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Woman of Influence
Mastering Money with Jason Tartick: Financial Literacy and Personal Branding
00:50:44
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- [00:00]
Julie Solomon
And I think that that's probably the perception that someone may be like, well, you know, he had this platform, so he gets all these opportunities. It's like, no, no, no, no, no. The platform might have gotten him through a door, but now he has to have the expertise, the wisdom, the resilience, the drive to actually keep that door open and to open new doors for himself.
- [00:19]
Jason Tartek
Welcome to the Influencer Podcast. I'm your host, Julie Solomon. If you found yourself here, it means you are ready to unleash the powerful visionary that lives inside you, turning you into an authentic leader who creates influence, impact, and change. Let's get started. Hello, friends, and welcome back to another episode of the Influencer Podcast. Today we have a really fun conversation with my friend Jason Tartek. Now, if you are a fan of Bachelor Nation, you probably remember Jason from the Bachelorette, but I actually know him very well through some mutual family friends that we have. And why I wanted to have him on the podcast is to not to talk about Bachelor Nation, but to talk about finance. Jason's background in finance has really allowed him to step up and step into a personal brand that is all about how to manage your money. And what I love most about Jason is that he talks a lot about the money mindset. He talks a lot about financial security, financial. Financial infidelity, and how we can really start honoring and owning our relationship with finances. He's got a new book out that is titled Talk Money to Me, and it is about how to be able to talk about money in the relationships that you may have, whether that's with a spouse, a parent, a brother, a sister, whatever that is, and to start to really get comfortable and excited, to not only talk about money, but to own money, to have money, to use money, to invest money, and to really use it as a tool that it's meant for, which is to create impact and change. So I love Jason's mindset around this. I love his expertise around this, and we go deep in a lot of this. I actually even share some of my own personal journeys with finances. If you've read my book, get what you want, you know about my story of my own financial infidelity in my own marriage, and I share with him a little bit about that, and we kind of navigate some tips and tricks on how to get out of your own way, so to speak, and start to really embrace the wealth and success that you want to have. So without further ado, my friends, let's get started.
- [02:27]
Julie Solomon
Hi, Jason. Thanks for coming on with us today.
- [02:31]
Jason Tartek
Hi, Julie. Thank you so much for having me. I appreciate it.
- [02:34]
Julie Solomon
Yes. So I'm so excited to chat. I feel like we've gotten to know each other through some family people, some of my family members who I know and love. My husband, obviously, you've gotten to hang with him. Mutual friends, and it's just been great to get to know you. And it was so funny. You know, we had met a few times, and my uncle, who is amazing, you know, called me up and he was like, I think you and Jason need to, like, talk. Like. Like, you just seem to kind of be, like, the same wavelength. You know, you, like, both get it. You're both, like, young and hip, you know, in his, like, uncle way. And I was like, yeah, I. Okay, we're gonna make this happen. So I'm so glad that we're here and that we're able to. To dive in. And with that, to say, I want to start with a question that I love to ask people, and that is, what does influence mean to you?
- [03:16]
Jason Tartek
No, that's a good one. You know, real quick, too, on your. Your uncle, funny story real quick is he did this networking group, and there's all these big business leaders in Nashville at this dinner, and all of them have these big titles. And when he got to me, he's like, jason, I want you to talk about social media. And so I just started going off on what we're doing with the talent management agency and, you know, the KPIs and all this. These guys looked at me like I had six heads, and they're just like, listen, we don't know the business. We know there's big money behind it, but we need more. And that is when your uncle is like, I gotta connect you to. There's some type of same wavelength. And it's been such a pleasure getting to know you. And your husband's an absolute beauty. And I need all his nutrition and workout hacks immediately. Anyway, influence. You know, what does influence mean to me? It means to me that you carry something that's special. You have something that defines leadership. You could lead others while probably being led. And you have some sort of specialization, specific niche or outlying skill set or lifestyle that allows others to have interest in what you're saying, what you're doing, or what you're providing. And as a result of that, your ability to communicate in any form that you consider communication in a way that drives someone to change or reconsider or follow your lead. And so I think if you have X, Y, and Z, you have the ability to Then sway others to believe in what you're doing and how you're doing it, and others want to follow the lead that you've set and the precedent that you set.
- [04:53]
Julie Solomon
Oh, I love that. That's so good. Um, and we're going to be talking about that today. I mean, what I. What I find to be so cool about you. I mean, at this point, as you said, you, you run an agency, which we're going to be talking about. You are a two time bestselling author. We're going to be talking about your new book, Talk Money to me. But I think what is interesting is that a lot of people may or may not know you from the Bachelor, but before that, or Bachelor Nation, I should say before that, though, you had a whole life and a whole career and a whole business, and then that catapulted you into the public sphere. But I would love to know how you've been able to navigate. And we'll get into the details of this. It's a little bit about pivoting, but really initially, how were you able to navigate that kind of platform and then be able to think like, okay, how am I going to take who I am and what I do and the influence that I now have and actually use it for good?
