TRANSCRIPT
Investor Mindset| Why Playing It Safe Is the Riskiest Move
Can I go into the future and look at my children and say, oh my god, I kept you as healthy and as safe that I knew how, with a clean conscience, you know?
I did my research, I did my due diligence, way beyond how many pixels the newest phone had and the newest this had.
You know, I also went deep diving into the basics of basics.
We are made of water, and what is the best water out there?
And we made it happen.
Yes, with sacrifices, perhaps, with the adjustments along the way, but we made it happen because I can proudly say, hey, I looked after you, and I looked after the planet, and I was also looking after myself, because I became more fulfilled along the way.
I felt that we had freedom along the way.
We had more presence.
I wasn't missing important milestones.
It was like the ultimate package.
Like, that is the energy that I want to come at it when it comes to this investment.
We are moms, we are bosses, and we're living abroad.
And in this brand new season of this exciting podcast, we are boosting the woman-to-woman connection through deep, intimate conversations to pause, reflect, and go beyond the skin deep.
And we are here to celebrate your unique journey.
No matter how old your business or your babies or where you are in the world, you are not alone.
It's time to go deeper, understand better, and lean into more harmony and fun along the way.
We are Desiree and Iva, and this is Mom Bosses Abroad.
Hi and welcome to a new episode of the Mom Bosses Abroad podcast.
I am Iva Perez and I am here today, as always, being accompanied by this amazing podcast co-host, Desiree Gonzalez.
Hi Des.
Hi Iva.
And today I want to get started with, you know, this very common question or thought that sometimes runs through our heads whenever we are presented with an opportunity that seems to go into the direction of what we ultimately want as mom bosses living abroad, which is, you know, to create more wealth for ourselves, to feel that we can be more present, to not miss those important milestones, but also doing something that lights us up and that is creating an impact and that we are getting financially rewarded for it.
So how many times have you told yourself, perhaps, I just don't have the money right now, like this seems like such a great thing or proposal, but I just don't have the money.
And however, we sometimes forget that if someone in your family had a medical emergency, God forbid, would you figure it out?
Or if, you know, an equipment of yours, let's say your phone, your computer, or something suddenly stopped working today, wouldn't you find a way to replace it?
And so here is the truth.
It's not about the money most of the time.
Sometimes it's more about priorities.
And right now, in this day and age, where even federal jobs in one of the greatest, most powerful countries on earth are no longer even secure, and we have AI shaking up entire industries, the bottom line is that playing it safe might actually be the riskiest move you can make.
So in today's episode, we're going to dive deep into the difference between spending and investing with wealth creation as the end goal.
So if you've been telling yourself, I just don't have the money, stick around, because by the end of this episode, you might just see that you cannot afford not to invest.
Yes, it's really one of those things that it's almost a whole mindset shift that you have to make, right?
There is a fear that is out there, a fear that people have, and we often speak to this, that it is part of the journey.
It's a natural course just before you make this investment into a new business, that this fear creeps up.
But that is exactly the time where you need to challenge your own mindset and there is so many mindsets out there.
We've got the consumer mindset, right?
That is about spending money and expecting immediate gratification.
For example, you go and buy your phone, right?
An iPhone, or you buy a vacation, you pay and plan this amazing trip, you take your family there, or you buy a car, right?
Because you pay and immediately you have something in your hands.
And I swear, I have to always think back of the time that I actually, like I've had my old iPhone for years and years and years, very, that people already like kind of smile at me as a, gosh, that's really, really old.
Like my camera didn't even go properly anymore.
I've been called a vintage owner, you know, sometimes when I go into the store and they say, oh, well, this is vintage, but it's soon going to be just like old.
And I'm like, okay.
Correct.
So I was like, okay, Des, you kind of run your business from your phone.
You deserve a new phone.
So this year, as the new iPhone 16 came out, I was like, that's it.
I'm buying myself a new phone.
And I did, and I went to the Apple store here in Tokyo.
