never have time to sit. You are dancing with your bike, life, dancing, and challenges. It’s like grief or a smile in your helmet. One of my coaches on the motorcycle is like, “If you are not smiling when you are racing, it’s impossible for you to win.”

A race where I finished third at Daytona against 75 guys was the first time since 1984 that they didn’t even have a woman on the racetrack. It was raining. I didn’t want to go. Half of the people didn’t show up because they didn’t even take the start. How can they win? Something switched in my head and say, “This is my chance to podium.” There were half of the people not on the grid. Instead of being 35, we are only maybe 15 or 17. I smiled in my own helmet, breath, focus, dance with my bike, dance with life, hearing the wind.

For me, it was one of the biggest lessons of my life because in the last couple of corners, I roll off the gas a little bit and one guy passed me. I could have finished second but because it became in my comfort zone for the last few corners, I finished 3rd instead of 2nd. How many times that happens in your business, life, and relationship? A lot of people say, “My divorce was the best thing in my life.” For me, being suicidal was the best thing in my life because, after that, I went from the bottom to the top. Having cancer or health issue is a way for people to come back, relax as you said in the story with your dad, and say, “I’m not feeling for this today.” With the right people, they would bring you back up into the light.

GCM 210 | Change

Change: Discover your passion and interests, then learn your skill and craft to be the best version of yourself.

 

I love the fact that we have to take those moments of relaxation. We have to know when to take those moments of relaxation. We have to keep our foot on the pedal because that can cause us to lose the game. This is all a balancing act. I love the fact that you’ve experienced that because now you know what that feels like. Maybe that wasn’t the appropriate time to take that pull back on the throttle but that was a learning experience, number one. Number two, now you have a new game plan, a new idea of what to do. Maybe not on the motorcycle track because I don’t know if you want to do that again but because of that experience, it’s understanding, “No, I’m not going to pull back because I want to come into this life,” or it’s knowing when to pull back, “When I need to make that call today?”

This is all a balancing act. You don’t learn that if you’re not on the track or in the game. A coach can’t teach you that. They can tell you about it but you have to experience it for yourself because you have to apply it. That’s something you have to embody by being in the game and going through the experience to understand when and when not to apply these different modalities to yourself. It was all being in the game. That’s the beauty of being in the game because you get to learn and experienced these things and feel these stressors. That’s what makes you greater.

For me, that experience, you came in third place but you gained more than you would have gained by coming in second place. The value of that experience was worth third place. If you would have got in second place, you wouldn’t have had that particular experience and maybe that’s what you needed because that particular experience is not that you got it and maybe not on the track but it could put you in first place in other areas of your life.

It’s being in the game and understanding because the coach saw it but he’s not feeling it. He knows it but it’s different. Experience is the best teacher. I was talking to someone about overcoming challenges. I asked him a simple question, “What do you think it takes to overcome challenges?” They said, “Determination.” I say, “Yes. However, determination is going to only get you so far.” They said, “No. All you need is determination.” I said, “No.” “What do you mean by that?” I say, “You need the experience of overcoming challenges because as a result, you develop a pattern because you’ve overcome challenges so often that you learn the patterns of thought, of being or of that stress on your body.”

Here’s what I mean by that. I’m going to give you a good example. If there is a team that’s been to the Super Bowl, especially if they went in 2020 or their team that has gone before and it’s the same players that were in the Super Bowl before, whether they win or loss. If they’re planning as a team that has never been to the Super Bowl, they’re automatically the favorite no matter what because they’ve been there before. They’ve been under the challenge and the stress of that challenge before. The other team is determined but they haven’t been there before and because of it, it puts them at a disadvantage.

Because I’ve experienced the challenge more than once, I have this repetition of going through challenges under my belt. That gives me more experience, so I know what it’s like to pull off the throttle in the last turn of the race even though it’s a very uncomfortable spot that I know what can happen when I do that. I haven’t mastered how to stay on the throttle and navigate that turn at the same time but someone who’s gone through that challenge, they know how to do that, that’s how they pass you. I’m determined to get through the challenge but it’s not the determination that’s going to get me through. It’s the repetition and the experience of handling that particular challenge. Within determination, there are still learning. You can’t have determination and wheel. You have to have the skill and it is what produces the champion.

