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Now joining no Wrong Choices is the holistic life and wellness coach and former finance executive, jasmine Balali, whose career journey is a unique and wonderful example of the art of the pivot Jasmine, thank you so much for joining us.
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Hi Larry, Thank you for having me here today.
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Of course and you know, jasmine, as we like to do with all of our guests, can you set the stage for us?
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Can you sort of lead us into who you are and what you do and in some ways describe what a holistic life and wellness coach is?
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Of course, I'm a holistic life and wellness coach and what that means is that I help people refine and optimize their minds, bodies and spirits so they can get I guess you could say unstuck from where they're standing and go on to create the lives that they want and think about and dream about and ultimately, to thrive.
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Hey Jasmine, this is Larry Shea.
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Really nice to meet you.
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Thanks for joining us.
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I think Samuels just described that it was the art of the pivot.
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So talk about the early stages, the very beginnings, because I know you had a career and you were on one path and then you shifted to another.
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But let's go back to when you were younger.
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I know you were in finance.
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Is that what you always wanted to do, or did this present itself on your journey?
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Talk to me about what you dreamed about when you were a kid.
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So I'll answer that going backwards.
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When I was a kid, I had lots of different interests and I was interested in everything.
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I was interested in the arts, I was interested in physical activity, sports, and I liked writing and drawing and, most of all, I loved people.
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I loved all different kinds of people and I was the little kid in the neighborhood who went and knocked on everybody's door and said hi and was kind of the family PR person.
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So it wasn't like I was five years old and I thought, oh well, I'm going to have a career in finance.
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Actually, I didn't know what I was going to do for a very long time because I dabbled in a lot of different things.
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So what was that upbringing like then for you?
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So I mean, obviously, as you said, you were the family PR person.
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So what were your parents like that?
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They were so supportive of you being going door to door knocking and saying hello, I'm Jasmine Balali.
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How are you?
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My family experience was rather unique in that my parents were both refugees from communism in Albania and the both of them separately escaped from there.
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They had very treacherous escapes and they each spent separately at least 10 years in various refugee camps and whatnot.
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And then they arrived to Manhattan's Lower East Side the typical immigrant story Typical story.
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right typical immigrant story.
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Exactly when they met.
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And then they married and they thought that it would be better to raise a family across the river in New Jersey where there was green grass and all of that and good public schools and everything.
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So they moved to Hackensack, which is where I was born.
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But I was the first grandchild born on each side of my parents' families, so I had very much of a first generation upbringing in the suburbs.
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Oddly enough, Jasmine, I live in Hackensack, New Jersey.
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Oh, that is so funny Really.
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So maybe this interview was meant to be yeah.
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And you're also the son of immigrants, if I have that correct.
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I am also a child of immigrants.
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Obviously I'm a first generation immigrant myself, or immigrant kid right.
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So it's a little bit different.
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You're familiar with it then.
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It's kind of a bridge experience right.
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We were the only immigrant family in our little neighborhood so we had a very modest upbringing and also that made it very motivating.
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At the same time we had a wonderful neighborhood and the neighbors were lovely, but it also made it very motivating.
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You're kind of the first people that are there, that are foreigners in our little neighborhood.
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So tell me a little bit about the upbringing then for you, because I mean, I'll tell you that you and I probably had a very similar kind of upbringing.
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My family was not the first foreign family in our neighborhood, we were the second.
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But I can understand what you're saying because I was one of very few immigrants in my elementary school.
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Going all the way through high school, I don't think I saw that many kids of other colors, and definitely not many who were like me in my elementary school until much later on, although I would say that my upbringing was diverse in that sense right, I would not say it wasn't diverse.
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But at the same time I understand what you're saying is that that kind of upbringing does become a great motivator for you.
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How was your family influencing you to say, how do they push you to say now it's upon you to kind of build a life here in America and fulfill some of our dreams?
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So I would say that very much in those situations and you're probably aware of that your parents are also living vicariously through the children.
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And then there's a lot of motivation to accomplish and also there's an emphasis on safety and security, right?
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So, as I was exploring my world and playing around with all of the things that I love to do, which was many of them were things like, as I mentioned, they were creative pursuits like drawing and writing and things like that probably not the most, you know, if you fast forward into the future, probably not the things that would have created the most security.
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Right, had the likelihood of creating the most security, but at the same time, because I was motivated, I actually sold.
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I sold Girl Scout cookies, I sold holiday cards door to door In the spring, I sold flower seed plantings and things like that.
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So I had my own little business going on in grade school.
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When I think back and recall that, so I had that aspect of me and I really kind of hang it all up on the people component, I think I just I loved meeting new people, so that that is something that followed me through my school years and then later on we'll get to it to my finance career.
