BiggerPockets Money Podcast - 411: How to “Quiet Quit” Your 9-5 Job and Become a Full-Time Boss

Episode Date: May 15, 2023

While the job of a full-time content creator might seem glamorous from the outside looking in, make no mistake—there’s plenty of work involved, and it’s not always easy to get your business off the ground. Our next guest spent years building up her content creation platform while continuing to work her nine-to-five tech job before she made her first six figures! Welcome back to another episode of the BiggerPockets Money podcast! Today, Scott and Amanda are joined by Gabrielle Judge, a content creator and emerging thought leader for the Gen Z workforce. Gabrielle is helping to usher in the next phase of work-life balance with “quiet quitting”—an oft-misunderstood concept that has less to do with being lazy and much more to do with assessing your return on investment (ROI) at work and creating space for your other goals and passions. Whether you’re interested in content creation or tired of working for “the man,” you won’t want to miss out on all that Gabrielle has to share. She offers a handful of top tips on how to cultivate a side hustle so that it one day becomes a full-time job—including credit card stacking to access a large line of credit for new business ventures, becoming a hard money lender, and using Chat GPT to help you leave your current job and land your next one faster! In This Episode We Cover The real meaning of “quiet quitting” and how to set boundaries at work Growing a side hustle and turning it into your full-time job Viewing yourself as a business and evaluating your ROI at work Credit card stacking to access a large, unsecured line of credit How to become a bank for someone else through hard money lending Leveraging Chat GPT to streamline the job application process and get a bigger paycheck And So Much More! Links from the Show BiggerPockets Money Facebook Group BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Amanda's Instagram Scott's Instagram Grab Scott’s Book, “Set for Life” Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! The Real Estate Rookie Podcast Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets She Wolf of Wall Street Website 10 Tips For Leaving Your 9-5 and Adjusting to Life as an Entrepreneur How to Start a Profitable Side Hustle Start Credit Card Stacking with Fund&Grow Click here to check the full show notes: https://www.biggerpockets.com/blog/money-411 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the Bigger Pockets Money podcast where we interview Gabrielle Judge and talk about quiet quitting, anti-work, TikTok, and leveraging chat GPT. Hello, hello, hello. My name is Scott Trench. And with me today is Amanda Wolfe from the She Wolf of Wall Street, who is going to be a recurring contributor to the Bigger Pock's Money Podcast. Thanks, Scott. I'm excited to join the BP Money Pack. All right. That was good. I love it. Amanda and I are here to make financial independence less scary, less just for somebody else to introduce you to every. money story because we truly believe financial freedom is attainable for everyone, no matter where or when you're starting or what generation you're a part of. So whether you want to retire early and travel the world, go on to make big time investments in assets like real estate, or start your own business will help you reach your financial goals and get money out of the way so you can launch yourself towards your dreams. Well, Amanda, I'm so excited you could join us today.

What's going on in your world? You know, I'm so excited to be here. I really, really loved our conversation today with Gabrielle because I, Shewope of Wall Street, am a content creator as well, and I have a 9 to 5 job in tech too. So there were so many really good parallels in our conversation that I really was able to relate to. And I just really, really loved our conversation, especially around quiet quitting, which I think sometimes tends to raise some eyebrows, but have an open mind here because I think she just did a really, really great job of framing it. Absolutely. I think that if you're not part of Gen Z, Quiet Quitting makes you think, what are these folks going to be lazy? Are they giving up their careers? Whatever. But no, quiet quitting, I think it's just

the Gen Z's parallel to the fire movement, essentially, right? It's a spin-off of that. And it's about the same goal, work-life balance, and spending your time the way that you want to. And I think that before you dismiss the term quiet quitting, understand what it means, as Gabrielle, who's a thought leader in this space, has defined it. And I think it will, open your eyes to, again, just the flavor that Gen Z has put on this age-old concept and the way that they're pursuing it. I think we'll all see that really quiet quitting is the foundation to fire. It's like they took this age-old concept and just added another layer to it to help us get to that next level and to help us live a life that we have truly dreamed of.

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for me over over 10 years. Kickstart your well-being journey with your first audiobook free when you sign up for a free 30 day trial at audible.com slash BP money. Gabriel, we are so excited to have you today. Thank you so much for joining us. Thanks, everyone. Thanks, Scott and Amanda. I'm super excited to be on. Awesome. Well, will you tell us a little bit about yourself and your relationship with money growing up? Yeah. So today, I'm a content creator. So I have over 100K followers on TikTok and then my brand and Tower Girl Boss. So they kind of just like coexist together. And so really over there, we debunk tech money and the future of work and just a very like filter. Really what inspired that and how my upbringing really came is I was raised by a single mom.

It wasn't, like, she tried her best, right? And like we definitely had like a sometimes lower middle class. It just depended, you know, on the year and what was going on. And sometimes like middle class, you know, so I got to taste like different sides of it all. When my parents were together, I was in Princeton, New Jersey. And so that's like a more like richer area. And I got to see that. And then slowly as my mom like really took the reins, then I started to live in the same. And then I started like long-income housing for a second unit. So I really got to see that aspect of things. And so I was raised, I think, with a little bit more of like a scarcity mindset. And I think that that's just because of the programming that, you know, they were exposed to at that time. And just,

you know, my generations before me, I'm first generation. We go to college as well. So there was some convincing of like even explaining what college was in the process and like what my degree was going to be like with my family and stuff. So that was always like quite a challenge and quite a really interesting process because I got to learn how to advocate for myself. So I'm very grateful for all about all that experience. For me, my parents were very blue collar, but they were very entrepreneurial. So they taught me like to show up every day for work. And I really got that traditional work ethic from them. So I'm very grateful overall for just the different flavors of my childhood. I love that. Thank you so much for sharing that background. And I just have to say I was

