In this episode, get ready to dive deep into the world of financial independence with Patty Isol. Known to her vast TikTok audience as the Duchess of Decorum, Patty shares the story behind her book ‘Never Date a Broke Dude’. She emphasizes the critical role a partner plays in one’s financial success, illustrating her points with personal anecdotes and actionable advice. Whether you’re young or seasoned in relationships, Patty’s insights on financial preparedness and independence are a must-hear.
SPEAKER 04 :
Welcome to The Good News with Angie Austin. Now, with The Good News, here’s Angie.
SPEAKER 11 :
Well, if you are just joining us, this is Angie Austin with The Good News. There have been many books that provide advice and wisdom about love and finances, but now there is a unique spin on these topics. Joining us today is financial expert Patty Isol, pardon me, three, two, one, Patty Isol, author of Never Date a Broke Dude, The Financial Freedom Playbook. Patty is known as the Duchess of Decorum by her one million TikTok followers and is a leading financial expert. Welcome, Patty.
SPEAKER 09 :
Thank you so much for having me, Angie.
SPEAKER 11 :
All right. So I love this because when I lived in Los Angeles many years ago, probably 25, I had a big group of girlfriends. We worked at all the news stations around town. I worked at NBC and we would like go places together to these like events where maybe we’d sign a picture or whatever. And we were all reading one book, Getting to I Do by Pat Allen. And this reminds this is a financially wiser version of Pat Allen.
SPEAKER 09 :
It absolutely is. And I love Pat Allen, by the way. I love her. But this book is so needed. I mean, it just came out yesterday. And within 12 hours, it was the number one new release for dating and number four for finance on Amazon. I mean, I’m still in shock. And, no, I wrote it because I’ve seen firsthand what happens when people, especially women, aren’t financially independent. And my mother inspired me. Because she didn’t have the money to leave a difficult situation, and it cost her everything, including her life.
SPEAKER 08 :
Oh, wow.
SPEAKER 09 :
And, yeah, and I wanted to honor her, and I wanted to use her story as a catalyst for change so no other woman suffers like she did. And in her day to broke dude, I’m going to teach you how to make your bag, grow your bag, and most importantly, how to keep it.
SPEAKER 11 :
All right, so let’s talk about, you know, how do you – I think it would be pretty easy, but how do you identify the broke dude?
SPEAKER 09 :
Yeah, I’m so glad you asked this question. A broke dude isn’t just about money. It’s mindset. It’s someone regardless of gender or income who can’t or won’t match your ambition, commitment, or work ethic or drive, okay? And like my dude who was eating Cheetos on the sofa while I was out hustling, I mean, I love Cheetos too, but you’ve got to have a job to pay for those Cheetos. And I want to teach women to spot these signs early so they can make better choices, unlike I did. And I always say, you don’t have to match me dollar for dollar, but you do have to match me hustle for hustle.
SPEAKER 11 :
Oh, I love that. And also one thing my husband told the kids, and it’s kind of hilarious. It’s not very romantic. They said, I know your mom’s good looking and she’s successful and everything, but I never would have dated your mom if she wasn’t so financially savvy and wasn’t such a good saver. And I’m like, oh, so romantic. romantic but he says you guys you don’t date people that don’t save like you do you don’t date people we always say like never date a D student and we’re not saying that because we think every D students a loser we’re saying it because it’s representative of whether or not he will make a good living later on we’re trying to get someone who like you said matches the hustle right it matches your energy you know it’s so not hot for you to be out there hustling well you know he or she isn’t doing anything Oh, so true. All right. So what about guidelines for, you know, dealing with finance and relationships? Because a lot of times people don’t, you know, really they’re not forthcoming. But I think it’s pretty easy to start figuring out whether or not they’re late on their rent, whether they’re paid for their car, whether they’re making their car payments. Also, whether they’re just a financial idiot buying, you know, some car that’s way over their means and living in a trailer. I mean, no offense to trailers, but you’re not driving a Ferrari if you’re living in a trailer.