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Yeah, we're a product of our experiences, right?
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So it sounds like you had a little bit of an entrepreneurial spirit, going through your neighborhood there and selling things and doing things like that.
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Were you a good student?
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Because you talk about the arts, but obviously you're smart and you started your own business, etc.
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Was that something that you focused on?
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Were you naturally bright?
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Did you get good grades?
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How did that work?
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My parents' educations were abbreviated because of the circumstances of the war that they went through, and there was always a big emphasis on education in my household.
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But in addition to that, I loved school and I loved learning new things and I was a very good student, and I think part of it was that I liked a lot of different subjects.
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So I would be an art class and there would be people in my art class who really didn't like the academic work but loved the art classes or the creative pursuits, and then, vice versa, there would be people in my academic classes who weren't as creative.
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So it was difficult for me to really narrow down where I was going to make my career.
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So did that allow you to kind of see both things equally, to kind of tap into your artistic brain and tap into your motivation for higher education and things of that nature.
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It allowed you some balance there.
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I felt like my left brain and my right brain were equally capable.
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So it absolutely did.
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It allowed me balance and also I was fairly intuitive, so I felt like that helped me with my creativity.
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Creativity can be seen in different places.
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It's not just putting a painting together or writing something.
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It's how you approach your business or how you cultivate your business.
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So I feel like that was a trait that really helped me.
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I was going to ask were you also musical?
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How did you express that creativity?
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So it's interesting.
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I did love music and for a few years I played the violin, but my expression really went through drawing, writing short stories and also poetry.
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I was writing poetry in grade school.
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I won an award in grade school for one of the best poems.
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They did a little collection of works by the kids in the grade school.
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I wrote a little bit in college that was published of poetry.
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I've had this conversation with my other friends and obviously my other friends growing up, other immigrant kids like myself, other Indian kids like myself.
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The one thing that first generation kids always seem to come up with is that their parents normally want them to go into what I call the big four careers law, medicine, business or engineering.
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So usually, or engineering, those are the big four and usually that's how they really really put that.
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I won't say pressure, but they try to really influence you when you go to college.
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Now, hearing your story growing up, it's not that dissimilar from my own, where, very creative, I was a musician growing up.
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I was something of a small musician growing up and then obviously you were very much involved with the arts.
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So this notion of you wanted to go into business.
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I'm wondering how influential your parents were to say you should go into a career path with a great deal of stability.
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Well, that was really the subtle messaging all along.
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I remember I was in seventh grade and when they had an open house and my parents went in, my English teacher I believe it was my English teacher at the time and my homeroom he was both my English teacher and my homeroom teacher and he said to my parents she should really pursue a writing career.
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And I remember my mother, being their eyes probably bugged out of their heads.
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Being scared by that, because she was the oldest of eight and she had several younger siblings that were very much interested in the arts and it was very challenging for them to really get to a place of stability, so she was afraid of seeing that again.
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She didn't tell me until much afterwards.
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You know there was a subtle messaging that if you were going to go to college and you were going to pay for it, that it should take you somewhere where you felt that you were going to be able to be safe and stable and secure.
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So it wasn't.
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It wasn't overt or anything that they were constantly lecturing about.
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So that was good, but it there was definitely a subtle messaging there.
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It was definitely a nudge Mm-hmm.
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Yeah, so they're steering you in this direction.
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You get to college, ultimately, and is there an epiphany moment where you actively Pursuing trying to figure out what you wanted to do, where we just, hey, I'm in college and see what, see where life takes me?
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so I definitely feel that on my Career trajectory was not a straight line and I didn't know exactly where I was going.
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I was looking to see where it took me.
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But I did take on a business major, but at the same time I had a minor in French and then somewhat in psychology.
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I was really trying to get the best of both, you know, have the business major but also keep my other interests going.
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And you know, the business major was interesting.
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There are some interesting courses but I felt as if I needed the other stuff to really keep me inspired.
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And so I I had a minor in French and it developed into a major because I began to love it so much that I even I went on a semester abroad and Studied in France and I at one point I was even wondering if whether I should go on and pursue a Masters in French, but again it came into the continuing the education, until finally I had an epiphany and I said you know what?
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For now this is pretty good.
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I was enjoying it, having a good time, doing well, and I thought the business major makes me capable of going in a lot of different directions.
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Absolutely.
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I really.
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You know, every arena is has business going on.
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So I felt that it was the broadest way to go.
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And Then I was able to, as long as I kept juggling my other interests enough to keep me satisfied, because I Would not have been Happy with just the business courses.
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I needed to have all of those other things going on at the same time.
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So as long as I was doing that, I was happy and I thought well, as I get closer to the end of this four years, I'll probably have some more clarity.
