This Nurse Educator is Financially Independent Through Real Estate - Ep. 37
Dr. Margarita David is a wife and mom of 3 who was born in the Dominican Republic and immigrated to the United States at the age of 6. As a bilingual Clinical Professor, her driving force is helping aspiring nurses, nursing students, and novice nurses thrive. She understands the importance of knowing the pathophysiology of disease processes and pharmacology when caring for patients. As a result, her teaching style has received rave reviews from hundreds of students as she makes hard to understand concepts easy to comprehend. Now that she has finished her doctoral studies, she wants to provide others that are thinking of entering or are currently in a nursing program, with the knowledge and skills needed to succeed. On top of all these accolades, Dr. David and her husband of 19 plus years were able to amass a real estate portfolio giving them the option to never have to work again.
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TRANSCRIPT:
Margarita David (00:03): So that's how I got into it. And once I did my boards, I started working in the O R for most, I always say never specialized and I specialized. I couldn't even, I couldn't stand it.
Margarita David (00:20): You're listening to nurses on fire, the podcast for nurses by nurses aspiring to financial independence. I'm your host and this EMA McElroy, a financially intentional, less sparse and flame Shah.
Margarita David (00:38): Have you started on your journey towards financial independence or want to do better with your money and don't know where to start? Well, this training is for you. I encourage you to head over to financially intentional.com/live to sign up for RD, Nick's free tree masterclass where I'll teach you the techniques I've used and taught my clients to master money and build wealth. During this free training, you'll learn the most powerful weapon you have at your disposal to launch into financial freedom, the budgeting method that will free up thousands of dollars a month to achieve your financial goals. The common mistakes to avoid while paying off debt and how to rapidly slave debt. You don't want to miss this. So head over to financial intentional.com/live or click the button in the show notes to register for our next free masterclass.
Margarita David (03:29): That's like my favorite place.
Margarita David (03:31): Oh my God. I was always freezing. I was just getting things for people. I was like, what is this? Am I a maid? Oh. And I've been doing that ever since. Um, I've like gone into transplant, nursing, school, nursing, I've all over the place, but I never left the bedside. I always tell my students and friends, you need to keep the bedside. That's kind of how you're going to get a little bit of credibility because it's something, it'd be book smart, but if you can't really explain how things actually work, if you're not in the trenches, how are you going to really be credible? So that's a big model for me. So that's, that's where I'm at.
Margarita David (04:12): That is really, really funny that you landed in the OR, and you where like, Oh no, this is not the place for me. And went back to med surg, I was, I went straight into, um, labor and delivery. Well, I went straight into postpartum and then a year after went into labor and delivery and I could never see myself working with sick people. Cause I'm like, I don't want to be sick, but I love what I do. So, um, I think, I think, I think everybody's journey into nursing is so interesting to me because all our paths are so different. But I think that's the beauty of nursing is that there are so many different options for people, um, who want, who are interested in different things, even from, even if you don't want to do bedside, to be in administration to use that business background, I will start it in healthcare administration and hated it. So I'm just like, whatever. I couldn't do that. But, um, now you're a doctor, so you got your, um, advanced practiced, super duper advanced practice degree in nursing. Tell me why you chose to do that.
Margarita David (05:22): So I, once I got my bachelor's, you know, and I, I started doing Med Surg and, and all that, I was like, okay, one thing I do not like is to be pressured into doing things. So the way that things were going, okay, they wanted more and more and more from us. Um, and I know that they started with those that didn't have a bachelor's already had that. But I say, wait, if this is going to continue, I'm going to definitely continue on myself because I want to do it on my own pace. So that's when I went into the master's program. I started as a nurse practitioner as a family. Then I changed to adult and then I said, you know why I don't want to deal with that. I want to go home and and not have to think about it. Somebody going to call me, did I prescribe the wrong thing and I'm going to get sued. I said, no, no, no, no. So I went into nursing education and then I finished that in 2016 and I started teaching clinical. I saw that was going to be the end of it. And then, you know, around a year end school has been such a part of my life that I said, you know what? Why don't I just finish it? And that's when I enrolled in the same school I did my masters and got my doctorate, which I defended in December and I graduated in January.