SPEAKER 09 :
Right, and it’s all show and no go. I’ve seen those people, and those people with Ferraris typically don’t have a pot to pee in. I’m telling you. So in Never Date or Broke, dude, we have an entire section on navigating money and relationships. I talk about who should pay the bills, how to spot signs of financial abuse, prenups, financial boundaries, what everyone should know about their family’s finances, even the receipts you need to keep in case something happens. But the most important thing, Angie, and I think you’ll agree with this, is Keep your eyes open. You don’t want to end up like my friend in the book who thought that they were rich, but they were actually broke as a joke because her husband had gambled away their entire fortune.
SPEAKER 11 :
You know, I think, you know, I can already foresee because you’re so active on social media, Patty, that people are going to be like, oh, this is a book for gold diggers. No, it’s not. It’s a book for men or women. It’s saying like, look, find someone who’s equally yoked when it comes to finances and and drive and possibly education but you know that that that’s a little bit more um loose and easy depending on how well they’re navigating their lives but it’s not about being a gold digger it’s about taking care of your life and it’s so funny because we have three teenagers and we’ve been talking about this lately and even with my son they’re like is this a person who’s taking another gap year and you’re running your own business since you were 12 and you’re 19 now and you’re buying your own home is someone who’s taking an additional gap year who’s working like a tanning salon, you know, and just see, okay, okay. I had to really cover this conversation carefully, though. I said, and also only working 20 hours a week. I’m like, a gap year is not about working, you know, for 20 hours a week. A gap year is about either traveling or getting an education, trying out different courses to see what area of expertise you might want to focus on. Like, find someone who has similar, you know, goals to you. That’s what it’s about. It’s not about being a gold digger.
SPEAKER 09 :
No, absolutely. And one thing people don’t understand is Who you choose as your partner is the most important financial decision you will ever make. People think it’s about finding the one emotionally. Oh, we’re in love. But financially, it can either launch your dreams or destroy them. I mean, when I dated my broke dude, he left me with $30,000 in debt and a broken heart. And he wasn’t even that cute, you know. And Never Date a Broke Dude is about making just smart choices.
SPEAKER 10 :
Yes.
SPEAKER 09 :
You don’t want to just survive. You want to thrive. And it’s really, like you said, not about being a gold digger, but it’s about being a gold, G-O-A-L digger. That’s different.
SPEAKER 11 :
I love that. I love that. Hey, in addition to the book, how did you get such a big following on social media?
SPEAKER 09 :
Oh, it’s not easy, and anyone who tells you it is, it’s not. When I started, it was about five years ago, and I would post three videos a day, okay, for a month. So that’s 100 videos a month I would post. So you have to be consistent. You have to do it on a daily basis. But the most important thing is that you have to provide information that people don’t already know. You have to provide value to your audience. That is the only way you’re going to get a good following.
SPEAKER 11 :
You know, I wonder, Patty, if you’re first of all, I know you’re from Iran. So is my stepmom and my best friend. So, yeah, yeah. Suffice it to say that I’m a big fan of the food. But I think that maybe just like my best friend, she came at the same age you did at seven. I think sometimes even my background growing up really poor. My mom worked at a factory, had nothing. And again, had a hard time leaving my dad because he was a professor there. so she didn’t really have a means to really support us. So with that said, do you think because of your humble background that it made you even – because I see people go either way, like they all of a sudden make some money and they’re spending it all, or they kind of grew up humble or even in my case just plain poor, and then you just never want to go back there again. Did that really have an impact on you because of your humble beginnings?
SPEAKER 09 :
Yes, absolutely. I mean, when we were in Iran, like most people and probably your friends, I mean, we were well off, because if you’re not well off, you can’t make it to the U.S., right? But once we got here, the skills didn’t translate. So my parents couldn’t find jobs in their respective fields, so we had nothing. I grew up with nothing, Angie. I started working when I was 10 years old, and I’ve never, ever stopped. And I think one important factor for me is that I didn’t want to let my current situation be my final destination, right? I always wanted more for myself, and my parents always pushed me to want more. And, you know, Cher says that she’s like, I’ve been rich, I’ve been poor, rich is better. So I never want to go back there ever again.
SPEAKER 11 :
So if you’re – I totally agree. In fact, when I go back, I drive back by my old – my son’s 19. We’re buying a house. I’m going to look at it today. He’s buying a house, I should say. But I always drive by our low-income housing where they have, like, towels hanging in the window or sheets for curtains.
SPEAKER 08 :
Right.