We are talking a lot about the basics and deepness of mentality. If you don’t have everything we talked about as a basis for people, it’s hard to be successful. That’s why a lot of athletes, champions, musicians, people who played at a high level, most of those people are successful in business because we learn from the sports, transition and pivot that into our personal life. You cannot be a champion in something and a loser in something else. Those two thoughts cannot fit in the same head. If you’re a champion, you will have it in everything. You might not be a champion on everything but you will still have the mentality of a champion. In the brain, those two concepts cannot fit in the same brain.

There’s a level of determination that can make you a winner but repetition is what makes you a champion. You can win games or races based on the determination. That’s why the structure is set up. You got to win so many races and get many points in order to become a champion. You don’t become a champion by winning a race. You got to accumulate the points as a plethora of things that count toward you being a champion. You being scored in different areas, not winning. The more you win, the more your point accumulates, which puts you at the top of the list is closer to becoming a champion. It isn’t that alone.

Be the first one on the racetrack every morning, even when it’s raining, and you’ll achieve what you want in life. Share on X

The point system is measuring your skillset. Your skillset is handling the challenges that are put forth on the course. To win, you have to master the challenges of the course and the game. That’s what we’re talking about here with life. Life to me is a game because there’s something you want to get out of life. The opposition is trying to stop you. Now, you have to master the game but it’s not getting it from A to B. Within this process, there are little nuances, challenges, and journeys that you go on that are stressing your leadership, thought passing, health, and relationships. They’re stressing the way you deal with anger, yourself, your self-talk, identity, and then there are shifts. When you feel like you got it, something happens and it puts pressure on a multitude of things at the same time.

You got to balance that out and then something happens. Maybe there’s a death in the family, there’s a pandemic and you are not handling this or getting good at that and that changes. Now you got to shift. This game is a very complex, sophisticated experience that you are attempting to master that requires you to develop multiple skill sets within yourself in order to get good at it. There’s this thing called society that’s painted in a picture that you need to be and you have to balance that. What people are thinking about you and the vulnerability, it’d be real because there are opportunities for you to cheat at the game.

To me, that’s how you’re being measured. In some games, you win. There are some games where it’s conducive to the skillset that you have and you find success there. It could be in a relationship. Fifteen years is great and then all of a sudden, something happens. That skillset that produces the results that you want to for fifteen, now has to shift. You got to figure that out and you got kids, got laid off, there’s a pandemic, you’re trying to reinvent yourself and figure out this skillset over here.

I want to share three points for people that now are stressed because of finance. Finance is 1 of the 3 of the top 5 challenges and also in divorce. Finance is one of the major components of our life but nobody teaches finance. We don’t have Finance Literacy. We don’t have finance in schools anymore. The government doesn’t want us to be educated financially because we could be too independent for them. They don’t want that. That’s why finance is the last thing we want to talk about. In 2020, we see what’s going on. I want to share three things with your reader to go back home, reflect a little bit, learn a new skill, call other people but get your finance together.

Number one is saving taxes. The taxes are going up year after year, decade after decade. We need to save taxes on capital gain, on your house, and on everything you can. That’s why in business, we have a schedule C or in real estate, we have a schedule E and we have expenses we can expense out. That’s why most people who are rich have businesses and/or real estate. If you have a W-2 and a salary, it’s really hard to get some expenses out and saving taxes. You can save taxes on your retirement plan, which is my second point.

GCM 210 | Change

Change: Many athletes, champions, musicians, and those who played at a high level are successful in business because they learn from the sports and pivot that into their personal lives.

 

They are different retirement plan and my favorite one is the Tax-free Retirement Account which is completely different than the 401(k) or the IRA because those are what the government is pushing people to give you a little discount on your taxes but when you retire, you will pay 6 or 7 times more money in taxes than what you got back. If you give up that tiny tax insensitive at the beginning but you get 6 or 7 times more money at the end, you’re saving a lot of money. The tax-free retirement account with the SMG, the Safe Money Growth inside of it.