- [05:50]
Jason Tartek
Yeah. So my background's in banking and finance. I have an MBA in finance and accounting. And I had worked in that career track for 10 years before taking the wild leap of faith and going on the Bachelorette. And I go on the Bachelorette and I get off the Bachelorette and I don't know what's going to happen. And, you know, things turned out well and I started getting these brand deals for, like, you know, teeth whiteners and weighted blankets and gummy vitamins. And I'm like, shit, this is, you know, this is cool. Like, I'm getting paid to do this stuff. Well, it was the next year and you know how they move through seasons really quickly. Hannah Brown is the next Bachelorette and Tyler Cameron's on the show. And Tyler Cameron is taller than me, better looking than me, and more fit than me and all the things, right? And him and I get off the show, we become good buddies. Well, I had gotten a. It was a Colgate deal before Tyler. Tyler got off the show and Tyler got a Colgate deal. And Tyler also had more followers than me and more relevancy because he just came on the show.
- [06:53]
If you are still listening to this podcast episode, it's probably because your social content isn't hitting the sales goals that you Know that you're capable of achieving. It just doesn't feel easy. You're likely frustrated because while sales are happening for you, they aren't growing at the level you know they could be. You see others in your niche skyrocketing and you're wondering why your sales aren't reflecting the brilliance that you bring to the table. And let's just be honest, not from a place of comparison, but from a place of clarity. You know you have more expertise than most people in your space. You know the transformation you provide is second to none. So why aren't more people buying your offers after consuming your content? Nine times out of ten, the problem isn't your pricing or your offer. It's a gap in your messaging. The way you communicate with your audience is the difference between ideal clients buying from you every single day or your sales remaining static for months. The truth is, when you learn how to shift and refine your messaging, you'll have clients reaching out to work with you directly from the content you're already creating without needing constant sales calls, posting every day, or chasing after the next viral trend. This is exactly what I cover inside the Brand accelerator, which you get lifetime access to, helping you turn your content into a magnet for your ideal clients so your sales can finally reflect the expertise and transformation you offer. Let's turn your messaging into a powerful sales and brand visibility tool. Ready to get started? You can join me@juliesolomon.net TBA and I.
- [08:47]
Said to myself, this isn't good. This isn't good that his rate is now one and a half times mine. The only thing that differentiates us is our timing on the show and what success the show has with ratings that then connects to following. And of course the other things I mentioned. I better quickly find a way to differentiate. Otherwise every year this is going to keep happening until there is no opportunity left. And so I thought long and hard was like, what can I do that can differentiate? And that's the cool thing about social media is you can beta test anything with a focus group instantly for free. And then you also get information back from these individuals along with statistics that help understand where engagement is. So then you can kind of navigate your course. And it was early 2020 and I'd already been starting to dabble with financial tutorials and stuff. But it was when Covid hit market is getting crushed. S&P 500 is absolutely decimated. And I just went on my Instagram and I was like, listen, be real with me. Be Honest. S&P 500 is on literally every single TV station and every article you read anywhere you go. S P 500 tanking. Can you honestly tell me what s P 500 is? In three, four sentences? And over two hundred and fifty, zero zero zero people responded, and 91 of them said, no. And right there, I was like, aha, I have something here. And I stepped into it hard while still flirting and touching the other areas of my life that my audience wanted to see. And I call it like a 50, 50 split. 50 of my stuff is the niche. 50% of it are the other things that keep people interested. And that's when things started to shift. And all of a sudden, I got a deal with TurboTax and QuickBooks and a couple banking apps and a couple investing apps. And it was that time I said, hey, it doesn't matter who the next Bachelor is or who the next lead is. They're not going to be able to take this audience and explain the difference between an LLC and an S corp. They're not going to be able to talk about different tax strategies, investing strategies, and things that we could do today to eliminate our debt. And I said, this is how I can differentiate myself while still staying connected to the space I'm in and keep people interested. And that was in 2020. In 2024. All of that has built itself in so many different directions and has allowed me to differentiate and pivot from what the bachelor franchise did for my original boost.
- [11:13]
Julie Solomon
Oh, that's so, so good. And I want to break this down because to, you know, I would be confident in saying that you didn't get your book deals because you were on bachelor Nation. You got your book deals because you made that decision in 2020 to go all in and to become known as a great resource for what you talk about as it revolves around financing you. You know, there were so many opportunities that you were able to make from yourself, and I think that that's probably the perception that someone may be like, well, you know, he had this platform, so he gets all these opportunities. It's like, no, no, no, no, no. The platform might have gotten. He has to have the expertise, the wisdom, the resilience, the drive to actually keep that door open and to open new doors for himself. And so I would love for you to kind of break down. You know, you had this idea of, do people actually know about this? Now I can be a resource for it. How were you able to dance between that 50, 50? Because that's a question that I get a lot is like, how do I pivot and if I've got multiple different types of audiences or people coming to me and maybe they know for different things or maybe I. I used to be in this career and I'm trying to pivot to this career, but I have this audience and I don't know if they're going to re. Relate. How were you able to find the balance in. In being able to kind of dance on both of those lanes, so to speak?
