Episode #0028 – TPD chats with Financial Education Specialist Ashley Fox

Featured in this week’s episode of The Productive Designer host Crystal Collinson interviews financial education specialist Ashley Fox. Ashley is the owner of Empify which is a social enterprise created to change the perspective of the role of money on people’s lives. 

Ashley graduated from Howard University and worked as a Wall Street analyst. While working on Wall Street, she was inspired to teach others how they could be doing more with their money and make money while they are sleeping. She explains that it’s not always about working hard to make more, but instead, it’s about working smarter. 

Whether you’re a small business or just a middle schooler wanting to learn, Ashley has some good tips and tricks to get started right away on investing.  She has several programs to help all ages learn how their money could be doing more for them. In this episode, she will give a few tips specifically for small business owners. 

So, join Crystal and Ashley as they discuss financial tips, her programs, and different mindsets to better your life. And then, do something today that your future self will thank you for and find out more about how you could take your business to the next level.   

How to Get in Touch with Ashley:

Website : empify.com Facebook: empify 

Twitter: @Empify Instagram: empify  

financial education specialist Ashley Fox

Recommended podcasts:

How I built this podcast, Abraham Hicks podcast

[- - Here is the RAW, unedited transcript - -


Welcome everyone to another episode of the productive designer, and I have another guest with me today. I love having these conversations because I think we get to get some insight and learn some knowledge from others. I have Ashley Fox with us today, and I’m going to let Ashley tell us a little bit about herself and her business welcome Ashley.


Hi, how are you thank you for having me.


Oh it’s it’s great to have you.


All right, so I’m actually fast I’m from Philadelphia I went to Howard University graduated high school with the intent to work on Wall Street that was ultimately my goal. When I graduated I worked for a large Wall Street investment bank where my job was essentially individuals that had $25 million or more. My dad was to keep them away. So we managed money for millionaires and billionaires. So I thought that would be the ins and outs of what they do with their money on the investment how they travel, everything. They after about eight months of me being on Wall Street, I felt like I didn’t have to be like the client.


No matter how hard I work. I was never going to be in a position where I could have $25 million in revenue ever make it to figure that a young age people, you know I was making good amount of money but people that I had a lot of money and that’s when I realized that there was a disconnect between how wealthy people manage and invest and think about their money and how the everyday person just decided to leave them on Wall Street career with the intent to build a company that educated the world that wall street did not talk to them so I became a financial adviser targeting low to moderate income people, and I created a company called emphasize, and empathize the word empower and modify merged together where we create financial education tools and resources for both adults and children so in the midst of me coming up with this idea of wanting to change the world. As an entrepreneur, we don’t make money every two weeks like a job so actually ends up losing everything I’m fixing from apartment in Harlem and I had to start building my people from my parent’s couch, when they want to educate adults, then we started to put programs in the school system. So ultimately we have programs for both middle school and high school students all the colleges. We’ve been in the prison system and now we have an app where we are pretty much an ed tech startup focusing on providing financial education in the palm of your hand. So just imagine the Netflix of finance in your hand, where we get the tools and resources that you don’t learn in a school system that you may not have learned growing up, and ultimately getting people to a point where they’re learning how to build wealth, starting with what they have, understanding and growing into the person that they want to become.


That is a lot to I mean you’ve done a lot in your young life and I think it’s amazing what you’ve done I mean to, to see the as you say like the ultimate wealthy, you know segment of society which is not a lot, and to see how they’re managing their money and then to see how everyday people like us are managing our money and just to see the, I guess the, the major differences and what would you say those in a nutshell and how could you if just to simplify what would you say the major, I guess, what is it that makes people that have a lot of money, invest differently than people that don’t besides the amount of money.


