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BiggerPockets Money Podcast Episode 411 Summary
Episode Title
411: How to “Quiet Quit” Your 9-5 Job and Become a Full-Time Boss
Episode Overview In this episode of the BiggerPockets Money Podcast, hosts Scott Trench and Amanda Wolf interview Gabrielle Judge, a content creator and thought leader for the Gen Z workforce. They discuss the concept of "quiet quitting," its implications for work-life balance, and how to effectively transition from a traditional 9-to-5 job to becoming a full-time entrepreneur or content creator.
Key Themes and Discussions
Understanding "Quiet Quitting"
- Definition: Quiet quitting refers to the practice of doing only the minimum required at work, a response to feeling unfulfilled or undervalued in the workplace.
- Work-Life Balance: The trend is seen as a step towards achieving better work-life balance, focusing on personal priorities and side hustles rather than just adhering to corporate expectations.
- Generational Perspective: Gen Z sees this approach as a healthy assessment of life outside of work, distinguishing themselves from previous generations that often equated identity with professional accomplishments.
Transitioning to Full-Time Entrepreneurship
- Building a Side Hustle: Gabrielle shares her journey of cultivating her content creation business alongside her corporate job. She discusses the importance of setting boundaries and understanding ROI (Return on Investment) in both employment and personal projects.
- Tips for Success:
- Credit Card Stacking: Gabrielle discusses how to leverage business credit cards to fund new ventures without requiring significant upfront capital.
- Hard Money Lending: She explains the concept of becoming a lender for real estate projects, providing an alternative investment strategy.
Tools for Job Seekers
- Utilizing AI: Gabrielle emphasizes the role of technology, particularly AI tools like ChatGPT, in streamlining job applications and optimizing resumes.
- Resume Customization: She suggests tailoring resumes for each job application to improve chances of being noticed in a competitive job market.
Key Takeaways
- Mindset Shift: The podcast promotes a mindset shift towards viewing oneself as a business and evaluating personal career goals based on ROI.
- Empowerment through Knowledge: Gabrielle encourages listeners to educate themselves about personal finance options, investment strategies, and effective job-seeking techniques.
- Community and Support: Emphasis is placed on the importance of building a supportive community of creators and peers for sharing experiences and advice.
Links and Resources
- [BiggerPockets Money Facebook Group](https://www.facebook.com/groups/BiggerPocketsMoney)
- [BiggerPockets Forums](https://www.biggerpockets.com/forums)
- [Join BiggerPockets for FREE](https://www.biggerpockets.com)
- [Gabrielle Judge on TikTok](https://www.tiktok.com/@GabrielleJudge)
- [Anti-Work Girl Boss on Instagram](https://www.instagram.com/antiworkgirlboss/)
Conclusion The episode reinforces the evolving workplace dynamics and highlights the importance of self-advocacy, financial literacy, and the pursuit of personal fulfillment beyond traditional employment. Gabrielle Judge serves as a relatable figure for listeners, encouraging them to navigate their career paths with confidence and creativity.
Written by AI. May contain mistakes. Listen to the episode to check what was said.
Transcript
Automatic transcript. May contain errors.0:00Welcome to the BiggerPockets 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 Wolf from the SheWolf of Wall Street, who is going to be a recurring contributor to the BiggerPocketsMoney 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.
0:39So 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, we'll 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 she woke up of Wall Street, I'm a content creator as well. And I have a nine to five job in tech too. So there were so many really good parallels in our conversation that I really was able to relate to.
1:12And 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, these folks can 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 spinoff of that. And it's about the same goal, work-life balance and spending, spending your time the way that you want to.
1:45And I think that, uh, 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. We have a new segment of the show called The Money Moments, where we share a money hack tip or trick to help you on your financial journey.
2:26Today's money moment is, with spring just around the corner, strategize your curb appeal. Instead of spending hundreds of dollars on annuals, invest in perennials, which will come up every year and make your house look amazing. And this is particularly true here in Colorado. All right. Should we bring in Gabrielle? Let's do it. Gabrielle Judge is a TikTok influencer with over 87 ,000 followers. She's been featured in the New York Times and Bloomberg about quiet quitting. And she also has a company called Anti-Work Girl Boss. When I evaluate debt funds, I look for things like first position loans, personal guarantees, deep experience by the fund operator, low fund leverage, fast liquidity, and consistent returns.