Margarita David (06:35): Congratulations
Margarita David (06:36): I mean I know that I put a video up on the channel about it. So it was a really emotional day. It was a really good thing to get. Cause I always read, I always tell my students that experience, we'll give you the credibility as well as your credentials. The more you invest in your education, the better it will result and gains will come from that. And, and I know that a lot of nurses out there are getting into nursing for the wrong reasons. You know, they're looking at the monetary gains. Oh, like, Oh my God, I'm always going to have a job, but I'm definitely going to be making money. But that's not what it is about because patients can sense that, you know, there's something about loving the field and then loving what comes with it and then loving the field. I don't know if I make sense with that.
Margarita David (07:18): So, um, I, I strive to always say that to my students. I even did a video yesterday about the whole specialty thing and, and how you should make sure that you're expand in your education because that's what's gonna really get you places and open all the doors. Now I have, I feel like I'm limitless, but then I have to kind of think, okay, what am I going to do with this? So I think it's given me more work because I'm telling you with this channel, this page does this other thing. My job, I feel like I'm, I'm working more than I ever have been and on the side. Then, you know, we have our family, we also have our side hustles, which you should always have, especially for retirement. And, and I'm using a lot of that business degree that I got in that. And thank God my husband also, he's an engineer, but he's very focused in that too. So to gather with really have a good, a baseline for our retirement, that's for sure.
Margarita David (08:16): That's awesome. And I love the way that you talked about investing in ourselves. Just like investing in education. I feel like what nurses don't do, um, like we have to do, you know, our CES to make sure that we maintain our license, but we don't really heavily invest in ourselves. Um, you know, and invest in our just overall development because it's so easy for us to get comfortable. But in a lot of times in us getting comfortable, Mmm. And because this is a finance co, um, podcast, you, our finances fall off, everything falls off because we just, we just kind of go with the flow and we don't grow and then we get to a point where it's like too late, it's too late. You feel stuck in your position, you feel broke, you feel totally burned out. That's where the burnt-out the burnout comes in. So I want to know, like what are some things that outside of your education that you've invested in to make sure that you grow? Um, just as an individual.
Margarita David (09:28): So, yeah. So yeah, we have our jobs, you know, we, yeah, our nurses, we teach, we do all this stuff, but sometimes that is something that can be dispensable. I mean, with the way economy's going, um, my God, I, the TV is off because every time I look at it, the stock market's worse and yes, we'll, we'll, we'll, they regroup and we'll get back. Of course they will, but it's gonna take even longer, longer every time it backs up. So you can't, we always had the mentality and I always had the mentality that you cannot depend on a job. When you depend on a job. It's kind of like you're in the hands of someone else and you're not in control of your own future, your own presence. Um, so I am a true believer in diversifying. Yes, do do, is it good to have a 401k?
Margarita David (10:14): Yes. It's good to have a 401K because you get money from your employer. Hopefully, you know, not everyone does it, but they do match. So that's free money. Yes, that's great. But how about if the stock market goes into a super recession and you lose all this money and then maybe you get sick. So what are you going to depend on now? So we always valued diversifying in real estate. Um, and, and that's basically what we have focused a lot of time in. And honestly, our kids are going to be set when they're older. You know, like when I grew up, I wasn't born rich or anything. So what I've have, I've worked for and, but we always wanted to have our kids set up so that they don't know any struggle. Do they understand how those things were attained? Of course in no way, shape or form are they considering privileged?