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So you know, jasmine, I'm curious, before we take the leap into the world of finance, in terms of what you're doing now and what you ultimately got to In college, or by this point, had you begun Exploring meditation and things of like that, things like that, yet, or did that come later on?
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No, unfortunately I did not, and I can share a good story with you plays.
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Junior year I was living off campus and our apartment was upstairs and the upstairs window was very close to the house next door and it looked in into their living room.
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And there must have been they weren't students, maybe they were grad students there must have been a Buddhist group that would meet there, because they would come in once or twice a week with their robes and they would all sit in the living room and I would look out the window and I remember once my roommate, jackie, came over and said what are you looking at?
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And I said Look at this.
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I said what do you think they're doing?
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And and she said well, I don't know that we thought.
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I said they look like Buddhists and she said well, what would Buddhists be doing here?
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And and because you know, when I think back and I think about where my life went and where my interests went, I regret that I never stopped anyone then and asked what they were doing, but I didn't want anyone to know that we were peeping in right but no, I didn't you know, and Meditation wasn't talked about as much, and I didn't do it.
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then I didn't begin meditating until I was Probably I was living in Manhattan, I was in my later 20s already.
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I'd be remiss if I didn't ask you this question which school did you go to?
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I went to Rutgers College in New Brunswick.
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Okay, all right.
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So you spent all your time in Jersey.
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Look at you.
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Yes so you've now spent your time at Rutgers and You're going into the business world.
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So let's say, was your first foray into the business world through an internship or did you just manage to Sign on, to sign on to a firm?
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I Initially started looking for opportunities in the advertising industry because I thought that advertising would be the best mix for both my creative and and organizational and strategic skills and all of that and for some reason they just there weren't as many opportunities.
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So many of the opportunities that we're seeing were coming from the financial services sector and that really pushed me in that direction and I was qualified for them.
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But it wasn't my number one choice.
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But as I learned more about it, it seemed very exciting Wall Street, park Avenue, the markets, lots of action.
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I liked action.
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It seemed like a lot of fun I was Waiting to.
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I just couldn't wait to move to Manhattan because I didn't mention that when I was growing up in Hackensack, new Jersey.
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From the hill in Hackensack you can see the Manhattan skyline.
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Later in the you know exactly what you're saying.
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I live on the hill, yeah, so I grew up with that as the backdrop there and I remember when I was in art class in middle school and high school, I would often draw the skyline.
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You know, I even I even have one of those drawings still of the skyline and I was just mesmerized by it.
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And, as I had mentioned, my parents had moved to New Jersey from the Lower East side, but by this time some of my uncles had I come here and they had we're living in Brooklyn, so my father would drive us to visit them and I can still see myself when we'd be driving over the George Washington Bridge, and then there would be, and I'd be in the car and there was the view of the skyline on the right, and I was always mesmerized.
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By the age of three I Said to myself I'm going there, not I'm going there, and so it was just something that was always in my consciousness.
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And then I became older and I would draw the skyline, and then nothing against New Brunswick, new Jersey.
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But while I was living there for four years, it was always in my mind that I would move to Manhattan.
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And so Eventually that's what happened after college several of my friends and I, we all moved to Manhattan, and you know that's when the next chapter started.
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It's all right, you can.
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You can dump on.
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New Brunswick New.
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Jersey.
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There's not much of a skyline there, right?
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No?
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I can pretty much attest to that one.
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As a lot has a quote-unquote skyline.
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Not much, but there's something there.
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At least it's got a hill.
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Yes, yes, so let's, let's start this chapter.
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So you graduate college.
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You are now, I assume, living in Manhattan.
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You're in your young 20s, probably.
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You start your career in finance.
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What was that like?
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What did you do?
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What is finance is so vast, right, like it could be anything like.
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What exactly did you start doing in that field and did you enjoy it?
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So I Graduate, I'll go back a little bit.
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Yeah.
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I graduate from college and I don't have the job yet.
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So at this point, what?
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yeah, I'm sorry.
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What year are we talking about here?
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Oh, so we're talking about the 80s.
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Okay.
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Yeah.
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So I don't have the job yet and I'm looking for a job and I'm I'm trying to get this job as quickly as I can, because I'm trying to avoid you know what Moving home.
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Right, right, right.
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So I'm trying to get this job and so I'm not really sure exactly what it is that I want to do.
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And an opportunity comes up at Chase Manhattan Bank In the accounting department.
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It was an entry-level position, it was on the professional staff.
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There was a lot of great exposure, great experience and all that, and after one year you were eligible for an internal transfer.
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And what did that open the doors to?
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an opportunity that I came across that felt Intriguing was in the commercial real estate construction lending department.