really excited to discover you because I think that there's a lot of parallels in our lives. I also work in tech nine to five. And then I'm also a full-time content creator as my second full-time job. And I want to know, how did you make the jump from corporate America to full-time content creator using that like scarcity mindset that you grew up with up until today? Because that's really scary to leave what a quote unquote, if you can't see me quoting right now, secure jobs. So how did you make that leap and how did your background influence you to do that? You know, I think that my answer to that will also mature with time. It's still just so everyone that's listening, like, my last day was March 31st of this year. So it's like quite raw. It's quite new. Really for me, as I started, I worked at a bigger public tech company that we've all heard before. I worked there until March 31. And so as I was starting that job in March 2021 is when I started to cultivate a following, I probably had like 30 or 40K followers. And so I always told myself when the this employer gets in the way with the other stuff. That's when I make the jump. That was just like my promise. That was kind of like my metric of when to leave because no one's going to tell you, right? And so there was like tons of games that I'd play with myself of like, well, maybe I'll get laid off today.

And like that comes off with so much privilege. But it was like I was looking for someone to just tell me to leave and go do it. And like, it just doesn't work that way. So as an entrepreneur, I was like, okay, so I create that permission for myself. And there was moments where recently this year, I mean, you probably understand this in the big tech, world. It's like you have to think of yourself as a business at the end of the day. I try to really like think of that when it comes to my followers and you know what they're listening to and when I'm articulating with them. There has to be an ROI for the job. And so for me, I wasn't really

growing anymore. There wasn't any room for any raises, but they were asking for more work this year. And I was just like it's just not a good fit. And so I felt like every, there was so many subtle messages for me to take the leap and do it. It's just I was getting in the way of myself. And so I really, as I'm cultivating a lot of my content for this month, I'm also trying to be really transparent and thoughtful with that because I'm just like, I still get in the way of myself. And there's so many people that look up to me and like where can I tell that story and still try to like be a mentor for people who may want to do the same thing or something that I do either intrigues them, stuff like that. Yeah, I love that. And I have to ask. So obviously it's like a big scary decision to leave a full time job, go into content creation. But, for a while you are kind of doing, not kind of doing two full-time jobs. You are doing two full-time jobs, right? So how did that affect you from like a mental health perspective or a burnout perspective? Such a good question. I got management in October. I got talent management. And so that was, I guess,

probably the best thing that happened to me. And I'm very grateful for my team and stuff that I've had. Can you define what got talent management means? Yes. Yes. That's it. That's a very good emphasis. So talent management, I mean, it looks different for any type of like creator or internet persona or creative as a whole. But for me, I have talent management, meaning I have someone that owns the whole business side of things. So I have a business background and I'm very comfortable owning my sponsorships. For those you don't know, sponsorships is a huge way that creators get paid so that we don't have to always constantly sell stuff to you or think of different ways to make money. It's a great way to really create a win-win because we can find partnerships. where their message or their offering is like such a gift for our community and we really want to

like put that stamp of approval on it and leverage our audience. And so for me, the back and forth of the brand is like having the business side of things, having the creative side of things and having my 9 to 5 trying to be a normal 20. I just heard 26, so like 25 year old or whatever, it was a mess. And I would say that there were certain moments that were really hard. And there was a lot of moments that I felt alienated because there's not a lot of people doing this, if that makes sense. So it would just be like very hard to kind of articulate what was going on. But it really pushed me to create a community of creators. I think like anytime that I see an up and coming creator or someone who's interested in becoming a creator, I'm always like, find like 10 people. You need those

types of people that understand the ups and downs. You need those people to understand your creative process. Like you need people to understand just the work it is. Like sometimes we stay up to like midnight making content or doing emails or whatever. And then we have work in the morning that we still get to, like, show up and be our best selves for. So it was never like a, oh, I had everything perfect all the time, but it's just such a plug and play of, like, learning how to delegate, learning how to create space for yourself and take care of yourself. Like, one thing that I always preach to is, like, I can't make a doppelganger of myself. And it's me at the end of the day. So it's like, if I'm not feeding this machine and like caring for myself, loving myself, it shows. Like,

sometimes my, literally sometimes I get comments of like, are you okay right now or like what's going on, like people know how they can see it. I'm always interested when folks leave their job to pursue these types of ventures in what your personal financial position looks like and how that influences. For example, someone with more cash and a little bit of passive income or promising start to their side hustle might feel very comfortable leaving the job. And someone without that buffer, maybe with a lot of credit card debt, might feel much less comfortable with that. Would you give us kind of an overview of how you would self-assess your personal financial position and how that may or may not have contributed to your leaving your corporate job.

Yes. Okay. So that is such a good question. It's not a one size fits all. And prior to this, I thought it was. So I thought it was like this checklist of like save nine months or whatever it's going to be, save this, do this. And then like one day someone's going to like, annoy you with a wand and be like you can now leave. And like that's just not how it works. So for me, mine looks a little bit different. So like to be transparent, I, don't keep like tons and tons of money in a savings account and I'll go into like why so I don't have like that big lump sum I mean obviously there's things that can be liquidated and stuff like that but I don't have this like big lump sum that I think that we're taught to quit um I also have debt

but it's good debt for the most part so there was some investments I made in my business like developing physical products and things like that um there's also investments that I made where I like hard money lent money um so I was kind of like being the bank for a specific situations so the really great thing is for the next 12 months, so for the next year, I have a payment that comes in passively from one of my hard money loans, and that pays for my bad debt, my personal bad debt. So that's my college loan and my car payment. And so I don't have to worry about that stuff. Of course, obviously, I have rent and like everything else going on, but at least like the bad debt that I like cannot miss payment on or my credit will be reflected, that stuff is paid for.

