CAIR 71: True Grit To Make A Whole Life

In this episode, I have the opportunity to speak with someone who demonstrates true grit to make a whole life.

Grant
Everybody welcome to another episode of Financial investing radios. So today I have with me, someone who is more than what you might think she is an expert on whole life. But do you really know what whole life is? She's going to help us to understand what that means. I'd like to welcome Svetlana.

Svetlana
Thank you so much. It's such a great joy to be here with you and sharing this space. Thank you for having me.

Grant
Oh, it's so good to have you here. So I had this opportunity to interview your wonderful husband twice. He's so gracious with his time. He's really skilled in the financial markets. I've even gone through a whole bunch of his courses and applied those. And so it's been I'm a Jeremy Newsome fan. Yeah, yeah. Yeah. And and while I was talking with him, he said, Hey, have you thought about interviewing my wife? And I'm like, Well, what is she talking about? And says, well, she talks about whole life. And I'm thinking well, yeah, whole life such a critical part of life, no doubt. But let's back up set. Svetlana, would you tell us a bit about your origin story where it all started? And how you got into this business?

Svetlana
Absolutely. Yes. So I'm originally from Kazakhstan. And I moved to America at 19, turning 20 with big American dream as the $100 in my pocket, and I had an opportunity to come and create opportunities and live here. And it wasn't as easy as I thought it was, right. But it is a beauty of a young person that, you know, be 19 and 20. And so courageous, and so naive in so many ways, making those leaves a lot easier than when we become a little bit older. And we have more things that we start considering. Yeah. And so I was blessed that that time, was that mindset, like, what can happen? I'm just going to go and have all of these dreams come true.

Grant
I'm just gonna go to America, everything's gonna be fine. Right?

Svetlana
Exactly, exactly. That was like people are so nice there. And so how cool is the wonderful, and it's really a beautiful way to see the world. And I kind of when I was telling my mother, I will come to America. And in five years, I will have all of my dreams realized, I will have, I will get married and I will have a baby and I will have a beautiful home and nice cars and travels. I will have my papers like all of it. I just kind of described for the life that I created. And I knew like just give me five years, it will take me a lifetime in context and to create those things. Wow. But it'll take me only five years in America. And that is the beauty of an opportunity that exists in this country that most people don't recognize. Because when you're born here, you can't think this is how it is.

Grant
Yeah, you take it, you take it for granted. I mean, I've traveled the planet for 35 years doing business. You do recognize that when you're in other countries, but it is easy to forget it or not be aware of it.

Svetlana
Absolutely, absolutely. And so when I came here I was like in a Candyland. Like oh my god I can do all these things like it's so amazing. And to start a business you just go on mine create LLC pays $150 get a business license, build a website and you're ready to go. Right like it's a marvelous back home who do you know who do you pay it on the table? Is it my favorite though because the government like I was just like was so impossible, and it couldn't like believe the ease and I recognize truly that there is only one obstacle, truly one obstacle in us. And it is us in our mind, our mindset.

Grant
The mindset is the obstacle.

Svetlana
That's a like there is no actually real worldly obstacles that you have to seriously overcome. And yes, you might have a harder life and different things. And not everyone have the same cards dealt. However, you can I was going to library, right, using the computer in the library, did you write emails and just start doing some things. And I was walking for two years didn't have a car. But that still felt like I'm gonna Candyland. And it was amazing because the hardship that I experienced before in my life.

Grant
So compared to the hardships that you came from, you looked at this hardship of oh, I have to walk somewhere. Oh, I don't have a computer and in your mind, those weren't showstoppers. Those are just things you're gonna go do because you're pursuing that dream, that vision?

Svetlana
Yes. And the computer is in the library. And it's on the 20 minute walk. Yeah, I mean, my did it was Las Vegas. 120 degrees in the summer. Still possible was a bottle of water.

Grant
A bottle of water and maybe a hat or an umbrella. Right.