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3:42The fund's minimum investment is typically$100 ,000, but Pine Financial is able to reduce that minimum for some investors and have agreed to do so for BiggerPocketsMoney listeners to a minimum of$25 ,000. Full disclosure, I am personally invested in this fund through my self-directed IRA. And of course, Pine Financial is sponsoring this message and our podcast. If you'd like to invest or check out their prospectus, go to biggerpocketsmoney.com slash pine today. That's biggerpocketsmoney.com slash P-I-N-E. Please note that returns are not guaranteed and may vary based on fund performance. Support for the show comes from Public, the investing platform for those who take it seriously.
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6:15AutoTrader, powered by auto intelligence, makes the process of buying a car less of a process. Try it today. Visit autotrader.com to buy your perfect ride. Gabrielle, 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. 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 Antihar Girlboss. 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 Gen Z filter.
6:52really what inspired that and how my upbringing really came is I was raised by a single mom it wasn't it's like she tried her best right and like we definitely had like a 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 like low-income housing for a second 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.
7:51So I'm very grateful for all that experience. For me, my parents were very blue collar, but they were very entrepreneurial. So they taught me 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, right?
8:32Because that's really scary to leave what a quote unquote, if you can't see me quoting right now, secure job. 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 31st. And so as I was starting that job in March 2021, is when I started to cultivate a following.
9:05I probably had like 30 or 40K followers. And so So I always told myself when 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 up 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, OK, so I create that permission for myself.
9:36and 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're 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.
10:05It'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 So obviously, it's like a big, scary decision to leave a full-time job, go into content creation.
10:36But 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.
11:11But 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 who 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.
11:41And 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 nine to five, trying to be a normal 20. I just turned 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 very hard to kind of articulate what was going on. But it really pushed me to create a community of creators. I think 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.
12:15You 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 too is like, I can't make a doppelganger of myself and it's me at the end of the day.
12:47So 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 and 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.
13:21Would you give us 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 anoint 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.
14:00And 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. 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. There's also investments that I made where I like hard money lent money. So I was kind of like being the bank for 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.
14:39So 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, air 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 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 the quality of my content so that I'm getting better reach on stuff like there's so many different ways you can play around with it then I can like move forward.
15:30So for me, that was kind of like my gauging, like kind of gauge to it. But again, it's not a 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, obviously, because of my background and then putting myself through college. I just, I worked so many different jobs to make it all work while I was full-time in school.
16:03About 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 like it's nothing right now. Like it's definitely something to be aware of. And so I think that I maintain that frugalness, 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.
16:44I try to grow my stress tolerance when it comes to money. But overall, I don't live this super, super lavish life right now. I also do really want to pursue the full-time content creation most responsibly. I want to stay open for investment opportunities, stuff like that. So it's really just a balance. Love it. I just want to observe. You're a 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.
17:20I 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, a 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, right? That's not very tax efficient, but what it does is it's freeing. It allows you to have cashflow that you can then use to deploy for your other debts and your personal business.
17:55And 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 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.
18:30And 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, that's, I think that would make an accountant 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.
19:03Hard 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.
19:38Yeah, 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 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 Fund and Grow for an example.
20:17Like 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. um 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 three.
20:57And 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 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 and that's really trying to make this cool, if that makes sense.
21:30I 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 Zers. I am a millennial, unfortunately. I fortunately know, whatever. Uh, but, uh, the, the Gen Z, the Gen Z that you guys had, I think have a much better handle on money. I think you're much more, um, what's the word cautious or careful or, um, a little skeptical that a lot of the things, uh, that baby boomers or Gen X maybe received and social security and those types of things are going to be available for you.