The amount of money keeping matters right the thought process behind the person getting the money. So they focus on investing, they focus on generational wealth they focus on having a legacy. And I think it’s also a belief factor I think for me personally I didn’t, I’ve never seen myself at that time, having millions of dollars but when you’re around millions of dollars every day. The belief in you and the possibility around having laid it out so I really think it’s the mindset I think the everyday person when it’s I think they’re not taught you know you’re taught to go to school, get a job and then you get a job to pay for school you’re taught to always work hard for your money. Yeah, when in all actuality, we know a lot of people that work hard, but they aren’t wealthy and so I think it’s more than just working hard, it’s understanding that in order to build wealth in this country I honestly believe you either have to invest in someone else’s idea, or you have to invest in your own idea we can now work our way to wealth, we can spend our way to wealth, we cannot save our way to wealth and in order for us to create something that lives longer than what we can we can pass it down so that we’re not passing down generational poverty or generational debt. It’s about shifting the mindset from ownership to consumption and I think we all love to shop. But who is teaching us how to own how to invest and how to build wealth and make money well and speaker. And I think that was a mental shift that I think wealthy people have these things different they see different they look at value they look at ownership, a little bit more than what the everyday person actually thinks about their lives.


I could not agree with you more I totally agree on that I think it’s completely a mindset. Like I loved how you said you can’t save yourself to wealth, you can’t work yourself to Well, I mean, we only have so many hours in the day we you know we as one person can only do so much, there’s just no possible way that you can make that type of wealth, without, to your point investing in something, I think to exponentially grow your money. Definitely. So who would you say like I know you said that you’ve been you’ve got programs for the school system which I think is such a needed resource I’m in Canada, and we don’t even, you know, I’ve heard of different programs but the I guess we would need a Canadian version because we have some different tax laws and that type of thing but I think it’s so important that I think to your point, it’s getting the mindset in younger generation and getting out of that cycle of the, you know, work hard, make enough just to pay your bills and it’s just, you know, that’s what you’re living, and that’s what you’re learning and that’s what your mindsets programming I guess is really what it is. So who are you working with I mean it sounds like you’re working with a lot but if you can sort of dissect that a little bit.


Divide and define the entity, the first the first half will be we’re focused on children so we start at eight probably eight to eight but within the school system that we start around the sixth grade where we go from middle school on up. The other half of number five we focus on adults. And so I I’ve had clients when I was a previously a financial advisor I have clients who make millions of dollars, but still didn’t know what to do with their money also have clients who are making $30,000 a year. So I would say my focus is targeting the people who aspire to build wealth and just don’t know how or where to do it. So that can be individually because there’s a lot of athletes and celebrities that make millions of dollars, and they don’t know what to do with their money so it’s about financially, educating people who want to be financially educated, who’ve gotten to a point where they’ve tried they’ve made mistakes. They’ve taken classes and exhausted all options and they don’t know where to turn. And so we focus on the people who want to help work focusing on those working professionals, entrepreneurs, know that they deserve more they want to have more they’re just not 100% sure of how to get there.


Yeah I yeah I feel, I feel that myself sometimes because I think you talk about the athletes that are making tons of money and if they’re if they’re misguided and don’t manage their money well, they can lose that quickly, or we’ll go for them whatever but it’s just a different amount right it’s still the same process of taking what it is that you have to invest, and then doing something, you know, investing it properly. So, as our listeners are pretty much solopreneurs and small business owners, what’s your advice on someone that is, you know, new to investing, or maybe doesn’t have obviously doesn’t have millions of dollars to invest but what are some of the initial baby steps that that we can do.


I would definitely the easiest way to start when it comes to investing is to invest in what you know us and believe it, because when you think about in particular for thought my own stock right if you’re starting a company you own a piece of the business and don’t actually well you don’t have to build a business but you’re owning a piece of business. And a lot of these multimillion dollar billion dollar businesses that we know us and our loyal customers to on a daily basis, have made their billions, because of our consumption. And so the easiest way to start and I always recommend people do this is literally make a list of where you spend your time and your money so literally when you wake up so for example, when I woke up, I went to my cell phone I have an apple iPhone, I have arrived at my provider. I checked my email which is Google I went on social media which was Instagram and Facebook and that’s owned by Facebook. I woke up and took a shower I used. So, that Unilever right. I came in I use my computer, I got my computer for Best Buy like. So, when you really start to think about where your money’s going where your time is going what TV shows are you watching what foods are you eating. What do you do for fun, who’s getting your time right and all of these companies, they’re making money off of you so when you make a list, start to ask yourself if I could just choose the top five companies that I know using believe in. Who would I actually want to go into business with right, we all love to get packages from Amazon not realizing that Amazon is literally changing the world right Apple is a $2 trillion business right so really understanding that some of these large reputable companies, they’re less than $200 for you to invest. Right. So understanding that if you just start with companies you know because it’s a lot easier to research a company, and you actually know what they do, right, it is easier to invest in a company when you know that you’re loyal to the brand when you’re giving them your money. It’s one thing to give your money and spend money with these companies by doing that you’re decreasing your network, when you actually take time and invest in a company now put yourself in a position to increase your net worth, versus decreasing it by spending and so I definitely would say start to make a list of who you’re giving your money to and your time and your energy too, because chances are there’s a high probability that their multimillion dollar billion dollar business, and they’ve been that way for years. Therefore, without shoes, they wouldn’t be able to exist so why not go into business with them and own stock in this company,