Svetlana
Exactly, exactly. And so you know, life started. First couple years were very difficult. And then life started to add folding. And indeed, I got married to this incredible man. And we bought our first home. And we have two BMW in the garage. And we I have a great job. And he has an amazing job. We are here pregnant and having a baby boy. And I'm getting my green card in the mail. And I was looking at everything. And it's like four years and eight months. Mike, oh my god, like everything that I told my mom totally can show every single dream. Wow. Yeah. Oh, my how incredible that is. And I was just in the jail and then thinking, Okay, what is next? What is next in my life. And then, two months later, the biggest tragedy of my life happened. Oh, no. And it was the darkest time of the darkest time of my soul that I ever experienced. And I wish no one ever experienced that. But my husband died very unexpectedly, within a week, within a week. Wow. And we had all this plans for the future. And we had tickets bar to go and travel and visit my family and the plants for like, we will come back and get pregnant again. And all of it ended. All of it ended. And I once heard that the hardest thing about heartbreak, and then the hardest thing about deaths is having a funeral to all of your dreams. Right? Because what you saw your life would be is no more. And then it's a time of void. Yeah. And a very deep healing is that in sir in search of what's next. And so during that time, I was very blessed. He was in a new position for the six for six months, and I got life insurance proceeds. Really, and I didn't have to go to work right away. So that money that came into my life allowed me just to lay there and cry, and grieve, and pour into myself, allowed me to get help allow me to do all that I needed and my soul needed and to really rest in grief. And I took nine months off to be with my baby because it was so unfair if he would lose his father to death and then his mother at the same time because she had to go straight to work. shut down everything it just started providing for the home that was created for two incomes, right?

Grant
Yeah, very difficult. There's some level of an emotional suffering, maybe even an emotion No doubt that you went through as well, I would imagine.

Svetlana
Absolutely, absolutely. And that was also an awakening into, wow, I need insurance. Because what if I go? What would happen to my baby? Boy? Do I have actually any paperwork? Because I didn't, I had no way or no trust, we didn't have any of that stuff. And I remember when we bought our first home, we received a letter in the mail saying, Would you like to add insurance for 9099? That in case one of you die, the mortgage will be paid off? And my husband was like, ah, should we do it? And I'm like, why would we spend $20 a month?

Grant
Oh, yeah, at the moment, just now why would we write?

Svetlana
Yeah, because we never think it will be our story. It's never our story until it's our story, right? It's never our life until it is our life. And that's the unfortunate part about it. And an insurance world we say the money pays for the, for the insurance, your house is what buys it. Like so many people reach out to me when they in a health crisis. And I Hey, can I have a life insurance policy? And the answer is no. Most of the time it is now because now you're not insurable. It is that time where you are well, and everything is going good for you. When you need to just put a month into it, get everything put together will trust Power of Attorney insurance and be done. And hopefully you will never ever ever in your life again, need to look at it. Next 15 years.

Grant
I mean, the best time to buy insurance was 10 years ago. But if you didn't do it, well then the best times today, right?

Svetlana
Absolutely. Absolutely. Yes. And so really, that was my coal into insurance runs? Well, because I had to learn about it for myself. And I remember I called my you know, car insurance plays whoever was insured at the time. And they asked me, well, What type do you need? On my there are different types. Like I had no clue. Like, well, I didn't know like, and there was no one really to educate me. And I recognized Well, I'm not the only young woman that is a seeing single widow, with a baby that has all of this questions and insurance world world is huge. You open the door, and there are millions things.

Grant
So how did you educate yourself on this? What do you do?

Svetlana
So I got a lot of information here, a little information there. And then insurance agent came into my life. And she told me about certain policy, and I bought it. And then I learned that that policy isn't actually good, that I got it as a policy that I learned that that one wasn't good. And then I was like, Okay, I just need to like figure this thing out. Right. And I was very fortunate that an incredible Insurance Agency, Candace grabbed me, and my G just saw this potential enemy. And so the hunger and the knowledge, so really the heart that was behind it to truly help people. And he sat down with me, and he taught me everything I needed to know and more. And what I find and again, I don't know everything, right? It can be a lifetime on studies. Things are shifting and changing all the time. But I know a lot and a few things that I don't I have incredible people to go to you. Right and and work through those parts, right? And it is usually a bigger project such as estate planning class $30 million. Well, we do what do we do there? Right. So I'll make the phone call my hey, I need you how can we do this together? But pretty much everything else I've done by now and I'm very comfortable with.

Grant
So what occurs to me, Svetlana, learning about your origin story and how you get going in this is that the common thread and all of this appears to be your grit, how to use the term grit, right meaning you've got this, this desire and this burning desire, right to go pursue something. First, you got to come to America, whatever it takes. And then when you get here, you start ground up and that's just pure grit to make it happen and then then you're thrown this option Typical of your husband passing away. And yes, you needed to heal and do some recovery. But then you got back up on your feet, and you had grit. And you said, I'm gonna go figure this out. And you did both learning, but also trial and error, right? So it was a bit of learning by faith, right? And faith, meaning you would take the next step, you would exercise your faith, try something learn. But each time if there was a setback, you didn't just pull back and say, I'm done. Rather, you would pick yourself back up and keep going again, that's what comes across me is one of your main qualities.