- [12:37]
Jason Tartek
Yeah, it's a really, really good question. And I think when I look at my income sources on social media, my number one income source of all the social media that's out there is derived from my. My Jason Underscore Tartick page on Instagram. I say it like that because we have several pages, so I wanted to treat that very delicately. But I also wanted to build a community within the personal finance and career navigation space. So I was like, okay, I have to transfer the people that are really interested in to another page. So then I can do this every day nonstop. Because if I go on my social media page with just my personal brand, which is tied to Bachelor Nation following, and just hammer them with finance content, I'm going to lose engagement and I'm going to lose my followers. And that is a huge source of income for me, especially at the time when, you know, I had lost my banking job. So I transitioned them to a page called Restart Consulting. The reason I called it Restart was because when I was put in the position with my former employer to either leave the company or stay, the word they use was restart. You can either restart your company, your. Your brand here at the bank with us and eliminate all social media, or you can go outside the bank. We're forever grateful for what you've done for us, and go restart your career out there. So I called it Restart Consulting, and I started doing that on YouTube and on Instagram. And that connects to a lot of the tips and tricks that you give people is if you have a brand, build a brand. If you know your brand, advocate and make sure that people hear your brand. And so I was just hammering it and hammering it. It was actually because of Restart Consulting and the content I was putting out that a book agent reached out to me. And it was all about the content on Restart. Hey, we think there's something here. You're talking about Restart Consulting. You had to restart your career. You're talking about personal finance. Well, the world is hitting restart right now with this pandemic. Let's do a book deal. And so if I didn't start to carve that niche out. If I didn't start to build that community, if I didn't pivot into that area where I could channel the people that want to be there and then grow it, none of that happens. And so that was a two part book deal with Harper Collins. And then from that, it's just as you know, with brand building, once you start to become known for something within that something, there are so many antennas that other creative people will say, hey, he's doing this. We can do him like this. Or we could have him be a host of this show, or maybe we'll come up with a podcast idea that was all just from advocating the things that I had learned and known about prior to ever stepping into reality tv.
- [15:07]
Julie Solomon
And it's so, so good. And I hope that those of you that are listening, like, there's so many nuggets that he just dropped. The first one that I really picked up on was how he was talking about you. You made that pivot. You, you kind of, I don't want to say drew a line in the sand, but you made two dividends of like, hey, I'm still going to show.
- [15:23]
Jason Tartek
Up for you here, but if you.
- [15:25]
Julie Solomon
Want this, come over here. And because of that, I know that there's a lot of people that would listen to say, like, well, you know, I'm in a, I'm in a niche that's not sexy, or I'm in a niche that's boring. Would a brand really pay me? And it's like, okay. Jason went From Colgate to TurboTax, QuickBooks, all of these niche focused brands that made sense for the financial conversations that we, that he were having. So there's opportunities out there for everyone. I love how you made that distinct decision to separate the two because that's what you needed to do. Some people don't need to do that, but you had the awareness to do that. It worked very, very well for you. And then what you were just talking about with these antennas, would you share more about what you started to learn as you started to dive in more and those kind of antennas were starting to take off for your own brand?
- [16:11]
Jason Tartek
Yeah. I think what I realized in that moment was that your people, you know, the thing is, is it's a lot of people struggle with self promotion. Right. And the problem is, is if you can't nail down who you are and what your brand is, how the hell is someone behind a closed door who's doing, casting or thinking about people going to do it for you? And so I think it is so important that when you're. You're pushing your brand and you're thinking about what you're doing and how you're doing it, you're connecting it to, like, the foundation of building and like your own mission statement. And you're making it so easy so that when the door is closed and a company is thinking about who they want to work with or a production company is thinking about who they want to cast, they can quickly say, jason and two, three words, they understand the brand. And so that's one thing I've really focused on, is what is my brand in three words? And is it crystal clear? And I would tell anyone back at home if they're working on branding, a thought I have is think about someone that you, that you think is just unbelievable at what they do, right? Like who it's a star, I don't know, maybe a Michael Strahan, a Paris Hilton. In three words, you can immediately identify what their brand is. And what I'd say to anyone out there is like, in three words, what would your boss, what would your colleague, what would your partner, what would your mom or dad say your brand is? And if that isn't quickly identifiable, you may have some struggles when other people are looking at you as a resource, to be their outlet for an opportunity. And so with the antennas, it all came from building the brand. Pop culture, finance, money, financial transparency. Pop culture, money, finance, financial transparency. And so those were the things that I kept. Kept drilling home. And it's almost like if you imagine, like you get in a spaceship and you land on moon. Well, once you get to the moon, then you have, like eight more places you can go. You go this way or this way or this way or this way, and then you go off one more time and you land here. That opportunity is going to give you seven more different opportunities. So each new door that you open and that you walk through will then create six more doors that you can open through, and it will continue to build everything you're doing and increase the overall value and not only your value, but your experience, which is huge when it comes to brand building and escalating what you're doing and how you're doing it.
- [18:30]
Julie Solomon
Oh, it's so, so good. I love that. And I love how exactly what you just said is what's needed to then be able to create brand sustainability, which is starting to make offers. Create offers so you can sell things, so you can make money. I mean, that's. That's how it works. We're not just building brands to have cute brands, we're building brands to create impact and make money. So with that, to say, how did you decide what your offers were going to be? Because, like, I know at first you were probably getting brand deals pitched to you coming from the show, but when you started to really streamline into this is my audience, this is what they're missing that I could be of value to, how did you decide what those offers were going to be? Because you've got books, you've got an agency. You know, there's a lot of kind of different things that you do. So what did that look like for you?
