AoL 002: Don’t Let Your Past Dictate Your Future with Trin A’Marti

This week’s episode puts a spotlight on one of the friends of the show: Katrina A’Marti. In the future, Katrina (aka Trin) will be helping us with the topic editions of the podcast. In the meantime, though, we thought we’d introduce her as a fellow student of entrepreneurship.

Like so many other solopreneurs and people trying to find their passion, she stumbled into the world of business. Also like many of us, she did so because she wasn’t fully appreciated in the day job world.

In this session, Trin discusses her background and how she got to where she is today. Part of that being the constant love-hate relationship she has with her culture. She offers a few insights into how she stays motivated and who and what she calls her biggest motivators.

You’ll also hear what she’s looking forward to achieving in her new business Meaning & Co. (which at the time of this recording was called ThoughtWhisper).

Do you have issues with leaving the 9 to 5 world? Are you worried about others will think of you if you started your own thing? Take a listen to what Trin has to say. I guarantee you’ll be inspired.


  • How she could have easily hid from who she is by letting her Asian culture conform her.
  • What were the important influencers that got her started down her path of self-development.
  • What therapy has done for her and her career.
  • How she’s managed to keep her inner hippy happy.
  • and much more!

Right click here and save-as to download this episode to your computer.



The last question “What Does Success Mean To You” was stolen from the School of Greatness Podcast. The reason we include it is because it’s interesting to see what success means to people at various levels in their career – not just at the top.

What does success mean to you? Let us know in the comments below!

Thanks for Listening!

Thanks so much for joining me again this week. Have some feedback you’d like to share? Leave a note in the comment section below!

If you enjoyed this episode, please share it using the social media buttons you see at the top of the post.

Also, please leave an honest review for The AoL Podcast on iTunes! Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and we read each and every one of them.

If you have any questions feel free to email them over via the email mentioned in the show or by our contact form.

And finally, don’t forget to subscribe to the show on iTunes and Stitcher. It’s absolutely free to do so.

A huge thank-you to you guys for joining us as we embark on this journey.


AoL 001: Intro to the Team and Defining Millennials

In this first session of the Angles of Lattitude Podcast, we talk about the makeup of the podcast team and just go through a basic exploration of what it means to be a Millennial in 2015.

When we were putting this session together, we asked ourselves this question: What sort of ideas can we bring to our audience that will inspire them to break through any negative thoughts. What examples can we bring that will help them take actions on their dreams and ideas.

There’s plenty of material here in regards to how we look at the world and how we’re specifically planning on making an impact.

We look forward to having you with us each session.

Ready? Let’s get things started!


  • A little bit about your hosts and why they started the AoL podcast.
  • What it means to be an older millennial (like JC and Brian) vs a younger millennial (like Jon).
  • Why we group them the way we do.
  • What their differences are in approaching entrepreneurship.
  • and much more!

Right click here and save-as to download this episode to your computer.



The spelling of Angles of Lattitude Podcast is definitely on purpose. On one hand, Latitude is a measurement of how far North or South you are, but it also means “scope for freedom of action or thought”. On the other hand, the term attitude is defined as “a settled way of thinking or feeling about someone or something, typically one that is reflected in a person’s behavior”.

So, if you throw that all together, you get something like: We want to help our audience discover other people and ideas which might make them a better person due to their improved outlook.

Final Product: We help you find awesome people and ideas to help you improve on yourself with.

Thanks for Listening!

Thanks so much for joining me again this week. Have some feedback you’d like to share? Leave a note in the comment section below!

If you enjoyed this episode, please share it using the social media buttons you see at the bottom of the post.

Also, please leave an honest review for The AoL Podcast on iTunes! Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and we read each and every one of them.

If you have any questions feel free to email them over via the email mentioned in the show or by our contact form.

And finally, don’t forget to subscribe to the show on iTunes and Stitcher. It’s absolutely free to do so.

A huge thank-you to you guys for joining us as we embark on this journey.


A 10 Point Financial Survival Guide for Your 20s

It’s been said time and time again that we Millennials don’t appreciate the value of hard work. That we’re good for nothing deadbeats who don’t have any goals or ambitions.

If I felt that were true, then I wouldn’t have started New Inceptions. However, I know that there are many of us who are doing great things, but due to our focus on those great things, we start losing perspective in other areas of our life.

One of the things I believe that many of us don’t get the chance to focus on is finances. I know I didn’t know how to handle most of my finances until after my mom passed. It was because I suddenly had my inheritance that I was like “whoa, I need to figure out what I’m to do with these funds!”

So, now that it’s been a few years of managing assets, I feel that I should share with you some of the things that I did that have helped me keep above water.