SPEAKER 11 :
And it’s just a great reality check for me that my son now, the way that we’ve helped set him up is by Boulder, Colorado, where he goes to school. This is like a California priced city that my kid at 19 could be buying a house. And I’m driving by my place where sheets are hanging in the window for curtains. I mean, it almost makes me want to cry just thinking about how I’ve set like you. I started working seven days a week at 16 and I never stopped. I think that when we set our families up for a better future, it’s so fulfilling. So what if you like telling your own kids or young people you meet, what are like the top three things you say when they pick your brain?
SPEAKER 09 :
Well, the first thing is be your own prince. Stop waiting for someone to come and emotionally or financially. Build the life you want now because it gives you options, safety, and power. That is the most important thing. Next one is everyone in a relationship should be financially independent. You need to have your own separate bank account where your paycheck goes into. You can have a joint account for family expenses, but that’s about it. And lastly, you need to start investing for your future. If you’re in your 20s and if you start investing $100 a month, that’s it. By the time you retire, you’re going to have $600,000. $200 a month is going to give you over a million bucks. So investing is the quickest way to become a millionaire.
SPEAKER 11 :
Oh, my gosh. No wonder you’re so popular on social media. How did you come up with the Duchess of Decorum?
SPEAKER 09 :
Well, when I first started, I was teaching people how to act because it was like during COVID and no one knew how to act, how to eat, what you should wear to work, what you should say at work, you know, those types of things. So I started teaching decorum and it kind of included finance. But then I just morphed it into finance because I think decorum is a nice to know, but finance is a must know.
SPEAKER 11 :
I’ll let your family so proud. I mean, it’s so neat that you’re doing this to honor your mom. I think that’s so cool.
SPEAKER 09 :
Thank you, Andrea. I appreciate that. I hope she’s proud of me.
SPEAKER 11 :
What’s next for you?
SPEAKER 09 :
Well, I guess we’ll see what happens. I mean, I still have my day job, so I’m still in mergers and acquisitions, but I would love to just spread my message all around the country and just go and speak to people and teach them the importance of financial independence, but most importantly, how to get there and how to keep it.
SPEAKER 11 :
Well, I want to make sure people know how to find you, your book, and then you on social media as well.
SPEAKER 09 :
Thank you so much, Angie. I really appreciate your support.
SPEAKER 11 :
And you want to give us a website?
SPEAKER 09 :
Yes. So the Financial Freedom Playbook, you can buy it everywhere where you find your books, Never Date a Broke Dude. And you can find me on TikTok at Duchess of Decorum or website, which is pattyasai.com.
SPEAKER 11 :
Well, don’t be jealous, but I’m making some tadik right now, so I’m going to go over and have my Persian rice.
SPEAKER 09 :
I’m so jealous. I’m so jealous. Good for you. Enjoy.
SPEAKER 03 :
Thank you. I could interview you for an hour. Thanks so much.
SPEAKER 09 :
Thank you so much for having me. Have a great day.
SPEAKER 11 :
You bet. So I really liked that interview because I’ve been talking to my kids a lot about just finding someone similar to you in their ambition, their faith, their education, their desires. Now, I know that doesn’t always happen. But I think you are set up more for success if you have someone who saves in a similar manner to yourself, is invested in investing in the future, has similar hopes and dreams for what kind of life that they want to create. We talk about being equally yoked in the faith department. And I think, though, that also transitions over equally yoked in other manners as well. Now, I understand that like a hugely successful businessman may want a woman who’s well educated, but who wants to stay home and raise the kids. I know that there are some variables that come into play here. And like, for instance, I stay home a lot more now than I did, you know, when I was younger. However, I think that I think that. When my husband and I got married, the fact that I was good with my money, that was a big deal to him, as I mentioned in the interview. And I did date someone in my 20s that was not nearly as driven as I was and had a lot more financial difficulties. And wasn’t finishing school. And once you get towards 30 and you want to have a family, if you have someone that can’t really financially support themselves, hasn’t finished their education and doesn’t have like a career, even anywhere near yours, it started to become a problem. And we did it for years. And then finally, after we dated for years, I think it was like a wake up call to him to finish school and get a career. I wasn’t looking for someone who was loaded. I was just looking for someone who could support themselves well and had ambition. So I just wanted to say all that because I think it’s important. It’s not a gold digger thing. That’s why I was stressing that with the author. It is a sensible thing to find someone similar to yourself in what they desire for their life, their future, their family. All right, that’s all. That was a fun interview. I liked that. I hope you did too. Thanks for listening to The Good News with Angie Austin.