- [19:19]
Jason Tartek
Yeah, I think that's a. There's a. There's two moving parts. When you have a following and you're trying to monetize it. I mean, there's a lot of moving parts, but the two big ones are how are you selling into your audience? And then also how are you working B2B with large corporations to do sponsorships and activations that you believe in that can make a sustainable difference in your income? Right now, given engagement and following, it's 2024. I was on the show in 2018, so it's my seventh year of being in this influencing world. And because I was able to navigate and pivot and then continue to drive that brand, right now it's 2024, and my following is at the highest it's ever been, my engagements at the highest it's ever been, and my rate for anything I do is at the highest it's ever been. So as a result of that, my preference has always been, and I'm starting to change this a little bit, but my preference has always been, let me monetize off the big brands and then slowly figure out what the audience wants. And through the beta tests and I've done focus groups with my audience, I'll max out participation at 50. Through really actively combing through comments and DMs, I get an understanding of my following. I've also had a consultant come in and completely break my following up to a T. Like, from what their income threshold is to where they live to what their interests are, their hobbies, where they spend their money, ET So I can identify exactly who is the individual that I am talking to every single day. And so with that comes in everything. It's how I write, in my books, it's how I communicate when I'm on podcasts, it's the guests that I select for my podcast. But at the end of the day, all social media is is one massive beta testing of putting things out and seeing what the results are with our podcast trade secrets. We have now over 169 episodes and I could see the top 25 episodes. I can make correlations to those guests. I can connections to what those conversations were. I could see which tutorials are popping. And so that leads me to then provide the information, the writing, the examples, the metaphors, the analogies that I use in the book when I sell it. And we have a business membership, people pay a monthly fee and the business membership and everything else that we do. So whether it's live events, etc. But my, the largest deal I've ever closed in my entirety of any type of creator work was in 2024. And that was a big partnership with a large bank. And that has come from this slow ladder process of just continuing to build the niche. And something I know that you advocate for, which I think is really cool and I'm sure you've talked about on your podcast is your, your anchor pricing. That anchor every day is going up. And as I continue also to properly manage my money and do the right things, I need less of those big deals. So I could get more, let's say, aggressive with negotiation. I could get more tactful with where I' spending my time. And that's changed the game significantly.
- [22:09]
Julie Solomon
Oh, that's, that's good. And it's, it's so good because what I heard you really say is that it's the data that dictates what you offer, the content you continually create, and how you really message it and market it through books, etc. I think a lot of times people, they don't even give themselves a permission of getting started of like, I'm just going to start doing the podcast so I can get the data so that I then can refine and tweak. And I love that you were saying, like, I can go and look at my top 25 most played, most downloaded podcast episodes and I'm gonna know the through line, I'm gonna know this is what they're interested in. These are the conversations that were happening. And then I can provide more of that information through my own content based on that data. And I think that that's huge. And we talk about that a lot on this podcast. The importance of data, looking at your data, not being terrified of your numbers, not being terrified at seeing what those things are. And just keep the neutrality there because it's just information. The more information that we have, the better decisions that we can make. So with that Said if you will just talk, talk money to me, if you will and share with me a little bit about with that data. You knowing this was your second book that came out this year and you knew that it had to be based on this topic. So what made you want to share the eight essential financial questions that we can actually discuss with our partner and our loved ones in a way that feels really good. And as someone who used to not to talk to her partner at all about finances, I am the ideal person that needs this information today.
- [23:44]
Jason Tartek
We teased it a little bit when you came on Trading Secrets, but you had mentioned that you you were 30 000k in debt, which I want to talk to you a little bit about, but didn't tell your husband. Then you did a 25000 course which actually got a return of a million plus dollars. So that was money well spent. But you're like, I didn't tell him about it. So we'll talk talk money to me. There are eight essential numbers that individuals, whether you're single or relationship, you got to know about your finances. And then eight numbers that you should talk to if you're married, if you're cohabitating, if you're comfortable based on the steps you're in in your relationship. Or you could just start to have these conversations with the people that you love. The problem is when we think money, we weren't taught money. So we all have our natural instincts of what money means and therefore we judge, we red flag, we shame, we blame, and we certainly weaponize. All because we have different perceptions of what it means. And because of all that, it leaves a massive gray area. This gray area then allows us to make our own assumptions instead of having clarity. And we know that those assumptions are having massive, massive issues with relationships, with financial infidelity, with divorce rate, with lack of intimacy. There's so many things, tension in relationships. I could bore you with a million statistics, but we know the gray area of not talking about this stuff is creating massive, massive concern with the healthy relationship. So these eight numbers, how did I come up with them? Well, way back in my banking day, I spent time as an underwriter, so I would look at the numbers that the bank would look at an individual to then assess the financial risk of that individual. And I said to myself, why don't we go back to what the whole system considers high risk and low risk, which will dictate interest rates and approval, the cost of capital, et cetera, and provide these numbers and then explain what they mean to the Consumer. So those eight numbers are actually all derived from the analytics that the biggest and best banks that run the entire country, the entire lending of capital into our system are looking at for their approval. And so that's how I brought those to the forefront.