Things I wish I would have Done in My 20s

1. Educate myself more about how long term investing works with day to day expenses. You know, I talk all the time about how I started paying attention to finances when I was in high school. And later in my early 20’s, I read Rich Dad Poor Dad series of books. But the truth is, the stuff I learned about finances is so out there from your day to day issues, that I started living for the future and not really paying attention to money planning that would benefit me in the nearer term.

For example, until 2011, I had no idea what IRAs (Roth or traditional), mutual funds, and annuities were or how they worked. I had no idea what index funds were and why I might like those more than mutual funds. No idea. I had no idea what I could be taxed on until I was actually taxed on it. Common Stock vs Preferred Stock? Distributions? Not a clue.

However, I have found some resources that have helped me get a better grip on where I am and what I’m looking to do, and I believe you’d get plenty out of them yourself.

Radio and TV:

  • Dave Ramsey Show (Start here if possible! Kinda all over the board.)
  • Suze Orman (She can be pretty truthful at times. However, you can tell she has passion!)



2. Build a Line of Credit

If you’re worried about taking on debt as a 20 something, that’s fine. Especially if you’re in college and don’t have a way to pay pack a huge debt that you can easily rack up on credit cards. That said, you need to realize that eventually you’re going to probably want to get a mortgage for a house. Let me tell you this can be a problem, even if you’re willing to put in 50% of the down payment. Any credit card will do nicely for this. Personally, I recommend something with a $1000 limit so that you don’t get tempted to use money that’s not yours on that new TV or wardrobe.

3. Start Tracking My Credit Score

If you’re going to start a credit card, you need to keep track of your credit score. The easiest way I’ve found to do this is by using a free service, but many times you’ll find out that they somehow start charging you on a monthly basis if they ask for a credit card or bank account. The best way to do that is through one of the three credit bureaus such as Equifax.

4. Start Watching My Identity

There are tons of ways that a person’s identity could be stolen today. So when you do use a card, you should probably figure out a way to put monitors up for your own piece of mind. Personally, I have two subscriptions. I use LifeLock AND Equifax to monitor my identity. I would think that LifeLock is good enough (there’s different plans available – I think mine is $100 a year?), but Equifax and the other credit bureaus have the ability to actually do something about your credit while LifeLock just monitors.

Even if you don’t get a service like LifeLock, I recommend checking your credit score at least once a year.

5. Start a retirement account.

Many people think that the word retirement refers to an age. To me, retirement doesn’t take an age. It takes an amount of money. It is the point where you no longer have to work to support yourself. Am I to that point? No. I don’t know if I ever will be. However, that doesn’t keep me from investing. The sooner, the better. In Tony Robbins book, he says, “You have to commit a certain percentage of your income to savings for your financial freedom. Whatever that number is — 10%, 15% — stick to it in good times and bad. Have it taken automatically from your paycheck and put directly into a retirement or savings account.” He says that if start doing this from your 30’s or especially your 20’s, you’ll live comfortably just as you hit your mid 50s.

In other words, it’s better to own a piece of Apple then it is to own the newest Apple phone. Personally for me, as I’m writing this, the one stock I do have is in Tesla and currently it’s up from where I bought it at $189/share to roughly $280/share. I also have a couple annuities, a mutual fund, and ownership in a couple of businesses, and some other odds and ends. Make money work for you sooner than later.

6. Start an emergency fund.

Even if you happen to strike it rich in your 20’s through your first job, you need to save some of that money. Always pay yourself first. Yes, I’d recommend starting to invest some of that, but you also need to keep some of it relatively free just in case. I mean, let’s face it – stuff happens! Instead of taking on more debt to pay for an accident with your car or first house, you’ll be able to pull from this emergency fund. I’d say make it a goal to set aside $1000 as a good starter amount. As you get older, you can increase it to better suit your needs.

7. Make a Plan to pay off Student Loans.

Currently, most of us who go to college do so partially thanks to Fannie Mae and friends. So make it a goal to start eating this elephant one bite at a time as soon as you get the previous items knocked out. First and foremost, get to the ones that have variable interest rates. You never know when the government will jack these up. After than, start looking at your federally backed loans. While the smaller per month payments might sound more manageable, in the long run you’re actually paying more through the interest. If you’re single and working, now’s a great a time as any to get started on repaying your loans. Get them knocked out before you start trying to do anything else in life such as starting a family or buying a house. I’d recommend using 10% of your paycheck towards paying them off.

8. Hustle Everyday (or at least every other day)

I was just listening to a podcast of Lewis Howe’s where he interviewed Kimberly Guilfoyle. Besides the fact that she’s a ball of fire (and if you listen to the interview, it’s easy to see why), she also has hustled most of her life. I mean, wow. Her track record is totally impressive. One part of the interview that stuck with me was when she was talking about when she was in school that she not only was a full time student getting a 4.0, she was also doing an internship at the local DA AND was manager in retail. I mean, that’s like… super hard. Being a student getting good grades was hard enough, let alone adding two other completely different roles on top of that!