Svetlana
Yes, it's a beautiful observation. And thank you for saying that. And I would, I would pull back for a little bit and I will, at least in a pass, and that would feel sad for myself and bad for myself. And I would now I'll give myself a day or two, I'm like, Okay, let's be depressed for a day. Yeah. Yeah. Okay. Now it's time to see see beyond, right sees through says it shows. And it is, it has been a lot of personal experience. Absolutely. And then having that greed to rise up again and again. And I think is truly my love for life. I love life and I'm so I find it to be so miraculous, and so magical and so beautiful. Just to have this physical body to experience this life on Earth to experience the depths of love and, and hog and Tai Chi and, you know, be able to eat a delicious cookie.

Grant
Oh, there you go. Yeah, cookies. I like that a lot. So that leads me to another part of whole life. So when I was talking with your husband, Jeremy, and he said, Hey, do you want to talk with Svetlana? Oh, yeah, sure. What does she do? She does whole life. And I'm thinking whole life insurance, which is, of course, what you do. And then I went to the site, that was I saw off of your email, thelightfreedom.com. And I looked at that, and I'm looking around your site and like, I wait, where's whole life insurance? And then I realized, Oh, this is whole life. Can you talk about that? Because I think this is fascinating. It's two key ways to view Svetlana, she's an expert in whole life insurance, but also in whole life, you talk about that?

Svetlana
Absolutely. I am a certified life and relationship coach and I work very deeply with the divine energy of, of light, to create healing, healing in mental and emotional, spiritual, on a physical body. And that is what my calling and my life purpose is my life purpose is to free your life people's light, so they can shine bright and impact many truly create a beautiful world. And, and it is as it is whole life, right? It is about mine. It is about heart and energy, and emotions, about your connection with your highest self, your spirit, your faith, God. And it is about the whole wholeness. Because when we only address parts of ourselves in a western society, we're so attached to our minds, right? It's about how smart I am and how much I now. But unfortunately, no, in my view, doesn't create a space of fulfillment, or joy, or just magnificence and life. And my desire for people to experience wholeness, whatever they truly means to them. So they can live out their life purpose, they can share, they live in a world, whether it is through having a financial podcast, right and teach people how to become prosperous. And as my husband says, money don't sell don't solve all the problems, but money solves all the money problems. Right?

Grant
Yeah, that's right. And money solves the money problems. But not all the problems. I agree.

Svetlana
Exactly. But it's so mindset can be really be solved. Whereas was finances was those resources when we have them and money is an amplifier. Out of the love that is inside of us. And when we are love, we become so much more love with money and we create healing in a world we go out and build schools, we go out and do beautiful missions, and we just do great things. And the problem becomes when you are dark inside, and then you have all our money, and then you're like, Okay, you know, it becomes more of the darkness, because that's what the inside and managers multiplies what is inside of you.

Grant
In fact, I remember Jeremy saying something like money just becomes the amplifier, right? of whatever is inside of you. Money just amplifies it.

Svetlana
Exactly, exactly. And so, Jeremy works on that amplify it on amplifying things, and I work on that to make sure that here is light. Yeah, let's make sure that here is harmony and peace and love. Let's make sure that you have forgiven yourself and those who betrayed you or hurt you. Let's make sure that you learn how to love yourself. Because the reality is I remember having this beautiful 20 year old that I got to work with. And I asked her, please tell me what's good about you? And she said, Oh, Svetlana, I can't. I feel like I am just so selfish and just bragging. But Mike, okay, tell me what's wrong about you? And she gave me the whole list, the whole list of things. And I recognize the madness of this world that we actually been kind of having this applied for? Oh, yes, you are. So you're recognizing how bad you are, and all of these horrible things about you. But when you come in and say, I'm good. I love mine. I am a wonderful, incredible human being. All of a sudden, no one wants to hear it. And everyone is like, oh, yeah, that person is so selfish. And so we go wrong with this mentality that we actually, when we beat ourselves up and talk horribly horrific ly to ourselves, we are fully

Grant
Yeah, we get held up as oh, gosh, this is good. Sometimes it's viewed as though you're being vulnerable. Right? You're you're you have the courage to expose your weakness, right? Yes.