- [25:49]
Julie Solomon
Okay. So we have to dive in. So I don't know if we can get to all eight, but if you want to share, because now you've, you know which ones that. And I can just kind of give you an idea of. We've got a lot of women that listen to this show. We've got a lot of women that have a really weird relationship with money. They didn't either have a lot of it when they were little or they maybe had some of it and they feel shame about having it. There's a lot of belief systems about money. And so based off of that, what are maybe some of the questions that we can dive into today that you think would be important to, to share with that, with that avatar?
- [26:23]
Jason Tartek
So I think probably the one of the biggest one, especially with your listening audience, would be the where are the accounts? So how many? Literally the question is how many total financial accounts do you have and where is the money? And it gives you a system of outlining where they all are. Now, you don't understand your net worth. You won't understand your debt. You won't understand anything unless you have visibility into it. And just because you have visibility doesn't mean you're managing it. Just because you're seeing your husband or wife's account doesn't mean you have control over it. It just means you have visibility into it. And as a result of that, once a year, two times a year, maybe four times a year, you go back to those accounts, update the balances. Do you have to go through every transaction? No. Do you want to? Sure, go for it. But just have an idea where the money's going. And in general, that number should be increasing. You should be growing. Now, we know with your listening audience ship that women live longer than men, okay? But in households of household income of over 150,000, the percentage of men that are managing the money is significantly higher than the women. So a big wake up call is to say, hey, you guys are outliving us by a long shot and you're continuing to outlive us. And that number and differentiation is growing. When that, you know, it's hard to talk about death, but when it happens, like you got to know where this stuff is, that's your life's work right there. Right? And how Are you going to know it if you don't have visibility? That's, that's a big one. A tip that doesn't connect to a number. But one thing I always suggest is.
- [27:48]
You know my friends, I have to let you know about a new approach to strategy that I have been doing over this last year that has helped so many of my clients this year. It is an approach that involves taking a deep dive into your business, examining every part of it from messaging and offer flow to sales strategies, reviewing your messaging, analyzing your offer suite, refining your sales strategies. We dive into all things like social content, email copy and everything in between. And we really talk about what your offer looks like today and how are we making sure that your offer are your offers and the messaging that you use to sell those offers are talking to each other. And then I dive deep into identifying ways to really amplify your efforts to ensure that not only your public facing messaging and marketing but also all of the invisible behind the scenes strategies that you need in order to scale actually work together. So if this sounds like something that you need help with, it is going to be perfect for you if you are an online educator, an online coach or an online creator who is looking to take your current business model and scale it to new heights. So I am saying for people that may be making, let's say anywhere around 5 to 10 to 15k a month right now, and they're wanting to hit those big numbers, the 20k, the 30k, the 50k, the 100k months, but they're sitting here thinking how do I make this happen? How do I keep seeing other people on the Internet do this? But I can't do this. And it really does come down to those three key things that I mentioned earlier. Your messaging, your offer suite and refining those sales strategies. And that is what is happening in my world. And so if you are interested in learning more about that, I would love for you to go to juliesolomon.net interest there's going to be a quick form there that you can fill out and from there we will see what you've got going on and see what is the best fit for you. I want to make sure to meet you where you are instead of just throwing some kind of random program at you that may not benefit you. So that's what the form is for. It's really quick to fill out. Again, that's Julie Solomon.net interest if you are looking to scale your offers this year, no.
- [29:55]
Prenups are a really tough conversation because people say well, it's. You're completely eliminating any Roman romanticizing or romantic feeling with marriage. But at the end of the day, you have a prenup. It's your state laws. Do you want to modify those state laws to you? And what we also know with all the statistics is if you step into these conversation of where money is, what it looks like and what it might look like if it doesn't work out, which 50% of relationships don't, it actually creates a lot of connection which then will likely increase your romantic life and intimacy. So weirdly enough, talking about these things will increase it. And another one I'll give you is just postnups, right? There are so many women out there that bring so much value to their family and to their loved one because they then have the opportunity, cost of time to go build their businesses or build their professions and they're putting theirs on the back burner to give so much value to their family as a result of that. If things don't work out, the entry level position that you might get given your resume might be a lot less than if you were working. And postnums can help you with that. And the last one, it's the golden number of all numbers. Every person listening here has a net worth, every single one. And it's the only number that instantly changes when you make a decision when you get paid significantly, it changes. When you get paid a dollar, it changes. When you spend four bucks at Starbucks, it changes. So the idea is like, are we going to put a plug on spending on coffee? No. But if you're benchmarking the number one number that means the most more than at all income or expenses or debt, it's net worth. That is the number you need to know your net worth and you need to be tracking it at least four times a year.
- [31:32]
Julie Solomon
Okay, that is good stuff. I want to know from you for those that are listening, because there are a lot in my world, they'll have a lot of women come to my world. And some of them are, they're like, okay, my husband is the breadwinner of the family. He makes the money. However, I want to start contributing in some way. I want to make sure that if he gets hit by a bus tomorrow, like I'm not crap out of luck. And so what is your recommendations for those that even if they've got side hustles, right? Like, even if they're just trying to create their own thing because it brings in something, what would be your recommendation about? Because, because this is the big thing that happens, Jason, with a lot of these women. They've got this dream in this idea. They know that it's not the primary revenue stream in their family unit, but they want to do something. They want to go all in, but their husband doesn't want to, quote, unquote, let them spend the money on that. So what would be your recommendation if there's someone listening that says, you know, I kind of need. It's not that I'm asking my husband for permission, but since he's the primary breadwinner, I don't bring in a lot of income, but I want to kind of go all in on this side hustle. So I need to invest a little bit so I can start making money to then bring back to the family. And even if it's something just like I get to pay for our summer vacations, right? Like, that's just me contributing to the family. What kind of conversation could the wife have to the husband for him to really see that not only just to support her as a loving husband because he wants to support her, but just to see potentially like the financial return on investment that it could do for the family. Family, how does that kind of conversation, how should that go?