And seriously, there was like so many people just standing there and buying iPhones like it was candy in a candy store.
And I'm sure a lot of people that go into that store don't think twice about making that purchase of literally paying like $1,000 for a phone.
And it's because it's something they need every day.
It's something they work with, and they just feel like I need a phone.
They don't even think about it anymore.
It's just become part of that lifestyle.
And they also probably replace it.
Some people replace it every year, exchange it somehow.
Some people do it every two or three years.
But every couple of years, you pay this $1,000 or it'll go up $1,200, $1,300, whatever the price will be in the future.
And they don't think twice about it.
And we need to shift a little bit that mindset as well, of like, wait a second, I also drink water every day, you know?
Like something like that, even like, I drink water every day.
Why don't I invest in something like that?
Yes, I use my phone every day, but the water is actually just equally important because it's fueling the only temple I have, which is our body and which is our health and which just affects everything.
So that was, that's just always really puzzling to me, that consumer mindset.
Then we of course have that investor mindset, where we view money more as a tool to create more wealth.
For example, real estate.
People often invest in stocks, right?
Or then they see business opportunities.
And why do you do that?
Because if people actually, with this investor mindset, they realize that we've got to make a change.
We want to have a change in our life.
We've got to make a change.
We have to back ourselves somewhere.
And what is something that can actually be a really, really smart way of invest, like of like using our money to invest in something that's going to give us a return for the greater good.
And it's also, as you say, when it comes to that comparison between the consumer mindset and the investor mindset, it also has to do a lot with delayed gratification.
You know, when you even go into those high interest yielding rate accounts, I don't know what you call them financially, but I know that they exist.
And you're sort of locking up your money.
Like you make a contract with the bank and you say, okay, I promise not to withdraw and not to touch my money until this amount of time has passed because the interest rate that you're promising is going to be higher than the normal one that I keep in a checking account.
You are delaying gratification for a higher return down the line.
So you are willing to make some sort of adjustments or sacrifices, if you will, so that you don't have to rely on that money.
You're just waiting for it to accrue and to multiply.
And that's also the logic behind investing in real estate or stocks or this and that, is that you are not going to be withdrawing that amount that is possibly there tomorrow.
You're expecting for it to yield a return down the line.
It could be a couple of months on the short end of the spectrum.
It could be a few years until you retire if you're looking at the long game.
So I totally agree with you that the way that we approach certain purchases and acquisitions.
Let me use the word acquisition because I think using a purchase is already more like a consumer mindset.
But when you're acquiring something, it's important to come at it from, you know, is this something that I am spending on happily for immediate gratification?
And knowing that in one, two days, the effect is going to be gone.
Like we have all felt it, the anticipation of going on that holiday vacation, or even in your case, right?
Des, when you went to the store and you had the whole adrenaline pumping into your brain until the moment that they gave you the box and you're like, okay, it's mine.
I can take it out and use it.
And, you know, start having this as part of my day-to-day operations.
The adrenaline and the dopamine is there, but it lasts very little.
Like it wears off.
Even on holiday, you arrive and you're like, oh my God, amazing.
Look at the welcome drink and the pool and the view and whatever.
But then by the next day, third day, you've already gotten used to it.
So the effect wears off.
Whereas when you are coming at it from this investor mindset, you are effectively saying, I am not going to see results immediately, and I am okay with that.
I am willing to wait.
But also going back to your example, the people that you were seeing in the store, just without even thinking like, okay, I'm doing an upgrade, I'm buying the new model, it has the bigger camera, the more memory storage, whatever it is, more pixels, whatever the characteristics are.
How come we don't put that same level of thought into the water that we drink?
Because it's the same thing.
It's like you also have to come to a place if you are interested in your health, if you are interested in the health of your children, if you are in the toxic-free lifestyle train, because you believe that, unfortunately, the way the world works and society has been created thus far is that companies cut corners.
They do.
Don't care about what they put in the products that you use.
In fact, we all know, it's like a tacit understanding that the battery on the newest phone will wear off in a couple of years because they want you to buy the newest model down the line.