Margarita David (11:06): However, I know that my kids aren't going to have to take, they're not going to have to take a school loan to pay their education. I don't want them to go to school loan. That may be, you know, in with going to school, again, starting from scratch, I had to take a loan and I [inaudible] I mean, thank God I finished paying that, but now I'm currently paying my doctoral one, you know, so it's, it's a lot, you know, so I don't want them to have that struggle. I want them to start fresh and clean. So yes, the one thing that we did was invest in real estate. So, um, we started with one, we bought a multifamily in New York and from there it has grown to 21. So it's a, it's a lot. And I'm, I'm look saying this is a emoji that goes like this, that my husband's terrible, that stuff because or else it will drive me nuts with everything I have to do, but I feel that I can say I'm financially independent, that I don't have to depend on an employer in order for me to, let's say have something when I retire.
Margarita David (12:13): What does that feeling do for you? Like when you are teaching or when you're going into the bedside or just working, like knowing that you don't have to depend on that check.
Margarita David (12:25): I literally this morning was having some conversation on my way to Walmart because I said, you know when, when a lot of these people, now everyone has a YouTube channel, but now everyone wants to teach on YouTube for what monetization, and I made a big point about that this morning that I truly do enjoy teaching. So if your job is to do that at 24 seven I don't know if I could trust that. You know what I mean? But it's good to go into work taking care of your patients, teaching your students, because you really do love to do it as opposed to, because you have to do it. Because I'm telling you there's a big difference when you're caring for patients, when it's like, Oh my God, I have to be here and I don't want to be here, but I have to be here. You know what I mean? As opposed to, okay, I choose my own time. I choose when I [inaudible] like I keep my bedside. So I am per diem, so I, I do my hours, but do I really have to kill myself? No. Do I have to really work five days a week? Unless, I mean, I can if I want, like if I want to be greedy, but do I have to? No, I'm truly doing what I'm doing because I love to do it. And I do want, and I tell this to my student, I was having this conversation last week with another group of mine. You know, they, everybody goes and puts everything in a 401k or it goes to each trade or fidelity invest everything. It's like, so all the time.
Margarita David (13:47): Yeah. I love that. Even though I am very heavily invested in the stock market, but, um, but there's a risk in everything and I think that, um, we just need to understand that risk and know how to mitigate that risk, but also understand the person that you are, um, or the person that you need to become in order to make sure that your investments are set up the way that you need them to provide for you. So, um, I also love real estate as an option, but I was also, um, one of those people that in 2000 Mmm eight lost everything because of my real estate investments when the market crashed last time. So I was like really super duper hesitant about real estate investing. And it's just something that I like in the last couple of years recently just got back into. But, you know, there's, there's, there's risk in everything and um, but, but the only way to build real wealth is to invest.
Margarita David (14:50): And you can't build wealth by saving money because you're going to lose money because I'm inflation. You have to be willing to invest. But one of the best investments that you can make is in yourself and in your own personal growth. And then all the other investments in the market and in real estate and all those things, they'll, they'll come. Um, they all fall into place. But the best investment you can make is making sure that everything that you do is in developing who you are and that'll pay tenfold, multiple folds over. So I really, I really, really love that. Um, you also talk about, um, well I want to talk about how you went from one unit to 21 units. Like what was, what happened? Like what was the mindset shift there and how, how did you get there?
Margarita David (15:45): Well, we started with the one in New York. That's the moneymaker New York. You know, the rents are super high and I mean the units are large, but I'm telling you, if you live in New York, you can live in a shack and you're paying thousands of dollars. Um, but these, this is a three family home and um, the two major apartments are four to five bedrooms. And then we have the other one that's like a big studio. It's open. I mean it's equivalent to like four bedrooms, but it is like a studio that has no walls except in the restroom. So those are big moneymakers. So after we did that for two years, we just kept that one. And once we build the equity for that one, and that's the key. Like a lot of people don't understand that you want to build that equity. Some people are just quick to just keep buying, buying, buying you have to kind of relax.