22:12And there's a lot more interest. I think when I talk to people about financial independence, yeah, many, 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. And I'm, I'm, uh, I'll put money on you guys. I have a specific question about your content, uh, relating to a specific term. What, what exactly is an anti-work girl boss? And what does that mean? I love that. Um, yeah. So anti-work Girl Boss is basically it's just it's the expansion of work-life balance.
22:48I think this whole package work-life balance that we practice 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 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.
23:30So 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 nine to five and or work as a freelancer and or like be a side hustler and or be a content creator.
24:04Gen Z is very multifaceted. And so I actually read a study recently where Gen A, who's 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.
Read the full transcript
24:33If 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 always grappled with when I was still a nine to fiver and being a content creator. It's like people were like, yeah, but like, what do you do for work, work? And then it'd 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.
24:59So 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 stepping 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 hear 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 the 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 that are going on right now.
25:36But anti-work is basically like a riff off of there's r slash anti-work, which is like a subreddit 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.
26:06Like, 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.
26:37So you guys are skeptical in that you're like, well, wait a minute, working 4000 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 girlbossing, 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.
27:17But 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 what would you recommend to someone who was interested in going and pursuing the life of their dreams, doing the quiet quitting, working, but also following their passion? 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.
27:54Like it takes some it takes some work. It takes some focus and it takes trial and error. And it's also OK to fail sometimes. And, you know, and that's that's how it is. So at Anti-Work Girlboss, 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.
28:30I 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, are in 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?
29:03It'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 preach that to my community.
29:32I don't expect everyone to, like, come into this, like, content creation space with me. It's 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. But I hope that that, like, answers your question in, like, a fair, practical way. Because that's what I really try to maintain. at Anti-Workable Boss, 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 don't go above and beyond anymore at your job.
30:06So 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 wrong, but really what Gen Z coin is this term of like, no, I'm staying discerning in what I'm doing. 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 making a family or making a side hustle or something like that. There's more of that creation and that multifaceted thing that we were talking about earlier.
30:40So 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 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.
31:13Of 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 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 why quitting is just super interesting for Gen Z because we've we've entered the workforce at a difficult time. So I entered the workforce at 2019.
31:44That'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.
32:20And 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 pretend that I'm 30 years older and we'll add the adjective crusty to my demeanor here. I'm not familiar with the term quiet quitting and I learned that Gabrielle is quiet quitting on our company. 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 out? Does that mean that once she finishes the assignment that I give her, she's going to start working on her side blog during work hours?
32:59Like, how should I understand this as a skeptical, you know, Gen X or, no, I'm not Krusty yet, baby boomer. They're not Krusty either. Sorry. None of those. But just tell me how, like, someone who's maybe not as in the know with this 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 yeah so funny um okay so my interpretation of it is if I were you know if say I was your assistant and I'm prepping you on 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 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 um it doesn't really seem Like there's a lot of co-collaboration going on, but she's doing her work and she's getting the job done.
33:52Okay. 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 respectful and what's fair? What's responsible, right? Like, I think Gen Z has a lot of leverage to come in and be like, you laid 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.
34:22That'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 and 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.
34:57And there's 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 um I wish I had a magic wand to like help everyone out at the same time but again it's it's such a loaded question but it's 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 Gabrielle Judge said that I could just close my laptop kind of thing.
35:37Like, 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 about 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 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 I have to ask, how does one set those boundaries appropriately within workplaces that might not be as forward thinking?
36:13I think about that a ton. So I always am really careful, too, 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 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 like 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?
37:05I'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 I feel like there's a lack of career guidance in that industry as a whole. It's very educational and it's very like 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.
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42:32So 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 time 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.
43:04So I helped people break into the tech industry that have, you know, not as traditional background. So when I mean 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 in 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 spending my time on these one-on-one things and how can I make a really affordable offering for everyone um so that's where you know chat gbt 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 this and do it so to really like talk about what it is I mean it's for every step of the process right so it's like resume creation LinkedIn profile optimization like all the discoverable pieces right of 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 six hundred dollars on two resumes like that was such a thing.
44:18And I was like, this is ridiculous. Like with this program, like you can do it on your own and you can do it in 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 ChatGPT, 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?