So for me, I was like, okay, that makes the most sense. The second part of it is there was already proof of concept with the side hustles that I had at the time. Eric quotes and side hustles because obviously now it's my full-time job, but I already had proof of concept that I could produce five-figure months and do that. And so it was like, okay, I understand that like I have this proof of concept now. If I just maintain or even exceed effort and that, so if it comes to like lead gen or any type of product development or increasing, you know, the quality of my content so that I'm getting better reach on stuff. Like, there's so many different ways that you can play around with it. Then I can, like, move forward. So for me, that was kind of like my gauging, like kind of gauge to it.

But, again, it's not on one size fits all. There's some people that really do need large lump sums of money in the bank. I just don't really keep that because I'm so young. I would rather take advantage of the time value of money. Awesome. Would you classify your expenses as high, medium, or low, your personal spending on your life? I'm in between a medium and a frugal. I was pretty frugal growing up.

because of my background and then putting myself through college. I just, I worked so many different jobs to make it all work while it was full time in school. About 2020, I want to say, yeah, I was 23 is when I made my first six figures. And so from there, I really got to play around. And I still, I mean, it's still a game of like getting out of the scarcity mindset. And frugal is good. Like, frugal is still good, especially for the economic health that we're in right now. Like, I wouldn't really, you know, advise people to, like, kind of throw that money around. it's nothing right now. Like, it's definitely something to be aware of. And so I think that I maintain that frugleness, but I've also been playing around the last three years of, like, treating myself to a certain

extent or investing in myself or not being so afraid of depositing money into investments and stuff that, you know, there could be a few extra zeros that I've never seen before. I try to grow my stress tolerance when it comes to money. But overall, like, I don't live this like super, super lavish life right now. I also do, like, really want to pursue. pursue the full-time content creation most responsibly. I want to stay open for investment opportunity, stuff like that. So it's really just a balance. Love it. I just want to observe your medium to late spender. You grounded out working your full-time job and creating content on the side to build that business into a place where it looked very promising. And you made the

transition at a point in time when you thought that was the right bet for you in life. I also love the fact that you're breaking a rule of personal finance where you're doing a hard money loan. presumably, by the way, hard money loan is for those listening is when you might lend to a fix and flip or short term rehab project. Usually at a high interest rate, 10 to 12%. I'm doing this with my personal portfolio, with about a third of my portfolio. You're breaking a rule just as I am. You're doing this outside of your retirement accounts, it sounds like, and you're just collecting the simple interest income. That's not very tax efficient, but what it does is it's freeing.

It allows you to have cash flow that you can then use to deploy for your other debts and your personal business. And I completely agree with it, even though an accountant would give you a lot of grief. So anyways, that's my observation, Spiel. I love it and completely aligned with the way you're approaching your situation. Thank you. I appreciate that. And for me, too, I also encourage anyone to get into this. And so the biggest objection that, you know, someone who's listening may feel right now is I don't have enough money.

And, like, that's a completely fair reason. But there's also different ways that you can creatively gain funds. So one way that I do that is through a system called credit card stacking. And so I'm able to, you just need an LLC. And if you don't have one, the company that I work with can also create that for you, which is like a super great supportive experience. And so you can actually just leverage business credit cards with 0% down. And I have some programs where, you know, some are 12 months, some are 24 months, 0%.

And then you can really play with that. Again, I think that would make an account really like climb up the wall and like get really, get really, like, afraid. But it's like one way that you could also leverage this as well if you don't have a lot of lump sum money right now. So tons of creative ways to do it. Hard money loans, I think, aren't the best represented sometimes because we have this like loan shark kind of vibe with them. And they're really freeing if you can create a win-win with someone. And also, it's a great way, kind of where you were hinting earlier, it's a great way to get into the real estate market. So the real estate market is so hard to get into right now as Gen Z. And you can become an

investor by lending money to anyone that you know who either is like flipping a house or trying to buy a house or anything like that. You can be a bank for someone else right now and you don't have to go through the whole loan approval process that we're all so afraid of. Yeah, I think that's really like brave and smart of you to do that with your money. I love that. And I think when you were saying like some months are, you know, some credit cards are 12 months or 12 months or 24 months. Like, there's definitely some mathematical gymnastics that might need to happen when it comes to that. So how would you recommend somebody get educated? Is that mainly what your content focuses on? Or do you want to share what your content mainly focuses on? I like to dive into creative ways to make investment decisions as a whole and then really educate that with my audience. So for me, I'm not actually sponsored by like any of the, like I use Funding Grow for an example. Like they're a great company that. does credit card stacking. Like, I'm not really necessarily affiliated by them or anything like that. It's just something that I really like to show people and try to guide them to that success of their own.

So for me, yeah, I constantly, constantly debunk, especially because, like, you come from a tech background as well. You'll understand this. I constantly debunk the whole idea of, like, accredited investors. I constantly debunk, like, so many things that we understand as tech employees, like, we almost, like, have to be an investor that's, like sitting on this, like, shark tank seat. and we have to be making like a million dollars a year and we have to go find like the big tech unicorn. Like it's just not like that anymore. And so for me like I became a seed investor at 23. And so I did that through equity crowdfunding. And that was a really, really cool way where I wasn't accredited. I didn't really have to go through all these like gate kept, you know, hoops to get there or anything like that. That was a really, really great way for me to enter the door when it came to like any investing. So there's stuff like that, just small stories or small. all ways that I kind of find to cheat the system, quote unquote, that I really, really preach to my audience because I just don't think that there's anyone that looks like me that's really trying to make this cool, if that makes sense. I think that there's just a lack of representation when it