Margarita David (16:30): It'll come with time. That house build equity. It wasn't expensive home. Um, but it did pay itself. That's all we needed and everything that was extra from that house we sent to the mortgage. So it started getting even better. So the mortgage started getting paid quicker, the equity started rising, so we had less of a debt. So at that point, with the equity we built in that house, plus we saved. So once you get another home, you can't really qualify for those first homeowner incentives or anything. So you do have to save at least 20%. And, but we had the equity from that other house. So whatever we were, I'm missing. We got it from there and then we got the second one. So then we keep building on the first equity and then the second one started building equity. So basically we kept saving for the, um, closing and deposit.
Margarita David (17:23): Okay. But in reality it was the equity that we built from the others that started the domino effect. Um, the last, let me think, one, the last two, the last two that we bought, we bought cash and we renovate it. So we were able, and so we have no debt in that and they're fully rented. Um, both of them are two family homes. [inaudible] except for the one in New York. All of the others are around where I live. And then, um, there's one that we had a plan that we wanted to finish pain one by the time our, our oldest was entering college, he enters college in September. Then the other one from New York is going to be finished when our second one and through his college and he enters in two years. So for each investment we did, it was for a purpose. Now the last two or three, it was just too get them cause it was opportunity.
Margarita David (18:12): So that's another thing. Sorry. That's my dog. He's right here. When opportunity knocks, you have to also have money in the bank to be able to grab it. Like the last two we bought them cash, but guess what? One was sitting there for like five years. People thought that the house was nothing inside. It's the most beautiful house inside to family. It just needs an upgrade. Do you know how much we bought it for? Let me see. Do you guess? It's a two family home in [inaudible]. It's a town that's a historic Italian American town in New Jersey called Gibbstown. It's very historic. Um, it has like a river front. I mean it's beautiful. Cool. We bought this house for, I think it was $48,000.
Margarita David (19:00): In New Jersey?
Margarita David (19:01): Yes. And it's worse. It's worth $250,000. So people got scared of it cause it's so they had to do a lot of remodeling. My, my husband is pretty handy and we got it and now it's fully rented. It pays itself. Plus we have an additional thousand dollars that goes straight to our savings just from that one. The one previous to that is on two acres. So two families side by side. Each side is about 1500 square feet, two levels. And we bought for sure $35,000 and that's in my neighborhood, which is very pricey cause Jersey everywhere you go it's pricey unless you go to like the hood.
Margarita David (19:44): But, and we fixed it and it's worth literally like over $300,000 right now because it w that was an opportunity. One of the sides had a lot of work that needed to be done and the other side, the lady was getting older, she was moving to South Carolina. So it was an opportunity. So that's a key. Always have some type of, I would say if you can save at least $40,000 in the bank for an opportunity, because that's going to double and triple by itself.
Margarita David (20:12): Especially right now, I'm like, when people are talking about like the fear of this recession, all I see is so much opportunity and that's why I'm like, this is a time to be cash rich. Like don't take out any loans right now, focus on getting your cash up because there'll be so many opportunities like that. And so I love that. But you told me that you didn't grow up with a lot of money, so how did you learn this stuff?
Margarita David (20:41): I'll tell you, my husband had a lot to do with that. He's very focused. I mean I'm focused, but he was in the beginning, he didn't want to get into buying multifamily homes and stuff because it can be quite a little work. And he's the type of person he doesn't like to hire out because he says that when you do your own work, Mmm. You know, you know, you want to make sure it's good and it's going to last. He doesn't like getting contractors for some reason. Recently he's hired one that he really trusts, that's about it. But he likes to do things himself. So he was always scared to do it cause he didn't have the time. So that we started with the one and then from there we just, but we saved, you know, when we, when we got married, we got married pretty young.