right. So would you suggest, if somebody only has, let’s say, I only want to pull out a number of mail but is it better to invest more in one or two, say, when we’re talking about companies that guess we’re talking about buying stocks to them. Would it be better to invest one or two or do you say, you know, take whatever your amount is and divided by investing in five?


It really depends. Right, so I definitely understand that the first thing you have to do is before you make any money you pay yourself. I think we have this thought process around when I make money I have to pay bills well in all actuality, you are the one that worked 40 plus hours a week to make this money when we give our money away to everyone else we have nothing at the end of the month, and we feel empty inside. So first we have to make ourselves a higher priority so whatever that amount is I don’t care if it’s $50 if it’s $10, you have to develop the habit of a wealth building, because building wealth isn’t just about the dollar No, actually it has nothing to do with the data, it has to do with the habit behind the person who’s building wealth because if you add to $10 your way every week to a million dollars. You can ultimately get there but I can guarantee you won’t. Don’t do that right so understanding that starting small matters, one of these also finds too is the more options you have the harder it is to make a decision. So I always say to pick the top five. Now it is possible you can say, I want to invest in these five businesses, and I’m going to divide it into pieces. And that’s how you do it right, me personally when it comes to buying stock, I have to share goals. So for me, one of my biggest goals is to own 20 shares of every company that I own right. So if I only have $100 right now one of my favorite companies that I like to invest in is AT&T. AT&T is like $30 a share. So if I have $100 if I know my goal is to make sure I get to 20 shares before the end of the year. I’m going to focus and put that 100, until I hit that goal of for AT&T to hit the 20 here. So I personally do that, but you can also say I’m going to focus just on Apple stock today I’m just going to focus on chip only stocks today, or this month. And so, focusing on what companies you think no use and believe in, because the more you put into the company, and the more the company grows the higher your return can get so you can divide it, or you can say, I’m going to focus on this company, because I truly believe in this company the direction that this company is going, you can go that direction as well.


Okay, that’s I mean that’s good because I think that can be overwhelming to is to figure out, you know, with the limited amount I have is you say $100 where what’s the best way to use it, how would somebody I guess research, other than, you know, to your point of no use and believe in what would be another way to confirm a company’s financial stability speaking from a person who’s pretty, pretty much a layman as far as reading you know financial reports, what would be a best way is there is there a website’s is there like what’s a very simple simplified version, I’d say a couple