comes to women in finance when it comes to Gen Z in finance. I think we're still looked at as like 14-year-old kids, but I mean, I'm 26. Like, we're definitely very much in the job market and doing things now. So I try to make like this boring stuff very cool. I'm a big bull for the Gen Z years. I am a millennial, unfortunately. I'm fortunately, whatever. But the Gen Z, that you guys, I think, have a much better handle on money. I think you're much more, what's the word, cautious or careful or a little skeptical that a lot of the things that baby boomers or Gen X maybe received and Social Security and those types of things are going to be available for you. And there's a lot more interest, I think. When I talk to people about financial independence. Yeah, a couple of my friends are interested in it. It's still not like most of the generation or anything. But when I was starting out on my journey, there was nobody like that, that I knew that was going down the same path. And so I think there's a big advantage here. I'm, I'll put money on you guys. I have a specific question about your content,

relating to a specific term. What exactly is an anti-work girl boss? And what does that mean? I love that. Yeah. So anti-work girl boss is basically, it's the expansion of work-life balance. I think this whole packaged work-life balance that we practiced today was a great stepping stone. And I think the idea of work-life balance really solidified in 2020 with, you know, being able to work from home and people really going through this external factor together and just being like, hey, you know, how can we take care of ourselves and stuff like that. And work-life balance to Gen Z will mean something much more expansive. So I've, what I mean by that is Gen Z. I'm careful about this because I want to, I get stuck sometimes because I know that we're

considered like lazy to older generations. So I try to maintain clear and like empathetic descriptions when I'm talking about this. So Gen Z believes that our nine to five is on a dream job, right? Like millennials really fought for this whole dream job situation. And I think that really carved the path for Gen Z where it was like, hey, I want to do something that's passion filled. I want to do something that's not just, you know, this corporate cog in the machine. Like, I want to do something that's more heart-centered. That really created that stepping stone for us. We're more interested in cultivating highly valued skills that we can either work, you know, on a 9-to-5 and or work as a freelancer and or like be a side hustler and or be a content creator.

Gen Z is very multifaceted. And so I actually read a study recently where Gen A, who was like in elementary school right now, they just got surveyed. and the biggest job that they want to be right now is content creators. So, like, and content creators as a whole, I mean, you're wearing five hats at a time all the time. Like, it's a very multifaceted profession. So we're seeing this taste and this interest for not just being the nine to five. And I just actually made some content that I'm going to post about this this week is like, I think we'll de-center the nine to five from our actual identity.

If you look at traditionally how Americans talk to each other, when we meet each other, the second or third question that we ask each other is what you do for a living. You know, and so that was something that I was grappled with when I was still a 9 to 5 or and being a content creator. It's like, people were like, yeah, yeah, but like, what do you do for work, work? And then to be like, okay, I do this. And they're like, yeah, okay, like, I understand. And it's like, no, that's just like a third of what I'm doing all day. It doesn't even represent who I am.

So that will be more and more a thing with Gen Z. So what I'm saying is like the idea that we have of work life balance today is awesome. It's like, you know, you can work at 10am instead of 9am because you have a dentist appointment. Great stuffing stone. I think that that's awesome. And Gen Z will come in and really show. like you're you know we talked a little bit about like quiet quitting and stuff like that it's like no I'm here to do my job responsibilities if we want to do anything more than our job responsibilities that increases our pay because that's how it makes sense and then if not like I want this space to be able to you know create side hustles for myself or do passion projects on my own I want that space to be able to do that and so that's where we're getting all these like quiet quitting and all these different crazy trends are going on right now but anti work is basically like a riff off of there's r slash anti work which is like a subredic community. It's crazy if you've ever, I definitely like when you're bored, like go in there. It's

just nightmare work stories and just crazy stuff that goes on. And like I used to work in retail and a lot of them are like retail focused and just the whole gamut. So it's like that plus the whole millennial term girl boss, which was like the whole concept of climbing the corporate ladder. So it's kind of the balance of the two. But at the end of the day, I'm just teaching people to be more discerning like, hey, what do you want to do from nine to five? What do you want to do throughout the day? What are you interested in. Are you getting full ROI? And the ROI means return on investment. Like, are you getting a full return on investment on what you're doing? Are you fulfilled? If not, how can you create that for yourself? Stuff like that. And just to kind of piggyback off of what both you and Scott just said,

Scott made a comment that where he said that Gen Z is a little more skeptical. And I think that is so spot on, especially with everything that you talk about, because you guys are skeptical, you know, and I'm a millennial as well. So you guys are skeptical in that you're like, well, wait a minute, working 4,000 hours a week is like not fun. Zero out of five stars. Don't want to continue doing that. How do I, how do I not do that but still live a life that I want to live? And I think you guys are balancing that so perfectly. So I love the whole anti-work girl boss thing, the whole quiet quitting. Like let's just, you know, do the work we were paid for and still be allowed to live our life as humans. So I love all of that. But I do have another question for you, which is I feel like right now,

if you're somebody who wants to rely on a nine to five, you know, going into tech is looked at as super sexy because there's all these different perks that you get, but also it's really tumultuous. Becoming an entrepreneur and a content creator is really sexy because you get to work for yourself and do things that you're passionate about. But both of those things are also like really volatile industries. So how, like, what would you recommend to someone who, you know, was interested in going and pursuing the life of their dreams, doing the quiet quitting? working but also following their passion, like, what would you say? Because both of those things are hard. It's all hard. And yeah, to be totally transparent, Amanda, because that's so true. It's like,

