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So how it works is we all
have a history, a financial history,

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a family financial history, and a
personal financial history. And so there's a

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roadmap of walking through what's your first
money memory? And I had a very

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poignant first money memory that really,
as a seven year old child, left

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me in fear. You are listening
to Carrie Let's's Financial Survival Network, where

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you get valuable information you just can't
find anywhere else to thrive in today's trying

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times. You need the Financial Survival
Network now more than ever. Go to

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Financial Survivalnetwork dot com and get your
free newsletter and gift. Financial Survival Network

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now more than ever. And welcome. You are listening to and watching the

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Financial Survival Network. I'm your host. Carry Let's say we're in mid June

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here, already hard to believe.
Things are crazy out there. Economic ills

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are mounting for sure around the globe. And I thought I would bring you

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somebody who specializes in overcoming adversity.
Her name is Grace Vandakruz. Grace,

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for thirty years, you've dedicated yourself
to helping individuals, clients, corporations to

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overcome adverse adversity. And hey,
we need your advice now more than ever,

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so tell me first, how do
you define adversity? I think that's

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the most important thing, because one
man's adversity is another man or woman's challenges

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in life. So true. So
look, in addition to being an investment

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banker working on Wall Street for thirty
years, also CPA, also masters at

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the Wharton Business School and so forth, one of the things I do is

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climb mountains. And I've climbed twenty
five mountain peaks and over three continents.

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And one of the things I learned
with climbing mountains it's like life, and

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it doesn't matter where you are in
life, whether you're sitting in your office

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or standing on the foot of Mount
Everest. We are climbing mountains. And

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what an adversity is It is an
attack or a series of attacks, or

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an insurmountable a goal that we have
that is exceedingly difficult to overcome. Sometimes

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it seems that the strength required to
get to the other side is beyond us,

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and we're just sitting there saying,
how are we going to deal with

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this? And so that's the fine
an adversity, all right? So those

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inversive comes strictly from without or is
it also from within? Your reaction.

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Is it your reaction or is it
external circumstances or both. I think it's

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both. I think adversity comes from
without, but a lot of it is

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based on how we act, how
we react to the adversity, based on

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our own inner strength, tenacity,
resilience, and our desire to just move

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beyond it. So someone wants told
me or I read or whatever. You

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know, you're never a failure unless
you believe you're a failure. Yeah,

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you know, it's interesting because in
mountain climbing, the word failure is never

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used. You know, if there's
an accident, if someone dies, it's

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always let's go back to base camp, let's regroup, let's use the experience

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as a learning exercise for us and
retool and repivot in par as how we

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go forward. And so that's you
know, that's the way I view life,

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that every failure, or what people
call failure, it comes with a

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gift, and in that gift is
a learning opportunity. And your ability to

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move on and my ability to move
on is based on what we've learned from

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that last gift, which was wrapped
in sack paper. In terms of an

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adversity, just to give me with
my life and perspective. My major adversity

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came when I was in college and
I went home and the home that my

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family. I'm second oldest of seven, so the home that my family shared

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with me on a beautiful summer's day. As I turned the corner to the

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home, I saw a lot of
flames. As I got closer, I

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realized it was our home being engulfed
in flames. And as a family of

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seven in a home that worked hard
to get and we were renting at the

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time, it was difficult to see
how can we staying together as a family.

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And everyone that came to give this
advice, look, your family of

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seven, why did you split into
your family of nine? Actually seven kids

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little to two or threes, until
you can get yourself together and then come

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back as a family. And my
dad, I have to say, my

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late dad, amidst in those ashes, his result of us being together as

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a family was never more stronger.
He always reminded us that the saddest day

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of his life was when he was
eight and he was orphaned and he was

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separated from his two brothers, and
he said, there is absolutely no way

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we're separating, and the only place
we can go as a family and be

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together. Is a New York City
homeless shelter. So data began with me

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heading off to school, ended with
me walking into the shelter with a thirteen

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gallon trash bag which contained all of
the memories that I estalviashed from the flames.

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And it wasn't lunch. There was
a lot of room in that bag

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walking into a shelter and that was
our home. It was our home for

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eight months. But what's interesting about
me in my life is that my grandmother

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was a very oppositive positive force within
me, and she always told me to

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believe beyond your limits, meaning never
planned your life based in your circumstances.

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That your gives, your goals and
your talents exceed the capacity for you to

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hold them in your current circumstances,
that you have to really keep pressing forward.

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So while I was in that shelter, that shelter was never within me,

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and it has taught me resilience,
determination and courage in moving forward.

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Wow, that is an amazing story. Off and say, being a podcaster

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for the past fourteen fifteen years,
all we have are are stories. And

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so now if you hit once you
got through that hitting adverse and in your

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life it's like, hey, I've
been through worse than this. I can

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take it, and I can turn
it to my advantage and help it help

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me achieve my goals. Scott Adams
wrote a book called Failing Your Way to

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Success Right, and so failure like
is an integral part of success, isn't

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it. Yes, it's like bawling
forward. You know you fall, but

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it's not how many times you fall, it's how many times you get up.