Margarita David (21:23): Um, I've been with my hubby's since I'm going to, I don't know if I should say the age, but I just turned 41 I've been with him was 14, so we've been together forever. Um, so we got married, I was 19 and he never wanted to rent. So he literally like, you know when you get into development and you [inaudible] yeah, pick the house. That's the one I want. Yeah, he did. And I still had a year of business school left, so I had to travel back and forth from New York to South Jersey and we were literally home poor, cause that is a word. There's home rich, right. And then there's home poor. We were home for for like four years. Um, we didn't go out anywhere where everything was home. Uh, we didn't have fancy furniture. It was the basics. Ikea somethings like a table. It was what we needed at the time.
Margarita David (22:11): And that is key to people understanding too. You don't have to start out with a band, you know, who cares what people think. At least you have a house. Not many can say, Oh, I got married, I had my new house and stuff. Who cares if you don't have all the furniture and stuff that will come with time. And it did, you know, after four or five years and we were struggling, you know, we were, we were working to pay our bills. Um, and then I go and start school again. You know, we already had the two little kids and it was hard, but we made it, we made it work. And I think that's what gave us the motivation to start with one and then continue and continue. And then it just grew itself. I mean, I, I don't even know how we did it, but I think it's when you're determined to set a standard for your kids, um, and their future and to also not depend on our job, we're pensions because who knows social security, who knows if that's going to even be there when we retire. I don't think it will be. Okay. Um, so you can't really depend on, on that stuff at all. [inaudible]
Margarita David (23:21): yeah. I love that you have a partner that you're totally on board with, but I cannot believe that he is so handy that he is willing to do all of that work.
Margarita David (23:30): We all do you want to sit here?
Margarita David (23:34): Yeah.
Margarita David (23:35): Look at you see all that really? Yeah.
Margarita David (23:41): Oh my God.
Margarita David (23:44): He destroyed this house and redid it himself.
Margarita David (23:47): Oh my God. That's [inaudible]
Margarita David (23:51): those were roles. He, he literally all that iron work he did himself like people that's shapes and he welded it with his dad. He doesn't like anybody doing anything. He's certainly working on, this is the weirdest podcast. Look, I'm joining you.
Margarita David (24:10): Oh my God.
Margarita David (24:12): So he's very right. Handy. So I'm telling you, yes,
Margarita David (24:19): that is so cool though. We all aspire to have husbands like you man. But that's cool. But I think the, the key lesson here is that getting on the same page financially with your partner is paramount. Like that major, when you're on the same page, you can accelerate your goals significantly. Not saying that you can't do it if you're not on the same page, but that right there, finding someone or having a partner that you can grow with and that you're on the same page with men, makes financial independence are whatever your goals are. So much more attainable. So I love that. From the time you guys got married, you guys were head down and focused and on the same page and just growing and, and didn't and didn't start with a whole lot, came from really humble beginnings but was still able to not only built like this real estate empire, but look at you, you're a doctor of nursing and you inspire so many other people in nursing. And I'm sure just in business in general. So let's transition and talk about, um, your business that you have now, a DoctorRegisteredNurse. What do you do there and where, where do you see it going?
Margarita David (25:42): Well, I always said that once I finished my doctorate degree and because I knew the struggles that nursing students go through when they're in nursing school, especially that a lot of them are going through these fast track programs because does he have another degree, a bachelor's or something else? I knew that struggle and I always [inaudible] so that I wanted to pay it forward and providing an, a way of, of learning that is conducive to actually retaining the information. Because a lot of students, what they do is they try to memorize the information for a test. And I live for by a model that you want to work smarter, not harder. So I try to teach my students that in order for them to work smarter, they should retain the information first so that when they have to review it, it's not really, now let me learn it again.
Margarita David (26:27): So you're trying to do quality, right? So quantity. Um, so that is literally my drive to be able to provide them a way that they can understand it either through visual prompts or even when I go live. I do a lot of those on Facebook or watch parties. So yeah, that was my main purpose, to give them a way where they can actually understand and then also have the credentials to back it up. Um, because a problem that I'm seeing how I said earlier, there's so many people out there trying to teach things. I'm not going to mention them, but there's one particular person that if I hear her name one more time, I'm going to drill something in this ear and I'll take my eyeball out.