I don't want to sit up on here and, like, sell this dream of like, oh, you just get to do this thing and, like, choose it and it happens for you. Like, um, it takes some, it takes some work. It takes some focus. And it takes trial and error. And it's also okay to fail sometimes. And, you know, and that's, that's how it is. So at anti-war girl boss, like, we really preach this idea of a lazy girl job. And so, what I mean by that is it's safe, it's equitable, it pays your bills. You can, there's room for work-life balance. You have a great, you know, you have a great transparent and honest relationship with your boss so you can, you know, articulate clear boundaries back and forth to each other. So I'm still on the team, you know, tech jobs will fulfill that. I know that obviously the tech

industry has gone through quite the gamut in the last year. So it may be a little bit harder to find jobs like that. But for me, I always preach like, hey, there's something in the tech industry that you can do because there's people that, you know, aren't like literally unsafe jobs, trying to make things work or hustling in a way that just isn't safe for women, especially. So that's something that I really try to make cool is like, what's wrong with like making 75K as a marketing associate? And then the extra time that you do have just figuring it out. I mean, that's literally how I figured it out, you know? So I'm just like, it doesn't sound as sexy, right? It's not that cool yet because It's like you're kind of spread then and you're doing all these things. But like, why can't we normalize a nine to five that pays your bills and is, you know, super soft. It's kind of like that soft life and stuff like that. Like there's something really sexy to that. And like when you become self-employed, you have to wait two years anyways to buy a house traditionally because you have to have that average and stuff like that. So when you're thinking about the other stepping stones to adulthood, it's like, you know, it could make sense to stay in a salary job. So for me, I mean, I always appreciate that to my community. I don't expect everyone to like come.

into this like content creation space with me. It's, um, not ideal for everyone. And it's actually like not as glamorous as it seems all the time. And you understand that very, very hard. Um, but I, I hope that that like answers or question in like a fair practical way, a practical way. Because that's what I really try to maintain. I ain't so I'm not here to like sell a story. I love that. And actually, you know what? I probably jumped the gun. I should ask you, can you define for everyone what quiet quitting is? Okay. Well, like the definition of it is like you, you, you, you, you, you, you, don't go above and beyond anymore at your job. So typically, obviously, like, what we do at corporate jobs is, like, we're promised, you know, you go above and beyond, you do the extra work, you do all

of that. And one day you will get the promotion. One day you will get the raise and stuff like that. That's one way, right? Like, I'm not saying that that's, like, wrong. But really what Gen Z coin is this term of, like, no, I'm staying discerning in what I'm doing. Like, you've hired me to do X, Y, and Z. I'm going to do that. And then the rest of the time, I'm either, you know, making a family or making a side hustle or something like that, right? Like there's more of that creation and that multifaceted thing that we were talking about earlier. So that's really what it is. And so quiet quitting as a whole, I don't really put my stamp of approval on because it's interpreted in many different ways as, you know, as content is. So it's not something that I'm necessarily like, hey, kids go out there

and quiet quit. I just mean like, hey, figure out what you want to do outside of work too if like work's not fulfilling for you. I've also made content in the past before where I'm like, Why are we putting so much on our, so much weight on our jobs anyways to make us happy? Like, it's kind of not really what it's there for. Like, it's there for the transaction of your work and your pay. Of course, like having nice coworkers, of course, you know, having someone of a fulfilling intellectual job is like super awesome. But like what just happened to, I don't know, just facing it, you know, actually like

viewing this at face value and just being like, this is the job and it's not here to like fill my cup up to the fullest. That's like my job outside of work and stuff like that. And so that's why I try to stay practical with it. But Guaiqueting is just super interesting for Gen Z because we've entered the workforce at a difficult time. So I entered the workforce at 2019. That's when I graduated college. So that summer, we were still going into the office because it was before the whole, you know, go home kind of thing.

So I remember, like, going into the office and, like, putting my outfit on and being like, oh, I'm doing this for the next 40 years or whatever. And then, you know, March 2020 happened and there was no raises. There was layoffs and stuff like that. So we've had quite a wild ride. And so I think Gen Z is really staying, I don't know, staying observant of that and trying to be safe with the time that we're giving and what the actual payment back is. I think millennials, like you all too, like the 2008 recession was kind of your version of that. And so I think that there was that kind of coming of age and, you know, that almost uproar of like, hey, this is what we want corporations that really started this stepping stone for Gen Z. So it cycles.

It happens. Let's, I'm a CEO. Let's, let's pretend that I'm 30 years older and, and we'll add the adjective crusty to my, um, my demeanor here. I'm, I'm not familiar with the term quiet quitting. And I learned that Gabrielle is quiet quitting on our company. What is, what does that mean? Does that mean like she's going to do a bad job? Does that mean that she's going to, you know, skip, skip out? Does that mean that once she finishes the assignment that I give her, she's going to, uh, start working on her side blog during work hours, like, how? How should I understand this as a skeptical, you know, Gen X or, they're not not at Krusty yet,

Baby Boomer. They're not at Krusty either. Sorry. None of this. But just tell me how like someone who's maybe not as in the know what this should, should interpret it. Maybe at another level. Is Krusty your first name or is that just like a nickname?

My brother's name is actually Rusty. But yeah, not, not, yeah. So funny. Okay. So my interpretation of it is if I were, you know, say I was your assistant and I'm prepping you on the meeting that's going on, I would be like, hey, so Gabrielle is doing her tasks and she's doing them well. She's staying active at work. She's not showing up to work, right? Like, she's there, but she doesn't seem motivated to do extra stuff. She's not really checking in with her manager

for extra work. It doesn't really seem like there's a lot of co-collaboration going on, but she's getting her work and she's getting the job done. Okay. Fair enough. Do you think this is a power dynamic shift between companies and employees over the last couple of years and that it may be reversing or do you think that this is here to stay? Such a good question. I think about this every day. I literally think about this every day because it like haunts me. I'm like, because my thing is like what's what's respectful and what's fair, what's responsible, right? Like, Ben Gen Z has a lot of leverage to come in and be like, you lay off everyone. So I'm going to sit here and do nothing. Like what are you going to do about it? Like there's tons of leverage for that, but that's not responsible. That's not

efficient. That's not helpful. That's not anything. So I always think about with that lens as well of like, what's the end goal? Like, what's the end goal of quiet quitting? Like, how is it actually going to affect us in the future? What started quiet quitting? You know, and we've talked about it a lot, it's like, it's the economy and like what happened and what Gen Z really values. I think workplaces also, I mean, like the great resignation happened. And so I think that that was a huge shift for workplaces as a whole in employers. I work with a lot of people who are trying to get into the tech industry or have just got laid off from a job or whatever. And they're companies that are just shutting computers off.