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I just want to get up one
more time than I fail in order

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to be successful, resilient, determined
and accomplish my goals. And interesting in

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climbing the mountains because I've been in
situations where I remember, right before COVID

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in twenty nineteen, I decided to
summit the highest speaking Euroute month El Bruce

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climbing month. El Bruce with a
Russian guide and mouth. Elbruce is in

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Russia, right at the border of
the Republic of Georgia, and it's you

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know, around approximately nineteen thousand feet
in elevations. It solid rock of iceism

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in its almost one of the most
insturmountable mountain. Didn't stub mean on And

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I've been to Everest, and I
would say Mount l Bruce rivals it if

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not more, and we're climbing,
and all of a sudden, a beautiful

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clear day became completely dark with a
storm coming in. And one of the

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things I'll remember about this storm is
that the noise was deafening. I mean,

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the noise was louder than the New
York City subway. And that's not

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wild, that's wild. I mean
it was so loud it was dark.

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I couldn't see in front of me, and of course the snow and the

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ice is coming down. And I
remembered that it's my guide that is in

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front of me, and he knows
the way better than I do. Of

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course he's an expert. So what
I had to do was not focused on

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the storm and the noise and the
snow, was focused on my next step.

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It's my next step that matters the
most. And make your next step

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the very best step, so heartening. Back to what you said, once

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you've been through an adversity, it's
easy to go to the next Because I

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had pined Kilimanjaro, and because the
guides there would say poly poly, which

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is step by step, measure your
step carefully, make it your best step,

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and they'd say it like a mantra
in the storm, I just zeroed

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in on my next step, and
because I had a guide, he left

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clues in terms of his bootprints,
and I just kept step by step by

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step. And I think that sometimes
that's what life is all about. It's

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a series of steps we take,
even when we'd don't have the strength to

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take a full step, taking that
half step. But the series of steps

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we take, even in the storm, even in darkness, even in all

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the uncertainty, they matter the most
because those are the steps that will get

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us during destination. That's a great
story and I think we can all learn

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from it here. So when clients
come to you and I think their situation

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is hopeless, what's the first thing
you tell them to do? Interesting?

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So I have two distinct set of
clients. One is I am an advisor.

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My company advice on merchants and exquisitions
in the insurance industry. So many

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of my clients are coming because they
like to grow and the industry is very

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fragmented. So many companies have timey
market shares and they're looking to expand.

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For me, it's a terrific opportunity
because The first thing I say to my

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clients is, look, I'm not
just an advisor in the space. I

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lived through a series of disasters that
if my parents had insurance, if they

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had a net, then that homeless
shelter could have been in a brand new

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apartment. So not just an advisor
of an advocate for financial security and financial

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wellness and empowerment. And I service
my clients with a great deal of pride

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because I love what I do.
I love building their brands and bringing them

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additional opportunities to expand their network.
In addition, I work with a number

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of communities where individuals are looking for
their next step in their financial wellness and

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in their financial goals. And so
what I do is I give them a

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roadmap. I give them a roadmap
of how do you start to do an

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inventory not just a physical inventory of
how many assets you have, but a

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psychological inventory. What was your first
money memory? Think about it, because

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many of us are first money memory
is just tainted by some sort of lack

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insecurity. We have memories of family
members not repaying each other and putting someone

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else in deep financial distress, or
you know, parents being laid off and

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some financial crisis so I tell my
clients, regardless of how wealthy you are,

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many of us are still suffering from
some sort of financial PTSD. So

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yes, because before we work and
you know, here's what stocks to buy,

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or here's the insurance or the other
things. The foundation needs to be

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laid where we can get a wellness
mindset regarding our money, regarding our finances.

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And my book tells the readers how
to re cast your money memory,

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how to a regardless of what happened
in the past. Here is my money

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destiny because wealth is my birthright,
success is my birthright, Wellness is my

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birthright, and the book just gives
it a complete road map of how to

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do that. That's great because I
remember my first money memory and when you're

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talk about PTSD, it kind of
haunts me to this day. One minute

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everything was fine. The next minute
found out my father is a business partner

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who is a relative embezzled. Back
in the sixties, this was three hundred

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and fifty thousand dollars, which is
a huge amount of money. That is

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a fortune today, yeah it's millions, and you know, like we were

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all freaked out. My mother went
to work. It was like wor it's

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time in my life. But within
eighteen months my father had turned the whole

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thing around and my mother was driving
a new Cadillac. But what the amazing

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man. Yeah, but the damage
to my psyche was done and it lingers

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to this day not to like where
then. But no matter how good things

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are, I often find myself fearful, not often on occasion, fearful of