- [33:12]
Jason Tartek
So I always think tough conversations like this one that need to be had. There's always something or an example in life in which someone is doing it in a different format, format that we can kind of copy and paste. So this example happens every single day with startup companies. And the founder of Netflix came on my show and said, opm, opm, opm, have other people's money. And so the entire way that he got Netflix up was he took no risk on himself. And he went to all the people that he knew in his network, financially, family offices, etc. And pitched them on why they should invest. And he used all of other people's money. So that's a scenario. We know they've been successful. And imagine if you were someone that invested in Netflix, then now I would say to the wives out there for this specific example, it's like, take a similar approach. You are looking for other people's money. In this case, you're actually looking for probably what is yours, it's ours, but your husband's maybe earned dollars. And so you have to think of the unique pitch to your husband if technically he has the decision making power. One place I would probably start is I would think about all of the value that you're providing that isn't monetizable to an actual number of cash inflow. But is benefiting your significant other's profession or lifestyle. Small things. You're cleaning the house every day. I just had a cleaner today, cost me $220. There's a market value for what you're doing right there, that's 220. If you are cooking dinner five times a week, what is the cost of going out these days? 300 bucks. You're now bringing a $1500 value. I would think about all the dollars and cents that you're bringing to the table based on your actions, your behaviors, the things that you're doing to support and I with that number and I would talk through and be like, listen, I think I'm providing a lot of this value. I don't have dollars earned and I would really appreciate, based on what I contribute to this family, if you could help support me get and see the value that I'm bringing. And hopefully a pitch like that would work. But essentially you got to do what Mark did with Netflix. You got to come up with an idea that's going to work to provide value and show your business case as to why those dollars and cents make sense. Cents. Then you could get, you could really get granular. If you want to get into the legal business and you want to search your state laws about, you know, what is yours and what isn't yours. And if you want to play a little hardball, the money that's earned after you say I do in most states is 50, 50. And if things didn't work out financially, there will be a lot of cash inflow from either child support or alimony. So depends how hard ball you want to play. You could go in soft or hard, but there's always an angle.
- [36:00]
Julie Solomon
And that's probably a, a bigger savings for your husband to say, like, yeah, I'll, I'll support you in investing in, in that coaching program. Instead of like five years later and, and, and months and months of resentment later, it's kind of like, okay, now we're done. And that's going to be a much more expensive exchange.
- [36:15]
Jason Tartek
Julie, my next door neighbor is a family law attorney. Okay, I took out the grass, the trash days out here, wanted to talk and we started talking for a little bit and he said, I'm learning to be my own best friend again. And I was like, oh, what happened? And he told me that his wife after 22 years have left them, but they're not divorced yet. And I said, well, how long you been separated? And he said it's been about a year or so. And you know I don't catch up with him often. So I said, okay, why have you not gone, like, are you going to get divorced? I'm so sorry to hear it? And he said, well, we have an arrangement. I just pay for everything she needs, and then we won't go through the divorce. And I said, okay, you're a family law attorney. I have to assume that's because the divorce in Tennessee would probably cost you much more than what you're spending. He goes literally 10 times more. So just for perspective, there we go.
- [37:03]
Julie Solomon
I think it's about. It's. It's about having the financial understanding, because I love that you map that out of, like, because I do all of this in the home, or because I'm managing all of this with the kids, or because I'm managing your schedule and this and this. It actually sets you up as the primary, you know, person that's. That's bringing in the money in our. In our family to. To be successful. And so there's some equity here. So can I. Can I take some. Some money out of the equity stake that I have in this, in the success of our family to do something.
- [37:34]
Jason Tartek
Like the cost of child care is exorc. You're talking five figures easy for child care. So where is that cash going? That. It's not going there. So I like that. It's like an equity draw on the value that you've already created for the entire family.
- [37:48]
Julie Solomon
Yeah, a million percent. And I think it's just really understanding. It's. In some ways, it's kind of taking the emotion out of it and just getting to the brass tacks of, like, this is. This is the thing. And then I want to use kind of a former version of myself for my. Another question for you. So there was a version of me that used to just not have money conversations with my husband because we have a different. How should I say this, Barometer, if you will. Like, I'm like, take me to Vegas. I'm going to roll the dice. We're going to figure this out. And he's a little bit more conservative when it comes to money and investing and things like that. And so there was a version of me that didn't have the confidence and clarity that I didn't want to hear no from him, and I didn't want to have the conversation, and I didn't want to have to spend all this time catching him up and convincing him of why I wanted to use the money that I wanted to use in a certain way. So I would just do it and not tell him. But I wouldn't recommend that either because that's not really being honest either.