Like, I'm sure you've just seen news like that where they're just, they're shutting the computer off and you actually don't even know that you got laid off until 8 a.m. that day. So I don't know. Like, we're seeing a lot of retaliation on both sides. I wish I had a magic wand to, like, help everyone out at the same time. But again, it's such a loaded question, but it's a question that needs to be talked about more for sure, because I think, especially me and other creators in my place, like, there's a lot of people that look up to us. And I try to be really conscious of what I'm saying because especially on TikTok, there's some young, young kids. And I don't want to create this whole like, well, Gavril Judge said that I could just close my laptop kind of thing.

Like, that's not what I want to do. But I also want to teach kids of like, stay discerning to what you want to do and be really clear by your work boundaries because it's open now. Like, we can start doing that. I love all of that advice. And I have to say that you made a comment that Gen Z was really interested in quite quitting. And I feel like I have to speak on behalf of all millennials that we are interested in following your guidance here because you are on to something I think. But I have to ask, like, how does one set those boundaries appropriately within workplaces that might not be as forward thinking? I think about that a ton.

So I always am really careful to when I make content. I can really only speak to the tech industry when it comes to professional stuff because that's what I've been in since 2019. I have a computer information systems degree. that's what I went to school for. Prior to that, I mean, I was in the restaurant industry. I've done tons and tons of customer service jobs, but it was a different lens. It was a younger me. So it's hard for me to give advice on something that I don't know.

So that's something that a lot of times, like, I do get comments sometimes where it's like, well, not everyone, you know, works in the tech industry and, like, absolutely super fair and never going to delete that comment, never going to, you know, make them feel bad for that. Like, absolutely, that's such an important thing. I mean, one thing that I do is, like, I teach people how to use chat, GPT, and other free tools to leave their job for a better job. And so that's that's a huge solution that I try to do with people of like, how can we practically get you out of that job in that situation? If there's like no way to negotiate these things that you want, how can we get you out of that job? I'm actually like

with, you know, our offering of being able to quit jobs with AI. I'm actually doing a lot of research with people who work in other areas of STEM. So like science, technology, engineering, and mathematics for people who don't know what the acronym is. And I'm working a lot with like medical, people right now because I don't understand that world at all, but I want something for them because I feel like there's a lack of career guidance in that industry as a whole. It's very educational and it's very scholarly. And I think that there's a lot of like career gaps in that. And so I'm working with like a small group of people in the medical field right now too because I'm trying to roll out like way better messaging for people beyond the tech industry. Because again, like we don't like rule the world. No, absolutely. Tax season is one of the only times all year when most people actually look at their full financial picture, including income, spending, savings, investments, the whole thing. And if you're like most folks, it can be a little eye-opening. That's why I like Monarch. It helps you see exactly where your money is going, and more importantly, where your taxed refund can make the biggest impact. Because the goal isn't just to look backward, it's to actually

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Visit Northwest Registeredagent.com slash money-free and start building something amazing. Get more with Northwest Registered Agent at Northwest Registeredagent.com slash money-free. Okay, and then I want to ask you a question about Chat GPT since you just brought that up. So you've done some really, really interesting things with Chet GPT and maybe potentially some life-changing things for people, right? So can you walk us through how you've leveraged the tool to be able to help people with their job hunt and other things? Yeah, everyone hates getting a new job. Everyone hates interviewing for a new job. Everyone hates that horrible, horrible position you're in where like you are fully committed to a job. You are working 50 to 60 hours a week and you have like zero times. to look for another job because everyone knows that is like a whole part-time job in itself. You know, like that's a whole thing. Yeah.

So I've been thinking about that a lot last year. Basically, when I first got started as a content creator, I did one-to-one, like, career coaching. So I helped people break into the tech industry that have, you know, not as traditional backgrounds. So when I need traditional backgrounds, like, they don't have a four-year technical degree and they're not like fresh out of college, you know. So these are like people that are doing career switches or, you know, they have a background

and something else, and they're trying to leverage that in, stuff like that. And I really burnt out really quick. And I was like, how can I find a way to, like, serve a ton of people at once? So I'm not just splitting my time on these one-on-one things. And how can I make a really affordable offering for everyone? So that's where, you know, chat CBT rolled out what, end of last year early this year. Yeah, end of last year. And so New Year's Eve, I spent the entire week of the New Year just learning it and writing

this program because I was just like, we're doing this. Like, I finally found a way that we can like leverage us and do it. So to really like talk about what it is, I mean, it's for every stuff in the process, right? So it's like resume creation, LinkedIn profile optimization, like all the discoverable pieces, right, of actually applying for a job. Typically those things take hundreds, if not thousands of dollars if you're in the tech industry to do. Like that's such an archaic thing of like literally when I first got into the tech industry, I think I spent like $600 on two resumes. Like that was such a thing. And I was like, this is ridiculous.

Like with this program, like, you can do it on your own and you can do it an unlimited amount of ways. You don't have to sit there and, like, go back and forth via email with an agency. Like, you can empower yourself and, like, make all these tweaks. So with chat chbt, like, you can write your own resume. You can also list out your accomplishments and really tailor your resume for each job posting. Because that's the thing, too, that I always preach with my community is, like, you didn't get any callbacks this week.

And that makes a lot of sense. But also, like, what, how many job applications did you do? was it 10 or was it 100, right? Because that's going to change your outcome so drastically. And it's just not like, who's going to sit there and apply to 100 jobs a week? Like, it's just really crazy to do on your own. So I was like, cool. Like here's a tool that you can automate all of this for free by yourself.