Like it's not even made to last.
So how come we are not doing the same due diligence when it comes to what we are actually drinking?
And drinking in terms of hydration, because water is the only liquid on earth that actually hydrates us.
Oh, yes, I'm always looking at how I can support and upgrade my toxic free lifestyle.
And lately, I was thinking that until now, I failed to look at the most basic necessity we rely on every day, the water we drink.
Water is our most valuable natural resource, and it's vital to nourish and hydrate our body that is made of 70% water.
But whilst a water may appear the same, not all water is created equal.
So finally, I have found one machine that can filter and restructure regular tap water into five types with over 60 uses.
From electrolyzed reduced water, rich in hydrogen and anti-oxidants for drinking, to highly alkalized and oxidized waters, replacing toxic cleaners and personal products in your home.
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Exactly, exactly.
It's like we are made of 70% water.
Water should actually be the main focus when someone really says, oh, I'm very health focused.
I'm very, very conscious of what I put in my body.
Okay, what water are you drinking?
Yeah.
That's really the question because we are our organs, our brain, it's mainly made out of water.
So I have really gone through that journey of like, oh my God, my mind was blown.
Like, why didn't I think of this earlier?
So I feels just so good that our focus has shifted, and our mindset has shifted because this is, I know we're impacting from the core now, right?
From the foundation of health.
And so we can really reframe the purchase of this water ionizer or the shower filter, or all of that, because it's not just a product, right?
Once you make that investment, you get the products perfect.
You're already doing that for your health, right?
You are getting it.
But at the same time, this is a vehicle for financial freedom, not just to help your home, but financial freedom.
It is so much more, it's a business opportunity, but it's also the key that unlocks your ability to make an impact on two things, on health and wealth, generational wealth for someone, which is why the purchase of these products, I think, is just, it gets to be such an abundant move in your life and business, both together.
I agree.
And I think this is the perfect moment to introduce a whole other set of mindsets that come into play, because you have just pretty much summed it up that the way that we look at acquisitions in our lives through what we acquire on a day-to-day basis or on big-ticket items has a lot to do with from which viewpoint are we coming from, right?
Is it the consumer mindset, instant gratification, it's going to wear off quickly, and then we're done with it pretty much?
Or the investor mindset, where we know that it's delayed gratification, it requires a little bit more adjustments or sacrifices along the way, but the return is so, so, so worth it.
And so, by the same token, when you are considering pretty much the Rolls Royce of water ionizers out there, sometimes that thought pops up, right?
Oh my God, it costs so much.
I don't think I have that type of money.
Without noticing that, first of all, can you put a price tag on your health?
Can you put a price tag on your children's health?
No.
And if you did, and you can't, right?
It's priceless.
But if you did, how many zeros would there be in your amount?
And then you notice the investment that you're doing and you say, well, that is considerably less.
Like it's almost, so let's talk about something else here.
Because if you really want to go into numbers, here's a very, very easy exercise that you can do.
You buy an iPhone, let's put it that way, right?
You know that the battery is meant to not last.
It is done on purpose.
We all know this.
Let's just call the elephant in the room, the elephant in the room.
It is meant to wear off or to die out or whatever it is that batteries do, so that you can buy a new model every two years or every year, if you're really on the trend of, I want to be, you know, keeping up with the Joneses.
And you're okay with that.
How about investing in a product that has over 25 years of life expectancy?
And over the course of that 25 years plus, you are literally looking at almost like a dollar per day?
55 cents.
55 cents, okay.
Less than a dollar.
Yeah, 55 cents.
And we said that, you know what, we have to, again, such a mindset shift.
It's 55 cents a day.
And if I go around the corner, I live in Tokyo, there's vending machines everywhere.
If I go around the corner and buy a 500 milliliter plastic bottle of dead water, it already costs more.
And it just fills me, it doesn't really hydrate me, but it just fills me, but not my children, not my husband, and I need more than 500 milliliters a day, right?
