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From 0 to 8 Figures: TikTok Star Tefi Pessoa Gets Real About Her Money Journey
2025/2/5
Networth and Chill with Your Rich BFF
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Tefi Pessoa
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Vivian Tu
Tefi Pessoa: 我从小在迈阿密长大,我的妈妈是一位理财经理,她教会我理财策略的重要性,而不是简单的节俭。我经历了从年薪21000美元到200000美元,再到零收入的起伏,最终通过TikTok内容创作建立了自己的事业。我曾经两年没有缴纳税款,后来在经纪公司的帮助下解决了这个问题。在经济状况变好后,我承担了更多的责任,并开始更积极地管理自己的财务。我克服了金钱焦虑,这与我成长环境和对周围人的帮助有关。我帮助他人是我花钱最值得的事情。我五次辍学,这与我个人性格和成长环境有关,并不代表我反对高等教育。我对成功的定义与传统观念不同,我不需要遵循传统的职业道路也能获得成功。在拥有财富的同时,也需要更积极地管理自己的财务,避免他人替你做决定。在经济独立后,我对伴侣的选择标准也提高了。我选择伴侣的五个财务方面的标准包括:阅读新闻、投票、信用评分、参与社会公益事业以及拥有储蓄账户。我通过我的平台,希望让拉丁裔群体感到自豪,并鼓励他们公开讨论一些禁忌话题,例如心理健康、财务问题、家庭暴力等。
Vivian Tu: 本期节目探讨了西班牙裔美国人在美国社会中面临的财富差距问题,以及媒体负面刻画对这一群体的影响。我们采访了TikTok明星Tefi Pessoa,分享了她从零到八位数财富的经历,以及她对财务规划、投资和成功等方面的独特见解。Tefi的经历展现了在充满挑战的环境中,如何通过努力和智慧实现财务自由。同时,她也强调了帮助他人和回馈社会的重要性。
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Vivian Tu: 'Latinos account for nearly 20% of all Americans. And on top of that, they account for 7% of all millionaires in the U.S. That said... In 2021, the median wealth of a Latino household was $48,720, which is only about 20% of non-Hispanic white households' median wealth of $250,400.'
Tefi Pessoa: 'I didn't pay my taxes for two years...when I signed with UTA, they were like, "We're going to set you up with a lawyer and a business manager." '
Tefi Pessoa: 'I think the best piece of money advice my mom ever gave me was to-- It's kind of like...The reason she does what she does is because she has good instincts and she also is able to-- She kind of has to be a fortune teller and a gambler, kind of. She's not day trading. I think that's a big thing too. My mom says, "Do not day trade." '
Tefi Pessoa: 'I went to a bunch of different colleges, universities, whatever. I realized I could not handle that freedom.'
Tefi Pessoa: 'Financially, I need someone who reads the news...They have to vote...Not too low a credit score...One social cause that you feel really strongly about...somebody who...I have my bank text me my balance every day.'
Tefi Pessoa: 'I want to make sure that people feel proud of where they come from...there's also a lot of difficult conversations in the Latin community that I have no shame talking about, whether it be mental health, whether it be finances, growing up with not a lot, but maybe just enough.'
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