Like chat chbtbtee costs zero dollars to operate. I mean, you can get the chat chbt plus, but very accessible. And so I'm really just teaching people how to fish. I don't want to roll out like an agency and like take hundreds of dollars from people and stuff like that. It's just like here. Like, this is one way that you can completely advocate for yourself and streamline the entire job application process. I love that, especially since, since when you are applying to like multiple jobs, you have to

tailor your resume so specifically, especially if it's a few different jobs. So I love the idea of using technology like that to. Yeah, personalize. Yeah. I mean, on this point, though, like, we're getting a thousand, I personally job. I got a thousand applicants. a thousand applicants for a job. And, you know, to whittle that down, like, absolutely.

And I'll go one step further and say, like, yes, do this. Customize the resume for the job. That's fantastic advice, which I have never really considered. I guess I haven't been on a job search in nine years for myself. But second, put a cover letter. And don't use AI to write your cover letter, but use it to draft it or speed up that process of customizing it. Because when I get a thousand resumes, I'm not.

I'm like, or just, they're just like, flowed in the pile. Even if it's a great resume, I don't, like, what am I going to do with? How do I filter these things very quickly, right? I mean, that's a tremendous amount of work on my side to do that. And these tools are making it easier than ever to just fling your hat in the ring. And it's, I have to go through it in half a second because I have no choice. I can't go through a thousand resumes in detail. Anyways, just an observation from my side, confirming your biases here.

No, I love it. I'm glad that you're on board. So awkward transition here, but I have some questions about TikToking, which you can tell I'm not very familiar with and don't do a lot of. Are you worried about the current climate in your business? I think that's the way you reach most of your followers is with TikTok. Are you worried about that getting shut down? What are your thoughts on that or if you had to speculate on what the future of that platform is? You know, not to be snarky, but I feel like we all forgot what Facebook did with Cambridge Analytica.

And I just, my whole thing is like, TikTok isn't doing anything that American social media companies aren't doing already. And so not to get like wildly political. I just, I don't agree with the cherry picking that's happening. I do, obviously, I'm very pro, like, things need to get figured out with technology. Like, we need more representation in the government. We saw, you know, kind of that recent happenings with the TikTok CEO and stuff like that. There needs to be more representation. and like that's something that I'm very vocal about as a whole, especially as a young voter of like, you know, like, of course I'm in a vote. Of course I'm educated and stuff like that. And I want to stay in, you know, the whole the voting practice and make sure that I'm maintaining that every four years and even in like the local stuff. There's no representation for social media. And it just, it scares the heck out of me personally. And so I'm hopeful for the future. I'm hopeful in humans. I'm hopeful in America. Like, whatever.

happens, I know that we can change and we can fix and we can grow and get better from. So for me, I'm not sitting here like white knuckling every day of like, oh, is TikTok going to be banned? There's certain stuff too where like that TikTok ban, it has nothing to do with TikTok as a whole and it's more about like the VPN situation. And for anyone that doesn't understand in technology, like virtual private networks are, some of them are, yes, obviously for like very scammy things or like to pretend that you're something else. And those should be, those should be regulated as especially for streaming platforms and stuff like that or actual businesses, like, definitely not telling anyone to, like, pirate anything. But they're also, like, helpful for personal security

and stuff like that. Like, there's some really ethical ways to use VPN. So some of it just kind of, like, scared me in general. I didn't love seeing all of that. Likes to be very honest with everyone. I haven't talked too much about the TikTok ban. But overall, very, I'm very excited about America as a whole. And I know that we'll figure it out at the end of the day. So let me ask you then. So what advice do you have for somebody, who would want to become a content creator. Because there's also lots of really great stuff that comes along with it as well. So being a content creator changed my life.

The biggest thing that I see about it is you'd ever know who's watching your content. And so the craziest opportunities will happen that you can never imagine. Like I've done, I've been doing casting calls for reality shows the last like two years and stuff like that. Like just wild stuff that you didn't know that you could do. Business relationships have happened. Like I've gotten freelancing jobs and brand deals and stuff like that. Not even, I haven't done a resume or a job applicant. and years. Like, it's just from making content and stuff like that. If it's something where you

don't want to make money off of it, you don't want to be, like, super big. The amount of just the way that you can cultivate a community and just the friends that you can make online is just so powerful as well. Like, there's just such a community aspect to it as well. So my goal, like, my tips are it's really actually more of you getting in the way of yourself than anything. And no one has this secret sauce, and if they do say that they have a secret sauce for going viral, I'm sorry, but they're probably not right. It's probably just not, it's not something that you can do like from step A to B to C that you can really do. So it's kind of like a, it's unique, it's unique to you when it comes with trial and error. So the biggest one that I always get when people are like,

oh, I want to be a content creator, but I don't know what to do. Their biggest fear is like, well, what if I make gross content? Like, what if I'm what Gen Z calls cringe? Like, what if I'm cringy out there? What if I'm doing like gross stuff? And, you know, And then, like, my friend sees it or a coworker sees it and stuff like that. I'm like, if it's bad content and it's not performing well, no one's seeing it. That's kind of the great thing about it. You get to just move on, right? The second aspect to it is, like, if your friends or your coworkers or whatever see it, they saw it, you know?