So we're going to spend that money anyways.
Yes, yes.
You're drinking something that is questionable liquid inside because of all the microplastics that you're also ingesting in it and so forth and so forth.
Versus, as you say, investing in a machine that it is manufactured to last 25 plus years.
And you have everything on tap, and not just the drinking water.
It just has so many uses.
So absolutely all that considered.
And you know what?
My husband, interestingly, he said the other night at dinner, it's like, yeah, Des, but when you make calculations like that, you got to factor in like also the filter because you got to change the filter every day.
It's like, yeah.
But by using that machine, I no longer use hair conditioner and I no longer use facial toner because I've replaced it with the beauty water.
That cost that I'm saving, that is the price of my filter cost that I wouldn't, would have spent that money per year.
So that's already then including the filter.
Or the cleaning supplies or the detergent.
Yeah.
Oh gosh.
So we're saving money.
There we go.
You're literally saving on so many other products that end up not being the safest for you, for your family.
And also that keep on creating this loop of harming the environment.
So we're also going into the aspect of this legacy that we're leaving behind.
You know, can I look at my children in a few decades and they come to me and they say, well, what have you done to make a difference?
What have you done to improve this earth a little bit from how you found it or what the collective general direction is?
And then you can proudly say, well, I invested in this machine precisely so that I don't have to be creating more plastic pollution along the way so that there's no more toxic chemicals going down the drain, polluting rivers and the marine life and whatnot.
But also, what about this other aspect, right?
That legacy creation of wealth down the line by investing in a vehicle that is creating leveraged income and that is going to have the potential if you so desire to create additional sources of income streams so that you can feel that you have the freedom or not feel that you have the freedom but that you can actually tap into that freedom of saying today I feel like going to the beach with my kids and I can do so on a whim.
Or I don't have to spend all this money on daycare anymore and keep my children at home.
I mean, let's talk about daycare costs all over the world.
You're looking at between at the bottom of the range, but you have to live in places that are really, really affordable.
You know, Southeast Asia, like emerging countries where you could be looking at about 8,000 to 10,000 US all the way up to 20,000 or more per year per child.
And if you have more than one child, you have to multiply that.
And so, you know, this is the investor mindset.
But also what you said at the beginning as well, this fear-based decision-making.
It's going to cost me a lot in the short term.
It looks like a sizable chunk of money, and it is.
But also by the same token, you can come at it from a different mindset, a different energetic mindset of abundance and wealth creation and endless possibilities.
And what is possible for me?
Because if you are listening, and you are identifying with this profile of feeling that you are here meant to do more, here to create more impact, here to be the best mom that you can be, and also to be the best version that you can in all of its different facets, not only in motherhood, but in being proud about leaving something that has your name behind it, right?
Something that is not just being called a mom and a spouse, but something that has your name on it, then this is the space that we like to play in, and this is the space that we're coming in from.
And we understand fear, and we also know that on the other side of fear is limitless possibilities.
It's the, you know, it's what you really want out of it all, which is to have your cake and eat it too.
So this is not just tapping into the, okay, the woo-woo possibilities, infinite realm, the quantum field.
We are coming at it from the product solidity of saying you are purchasing a product that is going to last you for a lifetime.
In the world of products, 25-plus-year lifespan is an eternity, because everything is disposable nowadays.
Nothing is meant to last.
I don't think even cars are made that way anymore.
I mean, household appliances, they break down today after a couple of years.
Right.
We're not talking about the sewing machine of your great-grandmother that is still around because it was different times.
You know, it was made differently.
And so how amazing and refreshing it is to find a company that is its own equipment manufacturer from start to finish, from the first screw that goes in all the way to when they pack it in the box.
Where do you find that nowadays?
Even Swiss watches are not made in Switzerland.
We want to believe that that is so because the last screw is put on in Switzerland.
That's why they can claim that.
But the rest of the ensemble and the machinery that goes in it most probably was outsourced and it came from somewhere else.
And it's a little bit like a put together along different locations before it gets to the final destination.