44:47Was it 10 or was it a hundred? Right. Cause that's going to change your outcome so drastically. And it's just not like, who's going to sit there and apply to a hundred 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 to BT cost$0 to operate. I mean, you can get the chat to BT plus, but very accessible. Um, and so I'm really just teaching people how to fish. I don't want to I don't want to roll out like an agency and like Take hundreds of dollars from people and stuff like that.
45:16It'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 Um, so I love the idea of using technology like that to yeah personalize Yeah. I mean, on this point though, like we, we're getting a thousand, I posted a 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, look, yes, do this, customize the resume for the job.
45:57That's fantastic advice. Um, which I have never really considered. Um, I guess I haven't been on a job search in nine years, um, for myself, but second, put a cover letter and 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 like, or just they're just like floating 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, um, these, these tools are making it easier than easier than ever to just fling your hat in the ring.
46:31And 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 TikTok-ing, 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?
47:07You 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.
47:49Of 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 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 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 um 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 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 and those should be those should be regulated especially for um streaming platforms and stuff like that or actual businesses like definitely not telling anyone to like pirate anything but they're also helpful for personal security and stuff like that.
48:51There's some really ethical ways to use VPNs. Some of it just scared me in general. I didn't love seeing all of that. To be very honest with everyone, I haven't talked too much about the TikTok ban, but overall, I'm very excited about America as a whole, and I know that we'll figure it out at the end of the day. Let me ask you then. 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 never know who's watching your content.
49:23And 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. um 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 application in 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.
50:01So 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 like 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, it's unique. It's unique to you. And 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?
50:33Like what if I'm what Gen Z calls cringe? Like what if I'm cringey out there? What if I'm doing like gross stuff and then like my friend sees it or a co-worker 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 co-workers would ever see it, they saw it, you know, and like, I just, you know, it just, it's a part of life. And so for me, like I noticed 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.
51:08Like 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, but I'm sure there's moments where you're like, exactly. 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. Cause you're like, I don't even know what this is today. Yes. It's, 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.
51:36But before that, it was so weird. And like, even 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.
52:08You 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. So, Gabrielle, it's been a privilege to chat with you today and learn from your really thorough kind of grounding in what the future of a career and what that might look like for Gen Zers 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.
52:39um uh yeah anytime that i can like be on a podcast and be able to talk about stuff i i also appreciate how thoughtful you all were when like thinking about my brand and 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 Gabrielle judge my name. My Instagram is anti-work girl boss.
53:10And 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, this whole show is about financial independence, retire early, right? Fire, So 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.
53:47Good 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 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.
54:26And I wish you good luck on that journey. Thank you. Nine to fives are sexy, y 'all. They can feel your investments. They can feel your side hustle, I promise. All right, Amanda, that was Gabrielle. What did you think? Oh my gosh. I loved, loved, 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.
55:04They always have superstars filled throughout, and they're always the future and the potential of this country. And it's so wonderful to talk to somebody who's really kind of at the forefront of thinking about independence and freedom and control over your personal finances in the space. I really also loved 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 what are the best ways to use AI in my world. but formatting resumes, um, coming up with, you know, the early stages to a cover letter or something like that.
55:39Those are all great little, little tips that I think she has there. Um, thinking about your, you know, um, your work and setting up your financial position so that it's, it's strong. Um, 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.
56:14And I'll say though, that Gabrielle thinks that she talks about quiet 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.
56:55Is that Is that right? I would say yes. But I think also 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 everything I possibly could.
57:30And 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, to me, that was when I quiet quit. That's when I dived into the fire movement and this kind of thing. 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 generations. 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.
58:10Right. 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 BiggerPocketsMoney podcast, I'm Scott Trench, and she is Amanda Wolf from the SheWolf of Wall Street saying, see you later, alligator. BiggerPocketsMoney was created by Mindy Jensen and Scott Trench, produced by Kaylin Bennett, editing by Exodus Media, copywriting by Nate Weintraub. Lastly, a big thank you to the BiggerPockets team for making this show possible.
59:00We'll see you next time.
From the publisher
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
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