And, like, I just, you know, it's a part of life. And so for me, like, I notice it's much more of us getting in the way of our own selves. But my most practical advice is, like, be really kind to yourself. Like you don't have to have it all figured out. I don't have it all figured out. Amanda, I don't know if you relate to this. No. I'm sure there's moments where you're like, I don't know. And you wake up some days and you just want to like delete your app because you're like, I don't even know what this is today. Yes. It's just part of it. And I would just say like create whatever lights you up. I make, I used to make content just on my work from home job. That was so weird. You know, I think corporate Natalie was like the biggest person that like made that popular and stuff. But before that it was so weird. And like, even. in my talent management when they first picked me up last year. They were like, your niche is just so new and different. Like, we don't even know what to do with you. And so what I'm saying is,

like, you love painting. There's going to be someone in there for painting. Like, there's just, there's so many communities and interests out there. I think that's what why TikTok did so well is because it's so interest-based. It really cultivated that community for us. So just be authentic, do you? If you get in the way of yourself, that's okay. Like I said earlier, make a ton of content creator friends, DM people, be kind. You will attract the right people and the right support, and you'll figure it out eventually, I promise. I love all those tips. I literally couldn't have said them better myself. So I thank you so much for sharing. Thank you. Gabriel, it's been a privilege to chat with you today and learn from your, you know, really a thorough kind of grounding

in what the future of a career and what that might look like for Gen Ziers and other generations as well looks like. Where can people who are interested in learning more, find out more about you and follow you. Thank you so much for having me today. This was so exciting. Yeah, anytime that I can be on a podcast and be able to talk about stuff, I also appreciate how thoughtful you all were when like thinking about my brand and what I do, I think it's very easy to create the story of like I don't want to work and I'm teaching kids not to work. And so I really want to thank you for the open-mindedness and being able to let me, you know, just chat about, you know, these trends and these theories that I have. So thank you so much for this space today.

So my TikTok is at Gabrielle underscore judge. So just Gabriel judge my name. My Instagram is anti-work girl boss. And so we have a lot of fun over there. Thank you so much for like I said, just everything. And very excited to just do the full-time content creation stuff this summer and see where it goes. Awesome. Well, we really enjoyed this.

And we totally get it. This whole show is about financial independence retire early, right? Fire, right? So it's it's all under the same umbrella of goal here of taking back control of your life. And one observation I'll leave us with here is the logical response to the apathy that I think that a lot of folks feel about their jobs, in my opinion, is protect that job. Do exactly what you said. Good enough.

Do a good job. Get your good performance reviews. Get your raise, those kinds of things. But also move towards financial independence in some form or other, whatever that means to you, as rapidly as is reasonable for your situation and try to do it early in life because then you can live the remaining multiple decades, hopefully, on your terms. And that means something different for everyone. But I think it's all this kind of same fundamental concept that I think, you know, has been around for decades, but has been slowly compounding and growing amongst the

generations. And Gen Z embodies that even more than perhaps millennials, Gen X, or Baby Boomers. And I wish you good luck on that journey. Thank you. Nine to Fives are sexy, y'all. They can feel your investments. I can fill your side hustle, I promise. All right, Amanda, that was Gabrielle. What did you think? Oh, my gosh. I loved, love, loved her. I want to be like her when I grow up. I think that all millennials, all ages, have so much to learn from Gen Z. And I think she represented them so well today. Absolutely. I think everyone always underestimates the new generation. I remember that being the same case when millennials were in their 20s and early 30s. And I think that

there's always this kind of dismissiveness, but you can never underestimate the next generation. They're always have superstars filled with, filled throughout. And they're always the future and the potential of the of this country. And it's so wonderful to talk to somebody who's really kind of at the forefront of thinking about, uh, independence and freedom and control over your personal finances, uh, in the space. I really also loved, um, a couple of the specific tips that she gave us today around like your resume, right. Again, I'm, I'm struggling to kind of figure out. out what are the best ways to use AI in my world, but formatting resumes, coming up with, you know, the early stages to a cover letter or something like that, those are all great little, little tips

that I think she has there. Thinking about your, you know, your work and setting up your financial position so that it's strong. And again, it's not a process. No one waves a magic wand when it's time to quit. It's just a process that you build towards. And you have to make that break point. And I love the way that we were able to kind of dissect that and think about that position for her when she left her full-time job. Oh, absolutely. I think that they are the epitome, and they define working smarter, not harder, right? Absolutely. That's the name of the game. And I'll say, though, that Gabrielle thinks that she quite, she talks about quite quitting a lot, but this is a lady who worked full-time job and then another full-time job, just like you, by the way,

creating content on the side for years in a row, probably putting in 50, 60, 70, 80, 100 hour weeks when it's all told between the two jobs prior to moving back to one job where she probably still works 60 plus 70 hours a week if I can tell anything about the way that she's thought about all these different frameworks. So I love that. It's work smarter, not harder, but she does both, I would say. And I think I would probably put you in that category. Is that right? I would say yes. But I think also it's, It's especially when you're young, right? The working smarter might be like grinding for a couple of years, but I know I don't want to grind for 60 years.

And I think that that's really the conclusion that I came to in, you know, the whole quiet quitting era. It's not like go, you know, stop working tomorrow or don't do a good job right now. It's, you know, let's do everything intentionally and, you know, have a goal at the end of the day. Yeah. When I was in my first job, I was working at a Fortune 500 company. I gave it my all. I put in everything I possibly could. And at the end of that year, I thought I was doing the same work as people that were five,

10 years my senior. I got a 2% raise. And that, I think, like to me, that was when I quiet quit. That's when I dived into the fire movement and this kind of thing. Like, why would I give my employer 100% of my effort when that was the reward that was given to me at the end of that? What's the point? And I think that that Gen Z is just catching on to that faster.

than other generation. So I'm all for giving it your all in your work when that has the opportunity to be rewarded. And if it's not, then you need to slowly or quickly redirect those efforts to something that can scale. Right. Absolutely. I think they do a great job of just being unapologetically themselves and questioning everything. Awesome. Well, should we get out of here, Amanda? Yeah, let's do it. All right. From this episode of the Bigger Pockets Money podcast, I'm Scott Trench, and she is Amanda Wolf from the She-Wolf of Wall Street saying, see you later, alligator. Bigger Pockets Money was created

by Mindy Jensen and Scott Trench, produced by Kaelin Bennett, editing by Exodus Media, copywriting by Nate Weintraub. Lastly, a big thank you to the Bigger Pockets team for making this show possible.