But here we're looking at something that has that heritage and that pride of we want it to last.
We want you to be proud of what you've purchased as a product.
And also to be excited about what this product can do for your wealth and your health down the line.
The bottom line is really that if you want something to change in your life, you need to make a change.
So if your initial thought is, oh, but I don't have the money right now to buy this or to invest in this, then you've really got to do this exercise of prioritization as well.
Right?
What are some of the things like, where's your money currently going now?
Where are you spending it?
Is there some tweak in your day that you could make that could give you some of that money back?
For example, going out and getting a coffee every morning.
Right?
I have a friend, she goes to Starbucks every day to get her coffee.
That's her ritual.
That's fine.
We have our favorite rituals.
But if you're serious about this and you really, really don't have the money, by not having that little thing in her day that saves her $1,000 to $1,500 a year already.
Right?
Then you've also got to look at like, well, there are a few sacrifices I probably have to make in order to make this investment.
So there's temporary adjustments, like unnecessary expenses like the coffees, but also some long-term things that you could think about.
For example, refinancing some of the things you have, like refinancing a mortgage, having like maybe calling in an expert to see, okay, what is some things I could shuffle around to free up that investment, right?
It is possible.
We just had a meeting the other day in our call, right?
At our team call with the specialist who says, look, I can refinance things that you have, whatever loans or whatever investments you have.
So there's an option, but also maybe there's a few sacrifices.
Maybe, you know what?
Sometimes we feel lazy, I say, we'll jump in a taxi, take the bus for a while.
There are ways.
If you're serious of making a change, you will find a way to put aside a little bit of money and reclaim that from somewhere.
There's even options as well just to go into line with that, what you were saying.
In places like the US, there's credit cards from certain banks that also offer 0% interest rate for, I don't know if it's like 12 months.
Yeah, in many countries actually.
And you can place it under a credit card that you don't have to pay interest on it.
And then you'll see, if you do the math again and you say, well, if I am investing in this machine, but also in this wealth creation vehicle for leveraged income, and I know that I can share this experience and how much it has transformed my life with other people.
And I get a few sales.
I have already paid all of my investment down.
So my return on investment is paid.
It's the fastest return of investment business that there is, honestly.
Just bless five people with health and with this opportunity, just five, and you have that investment already back.
Right?
So if you really want this to open the door to both, either or both, health, wealth, both, and you have a few people that have this aligned view with you, boom, done, ROI is already back.
Right?
Also thinking about the tax benefits this gives you of starting a business in some places, depends where you are.
There's also options of just co-investing with someone, right?
A family, a friend, a spouse, or there's things like honestly, like if we're thinking we do that every couple of years, we really look at like what do we need, what don't we need anymore, and you can resell so many items.
There's so much in our house at the moment that we probably don't need right now.
Let's be really, really honest, right?
It's like one thing is donation, but the other thing is like we can actually really resell that.
So there's multiple, multiple ways, if you're serious of making a change in your life, because we could also really look at the cost of not doing this, the cost of not investing, right?
So, Iva, what do you think?
What's the real cost?
What's the cost of waiting?
And how much money are we actually leaving on the table here?
Well, I'll tell you, for me, what I've started to come and see more and more with regards to the cost of not investing is that I am having more and more conversations and even people reaching out saying, hey, so and so, they both lost their jobs.
And they're scrambling, and now they're trying to see who's hiring them.
And you are not getting younger.
You are becoming more expensive in the job market, both you and your spouse.
And so if you look at it from the sanctity of, okay, I have a regular paycheck, let's face it, the way the economy is and the way that the world moves, there's a lot of uncertainty in that.
Companies downsize, they restructure all the time.
And it's a bit of like a bingo game, but sometimes, you know, it's our turn.
And even in countries like the US, where a lot of federal jobs were believed to be, you know, untouchable, you're seeing people getting made redundant, unfortunately.
So nothing is safe anymore.
Nothing is safe.