SPEAKER 02 :
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SPEAKER 09 :
Paxton is listening to the Mighty 670 KLT Denver.
SPEAKER 11 :
Hey there, friend. Angie Austin here with the good news. Just wanted to touch base with you about some real good news. You know, that’s what I started doing really when I first started the show. I love to highlight good news stories and like reading the odd stories. And I get a lot of those in the authors that I get to interview. And I’ve got some great ones coming up this week as well. Hopefully I can get them all in this week. Sometimes I have to save one for the following week, but Oh, I’ve got one that’ll blow your mind. I’m just going to give you a little teaser on that guy because he is Dr. Pastor, pardon me, Larry Huck, Pastor Larry Huck. And his book has to do with, well, from junkie to Jerusalem. How he was a drug addict and just a throwaway life. And now he has a daily Christian TV show and he’s written numerous books. And this really is his testimony. So I’m going to give him the whole show later in the week because he’s just so motivational. I mean, when I did my pre-interview with him. I just basically sat and listened to him for half an hour. Yeah, I barely – I said, oh, my goodness. Oh, no. Oh, this should be a movie. I mean it was just – yeah. Some of these – some people’s lives – and everybody has a story. But some people’s lives just blow me away. And so that is the good news story I’m going to tell you about right now. One of my favorite reporters is Steve Hartman from CBS News. I used to – he does On the Road with Steve Hartman. And he used to work across town from him. I think I told you this when I worked at NBC for in Los Angeles, he worked at CBS, the local there in LA. And, uh, I went over to him at the Emmys once and just told him I really love the work he does, and he’s kind of humble, and he’s like, oh, thanks. He wasn’t like real – like he’s just humble, and he’s very nice, and I’ve interviewed him a few times as well. So this story – he’s done two stories on this guy, but recently Pope Francis passed away, and this had a lot to do with Pope Francis because something Pope Francis gave to this man, Bruno Serrato – Really has inspired him. And I just love stories when people make such a difference in life and they use their lives to help others like Jim Stovall. You know, you just heard from him in the first segment. He says every year when they’re giving out their scholarships to kids. that he wants to see the next kid in line to get a scholarship that didn’t get a scholarship. Why does he want to see the kid that didn’t get a scholarship? So that he can be inspired for the next year to earn even more money for these scholarships. And then Charles Barkley the other day, I was listening to an interview with him, an old interview, saying that big cars and the big houses don’t matter. What matters is how can I impact other people? How can I help people? How can I educate kids that can make a difference in people’s lives? And Bruno Serrato is such a prime example of that. So I won’t go on too long. I want you to hear the story from CBS’s Steve Hartman because he has such a moving way of telling the story of Chef Serato who lost his restaurant in a fire, but from the ashes came something wonderful.
SPEAKER 01 :
When Cardinal Bergoglio was elected pope here 12 years ago, he took the name Francis, after Francis of Assisi, because of the saint’s devotion to the poor, a devotion shared by the pope and by the chef Steve Hartman met on the road.
SPEAKER 05 :
Back in 2017, when Bruno Serrato returned to his White House restaurant in Anaheim, California, after it had burned in a fire, there was virtually nothing left worth saving. Except this crucifix, gifted from Pope Francis himself and found by a firefighter glistening in the ash.
SPEAKER 06 :
Here I come up. I was like, no way. This is a sign, sign of God for sure. There’s no doubt about it. Buon appetito. Enjoy your dinner.
SPEAKER 05 :
I’d first met Bruno seven years earlier. The Italian immigrant was serving meals to the rich and famous. Are we hungry? Just so he could feed the down and out. Using the proceeds from his restaurant, Bruno treated the kids at the local Boys and Girls Club to a fine dining experience. Every night he did this. Later, he expanded his charity. Is it cool? To feed and house the homeless. Over the years, he has helped hundreds of thousands of people. And Bruno says what has kept him going. Through the fire, the rebuilding, and all the financial strain. was Pope Francis, who he met four times. On the last visit, Pope Francis told him this.