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Now, I knew nothing about about real estate or commercial real estate, but, tying back into the fact of that skyline, I Thought it was super interesting to be working somewhere where the bank was lending money on Projects that that, as we see today, have created this skyline, these big, tall buildings, and I thought and I appreciated the creativity of someone having had a vision that there would be some type of a building somewhere and then expanding on top of that vision and then basically Creating something that contributed to and re-engineered the skyline.
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So I thought, wow, this seems a heck of a lot more fun than accounting and it's something new that I could learn about.
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And I wound up interviewing and getting that opportunity and then transferring to the commercial real estate division, again in somewhat of an entry level opportunity, which taught me everything that I needed to know about the time, about commercial construction lending, and then I went to at night, I attended NYU's School of Real Estate Finance and took some courses in underwriting and all of that to get a you know, a better idea of what was going on and how to do it, and I was very happy there in that position and I wound up moving up and eventually becoming a vice president in that group until I felt like I needed a change, but never really thinking that that choice of that commercial real estate construction lending, entry-level opportunity was going to be something that actually would form the foundation for my entire career.
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Wow, yeah, and I certainly want to run through that opening that you just presented us with.
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But you know I find an interesting theme here of the, the young girl growing up in Hackensack looking at the New York City skyline and drawing pictures of the skyline and then moving towards the skyline now trying to build the skyline.
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You know the adventure of being in New York City in the 1980s like jumping off the career stuff for just a moment.
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What was that adventure like for you personally, away from the, the professional journey?
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It was fabulous.
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My first apartment was down at Union Square.
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Now, mind you, mind you, my parents had escaped this.
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In addition to escaping the situation in their own countries, they ran away from the Lower East Side, and you know, here I was running back to that's right, yeah, so that's interesting as well.
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But my first apartment was down at Union Square with two friends from college and it was fabulous.
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You know New York was.
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You know people say it was dangerous, but I felt it was extremely creative, I am, and exciting and there was a lot happening in fashion and music and all of that and it from it was a wonderful experience for me.
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I have to ask you about becoming the vice president.
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You were taking classes.
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You were training because you didn't know much about underwriting and lending and things of that nature.
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Do you think you would have been promoted and gotten the opportunities that you that you received had you not been training along the way and taking those classes?
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No, I don't, I think, and there are a few reasons, and I'm glad that you asked that because it also ties into something else which is a little bit tangential.
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But we'll get there.
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I think.
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Number one it gave me a more thorough understanding of what I was doing and it allowed me to take my position to the next level and it also showed my senior colleagues that I was motivated and interested in learning.
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But it by understanding all of that, by taking the extra courses, it helped me in learning more.
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So I don't think that that would have happened, but interestingly I've always been taking lots of courses while I've been living in New York, and lots of different things, and in the same way while I was in banking.
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We'll get there but I began taking lots of courses in wellness and empowerment modalities and mindset techniques and all of that.
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So while I was still in finance, I was already taking courses in the not unknowingly, in the things that would be taking me to my next place.
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Sure, this is where you're planting those seeds and and taking care of the garden, and you didn't know you.
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You were gonna have a big part of this later on in your life.
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No, and and what I think that is, which I've heard from different teachers and I fully embrace now looking back, is that it's so important to you know, while you're doing your job and doing all of your, all of your obligations and everything that you need to do, also continue learning about the things that I'd say hit your radar.
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You know where is your intuition pulling you, what type of things are catching your attention.
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You know, have you, have you twice or three times stopped and thought about that meditation class you saw advertised?
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Or the yoga class or you know whatever it was?
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I did training and positive psychology and integrative hypnosis and things like this.
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But you know where is your attention going, because I feel like we do have intuitive ability that we're really not aware of and we have this internal radar that, if we really let it, it leads us in the right directions.
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And I've seen this in my own life where I've taken courses and things that later on, when I've been in it, I haven't realized as much how important it was and then later on I've realized that it was really great that I followed my inclination to do whatever it was so, with that in mind, let's jump ahead to the role that set you up for what you're doing today so I eventually was picked up by the private bank, which was perfect for me.
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It was perfect.
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It was what I wanted and I was.
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I couldn't have been more excited at the time.
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Our offices were over at 30 Rockefeller Center very nice.
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I used to work there.
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It was very fun going there every day beautiful lobby.
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You know I was still really young.
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It was great it was.
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It was, it was wonderful.
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So after my nine months there, then I went through.
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There was a program where you went through another few months of what they called rotations, a very formal process, and then at the end of your rotations you were matched up with almost like the med school thing.
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At the end of your rotations you were matched up with one of the areas and it could have either been entrepreneurs, which is where I wanted to be, or it would have been corporate executives, where I did not want to be, or it was going to be law firms, so different private bankers targeted different markets.