Obviously, this shows that she hustled. She didn’t want to have loans when she was done. But it’s not like she did anything special. You can have her results too. Maybe instead of taking a non-paying internship, you can pick up something part time? Or if you already do work part time, perhaps you can pick something else up? Maybe be a tutor if you’re a upperclassman? Or if you’ve already graduated and are working in your first job, maybe the best thing you could do is start your first official business?

The point is, don’t put all your eggs in one basket. You never know what’s going to fall out the bottom.

9. Become a Picker

One of my favorite shows that I’ve been watching for a few years now is American Pickers. I started watching because of the old junk that they found and found value in – I inherited plenty and have a curiosity about it. Anymore, however, I’ve been watching to see how they start their negotiating with the people that they buy from. If you think about it, negotiation is something that those who are highly successful in business deals know how to do. Also, if you’re familiar with the movie Erin Brokovich, you’ll remember this clip. Needless to say, if you can learn to make a strong case to get something you desire, you’ll have the world by the horns.

10. Set Long Term Goals

Even though I read Rich Dad Poor Dad in my early college years, I never truly set any goals from reading it. I think if I had, I would probably be in a different financial situation than I am now. I’ve recently come to the conclusion that when it comes to goals, you definitely need a destination. However, I don’t know if the steps are nearly as important as everyone eludes to. If you don’t take part in the journey, it doesn’t matter where your destination is, you’ll never get there. Right?

If this is the case, it makes sense that we should be able to vividly describe what our ideal goals are. Where are you? Who are you with? What are you doing? These are all things that I think you should think about as you’re on your journey. That end might change a little here and there, but you’ll be much better off for doing it than if you had not.

Whatever your goals are, write them down and start working on them asap.

Can you think of any other financial goals a 20-something should do? Share them below in the comments!

Millennials as Entrepreneurs, Part 1 of 10: Huge Expectation for Life

This is the first of ten installments on why Millennials (and some Gen Xers) Have Great Potential in Being Entrepreneurs. In it, I will be discussing why many members of Generation Y shouldn’t be looking for any old job. Instead, they should be searching inside themselves for the answers to how they’re going to make a living as well as finding their purpose.

So a little introduction of why I’m starting this series…

I recently found an article in Forbes about what the millennials want in the workplace. It’s funny, but as a hybrid between Generation Y and X, I don’t see why X has so much angst for the Millennials. Yes, they’re different. But is that such a bad thing?

I found these numbers about Millennials from the article to be even more interesting:

  • 64% of them say it’s a priority for them to make the world a better place.
  • 72% would like to be their own boss. But if they do have to work for a boss, 79% of them would want that boss to serve more as a coach or mentor.
  • 88% prefer a collaborative work-culture rather than a competitive one.
  • 74% want flexible work schedules.

Now, current employers are going to scream and carry on that these numbers are crazy and down right scary. Why wouldn’t they? They might have owned a successful business for 10+ years and wonder why an established company needs to bend.

Well, that might be true. But as we all know, change is always immanent.

The thing is that millennials, as the article mentions, are going to be 40% of the workforce after 2020. That means that they’re going to be a huge part of the working force (possibly even a controlling segment??). That being said, their collective voice does matter. If the wealthiest business leaders are already doing this, then most businesses should and will follow suit. Otherwise they might find themselves low on workforce.

That said, who’s better at catering to millennials than those who understand them – other millennials?

Can You Really Blame Them?

Unlike previous generations who value hard work and sacrifice, millennials don’t necessarily feel the same way. They want lifestyle vs expensive items.

Or so we’ve been told. In an article by Ben Carlson at, he explains that we have the same habits as our parents and grandparents. It’s just that we haven’t started our lives as early as they did. That makes sense, so many of us go to college anymore… and then play around for a couple of years.

But I don’t think that’s the only cause for the delay. I think that many of us want to be better at life then our parents or grandparents. We want to build on the foundations that they’ve given us. And why not? Hasn’t that been their goal?

Many Role Models

Us millennials have grown up with TV, movies, music, and sports as being the main things discussed about in culture. Few of us pay attention to world news and even fewer of us can picture what it would be like to not have media in our lives.  In the hierarchy of needs, I’d say that a lot of us haven’t had to ever struggle with the bottom tiers. We’ve been blessed to have the ability to look constantly at life and wonder how we’re going to be the next Brad Pitt, Eminem, or the next Peyton Manning.

