Today, I want to talk about luck.

Today I want to talk about luck. It’s what got me to where I am today.

I want to talk about luck because luck is interesting. It’s a mystery. It’s this unpredictable confluence of timing, preparation, opportunity, and coincidence that puts you in the right place at the right time.

I am honored to be listed as one of Investment News’ 40 Under 40 this year.

I am lucky to be on this list.

I am lucky to be in financial services in a time when I can leverage technology to be able to serve people who have largely been ignored by this industry.

I am lucky that I get to be a financial planner in a time when the industry is really transforming into a profession and the work isn’t based on how many products I’ve sold, but how many people I’ve helped.

I am lucky to be following in the footsteps of all the women and People of Color before me who fought to make sure I would have a place in this industry.

I am lucky (and so thankful) for all the mentors I’ve had who helped get me this far.

Yes, I worked hard, but everyone works hard. It would be an insult to someone else’s hard work if that’s why I thought I was here.

We all want to think we’re in control, that if we work hard and do all the things we should, that it will happen for us. And then it doesn’t happen and we’re disappointed or we feel like we failed.

You haven’t failed. If you do the work and love the work, you haven’t failed.

Don’t work hard because you hope you’ll get something out of it. Don’t work hard because you think that will get you recognition, or fame, or money.

Work hard because you care more about this than anything else.

Work hard because you have a purpose that keeps you up at night.

Work hard because you value what you do and the people you do it for.

The work is the work is the work is the work.

The rest is all just luck.

I am truly grateful to be so lucky.

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