things you can do the first thing you need to do is go to Wikipedia. Okay. Wikipedia you research the company; you’ll then know what the company is because a lot of the companies we use are not the main parent company right for example we can use Instagram but Instagram is actually the child. Facebook is the parent company right we can eat Doritos. But Pepsi is the parent company so you’ll be investing in Pepsi, so I go on Wikipedia, you can see the structure of their business. You can see who owns the business and on the right side of the screen you can see how much revenue, the company generates. Well, right. Okay. Another thing you can do is then look at the stock chart, you can simply go to Google type in the company’s name and then if it is a publicly traded company, there’s a nine out of 10 chance that it’ll pop up right on Google and click the five year mark and look at the trend of the stuff, right, as a company, you will this think about this being entrepreneur, you’re not, you don’t just shoot up real fast and then shoot like you want to slowly walk the company steadily grow like if you invested in Amazon, years ago, Amazon has just started taking off right yeah that’s usually the trajectory of a company so you want to see steady growth, you don’t want to see it go up and go down and go up and go down because that’s about to stop, especially just starting out you want stress in the company you want stability. You want companies to be profitable consistently, so you can look at the stock chart and just look at what the line at the five year does because it’ll give you a clear depiction of how the company has been performing over the past five years. That’s another good indicator. I definitely would recommend going to the company’s Investor Relations page so you can go to the company’s main website but that’s typically where the consumer of their products or services will go but if you go to the investor relations so you would just type in a company name Investor Relations. That is the website where you’ll see everything about the company that is for investors. So you’ll see the numbers of the company you want to make sure that company is profitable. You want to make sure that company is growing, you want to see if the company pays a dividend. If a company pays a dividend dividends are essentially the company’s take their profit, and they give a certain amount of money to all their shareholders. So for example ATC for every share of AT&T you only get $2.08. You can put the ATC $30 you put $30 in your bank account in your savings account, you’re getting 30,000 AT&T goes into 2008 cents every year for every share you vote. So if you want to share, they’re going to give you $4.16, and it continues on so you can start to create cash flow by investing in dividend paying companies, but a company that pays a dividend is actually a good sign because remember that dividends is money that’s given to shareholders. After the company is profitable company like AT&T have the same dividends for years, which means that they’re consistently profitable. So you want to make sure the company’s making money. You want to know the products and services that they’re that they’re using, and most importantly understand the vision of the company. You want to make sure you believe that that company is going, and that their goals and their numbers are aligned with that. Again, this look at like owning a company, what would you want to know about a company if your friend to ask you to invest the company. You want to make sure you trust the team. Make sure you believe in where they’re going and that they’re profitable knowledge these things you can definitely find on the investor relations page.


Oh that’s great that’s great information I would never thought of Wikipedia. And I think I, you know, again the dividends is amazing to just, it’s such a great way to if you’re if you’re thinking of, like, say you make your top five but you’re like okay I’m going to just do three, you know, to look at those so those are great points I think that’s, I mean, I’m learning stuff right now this is amazing. So do you offer is it programs are you working one on one with people how what’s sort of the setup of Empify.


So when it comes to adults in particular. So, my biggest. My biggest biggest biggest recommendation is my Wealth Builders community, so you can literally go to Wealth Builders community, calm and there’s tons of tools or resources because we have individuals who are able to attend our weekly classes live there’s some people who can’t so they’re able to watch the replay so within our app, we have tons of dynamic discussion, we have tons of classes, we have tons of tools, resources and guides that are literally housed in our app for all of our members. But what’s most important about our community is you’re not just learning financial education, you’re on a journey through financial education with individuals just like you literally over 800 people in our community, that you just talk to every single bit of imagine like a social media platform that you’d use like in the palm of your hand, still learn but also interact with people who are investing in dividend stocks individuals who are learning what accounts to open individuals who are saving and investing for their kids, because sometimes it’s really hard to have those photos and conversations with your friends and family if they’re not on the same wavelength.


Oh, for sure. Yeah,


so having that resource at all the individual have like an annual membership we have a private beginner method room where we do weekly group coaching we have discussions, and it’s more it’s more intimate because it’s over 800 people and we’re growing really fast, our app is only been out for the past two months, we started to create separate routes, so that when you’re just joining you’re trying to find out what brokerage accounts to open you’re trying to find out Hey, what is the stock and that’s what that room is for our big our big namespace where you have all the conversations. The news about everything. We also offer different guides so we just released the guide, literally last week of the top stuff to consider during the election, during a time where everyone is focused on the election, right are people that are going to monetize and make money as to who potentially gets elected to make money, no matter who gets elected is really starting to think, Wow, the world is so emotional. We’re going through a pandemic, like, still think about how we can build wealth, how can we still be solution oriented, no matter who’s in office right so we have different guides and resources. I personally do do coaching, I only take a couple of clients per month and because I’m really focused on building education I want to literally build a financial education institute that both brick and mortar and online that we can reach maximum massive amount when I see a lot of individuals from Canada from Canada to Caribbean Africa, Europe and people from all over the world, but everyone I think the commonality is just ready to get financially educated, they want to change, and we help them start with what they have, right where they are,