Margarita David (27:09): It is, but you know those, they work, they work in the, in the field. I will, you will never see me teaching pediatric. I am not a pediatric nurse. You will never see me teaching maternity or labor delivery. I will get an expert for that. So when you have someone that knows everything, people need to be caught. Just stop it. Okay. It's kind of like if I want to go do a facelift and I go to a foot surgeon, it doesn't make sense, right? It just doesn't make sense. Okay. Or a general surgeon that doesn't make sense or avascular, so it doesn't make sense. So I wanted to make sure I had the credentials to back it up as well as the experience. Um, and now, cause I could have probably done this years ago, right. But I just didn't feel that I was ready. So that's why I started opening all those avenues and it's been growing quickly. Do I want it to grow faster? Of course. But I think that in the, let's say set six, seven weeks that it's been open. It's almost one thousands subscribers on YouTube. It's growing on Instagram. So it's, it's growing, it's growing. Hopefully it grows way more, but I'll accept the growth so far. Sometimes I'm impatient,
Margarita David (28:25): but I love that, um, you do your education both in English and in Spanish. And I think that that is super unique and I think that, uh, you're addressing a strong need out there. For example, um, I have a friend that was taking his INCLAX and just like right on time, right when I, um, right. Basically when you started your platform, I was like, look, you here, here's somebody that you can learn from. And he is from Columbia. So I was like, she does it in English and in Spanish. So however you're comfortable. And so, um, I, I love that you're serving, uh, typically underserved demographic. So I think you're doing amazing things and you will grow, you will grow. Is that, that the first couple of months is really, really hard, but I can see you really taken off.
Margarita David (29:21): So yeah, I wanted this platform to be bilingual. Now there are a lot of things that in this, in healthcare that is so difficult to translate, but I'm a fluent Spanish speaker. Well, I've even with that, like I remember I did a video that I was like, Oh my God, I know that my uncle's going to call me. And he did. Oh, you didn't say this right. You know, I came here when was six and I, and I do speak Spanish every day, but when you're trying to really be a professional Spanish speaking, it's a little different. But I did want to be able to provide that service. I actually even got someone from Puerto Rico that moved to the States. Um, and from all over that has [inaudible] Columbia and like your friends. Uh, cause although they might know the language of English because Spanish was their first language, they can, I understand the concept better in Spanish.
Margarita David (30:13): So I travel a lot back and forth. But still I wanted to make sure I provided a forum that I could speak in Spanish. Um, I'm trying to reach any nursing student, anybody in health care, anybody that's not in health care because the topics that I cover, anybody can understand. And that's what I wanted the channels to be easy to understand. Like when I, I just did something on coronavirus, although weeks ago I did it in Spanish. I sent my husband like, you should do one in English. And I'm like, well, there's so much out there, but just get it. Just do one. And I did it. And anybody can understand it. Like, you know, there's three different phases. That's not something that's being talked about in the news. That's why people that have died is there's your reason they've progressed to those three stages. And if they go through the second stage, students who third, it's very unlikely that they're going to survive it.
Margarita David (31:06): I made it very understandable for the regular person. My sisters, I asked them all the time, can you understand his own? Yeah. It's easy to understand. Um, so I, I want to reach out as many people. Of course nursing students are the ones that are usually looking for this stuff, but it's not limited to them. I don't care if you're 150 years old or you know, if you're just starting high school, it doesn't matter. My son who's a sophomore looks at the videos of the time and they learn. Mmm. And you know, I have the platform on YouTube, which is doctorate registered nurse, dr registered nurse. Um, I have the platform on Facebook on the same name. There's a private cage group and then there's a Facebook that's like the business public page. I have the Instagram which is official doctor registered nurse Twitter is doctor with dr reg, R E G nurse.