SPEAKER 06 :
Bravo, bravo, continua così. That means keep doing what you do. Here I am, open up and doing more and more than what I’ve ever done before in my entire life.
SPEAKER 05 :
The legacy of any leader, whether pope or president, preacher or teacher, is measured not just by what they do, but rather who they inspire. Pope Francis made the poor his priority. And here in America, in this man, that legacy will live on.
SPEAKER 06 :
Yeah, I have to keep doing what I’m doing. If I don’t, he come down. Yeah.
SPEAKER 05 :
Steve Hartman, CBS News, on the road.
SPEAKER 11 :
I just love Steve Hartman and everything he does. I kind of do what he does, but in a much smaller manner, per se. He touches so many people’s lives, but we get to tell a lot of good news and share a lot of good news with you here on this program, The Good News with Angie Austin. All right, changing years now. Mother’s Day is coming soon, so it’s time to find a perfect gift to honor mom. Here to help is tech journalist, lifestyle expert, and super mom, Anna D’Souza, who regularly contributes to Today.com, CBS, and other national media. And, of course, the good news with Angie Austin. Welcome back, Anna D’Souza. Excited to talk to you today. Hey, so let’s just get right into it. What is, you think, the top thing to consider when we are choosing a gift for the moms?
SPEAKER 07 :
well sure i mean i think moms give of themselves so much every single day without asking for anything in return right so the more meaningful gifts are the ones that say i see everything you do and you matter too so if mom says she would not like a gift no she she would like a gift this is for certain And I’m a mom to three little ones. I have six-year-old twin girls and a two-year-old little boy. So for me, I’m expecting a lot of Play-Doh, a lot of glitter that hopefully I won’t need to clean up, and some suspiciously runny eggs. So please wish me luck on Mother’s Day morning.
SPEAKER 03 :
Oh, I love that.
SPEAKER 11 :
I have to tell you, I just want to throw it out there. I still have, because you’ve got the little ones, I’ve got the teens, on my joy shelf. a banana doing the backstroke that was painted for me by my daughter, Hope. That’s so cute. And I’m like, wow, a banana doing the backstroke. That’s beautiful. And then I also have a cheeseburger with a turtle on top of it made out of ceramics, right?
SPEAKER 08 :
That’s really creative.
SPEAKER 03 :
What am I going to do with these? But they’re so funny. I had to keep them. But, yeah, so you’ll keep some of those weird glitter, you know, slime gel gifts or whatever for many years to come, I’m sure.
SPEAKER 07 :
That is for certain. That’s really funny.
SPEAKER 03 :
Yeah. Well, what about the homemade gifts? What do you suggest there? My kids still like doing some of those.
SPEAKER 07 :
Yeah. I mean, everyone loves a homemade gift and evidenced by you keeping a turtle with a cheeseburger on the bottom or something like that. You know, you can be creative, you can be crafty, but it’s really cool when you’re able to also look like a pro. So I recommend celebrating Mother’s Day with the Cricut Maker 4. And you might be familiar with Oh, those are so cool. It’s so cool. So this model here is twice as fast as previous models that can cut over 300 different materials. So anything from wood, vinyl, acrylic, leather, it’s insane. It’s so everything looks professional. It’s amazing. You can craft custom decorations, accessories. Every occasion is going to feel extra special. Really perfect for those personalized gifts. So easy, you can upload your own design and have that cut. Or if you just don’t even know where to start, you can choose from the Cricut Design Space Library. They have over 1 million images and licensed designs that you can choose from very easily. Everything’s there for you. All you have to do is put in the actual material. So this is a really great idea for Mother’s Day. She’ll use it beyond Mother’s Day for sure. So I love this idea.
SPEAKER 11 :
You know, I was thinking about this because I just learned about this recently. And I sent the idea to a friend who makes custom pet blankets. And then I thought, you know what? I could actually get this for my daughter. Not a mother’s thing, but get it for my daughter and send this to college with her. And she could have her own little mini business because she’s on a sports team and she could make things for her friends. And, you know, do a little because she does their eyelashes right now on her team. She gets paid like 10 bucks to do their face, you know, the semi-permanent eyelashes.
SPEAKER 03 :
Girl, I mean, this would be an entrepreneur at heart with you. I love it. A side hustle. All right. We have five pets. How about the pet-loving mom? What do you have for her?