which is amazing because it really is a daunting for somebody who isn’t in that and as small business owners we’ve you know we kind of know the basics of what we need to know to run our business but investment is not in part of our wheelhouse. So, you know, to be able to go into, you know, a safe space so to speak and ask, what would be considered, you know, quote unquote, a dumb question which I know they’re not dumb questions but you know as a, as a new investor you’d be like okay so what does that mean and what do I do with that and, whereas I think so many, even when you meet with your financial advisor it’s like a lot of times the talk is completely going over your head because you’re like I don’t even really I don’t even understand the fundamentals of investing so to be able to start and learn. Like any new skill right at the beginning, understand the language. Understand, just the nuances because a lot of it is about language, a lot of it is about just we’re sometimes afraid to ask those questions because you don’t want to appear, dumb, because you don’t know the answer to that stuff. So you’re working with people from obviously you just said that different countries so that’s great because I always worried about you know we have different tax laws and, but I think to what you’re speaking to is the fundamentals and understanding about investing and. So you mentioned the panda back how, what have you seen that has really shifted besides the obvious Amazons and Netflix stocks going crazy. What have you seen from your perspective, from that that the financial perspective has changed immensely because of the pandemic.


Well I think there’s, there’s two sides to the pandemic you have the people who have suffered drastically. Yeah, there’s millions of people who have lost their jobs, however, that the wealth gap has gotten wider yeah people are making millions of dollars like my portfolio is up over 100%, but the reason it is because when I saw everyone panic when I saw these companies in the world did not notice I’m talking like around March 23 early April, no one knew what was happening with the market. Yeah, suddenly, people were afraid and so in my mind while all these companies are drafting and all actuality you know everyone’s miserable in my mind, no matter what happened to defend them it’s still going to be around, who’s still going to make money right so it’s kind of like, are we going to cut off our cell phones because we’re on the house, we actually probably use it more. Are we going to stop buying online well actually I thought we ended up watching TV so under active pandemic was involved and then more news coming out is actually looking at it from an office perspective my deepest oh my god the world is falling apart I’m scared. Honestly first turning off the news because that is literally conditioning within itself right oh yeah for sure.


I think focusing on who’s winning right now, just like think about airlines. Airlines was a huge hit. Because of the pandemic cars, we never about the fly anymore at one day This will soon be over airlines are going to bounce back so in my mind, I want to invest in the number one airline I want to invest in a company that’s number one in their safety, even if they took a hit, either hit, even if they’re even if they’re winning, but you’ve got to look like look at it when everyone is panicking, that’s when you look for opportunities, right away the stock market is the only time, everything goes on sale and everyone gets scared when you walk into a store you see a sale, you’re ready to buy you walk into a store you see bread, you want to go Bible reading the stock market. We just think the whole world is falling apart when in all actuality, that’s when you should go look for opportunity. And if you really sit and think, oh you know grocery stores selling toilet paper companies, food and beverages. There are a lot of companies that are winning right now yeah but the news is the news is telling you the cases are on the news is telling you. Oh, it’s all bad news. Right, yeah. There’s always another side but that news is what drives revenue for the media, and the more the more you’re consuming the more these, these companies are making money you’ll never always see good stuff on the news, because nobody cares about it, you can


no it’s not exciting. Right. People don’t turn into hear about Oh little Suzy celebrated her eighth birthday, you know they want to know. Absolutely.


You have to think that but you have to think okay everyone’s panicking, but the whole world is about to fall apart all the companies that have to go out of business. I still want to build wealth I still want to put my children through college, I still don’t want to have to work every day in my life I still don’t want to have to run my business all day every day like I do like, at some point, we want to live the life that we dream of and we definitely deserve to do that, but in order to live that life, and focus on your life being greater later you have to start today.


Yeah, and I think and your point is you know, I know this is a cliché term but it’s making your money work for you so whatever it is that you’re making, put that to work, so that you know you can increase your wealth through investing as opposed to just, well I’ll just work harder and I’ll work longer now like that’s that’s a way to the, you know, to burnout for sure so. So, I guess two to three pieces of financial advice for small business owners, if you could just sum up two to three pieces.