A lot of people are insecure with the market, money or their retirement planning. You can have retirement planning where the market goes up, you go up. When the market goes down, you never go down anymore. That’s how rich people get richer. They are not in the stock market on mutual funds. They are playing with you guys because they know that the middle-class people don’t have the knowledge to do the options, safe money growth or another strategy in real estate that get the rich get richer and the poor get poorer. I decided to recycle myself again and go back into my old life.

I was a financial planner for many years and now I partner up. That’s why we are a CPA team-based model consultant because we consult with CPAs, attorneys, tax brokers, realtors, and real estate business brokers. Why? Because in the next years, if you don’t save as much taxes as you can, you will regret it because you didn’t learn when it was time to run. This pandemic showed us how to save money for your retirement and how to save taxes.

The number three is to maximize your bottom line. In business, you need to increase your source of revenue. Millionaires usually have 6 or 7 different sources of revenue. Don’t depend only on real estate, stock, job, or business. Diversify your source of revenue and increase those revenues. The second point is we need to decrease the expenses. There is a strategy that’s called Cost Segregation. We have a Puerto Rico Act that people can outsource outside of the United States and save money. We have the monetization of installing sales that I pulled and compiled. We have 45 different tax strategies like that, that needs to be protected because the more you increase the value of your company and the more you prepare for your retirement inside of your company, finding somebody like a key employee to take the forwarding of your company in the future, if you’re able to plan for one person inside of your company to sell that company in 3 to 5 years to that person, you can probably get 3 or 5 times more money when you retire or when you sell the company.

Let’s say only $50,000 in taxes, expenses, more revenue. You have $50,000 more and you sell your business five times your revenue, you made $250,000 by readjusting 1, 2 or 2 years on your taxes in your business. Everything is above the bottom line. The more you have in your bottom line, the more you save, the more money you will get for your business, yourself, family, vacation, or cruise trip. I was always about, “If the job is not suitable for your hobby, quit your job.” That was one of my sayings years ago. It’s all about integrating your passion, lifestyle into your job, saving that money so that you can grow, explode, and having more money and more freedom. That’s what we want for people.

How can people reach out to you if they wanted to learn more about you or that strategy?

NadineLajoie.com. If you cannot find me, Google Nadine Racing and you’ll find me everywhere.

Thank you for sharing that.

I have a free tax report that people can complete. They can know for free how many of those 45 tax strategies can apply to them. It’s for everybody.

Where can they find that?

At NadineLajoie.com. There is a free button over there. You click and you’re good to go.

Thank you for that advice. I do believe that of all that we talked about, getting those finances in order, that’s the main, first or fundamental step. Taxes and tax savings are a big part of that conversation and that strategy. We need to reach out to you. We need to find out what 45 strategies apply to us and make sure that we have that nailed down so that we have that balance, discipline, and all the things that we talked about as we play this game. That’s a major part of playing the game. Thank you for coming on the show, for sharing, and for being so open with us. Thank you for what you do. I appreciate you being here. The final question here. If there’s one thing that you would like to leave with us regarding how we bounce back from adversity, dominate our challenges, and consistently win at the game of life, what would that be?

Never give up and recycle yourself, be open to see what is in front of you instead of what is at the back of you.

There you have it, people. Another successful episode. Thank you, Nadine, for stopping by. This has been a wonderful pleasure.

Important links:

About Nadine Lajoie

GCM 210 | ChangeFeatured in Forbes, USA Today, ABC, FOX, CBS Money Watch, Nadine Lajoie spoke on many stages around the world (including TEDx and California Women’s Conference) amongst top speakers like Tom Hopkins, Les Brown, and Stedman Graham.

She is bringing 31 years of experience in the Finances Industry, with a Bachelor in Actuarial Sciences, and is now a CPA Team-Based Model Consultant, International Speaker & Mentor, Real Estate Investor, and #1 Best-Selling Author.