Unfortunately, working a traditional 9 to 5 probably won’t let us get to that level. That’s why the above mentioned numbers are so huge. We can’t relate to just having a steady paycheck – even though that’s something that our grandparents aspired to have and made sure our parents saw the white picket fence as something worth chasing.

Nope. Each and every one of us millennials has a little rock star in us that is eventually going to want to come out.

It’s not OUR Fault! Our Parents Spoiled Us!

We’ve been programmed by society to think how we’re going to be the next celebrity. Many of us didn’t consider answering the question what do you want to be when you grow up with the answers Fireman, policeman, lawyer, doctor, etc. like our parents. We didn’t even know what we wanted to be until later in life when we were forced to pick a major in college. Hell, even then I don’t know how many of us really knew! We just wanted to succeed. And how did we succeed?

By doing what our parents told us to do… Get good grades, go to college, get a good job and have a family! 

But… but… that’s not part of me being the next Bam Margera,” your inner self protested as you followed the status quo.

End result? Now you have all of us who have gone through college seeking jobs that will allow us to be rock stars. Cause in our subconscious… that’s what we’re supposed to be doing.

So it’s not so much that we’re spoiled per say, it’s more along the lines that we’ve been influenced by old advice that our parents got from their parents (check out Generation Zero about that and more) and pop culture to an extreme. We’re to value the things that celebrities have but obtain them by how mom and dad obtained a house and white picket fence. There’s a huge disconnect there. No doubt, we’re all about the Me.

But what can we do about it now? Are we really naive enough to think asking corporations to treat us all as individual rock stars is really feasible? That each of us deserves $15 as minimum wage working at Micky D’s? Jobs that are typically reserved for teenagers??

Lol. When you really think about it doesn’t make sense.

We don’t fit the mold of the traditional employee. I mean, when you think of celebrities – do you really think of them as a typical employee or more of a freelancer?

The Chase of the Letter A

Those of us who have done what our parents wanted have probably gone to school and excelled. (Don’t worry if you didn’t – there’s good news coming up.) We have done the work that is necessary to get Good Grades. We also probably know what it’s like to not get good grades.

I remember the first time I got a C worth remembering. It was my first semester at Purdue. School had always come easy for me. I studied very little to be an A/B Honor Roll student in high school. By the time I got to Purdue, I didn’t even KNOW how to study.

Well, there I was in a remedial class doing algebra – a high school course. Day after day went by and I got Cs and Bs on my quizzes. As on my homework. Being one who never kept score of my progress, I thought I had it in the bag to get a B for the semester. Well, finals came and before I knew it – I was done with my first semester at school. I checked my grades the following week and… there was the proof the crappy semester I had had. 1 B, 3 C’s, and a D.

Omg, I didn’t know what to do. As far as I knew, I had put in the work and did as well as I thought I ever had done. Well, little did I know I was doing less than mediocre. I had to improve… and I eventually did.

The good news is that you can eventually learn to play the game. Just stick with it long enough.


The point of that story is that many of us don’t know that we’re living mediocre lives. We’re doing the status quo and expecting that it will get us the results we’re looking for. But if we’re following a plan that is outdated, how do we even know that it’s going to get us where we want to be? Hell, like me and “studying”, you probably don’t even know the plan of Getting good grades… is outdated.

The thing is that we live in a world where we’re really all a bunch of freelancers. Those of us who have been employees know that we’re going to go from job to job to job in our career. The days of hanging our hat in one place are over. The game has changed.

Sadly, many of us still seek the shelter of our employers with that W2 instead of going for the 1099. But when we opt for the W2, we’re telling the employer that we’re not his equal. That we are a servant. We’re selling our time for money. We’re playing the old game.

Whereas a 1099 could signal that you’re an equal.

A W2 tells the employer that you need him. Whereas as a freelancer (or consultant) you’re prepared to move if needed and you don’t mind having the responsibility of taxes. One less thing he needs to worry about.

Being an employee is using an old plan… and it’s going to get you a C in life. Being a freelancer, consultant, or other type of business owner gives you the opportunity to get an A. But like studying super long hours in college to get the A, being a freelancer comes with extra responsibility.

So it’s really up to us in whether or not we want the potential for a C life or an A life.

Which would you rather have? Your parents old desk job that they slaved away at for years or your self defined dream gig? Which one would you prefer to work towards?


So real quick, what are your initial thoughts of millennials having huge plans for their life? Did you have any yourself? I know you wanted to be something (even if it was an astronaut or fire fighter) that some might consider a stretch.

Share what you thought (as a high school or college student) you were going to be if everything went your way in life by leaving a comment below. Did you arrive there?

By the way, stay tuned next week when we explore Part 2 of the series: Millennials as Trend Setters.