First one, I would say, if you met. Right. As a business owner, especially if you have a team, you’re focusing on making sure bills are paid and making sure your team is taking care of you, making sure you’re generating revenue and satisfy your customer, and sometimes you lose sight of yours. So you have to be your shoulders, you have to be your best so you have to take care of yourself I always say pay yourself first. The moment you make money, make sure you’re setting money aside and in all honesty to be a very very very very very very low to pay myself. Even when I have money in the back into my business. But again, psychologically you’re telling the world I don’t matter. Right, yeah versus you taking care of yourself now you’re telling the world I matter. I love myself and I’m going to take care of myself so in paying yourself can mean setting money aside for that vacation. That means setting money aside for investments setting money aside for the house you would have I say money aside for the new clothes you want to go either way. Treat yourself and make yourself just as much of a priority as you do your business. The other thing that I would say when it when it comes to being a business owner, and your money. I would say you have a big vision for your business. You wouldn’t be an entrepreneur if you don’t, you’d have to have a big vision for yourself. So what does life look like for you five years from now. And when you do that, you got to dream of that, you have to meditate on that you have to constantly surround yourself around that because you don’t attract what you want you attract who you are, your money grows when you grow. So as you grow as a person and your level of belief gets stronger, you’ll start to see the things you’ve been dreaming that the problem is gone What things we don’t believe you deserve right now so you can leave that you deserve to make a million dollars that you actually start to make a million dollars because we can say you want something, but the identity behind what we want doesn’t exist. We’re never going to obtain it. So start to think big, start to write yourself that complete on your mirror start to put on wealthy around the house, start to read those books that mentally obsessing you because it’s not that we don’t have the ability to make money. It’s we have an identity, issue around money. We don’t feel like we deserve to have money we’re not accustomed to having money so you have to set yourself aside, it takes time for you to just strengthen your mindset around money because when you really start to believe and you start to put yourself in those big rooms, and you start to put yourself in spaces and in reading the things that frighten you. That’s how you know there’s work to be done but the more you immerse yourself in the lifestyle of money. Immerse yourself in the language of money, you’ll start to become fluent in having money and I think that’s the most important,


it’s like, tapping into your, you know in bed, training, and tapping into reprogramming your subconscious so that you actually firmly honestly believe it right because if, to your point, if you can say all the positive things but if you if you deep down don’t feel that your worth it right, it’s not going to happen. That’s amazing, I think, so how If so, you if somebody wants to look into your programs, what is the best way to find your programs. So I know you mentioned wealth builders.com,


you can go to amplify.com and through that you’ll see all our shirt with a little bit of community development community is a strictly for the app you’ll see everything about the community, you can still browse the website from that site, yet literally from start to finish, tells you who we are, what we do and why this app exists, but definitely and then also welcome to community on Instagram, and I am underscore active it’s not for Instagram.


Okay, we’ll put this all in the show notes as well. So at the end of every episode I’d like to ask my guests three questions and it’s I call it my interior Inquisition and this can be about investing it can be just about life. So, what is the one thing you think every person should experience in their lives.


Well I would say freedom. And I think it’s not freedom financially it’s freedom from this book. I think we get to a point where we can’t turn our brains off. We can’t turn that other voice off and I think when you have the level of peace to hear the voice, but not listen to the voice. I think it’s a special space to be in and sometimes you have to be really quiet to get there sometimes it’s really challenging to be there like literally for the entire day. Yeah, you can turn that voice off and you can have that inner peace. I think that’s the most amazing feeling in the world because now you’re not judging the guy you’re not afraid of you now you are you in that moment, and you’re free of the thoughts that you have I think it’s even if you can get that for two seconds and can recognize it. It’s a blessing because if you can do it for two seconds you can do it for the rest of us.


That’s great. I love that that’s I’ve never had anyone say that and I think that’s very it’s very true, like it’s Yeah, to calm the mind is a challenging thing, what’s the wisest thing you’ve ever heard someone say


that I remember a time where when I’m building my business, I didn’t have a lot of money but I had this big vision because of what I saw when I got it. And I remember I was featured on Jim Cramer the street, literally that right after I quit my job I was going through my eviction process like how can I teach the world about money. When I don’t even have it right, but I’m starting to get publicity and that wasn’t really what I signed up for. And I remember talking to my mentor and he said it’s not fair for you to hide who you are from the world. And that has always stuck with me because if this is who you are and the value that you bring. It’s not fair for you to hide behind a curtain when your worth being seen. your worth being heard and it’s like, so for me, who wants to change well who wants to make an impact. Who wants to be a service that people look good if I don’t even feel good enough to be seen. And I think for all of us. We all have a story. We all have a narrative we all have goals dreams that can inspire and grow someone else, and it’s not fair to the world for you to hide who you are because you don’t think you’re good enough. And I think we also get to a point where it’s just like hey world, lot of money, because I want to make a movie right hey God use me for what I am and allow me to walk in my true path, because I am grateful for who I am and I’m becoming stronger and everything that’s coming our way.