SPEAKER 07 :
Right. For the mom that has a fur baby, I recommend One Is All. They specialize in pet care products. They have a really cool one called the Cozy C1 Smart Pet Grooming Vacuum Kit. It’s really cool. I wish you could see it. It’s basically an all-in-one that has eight different functions. It has an adjustable warm air dryer. It has a smart grooming vacuum. as well as clippers. And it’s really great because you’re going to be able to groom your pet at home and it’s going to capture 99% of the hair and debris. So as you’re grooming, it’s kind of all getting sucked into the vacuum. So it’s going to be a mess-free environment a nice experience for your pet. What I really love too is that it has everything you need to groom your cat or your dog, but it’s also going to reduce their stress and protect their hearing because it buffers the noise. So if you have a pet that’s a little skittish about getting groomed, this is a really great option. You can check out their entire lineup over at One Is All. They have really cool water fountains that are really great, especially as we go into summer when your pets are a little sluggish. They’re not really drinking their water and they’re And they’re a little receptacle. This one kind of just keeps the air or the water aerated and moving in the dish here. Really cool. Everything you’ve heard of, they have over at oneisall.com and Amazon.
SPEAKER 11 :
Okay, two things. My cats won’t even drink out of a regular dish. We have a fountain in our entryway with like a really tall, like six foot tall, like blue, I don’t know, thing.
SPEAKER 03 :
Like the water comes running down. They will only drink from that. So they want the running water. My mom forgets to turn it on. So hello, that would work for me to have the running water. But secondly… The tool is genius because I just groomed my two rag dolls and three Pomeranians. That’s a lot of hair in my backyard. And it looks like there are animals, like an animal. Oh my gosh. There’s so much fur. And my husband like drove and he’s like, Oh my gosh, did somebody hit an animal or what happened? Like it’s so much fur. I thought it would blow away, but it doesn’t. So that’s going to be my mother’s day gift. All right. Um, Of special meaning. My mom likes things that kind of mean more because she’s in her mid-80s now. Anything that might have special meaning?
SPEAKER 07 :
Yeah, well, you know, for me personally, I also love a gift that just kind of keeps on giving. So I don’t know if you’re familiar with Ipsy. It’s basically a… an amazing beauty membership that’s going to deliver some of the most coveted beauty and skincare products straight to your door each and every month. Now, they’ve recently teamed up with Pantone, who you might be familiar with, and they launched a collection of makeup brushes that I wish you could see because they are so stylish, they deserve to be on display. gorgeous brushes. They’re designed in mocha mousse, which is Pantone’s color of the year. It’s called the Mocha Mousse Makeup Brush and Blender Collection. It’s luxurious. It’s super affordable. The bundle comes with five premium makeup brushes, three makeup sponges, and a gorgeous makeup bag. And you could pick it up over at TikTok shop and you don’t need a subscription for that.
SPEAKER 03 :
Oh, cool.
SPEAKER 11 :
All right. How about a, let’s do a can’t miss gift that every mom will appreciate. That can be our last gift idea.
SPEAKER 07 :
Yeah, well, here’s a really cool one that’s sure to brighten mom’s day. It’s a multicolor bulb with a Bluetooth speaker inside. It’s the GE LED Plus speaker and color bulb. It’s going to combine both music and color in one. So mom’s going to be able to set the mood with tunes and customizable lighting. Super easy to install. You actually don’t even need an app. It makes it a hassle-free gift. She’s going to love the remote control. She’s going to be able to toggle between soft white and eight colorful hues. And we know how important it is. Like… light and color just in your day to day, right? It can invigorate you, energize you or wind you down at the end of the night. So I think for moms who are, you know, burning candle at both ends here, this is a really great fun gift. Um, so you can glow big, you could pick this up at target and target.com. Again, it’s the G E L E D plus speaker and color bulb, a really fun idea.
SPEAKER 11 :
Gosh, they make everything now. All right, where do we go to get more info on these?
SPEAKER 07 :
Of course, for everything you heard today, you can head on over to tipsontv.com to see the entire lineup. Thank you. Always great to have you on the show. Thank you for having me. Happy Mother’s Day.
SPEAKER 04 :
Thank you for listening to The Good News with Angie Austin on AM670 KLTT.