Svetlana
And it is very different when you expose your weakness from all the a healed place when you are sharing it, and yes, it is my weakness, and I acknowledge it. But there is nothing wrong with me, I still adore love myself, even though I'm not perfect. And I have this weakness inside of me. Right, and I'm working through it, I'm working on it. And maybe it's a part of my personality. And I want to really embrace that. Also, whether I'm going to heal it and overcome it, or whether I'm going to just embrace it and make it just a part of me instead of fighting with that part of myself, because I'm just exhausted of the sport.

Grant
When you see people go through this right when they start to embrace whole life and the way we're talking about it here, what's the impact to their lives? What's the outcome of that? Do they end up making better decisions? Are they more kind and loving? I mean, what what's the net effect of of coming to understand that are embracing that?

Svetlana
They get to start living the life of their dreams. What I help them is to heal so that they can come into the homeless, and then to really look at us, okay, what is placed into my heart by divine for me to live through an experience in this lifetime. And those are your dreams. Our deepest heart desires. Our dreams are not ours. They're not. They are placed by God in our hearts, because this is the way God wants to experience itself in a world. And it is for us to truly be for us to truly experience and to embrace. And the people who work with me, that is really the result they get to live their dream life. Whether they have dreams is to have an amazing partner to have a family to have a business that is prosperous and brings a lot of cash flow and they are creating impact in a world where it is, you know, living at a harmony in a beautiful place because that brings more of the goodness because of who they are, and how they can create, in write, and do podcast and Ted Talks, whatever that is, right. And so one of my primary courses that I teach is limitless creators, the dream scores. My what I take people on this five week journey of creating a dream life, downloading the deepest heart desires. And a lot of times, it is a very first time, they actually true to themselves, they actually admit, this is what I saw truly want. I just been so scared to admit it. I've been so afraid that what if I say that, but it wouldn't come true, or it would come true. But I'm not ready for it yet. I'm not. I'm scared of it. Right. And I held them to really open up, open up and release all the blocks and fears and limiting beliefs and any kind of limitations, so they can live their dream life.

Grant
And you know, one of the comments you made earlier was that one of the biggest hurdles that you've noticed, coming to America was that the obstacle of mindset. And it sounds like that this approach to what you're doing with Whole Life helps to address that mindset obstacle.

Svetlana
Absolutely, absolutely. Yes. Because for as long as we have these blocks in our mind, we cannot live the true life, we cannot truly create what is meant for us to create in a world we cannot truly show up in our highest light and be unapologetically. And that mindset is a huge, huge part of it.

Grant
Huge. It's interesting that you come from this background where you've recognized where mindset is the major obstacle, whereas other places there's other obstacles long before mindset. But here, here in the US we've gotten mindset as a major obstacle. So let me ask you this if if someone wanted to learn more, both about whole life from Svetlana in terms of insurance, as well as whole life from set set, Svetlana, in terms of living your dream life, where do you send them?

Svetlana
So the best way to reach me is through my email it is the [email protected]. The second best time is actually messaging me on WhatsApp and my phone Yes, my phone number is 702-557-8157 so WhatsApp me and I will send you probably a voice message. That's that's the easiest for me. I do have an incredible soul that is eight months old. So yes, I will drop the message was is in a voice voice recording. And my website is thelightfreedom.com and so is my Instagram is The Light Freedom and I'm very active in Instagram, you can always see me reach out to me there. And that is the best way to reach me and ask any questions that you have about the wholeness of the life the whole life? Or about the insurance surely if you have any insurance needs, or any questions about insurance and the insurance world period, I would be happy to guide you through it.

Grant
So I really appreciate you taking the time and your beautiful life of true grit to accomplishing your purpose and your life's dreams. Just from the beginning till now i i look forward to continuing to watch you and Jeremy make a difference in the world. You guys have already been making differences. Thank you for spending the time with us today. Any last comments you want to share?

Svetlana
Love yourself fully love yourself more. And remember that you are an incredible human being the way you are. You can only become more of the goodness because you're already good.

Grant
That's awesome. Thank you so much Svetlana appreciate you taking the time in your busy schedule, everybody. Thanks for listening to another episode of Financial investing radio. And until next time, get some whole life.

Thank you for joining Grant on Financial Investing Radio.