In this episode, I have the opportunity to speak with someone who demonstrates true grit to make a whole life. Grant Everybody welcome to another episode of Financial investing radios. So today I have with me, someone who is more than what you might think she is an expert on whole life. But do you really know what whole life is? She's going to help us to understand what that means. I'd like to welcome Svetlana. Svetlana Thank you so much. It's such a great joy to be here with you and sharing this space. Thank you for having me. Grant Oh, it's so good to have you here. So I had this opportunity to interview your wonderful husband twice. He's so gracious with his time. He's really skilled in the financial markets. I've even gone through a whole bunch of his courses and applied those. And so it's been I'm a Jeremy Newsome fan. Yeah, yeah. Yeah. And and while I was talking with him, he said, Hey, have you thought about interviewing my wife? And I'm like, Well, what is she talking about? And says, well, she talks about whole life. And I'm thinking well, yeah, whole life such a critical part of life, no doubt. But let's back up set. Svetlana, would you tell us a bit about your origin story where it all started? And how you got into this business? Svetlana Absolutely. Yes. So I'm originally from Kazakhstan. And I moved to America at 19, turning 20 with big American dream as the $100 in my pocket, and I had an opportunity to come and create opportunities and live here. And it wasn't as easy as I thought it was, right. But it is a beauty of a young person that, you know, be 19 and 20. And so courageous, and so naive in so many ways, making those leaves a lot easier than when we become a little bit older. And we have more things that we start considering. Yeah. And so I was blessed that that time, was that mindset, like, what can happen? I'm just going to go and have all of these dreams come true. Grant I'm just gonna go to America, everything's gonna be fine. Right? Svetlana Exactly, exactly. That was like people are so nice there. And so how cool is the wonderful, and it's really a beautiful way to see the world. And I kind of when I was telling my mother, I will come to America. And in five years, I will have all of my dreams realized, I will have, I will get married and I will have a baby and I will have a beautiful home and nice cars and travels. I will have my papers like all of it. I just kind of described for the life that I created. And I knew like just give me five years, it will take me a lifetime in context and to create those things. Wow. But it'll take me only five years in America. And that is the beauty of an opportunity that exists in this country that most people don't recognize. Because when you're born here, you can't think this is how it is. Grant Yeah, you take it, you take it for granted. I mean, I've traveled the planet for 35 years doing business. You do recognize that when you're in other countries, but it is easy to forget it or not be aware of it. Svetlana Absolutely, absolutely. And so when I came here I was like in a Candyland. Like oh my god I can do all these things like it's so amazing. And to start a business you just go on mine create LLC pays $150 get a business license, build a website and you're ready to go. Right like it's a marvelous back home who do you know who do you pay it on the table? Is it my favorite though because the government like I was just like was so impossible, and it couldn't like believe the ease and I recognize truly that there is only one obstacle, truly one obstacle in us. And it is us in our mind, our mindset. Grant The mindset is the obstacle. Svetlana That's a like there is no actually real worldly obstacles that you have to seriously overcome. And yes, you might have a harder life and different things. And not everyone have the same cards dealt. However, you can I was going to library, right, using the computer in the library, did you write emails and just start doing some things. And I was walking for two years didn't have a car. But that still felt like I'm gonna Candyland. And it was amazing because the hardship that I experienced before in my life. Grant So compared to the hardships that you came from, you looked at this hardship of oh, I have to walk somewhere. Oh, I don't have a computer and in your mind, those weren't showstoppers. Those are just things you're gonna go do because you're pursuing that dream, that vision? Svetlana Yes. And the computer is in the library. And it's on the 20 minute walk. Yeah, I mean, my did it was Las Vegas. 120 degrees in the summer. Still possible was a bottle of water. Grant A bottle of water and maybe a hat or an umbrella. Right. Svetlana Exactly, exactly. And so you know, life started. First couple years were very difficult. And then life started to add folding. And indeed, I got married to this incredible man. And we bought our first home. And we have two BMW in the garage. And we I have a great job. And...