- [38:42]
Jason Tartek
Did you ever get caught or not?
- [38:43]
Oh, yeah.
- [38:44]
Julie Solomon
Yeah. Oh, yeah.
- [38:44]
Jason Tartek
Yeah. How did that go?
- [38:46]
Julie Solomon
Well, it was the best thing that ever happened to me because then it made me really face a lot of demons of, like, why am I, you know, it's an omission, and that's a form of betrayal. So, like, why am I omitting this? Like, it's not about him. It's about something's going on with me that I need to get clear with. So it was a beautiful catalyst for that. But, yeah, I mean, totally, totally got called out on that. And so, so now I'm just. I'm very, very open and honest because I'm. I'm just way more secure in my financial literacy and my financial understanding. But for. For women like that, and I can relate to that. That's just like, I don't want to be told, no, I am not a child. This is not up for discussion. I am doing this. And so, like, I'm either just going to fill you in on what's happening or I'm not going to tell you. What's a better way to have that kind of communication?
- [39:34]
Jason Tartek
Well, I. I think like you said, like, when. When you continue to, like, kick the can or when you, you know, sacrifice the tough conversation for, like, a baby paper cut, inevitably those baby paper cuts are going to add up. They're going to get infected, and it can ruin the entirety of the foundation. So I always think stepping into these things is going to be easier than waiting, just like you said. But I do think there's the whole concept of I don't want to be told no. I think the best way to do that is having a discussion with your significant other to understand what is the relationship with money if your partner is more frugal, more of a saver. There's nothing wrong with a spender or a saver. In this book, I outline benefits, disadvantages, and advantages to both. We always stigmatize spender bad, saver good. Not the case. There's good and bad with both. But I think understanding the disposition of where they're coming from and why they're coming from there to understand the behaviors will allow you to have an easier conversation of positioning in your life. What priorities are that you can use the tool of money for. Right. So your priority of money that creates the most happiness for you might be going on an impulsive trip to Vegas with your three friends. Now, if your significant other puts absolutely no value on that, thinks it's ridiculous and asinine, the problem is you have to have the conversation that his priority, and you want to find out what that is with money, is not the same as yours. And he needs to understand this is what drives happiness for you. And if this is number one, you're also willing to meet them in the middle by reducing your spend on priority number two and maybe eliminating spend priority three. So I think if you go in with a healthy conversation, understand where they're coming from and why, and then prioritize what the tool of money could do for you, it puts you in a better position to have understanding of why you're spending what you're spending on. The last thing I'll say is you can really analyze a lot about your spending. It's almost like therapy. The behaviors that live inside of us actually, a lot of times connect to our wallet. And so what I always tell people, behavioral based budgeting, it's not going through Excel, it's not adding different spending things and figuring out the percentage of your income. Bubba. No, it's literally just scanning where you're spending money on your credit cards and saying, why was that for me? Am I a people pleaser? So I'm just picking up the bill. Am I feeling insecure with who I am in my identity right now? So I have to make up for that with material items. What is it? And I think through actually those behaviors, you could learn more about yourself, which will actually make some of these conversations easier.
- [42:09]
Julie Solomon
Oh, that's so good. Okay, so talk money to me, the eight essential financial questions to discuss with your partner. We are going to make sure to have this also in the show notes. But, Jason, where can we get this book, like yesterday?
- [42:23]
Jason Tartek
Yeah, so it's on Amazon right now. You know, this books are a pain to write, but they're so much fun to write and they're even harder to record. So there is an audible recording that I did myself, so you can check that out. The paperback is available. The hardback hardcover is available on Amazon. You can get on Target, Barnes and Noble, or my website, Jason tardick.com But if you put in Google Talk Money to me or Amazon, you could have it at your doorstep tomorrow.
- [42:49]
Julie Solomon
Beautiful. Thank you for that. We're going to make sure that that's in the show notes. So for our podcast listeners out there.
- [42:55]
Jason Tartek
Which there are a lot of them.
- [42:56]
Julie Solomon
That want to just continue to extend this conversation on money, finances, how to make money, how to save money, how to invest money, how to grow money, how to have a better relationship with money. I know that you hit so many of those things on both of your podcasts, so can we share a little bit about those and what to expect on those as well?
- [43:14]
Jason Tartek
Yeah. So the podcast is called Trading Secrets and kind of what we talked about earlier. This connects. How do I make finance fun? Finance sucks. Like it's boring. Like it's not exciting. But how do we make making exciting? Well, I'm always curious. I noticed at a young age I was. I was like, I wonder how much that cost or how much did that person make? And through that, I wasn't learning to benchmark them or put them in a societal category. I just wanted to learn. I was exploring my curiosity through money. So with the podcast, what we've done is like pop culture meets money. People with influence, public figures, people we see on shows, people we look up to through their journeys, where they made money, where they lost money, how they negotiated, what side businesses they're in. I think the transparency of those dollars, we can learn a lot. So it's education through financial transparency by connecting pop culture, things we're interested in, and knowing the lessons and stories that go with that. But the thesis of pretty much the podcast and everything I do is that we weren't taught the subject of money in school and that we also were taught to talk about it is icky, sticky. There's a stigma. We should just keep. Keep quiet. And I have a true belief that if it's done in a healthy, productive manner, everyone can benefit from understanding where we're making money, how much money we're making, where we're spending money, where we're saving money. As consumers, I think we'll be in a better place as earners, I think we'll have more earning power. And in our relationships, if we're on the same page, I think we're going to live healthier relationships. So that's like the overall thesis behind the podcast, behind my content, behind anything that I'm any speaker events. I'm. I'm executing my. My content collaborations with big brands, the books, et cetera.