Margarita David (32:03): So you can find me anywhere. You'll find me online. You can find these under the name cause I'm literally in every form you can find me. Um, which is the, I wanted that because again, I don't know who's where. Um, a lot of people don't use certain ones so I wanted to cover as much as possible.
Margarita David (32:23): Yeah, I love it. And I'll have all the links to all your platforms in the show notes. So if you're driving you can't write it down, you can just click, click the link in the show notes later. But I wanted to thank you, dr margarita for coming sharing with nurses. I know they'll be inspired by your story and I don't know if you said it, but you're from the Dominican Republic, right?
Margarita David (32:47): I am.
Margarita David (32:48): Yeah. Yeah. You are. You came here as six years old. You started in your marriage with nothing, with, you know, not, not rich and was able to build a empire and you went on to achieve your doctoral degree, which is super aspirational. But the most important thing is that is totally replicable. And I hope that this inspires people to know what's possible. And that's the whole purpose of this platform to um, empower people with the knowledge that we're out here doing big things, especially as nurses. And the sky's the limit. And I just, every week want to come into your ears and show you different ways where you can make it happen for yourself. Um, so any parting words you want to leave with the people, Dr. Margarita ?
Margarita David (33:39): To become independent, not depend on a job, make the effort, make the sacrifice. It's going to be sacrifice. There is, there might be a year or two that you don't go to the movies or go out to the restaurant or, or do some fun stuff or travel, however you have to sacrifice in order to be able to succeed and to establish a financial freedom plan that's going to set you up. Do you really want to retire when you're 75 no, you don't. Honestly, I have a five year goal. I'm 40 trust and believe that at 45 that retirement talk is going to start. I'm not going to have to wait that long because I prepared, I sacrificed and I know sacrificing is scary. We are selfish. We want to do everything. Now. Think about all the, the, the gains that you're going to get when you start early, even if it's later, double up on those savings. You don't have to go to the movies. It's going to be on the television a couple of months. Wait, it's a sacrifice that you have to do. So the word here is sacrifice in order to gain. And that's what I want you to tell you.
Margarita David (34:49): I love that. And the thing is, is that people look at sacrifice. Like it's scary. But if you're not sacrificing today, you're sacrificing your future. So you need to understand that. Don't look at sacrifice as about where we look at it as an opportunity. And we've shared with you different opportunities is that you can take at this point. But I love that you're saying sacrificing. Thank you so much for sharing your story. I know people will be inspired. Um, and thank you and we're going to check back in with you at 45 cause you'll probably be retired by then because you have the passive income to do that. You, you, you have what it takes to retire right now if you want it to. But I think, um, conservatively you're just giving yourself that time. Um, and then like I, everything that you've done is replicable.
Margarita David (35:39): So I hope people realize, Hey, he to the messages that you can bade because they're super strong messages. So again, thank you so much for sharing your story. Thank you so much for continuing to educate and inspire. And again, it was truly my pleasure.
Margarita David (35:55): You are my inspiration cause I need to get to Forbes, I need to interview you so that I can get into Forbes magazine. That's, that's in my plan book by the way. Oh girl, I can get you a deformed so we can do it. Let's do it after It's been a pleasure. Any questions you got? Send them my way.
Margarita David (36:21): All right. Thank you.
Margarita David (36:31): You've been listening to nurses on fire. If you want to learn more about me or my guest, check out our show notes page. If you found value, please support our show by supporting our sponsors and affiliates. Also listed in the show notes. If you like what you're hearing, we'd love for you to give us a five star rating and subscribe on Apple, Spotify, Google, or whatever podcast app you're using to stream this show. You got to tell all the nurses in your life to subscribe, and if you know a nurse with a compelling money story and would like me to feature them, shoot me an email@nisimaatfinanciallyintentional.com. All right, Shah, much love and keep them fires blazing. Thank you for sharing. Kilimani at [inaudible]. Bye bye.
Hey there I’m Naseema
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