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the future of the You know,
I am in my sixties. Am I

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going to outlive my money? Or
is it going to outlive me? And

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you know, it's caused me to
make mistakes in my life that I shouldn't

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have otherwise. And you know,
you really resonated with me because I realized

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that some of the mistakes were to
get rid of the pain from when I

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was that ten year old kid,
rather than making sound financial decisions. Oh,

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that is such a great point.
You know, there's a statement that

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says we spent our whole life trying
to shield from our childhood trauma. And

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you know, if we're not going
about that the right way, it detracts

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completely from planning for the future.
And like you said, making the right

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financial decisions really good. So one
of the things I noticed you do is

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the personal inventory here. How does
that work? So how it works is

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we all have a history, a
financial history, a family financial history,

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and a personal financial history. And
so there's a roadmap of walking through what's

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your first money memory? And I
had a very poignant first money memory that

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really, as a seven year old
child, left me in fear and shame

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over the fact that we were entertaining
an uncle my mom had not seen for

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years, and she was laying out
the finest we had in the home,

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and we had everything laid out for
his tea except we did up milk and

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it. You know, she laid
out everything. She said, Grace,

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go to the kitchen and bring the
milk. I was dreading that walk from

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the living room to the kitchen because
I knew we didn't have milk. And

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as I'm about to enter the kitchen, my mom said to my uncle,

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she said, Uncle, Leslie,
the cow gave us black milk this month.

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I've never heard that before. And
he laughed, he said, oh,

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you know, the cow does that
sometimes. So my mom herself was

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embarrassed, but she made a joke
out of it. It was a unique

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joke. And you know, at
that time, the bear left me,

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but still I'm serving tea without a
critical ingredients, And that was my first

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money memory of black scarcity, of
not having enough and also internalizing that like

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I'm not worthy, you know,
you know, I'm not worthy to even

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entertain this wonderful guest because we did
not have all that we needed, and

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that gets translated into our lives where
we can earn as much and yet not,

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so that the roadmap in the book
help you identify those stories that either

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consciously or unconsciously shape your money memory. And I know from climbing a mountain

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that everyone asked me, hey,
you know how physically prepared you are,

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and they focus on the physical,
but I have passed lots of mountaineers stronger

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than me who either turned back or
didn't make it. And I know it's

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ninety percent plus of a mindset more
than the footsteps. Your mindset will guide

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your footsteps. So really shifting that
mindset from a lack to abundance, from

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a feeling of lack of self worth
to the fullness of the person you can

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be within you, because your net
worth can never exceed your self worth.

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And it's working on the inner work
where the out of my manifestation of value

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wealth and abundance can blow. Hey, so your book Homeless to Millionaire,

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Six Keys to Uplift your financial abundance, right, Yes, and we can

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get that wherever fine books used to
be sold as well as Amazon. That

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is correct, that I'm really inspired
by your journey here, and like going

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back to what I said earlier,
you're never a failure unless you believe that

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you are. And because you've failed, there's lessons in every failure that lead

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to a greater success if you're open
to it. And you've helped open my

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eyes to a couple of things that
I realize, you know, issues I've

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dealt with throughout my life, but
that I realize having fully resolved. So

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I'm getting the book and I'm going
to have you back on after I read

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00:20:02,039 --> 00:20:04,920
it. And he is there a
website where you're at? Or do I

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just give your LinkedIn it? There
is a link. Raceglobalcapital dot com is

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my website and real masterclasses based on
the chapters on our book. And that's

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my National Abundance with Grace dot com. Okay, excellent, Well links in

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the show notes, this interview on
Financial Survival Network dot com and if you

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00:20:30,759 --> 00:20:36,480
got a question for Grace or myself. Please shoot me an email at Klatcarrie

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00:20:36,559 --> 00:20:38,079
LUTs dot com. When you're at
the site, please sign up for your

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00:20:38,079 --> 00:20:41,759
free newsletter. Hey, Grace.
One thing I wanted to run by you

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like I started helping entrepreneurs with failing
businesses because when I thought back to that

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time in my life where literally,
you know, it was synchriswim for my

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family. You know, basically within
eighteen months my father had turned it around.

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Later on in my life, I
faced a similar challenge and within one

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hundred and eighty days I turned my
company around. We were making more money

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than ever. Just because you face
your demons, you don't run from them.

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That's the important thing. So thank
you from a personal thank you from

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my own demons that we all deal
with. And I'm going to get the

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book. We'll have you back on
then and have a nice conversation about it.

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Thank you so much, Carrie,
all the best, Thanks for listening

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00:21:36,359 --> 00:21:41,559
to carry Lenz's Financial Survival Network,
your solution to today's trying times. For

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00:21:41,640 --> 00:21:49,039
the latest, go to Financial Survivalnetwork
dot com. Financial Survival Network now more than ever