- [44:56]
Julie Solomon
Beautiful. And I know that so many of the brilliant minds that listen to this podcast, the women and the men that listen, but especially the women, because I've had so many financial conversations with them, would benefit so much from your book and from listening to your podcast as well. So we're going to make sure to have that in the show notes, too. And before we wrap up today, I would love Jason if you would just leave us, us, based on your journey of not only stepping into your own entrepreneurial endeavors, but really just finding this fun relationship with finances, what would be the one biggest takeaway that you would have for our listener who maybe can't see that that's even possible right now, but wants to flirt with that idea? They want to have more fun with them with their money. They want money to come more easily to them, and they want to just really see how it can benefit and change their life for the better.
- [45:47]
Jason Tartek
I think there's two things. I think, one, start having fun with money conversations. We are so quick. And the second thing is, is connected to this. We are so quick to judge. You have a bad, bad credit score, you're bad. You spend too much, you're bad. Try to eliminate all these stigmas and have fun with money. So I would say if you're married or you're starting to date or whatever it might be, you're single and you just want to talk to someone you care about, about, just ask them a question. Like, and there's fun questions you could ask. Like, I think one would be a good one. You win $100,000 today, you got to spend every dollar in 24 hours. How exactly are you spending it? Another fun one to ask is, all right, let's be real with each other. Let's be. Let's take a little ownership. What's one thing, you know, you spend too much money on? But unless, like, you go broke, you're not going to stop doing that, right? So there's different ways. And like, I'm saying that question and like, you smiled right there, there. And when I usually ask that question, people smile because they, like, laugh like, shit, I spent too much on Botox or whatever it might be. And so there's funny things with it. But also through that, you can learn, like, okay, that's clearly a priority. And, you know, you overspend. You kind of feel a little shame around that, but it makes you happy. So as a partner to you, I'm going to make sure when you do spend like that, I'm not going to shame you anymore because you don't need to feel that way. Or if you have $100,000 and the first thing you think about is, I'm taking, you know, I'm taking my husband and we're going to go on a private jet to Las Vegas and go have fun. I now instantly know experiential is more than material to you. And so that helps me learn. So I think Start to have fun with money. And the last thing is, if you are ever showing any form of vulnerability when it comes to money and someone is judging you, instantly stop them in their tracks and instantly create a boundary because it's unacceptable. And as you know, healthy people accept healthy boundaries. Boundaries. But when we blame shame, weaponize anything with money, you are putting someone in a position to hide everything. And we know the detriment of hiding is significant. So create those boundaries. I know people with awful credit scores that are worth over a hundred million dollars. And I know people that are crushed with debt, crushed with debt that are on their way to be worth billionaires. Right? Just because we see or hear one thing about someone's financial portfolio does not dictate who they are. And with finances, there is nothing easier to identify a red flag and then put solutions in place and see the fastest turnaround. It's faster than cleaning your nutrition or working out or anything else you could do. If you just identify it and put solutions in place, you will see immediate results. So let's not shame it, let's actually talk about it and address it.
- [48:21]
Julie Solomon
Oh, so beautiful. Thank you so much, Jason, you're just so good at this and I just, I love the way that you just articulated that so beautifully as a send off for our listeners today. So as always everybody, if you had any light bulb moments, any aha moments, maybe just some moments of like release, like just that guilt release, that shame release based off of what Jason shared today, please screenshot today's episode. Tag me and Jason in it. We want to know what those biggest takeaways were. We want to know if it just gave you any sense of serenity or confidence and how you're going to start showing up and really embracing your relationship with your money. So make sure to do that. Jason, where can we find you on Instagram?
- [49:02]
Jason Tartek
Yes, Julie, thank you so much for having me. I really appreciate this. On Instagram, my tag is just Jason Underscore Tartek T A R T I C k. I'm on LinkedIn, I'm on Twitter, I am on Threads and Tick Tock, all the above. And then the podcast is Trading Secrets Podcast. You can find that on YouTube or anywhere you find your podcast. Two books are the Restart Roadmap and Talk Money to Me. And yeah, I really appreciate you having me on.
- [49:25]
Julie Solomon
Julie, thank you for sharing all of this wisdom. We so appreciate it as well.
- [49:30]
Jason Tartek
Awesome. Thank you so much.
- [49:34]
Julie Solomon
As always, thank.
- [49:35]
Jason Tartek
You so much for joining me today and every week here on the Influencer podcast. If you're wanting to dive deeper into the topics and discussions that we have here, I would encourage you to head over to juliesolomon.net and sign up for my weekly newsletter. It is in our amazing newsletter community that we are able to really support you on a much larger scale. And I love to do a ton of amazing things that I send inside your inbox every single week. So just head over to juliesolomon.net, you'll see a little spot there that you can add your information in and you will get on the list and start receiving all of that good stuff.