That's why playing it safe is the riskiest move, because the cost of not investing in something that you can be building alongside of what you already have, you know, this is not a conversation about, you know, have your spouse or you quit your job and do this.
You can build this alongside.
You can also create additional passive income streams, because that's what everybody does.
Even the reach and famous.
I always go back to this example, because it's so true.
A lot of celebrities, they have their day job, if you will, the gig that you know them for, and they also invest in companies, sports companies, teams, you know, beverages, whatever it is.
Because they know that at some point, they also will become irrelevant in their industry.
They will be too old or not the profile that the industry is looking for at some point or another.
And that is the cost, is the freedom to not have choices.
That is the cost of uninvesting, is that then you don't have choices, then you're scrambling, and you're coming out of fear.
Mm-hmm, exactly, exactly.
And another thing that is very fearful, actually, is that nothing is in our control anymore.
Like you said, with the like sudden, like losing of all these jobs, but also for people who already do have a bit of an investor mindset, that's great, and they have gone into real estate, they have gone into stocks, but look at how fast that can go.
There's a crisis, and all of a sudden, the real estate prices, like either if you're lucky, they go up, if you're unlucky, they don't.
And also stocks, how many?
I've just had like such a heartbreaking conversation with one of my friends, they've just lost a lot of money in stocks.
And it's not in your control.
Yes, you hear so many success stories.
Yes, but you don't hear all of the like the actual devastating things that have happened on the other side of that coin, right?
And also like thinking about like a lot of startups that people invest in.
Yeah, but startups, there is no proven track record, right?
There is nothing or even looking at other things.
It's volatile.
Yeah, it's volatile.
You're investing in things that are speculative in nature versus investing is something that you know that you're getting a product that does what it says it's going to do from the get-go.
Like there's no speculation there.
I would add also as a final like cost of not investing is your health.
Like the cost of your health.
Yeah, because you might be looking at an accumulation of toxins and microplastics in your body, in your children's body, that will continue to accrue until they flare up into something that is a medical condition or symptoms.
And that is, I think, one of the biggest things, right?
Is that, can I, with a clean conscience, say, did I do everything that was in my power to do to be the gatekeeper of my family's wellness, to the best of my abilities?
And am I going to let money be the entry barrier?
Is it just going to be like, oh, well, you know, we just didn't have money.
Could I look at my children in the eye?
And I know I'm making it very dramatic, but, you know, when you're playing with, I don't want to say playing, because I don't think any mother comes from this space, but when you know better, now you have to do better.
So it's a little bit what comes with listening to podcasts like this.
It's like, oh my god, even this, why do you have to say this?
Because now I cannot not hear it.
But here it is.
It's like, can I go into the future and look at my children and say, oh my god, I kept you as healthy and as safe that I knew how with a clean conscience?
You know, I did my research, I did my due diligence way beyond how many pixels the newest phone had and the newest this had.
You know, I also went deep diving into the basics of basics.
We are made of water, and what is the best water out there?
And we made it happen.
Yes, with sacrifices, perhaps, with the adjustments along the way, but we made it happen because I can proudly say, hey, I looked after you, and I looked after the planet, and I was also looking after myself because I became more fulfilled along the way.
I felt that we had freedom along the way.
We had more presence.
I wasn't missing important milestones.
It was like the ultimate package.
Like, that is the energy that I want to come at it when it comes to this investment.
And I really hope that it resonates with everyone out there because it's what we mothers think about, right?
If this is something you truly desire to be there, to carry that responsibility for yourself, for your children, for your family, if this is something you really want, then there is a way.
So we got you, Mama.
Kudos to you for doing everything in your hands every day, each and every day for showing up.
We celebrate you, we salute you.
And we just hope that this conversation really opens up the doors for you to consider what's next for you, what's next for you, for your family, for your future.
And we really hope that you moving forward can tune in on how you make your decisions and to ponder whether you're making them based on present fear or whether you're making them from future freedom.
And we hope that it is the latter.
And we're here if you ever have any more questions to help choose accordingly.
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