That’s amazing. That’s great, but I guess it’s just being authentic right and it really boils down to just be who you are and, and that can in especially in the interior design world, I’ve had many conversations with, you know, sort of designers that have started and we all kind of come in thinking okay I have to dress this way I have to speak this way. I have to like, come in like and then, you know, your kind of go. Wait a minute. That’s not me, I got to be who I am, and my people will connect with me, because of you know who I really am as opposed to I’m pretending to be so what are three podcasts that you are currently listening to and I’m sure you have more than three but if you can narrow it down.


I’m very I’m very conscious of what I put into my brain so I love that How I Built This podcast. Yeah, this is an entrepreneur. I love and my podcast. I think he’s a phenomenal, phenomenal business owner, but he has some nominal people on his podcast. And I’m also like an Abraham Hicks junkie listening for videos which are clips of all the talks away It’s like an obsession with her on YouTube. Yeah, we’re able to listen to a podcast. I definitely been like an Abrahamic junkie every single morning.


Oh yeah. Well that’s part of changing the mindset right trying to sort of get into that, you know, believing in it and getting deep down into, you know, changing your mindset so that’s great. Well thank you so much Ashley this has been a really, I mean educational for me and I think what you are doing and offering is is so so so so needed, and in both I look at it with having you know kids that are in their early teens, I think, oh my god I’ve got to educate them now so to be able to speak to, you know, having it in the school system is amazing. And then, you know, it’s never too late for us adults to pick up and learn some financial literacy so I think what you’re doing is amazing. You should be really proud of what you’ve accomplished and what you’re, you’re going to build. Yeah, this has been great. So thank you again and we have all your contact stuff we’ll put that in the show notes, and that would be it for now. So thanks so much.

Well that was a great chat with Ashley I really appreciate her taking the time today and I think there was some great takeaways her program sounds amazing especially when you can. It’s something that we can get our kids to learn about early on, and just get them educated from a younger age as to what it means to you know be profitable and have profit and pay ourselves first and all those types of, you know, even just setting the small goals and starting small is a habit that I think is going to be, you know, going to benefit them for years and years to come for sure.

I loved Ashley’s tip on how to find out about a company and find the parent company by going to Wikipedia and never would have thought that what a great, great tip I’d say, you know, something I’m definitely going to take away from today’s talk and looking just at the trend, I guess, and looking for a company that pays dividends, again, you know not super knowledgeable myself in the in the stocks and finances, but I think if we just, you know, use her, her advice is something that we know we use and believe in, then you know that’s a great, great place to start as opposed to trying to, you know, research, or get tips and ideas from other friends that say that you know this is going to be a great stock so hopefully that this is some ideas or at least gets your minds, you know your wheels turning on ways of maybe looking to make your money, do more for you than it is doing right now.

So, I hope everyone enjoyed this episode and again, I appreciate you listening, and if there’s somebody you think that would benefit from this episode or any of the other episodes please share it, as it helps to get the word out and share the content and hopefully continue to do more episodes and if there’s anything that you guys are looking to hear more about or topics that I haven’t covered that you’d like covered, please reach out, you can send me a message at contact@theproductivedesigner.com, or you can DMs, @theproductivedesignerpodcast on Instagram or on Facebook. Thanks again, and remember to, “Do something today that your future self will thank you for”, have a great day.

We hope you enjoyed this episode of the Productive Designer, please like and subscribe so you never miss an episode. For more information, please visit theproductivedesigner.com  , or find us on Facebook  and Instagram  at The Productive Designer and Pinterest Crystal Collinson Interiors. Join crystal again next time for more motivation, tangible tips, and support for your interior design business. Thanks for listening.

Published by theproductivedesigner

Crystal is the principal of Crystal Collinson Interiors, a full-service design firm specializing in the Design and Decorating of Model Homes, Sales Presentation Centre’s, Condominium amenity spaces and small commercial projects. Crystal & her team work with many of the GTA’s largest home builders.

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